CN114219604A

CN114219604A - House loan service processing method, device, equipment and storage medium

Info

Publication number: CN114219604A
Application number: CN202111322320.5A
Authority: CN
Inventors: 陈鑫
Original assignee: China Construction Bank Corp
Current assignee: China Construction Bank Corp
Priority date: 2021-11-09
Filing date: 2021-11-09
Publication date: 2022-03-22

Abstract

The present disclosure provides a processing method, device, equipment and storage medium for housing loan service, which relates to the technical field of big data intelligent analysis, and the concrete implementation scheme is as follows: receiving a housing loan service application sent by a client, wherein the service application comprises basic information of a loan application party; matching the basic information of the applicant with each basic information in a preset blacklist to determine the user type of the applicant; under the condition that the applicant is not a blacklist, obtaining the loan service description information, credit investigation information and income information; determining the risk level corresponding to the applicant according to the loan service description information, credit investigation information and the income information; and processing the service application according to the risk level corresponding to the applicant. Therefore, the risk and cost of manual examination can be effectively reduced, the application process of the loan is simplified, the full-process on-line application of the house loan service can be realized, and the user experience is improved.

Description

House loan service processing method, device, equipment and storage medium

Technical Field

The disclosure relates to the technical field of big data intelligent analysis, in particular to a method, a device, equipment and a storage medium for processing house loan service.

Background

In recent years, the personal loan market has been developed vigorously, and the personal housing loan service has become an important expanding service for banks, and therefore, higher demands have been made on the housing loan service provided by banks to individuals. The traditional personal housing loan process needs to be carried out on line by a client manager, the whole processing process is long, and the process mainly comprises the steps of loan assessment, application material submission, loan approval, house assessment, mortgage signing and the like, so that a large amount of labor cost is consumed, and the experience brought to the client is poor.

Therefore, how to increase the processing speed of the housing loan service is a problem that needs to be solved at present.

Disclosure of Invention

The disclosure provides a method, a device, equipment and a storage medium for processing house loan service.

According to a first aspect of the present disclosure, there is provided a method for processing a housing loan service, including:

the system comprises a receiving module, a processing module and a processing module, wherein the receiving module is used for receiving a house loan service application sent by a client, and the service application comprises basic information of a loan application party;

the first determining module is used for matching the basic information of the applicant with each basic information in a preset blacklist so as to determine the user type to which the applicant belongs;

the obtaining module is used for obtaining the loan service description information, credit investigation information and income information under the condition that the applicant is not a blacklist;

the second determining module is used for determining the risk level corresponding to the applicant according to the loan service description information, the credit investigation information and the income information;

and the processing module is used for processing the service application according to the risk level corresponding to the applicant.

According to a second aspect of the present disclosure, there is provided a processing apparatus for a housing loan service, comprising:

An embodiment of a third aspect of the present disclosure provides a computer device, including: the present invention relates to a computer program product, and a computer program stored on a memory and executable on a processor, which when executed by the processor performs a method as set forth in an embodiment of the first aspect of the present disclosure.

A fourth aspect of the present disclosure is directed to a non-transitory computer-readable storage medium storing a computer program, which when executed by a processor implements the method as set forth in the first aspect of the present disclosure.

A fifth aspect of the present disclosure provides a computer program product, which when executed by an instruction processor performs the method provided in the first aspect of the present disclosure.

The technical scheme provided by the embodiment of the disclosure at least brings the following beneficial effects:

in the embodiment of the disclosure, a house loan service application sent by a client is received, wherein the service application contains basic information of a loan application party, the basic information of the loan application party is matched with each basic information in a preset blacklist to determine a user type of the loan application party, then, under the condition that the loan application party is not the blacklist, loan service description information, credit investigation information and income information are obtained, then, a risk grade corresponding to the loan application party is determined according to the loan service description information, the credit investigation information and the income information, and finally, the service application is processed according to the risk grade corresponding to the loan application party. Therefore, the risk and cost of manual examination can be effectively reduced, the application process of the loan is simplified, the full-process on-line application of the house loan service can be realized, and the user experience is improved.

It is to be understood that both the foregoing general description and the following detailed description are exemplary and explanatory only and are not restrictive of the disclosure.

Drawings

The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the present disclosure and, together with the description, serve to explain the principles of the disclosure and are not to be construed as limiting the disclosure.

Fig. 1 is a flowchart showing a processing method of a housing loan service according to a first embodiment.

Fig. 2 is a flowchart showing a processing method of a housing loan service according to a second embodiment;

fig. 3 is a block diagram showing a configuration of a housing loan processing apparatus according to a third embodiment;

fig. 4 is a block diagram of an electronic device for implementing a processing method of a housing loan service of an embodiment of the disclosure.

Detailed Description

In order to make the technical solutions of the present disclosure better understood by those of ordinary skill in the art, the technical solutions in the embodiments of the present disclosure will be clearly and completely described below with reference to the accompanying drawings.

It should be noted that the terms "first," "second," and the like in the description and claims of the present disclosure and in the above-described drawings are used for distinguishing between similar users and not necessarily for describing a particular sequential or chronological order. It is to be understood that the data so used is interchangeable under appropriate circumstances such that the embodiments of the disclosure described herein are capable of operation in sequences other than those illustrated or otherwise described herein. The implementations described in the exemplary embodiments below are not intended to represent all implementations consistent with the present disclosure. Rather, they are merely examples of apparatus and methods consistent with certain aspects of the present disclosure, as detailed in the appended claims.

The processing method of the housing loan service provided by the present disclosure may be executed by a processing device of the housing loan service provided by the present disclosure, or may be executed by a housing loan service system provided by the present disclosure, and the processing method of the housing loan service provided by the present disclosure is implemented by the housing loan service system provided by the present disclosure, which is hereinafter referred to as "system".

A method, an apparatus, a computer device, and a storage medium for processing a housing loan service provided by the present disclosure are described in detail below with reference to the accompanying drawings.

Fig. 1 is a flowchart illustrating a method for processing a housing loan service according to a first embodiment of the present disclosure.

As shown in fig. 1, the method for processing the housing loan service may include the following steps:

step 101, receiving a housing loan service application sent by a client, wherein the service application comprises basic information of a loan application party.

The loan application party may be a client currently handling a house loan service, and is not limited herein.

The basic information of the applicant can include identity information of the applicant, a house purchasing location, a household outlet location, a current social security continuous payment year, a quantity of house properties of a planned purchase place, a house building forming year, house building area information and the like, and is not limited herein.

Specifically, the applicant can input basic information into an evaluation page corresponding to the service application in the client, and submit the basic information at the client after the basic information is input, so that the system can receive the house loan service application containing the basic information sent by the client. Optionally, the application party may click a trigger submission button on a submission page of the client, so that the client sends the housing loan service application, which is not limited herein.

It should be noted that, when the applicant applies for the house loan, it is usually necessary to first determine whether the applicant has the house purchasing condition, that is, it is necessary to first determine whether the applicant has the qualification of purchasing houses in the city where the applicant wants to purchase houses, so the system can first determine whether the applicant has the house purchasing condition at present according to the house loan application sent by the applicant at the client.

Specifically, the loan application party may send the house loan application through any client that may communicate with the house loan service system, such as an application of a mobile banking or a house loan applet, and then the system may receive the house loan application sent by the client.

And 102, matching the basic information of the application party with each basic information in a preset blacklist to determine the user type of the application party.

It should be noted that the basic information of the applicant can be used to perform a preliminary review on the applicant to determine whether the applicant is qualified to purchase houses in the city where houses are to be purchased. In the disclosure, after a house loan service application sent by a client is acquired, the basic information of an application party contained in the service application can be extracted, and then the basic information of the application party can be matched with each basic information in a preset blacklist to determine the user type to which the application party belongs, so that the system can select a corresponding mode to process according to the user type to which the application party belongs.

The preset blacklist may include a fraud risk list, a consumption restriction list, an internal control list, and the like, which are not limited herein.

In this disclosure, the basic information of the applicant may be matched with the basic information in the preset blacklist, so that the user type to which the current applicant belongs, such as a "blacklist" or a "non-blacklist", may be determined according to the matching degree, which is not limited herein. It should be noted that, if the matching degree of the basic information of the applicant and the basic information in the preset blacklist is higher, it may be determined that the user type to which the applicant belongs is the "blacklist", that is, it may be stated that the applicant does not have the house purchasing qualification in the city where the applicant wants to purchase houses; if the matching degree of the basic information of the applicant and the basic information in the preset blacklist is low, the type of the user to which the applicant belongs can be determined to be a non-blacklist, that is, the applicant can be described to be in accordance with the condition of house purchasing in the city where house purchasing is to be performed.

And 103, acquiring loan service description information, credit investigation information and income information under the condition that the applicant is not a blacklist.

The loan transaction description information may include loan information, borrower information, planned house information, and related person information, which is not limited herein.

The loan information may include, but is not limited to, the nature of the loan, the amount of the initial payment, the term of the loan, the payment method, the product information, and the institution information. The borrower information may include information such as name, gender, nationality, birth date, mobile phone number, marital status, work unit, industry, working year, personal monthly income, family monthly income, and the like of the applicant, which is not limited herein. The information about the planned house purchase may include a house location, a community name, a house property, a house bargaining price, a house unit price, a house type, a total number of floors of the house, a floor where the house is located, a decoration condition, a house orientation, a house building form, a house type, and the like, which are not limited herein.

It should be noted that, in the present disclosure, when the user type of the applicant is a non-blacklist, the system may send a prompt message to the client, and then fill in corresponding loan transaction description information according to the prompt message, and then send an authorization request to the client after obtaining the loan transaction description information of the applicant, and obtain credit investigation information and income information of the applicant under the condition that authorization is passed, so that the applicant may be further checked according to the loan transaction description information, credit investigation information, and income information.

Optionally, in the case that the applicant is not a blacklist, the system may return a pre-review pass message to the client. Therefore, the current applicant can be informed of the result of prequalification passing. The pre-review passing message may be a pre-review passing message, and if the applicant receives the pre-review passing message, it indicates that the current applicant meets the pre-review condition.

Alternatively, in the case where the requestor is a blacklist, the system may return a pre-review fail message to the client. For example, failure to pre-review via message may be "unfortunately," you temporarily do not meet the purchase room loan condition in the XX city name, please consult the online customer service, 95533, or XX website for details. ", are not limited thereto.

And step 104, determining the risk level corresponding to the applicant according to the loan service description information, the credit investigation information and the income information.

Optionally, the system may input the loan transaction description information, the credit investigation information, and the income information into a risk identification model generated by pre-training, so that a risk level corresponding to the current applicant, such as "low level" or "high level", may be output according to the risk identification model, which is not limited herein. Alternatively, the risk identification model may be a neural network model, and is not limited herein.

Or the system can also firstly determine a first matching degree between the amount information and the income information in the loan service description information, then determine a reference credit investigation standard according to the first matching degree, then determine a second matching degree between the credit investigation information and the reference credit investigation standard, and then determine the risk level corresponding to the applicant according to the second matching degree.

The first matching degree may be a matching degree between the amount information and the income information in the loan transaction description information, and it can be understood that if the first matching degree is higher, it indicates that the amount of the current applicant loan matches the income degree of the applicant, that is, the applicant has the burden capability. The reference credit standard may be a credit investigation standard corresponding to the current matching degree, and it may be understood that the risk level of the current applicant may be determined by a second matching degree between the credit investigation information and the reference credit investigation standard.

For example, two thresholds a and B of the second matching degree may be preset, where a < B, if the current second matching degree is higher than or equal to the threshold B, it indicates that the risk level of the applicant is a high level, if the current second matching degree is smaller than or equal to a, it indicates that the risk level of the applicant is a low level, and if the current second matching degree is smaller than B and greater than a, it indicates that the current risk level is a low level, which is not limited herein.

Optionally, the system may further determine a reference credit investigation standard and an income threshold according to the house information and the amount information in the loan service description information, then respectively determine a third matching degree between the credit investigation information and the reference credit investigation standard and a fourth matching degree between the income information and the income threshold, and finally determine the risk level corresponding to the applicant according to the third matching degree and the fourth matching degree.

The third matching degree may be a matching degree between the credit investigation information and the reference credit investigation standard, and the fourth matching degree may be a matching degree between the income information and the income threshold.

It can be understood that the system may first extract the house information and the amount information in the loan service description information, then may determine a reference credit investigation criterion corresponding to the current house information and an income threshold corresponding to the amount information based on a preset mapping relationship, then match the credit investigation information with the reference credit investigation criterion to determine a third matching degree, match the income information with the income threshold to determine a fourth matching degree, and finally may determine the application level corresponding to the applicant according to the third matching degree and the fourth matching degree.

For example, thresholds of a third matching degree and a fourth matching degree may be preset, which are a first threshold and a second threshold, respectively, and if the third matching degree is higher than the first threshold and the fourth matching degree is higher than the second threshold, it indicates that the application level corresponding to the current applicant is a low level, if the third matching degree is lower than the first threshold and the fourth matching degree is lower than the second threshold, it indicates that the application level corresponding to the current applicant is a high level, and if the third matching degree is lower than the first threshold and the fourth matching degree is higher than the second threshold or the third matching degree is higher than the first threshold and the fourth matching degree is lower than the second threshold, it indicates that the application level corresponding to the current applicant is a medium level, which is not limited in this disclosure.

And 105, processing the service application according to the risk level corresponding to the application party.

It should be noted that the system may determine a processing manner corresponding to the service application according to the risk level corresponding to the applicant, and further process the service application.

Optionally, the system may send the risk prompt information to the client when the risk level corresponding to the applicant is a high level.

The risk prompting information may include suggestion information for the applicant and risk level information of the applicant, which is not limited herein.

It should be noted that, if the level of the applicant is a high level, it indicates that the current applicant is a high-risk user, and therefore subsequent approval cannot be performed. Therefore, the system can send risk prompt information to the client under the condition that the risk level corresponding to the applicant is high, so as to inform the applicant that the related materials need to be supplemented online.

Optionally, the system may evaluate the applicant according to the loan service description information, the credit investigation information, and the income information under the condition that the risk level corresponding to the applicant is a low level, and then may determine a corresponding approval manner for the applicant according to the evaluation result, and further determine to process the service application according to the approval manner, so as to obtain the approval result.

Fig. 2 is a flow chart illustrating a method for processing a housing loan service according to a second embodiment of the disclosure.

As shown in fig. 2, the method for processing the housing loan service may include the following steps:

step 201, receiving a housing loan service application sent by a client, wherein the service application comprises basic information of a loan application party.

Step 202, matching the basic information of the applicant with each basic information in a preset blacklist to determine the user type to which the applicant belongs.

It should be noted that, for specific implementation manners of

steps

201 and 202, reference may be made to the foregoing embodiments, which are not described herein again.

And step 203, returning a loan service description information input interface to the client under the condition that the applicant is not a blacklist.

It should be noted that, if the applicant is not a blacklist, that is, the applicant meets the house purchasing condition, the system may return a loan transaction description information input interface to the client, so that the applicant may enter loan transaction description information in the transaction description information input interface.

Optionally, the system may further determine a target loan transaction description information input interface according to the transaction type, and then return the target loan transaction description information input interface to the client.

It should be noted that the service type may be a housing accumulation fund loan, a business loan, a housing accumulation fund loan or may be a combination of a housing accumulation fund loan and a business loan, and thus the loan service description information input interface may be different for different service types of loan services. Therefore, after the target loan transaction description information input interface is determined according to the transaction type, the target loan transaction description information input interface can be returned to the client, and is not limited herein.

The loan transaction description information input interface is used for an applicant to fill in or select loan transaction description information. The loan service description information input interface is displayed in the client side, so that an applicant can be prompted to enter loan service description information in time.

And step 204, returning a pre-review passing message to the client under the condition that the applicant is the blacklist.

For example, failure to pre-review via message may be "unfortunately," you temporarily do not meet the purchase room loan condition in the XX city name, please consult the online customer service, 95533, or XX website for details. ", are not limited thereto.

Step 205, in response to receiving the request for submitting the loan transaction description information, obtaining the loan transaction description information of the applicant.

The loan transaction description information submission request may be a submission request triggered by the applicant in any manner on the loan transaction description information input interface, for example, a submission button may be clicked or pressed for a long time, which is not limited herein.

It can be understood that the system receives the loan transaction description information submission request, that is, the request indicates that the current applicant has completely and correctly entered the loan transaction description information, so that the system can obtain the loan transaction description information of the applicant.

Step 206, the authorization query message is sent to the client.

The authorization query information may be authorization request information, such as credit record authorization request information and revenue data authorization request information, which is not limited herein. It will be appreciated that by sending an authorization query to the client, the user may be prompted to authorize credit investigation records and revenue data.

And step 207, acquiring credit investigation information and income information of the applicant under the condition of receiving the authorization passing information returned by the client.

The credit investigation information may be credit investigation records, operation behaviors and historical transaction information of the applicant, which is not limited herein. The income data may be income information of the user at a bank and a related government department, and is not limited herein.

It should be noted that after the authorization passing information returned by the client is acquired, the system can query and extract credit investigation information and income information of the applicant at the authorization bank, and then can evaluate the applicant according to the loan service description information, the credit investigation information and the income information.

And step 208, determining the risk level corresponding to the applicant according to the loan service description information, the credit investigation information and the income information.

It should be noted that, reference may be made to the foregoing embodiments for specific implementation of step 207, which is not described herein again.

And 209, under the condition that the risk level corresponding to the applicant is low, examining and approving the service application based on a preset examination and approval strategy to obtain an examination and approval result.

It should be noted that, if the risk level corresponding to the applicant is a low level, in the present disclosure, the approval policy corresponding to the applicant may be determined according to the loan service description information, the credit investigation information, and the income information, so as to approve the service application to obtain an approval result.

The preset approval strategy can be a preset approval mode, and it can be understood that in order to improve the experience of an applicant and provide differentiated services for the applicant, the service level corresponding to the applicant can be determined at first, and then the housing loan approval strategy corresponding to the applicant is determined according to the service level corresponding to the applicant.

Optionally, the system may first determine a score label corresponding to the applicant according to loan service description information, credit investigation information, and income information of the applicant, then determine a target approval policy corresponding to the score label corresponding to the applicant based on a mapping relationship between a preset score label and an approval policy, and finally approve the service application based on the target approval policy.

As a possible implementation manner, the system may input loan transaction description information, credit investigation information, and income information of the applicant into a pre-trained scoring model, and further obtain a score label output by the scoring model.

It should be noted that the system may evaluate the applicant through a pre-trained scoring model, and determine an evaluation score corresponding to the applicant and a score label corresponding to the evaluation score. It is understood that the higher the evaluation score, the better the applicant's quality. For example, if the evaluation score of the current applicant is at (0,300), "the score label corresponding to the current applicant is determined as" the reject-class score ", if the evaluation score of the current applicant is at (300,437)," the score label corresponding to the current applicant is determined as "the low score", if the evaluation score of the current applicant is at (437,500), "the score label corresponding to the current applicant is determined as" the medium score ", and if the evaluation score of the current applicant is greater than 500, the score label corresponding to the current applicant is determined as" the high score ", which is not limited herein.

Specifically, after the score label is determined, the system may determine a target approval policy corresponding to the score label corresponding to the applicant based on a mapping relationship between a preset score label and the approval policy. The score label can be used for representing the score of the current client, namely, the score can indicate the quality degree of the client. The target approval strategy can be an approval strategy corresponding to a score label corresponding to the applicant.

It will be appreciated that there may be some mapping between each score label and the approval policy. For example, the approval policy corresponding to the "reject class score" score label may be "to prompt the application party to perform manual review on line," the approval policy corresponding to the low score "score label may be" to perform manual review on line by the customer manager, "the approval policy corresponding to the medium score" score label may be "to directly pass through on-line approval," and the approval policy corresponding to the high score "score label may be" to directly pass through on-line approval, "which is not limited herein.

Specifically, after the target approval strategy corresponding to the applicant is determined, the system can process the service application according to the target approval strategy, and further determine the approval result corresponding to the applicant.

And step 210, sending risk prompt information to the client under the condition that the risk level corresponding to the applicant is a high level.

In the disclosed embodiment, a house loan application sent by a client is received, wherein the application contains basic information of a loan application party, the basic information of the application party is matched with each basic information in a preset blacklist to determine the user type of the application party, a loan service description information input interface is displayed in the client under the condition that the application party is not a blacklist, a loan service description information submission request of the application party is received, authorization inquiry information is sent to the client, credit investigation information and income information of the application party are obtained under the condition that authorization passing information returned by the client is received, and then a risk level corresponding to the loan application party is determined according to the credit investigation information, the credit investigation information and the income information, and finally, under the condition that the risk level corresponding to the applicant is low, the business application is subjected to approval processing based on a preset approval strategy so as to obtain an approval result. Therefore, on-line application of the house loan service can be realized, the processing efficiency of the house loan service is improved, a large amount of manpower and material resources are saved, the waiting time for loan transaction is shortened, and the user experience is greatly improved.

According to an embodiment of the present disclosure, the present disclosure also provides a processing apparatus for a housing loan service.

Fig. 3 is a schematic configuration diagram of a processing apparatus for a housing loan service according to a third embodiment of the present disclosure. As shown in fig. 3, the processing apparatus 300 for housing loan service includes: a receiving module 310, a first determining module 320, an obtaining module 330, a second determining module 340, and a processing module 350.

The receiving module 310 is configured to receive a housing loan service application sent by a client, where the service application includes basic information of a loan application party;

a first determining module 320, configured to match the basic information of the applicant with each basic information in a preset blacklist, so as to determine a user type to which the applicant belongs;

an obtaining module 330, configured to obtain the loan transaction description information, credit investigation information, and income information when the applicant is a non-blacklist;

the second determining module 340 is configured to determine a risk level corresponding to the applicant according to the loan transaction description information, the credit investigation information, and the income information;

and the processing module 350 is configured to process the service application according to the risk level corresponding to the applicant.

Optionally, the obtaining module includes:

the returning unit is used for returning a loan service description information input interface to the client;

the system comprises a first acquisition unit, a second acquisition unit and a processing unit, wherein the first acquisition unit is used for responding to a received loan service description information submission request and acquiring loan service description information of an applicant;

the inquiry unit is used for sending authorization inquiry information to the client;

and the second acquisition unit is used for acquiring credit investigation information and income information of the applicant under the condition of receiving the authorization passing information returned by the client.

Optionally, the service application further includes a service type, and the return unit is specifically configured to:

determining a target loan service description information input interface according to the service type;

and returning the target loan service description information input interface to the client.

Optionally, the second determining module is specifically configured to:

determining a first matching degree between the amount information and the income information in the loan service description information;

determining a reference credit investigation standard according to the first matching degree;

determining a second matching degree between the credit investigation information and the reference credit investigation standard;

and determining the risk level corresponding to the applicant according to the second matching degree.

Optionally, the second determining module is specifically configured to:

determining a reference credit investigation standard and a income threshold according to the house information and the amount information in the loan service description information;

respectively determining a third matching degree between the credit investigation information and the reference credit investigation standard and a fourth matching degree between the income information and the income threshold value;

and determining the risk level corresponding to the applicant according to the third matching degree and the fourth matching degree.

Optionally, the processing module includes:

a sending unit, configured to send risk prompt information to the client when the risk level corresponding to the applicant is a high level;

alternatively, the first and second electrodes may be,

and the processing unit is used for carrying out approval processing on the service application based on a preset approval strategy under the condition that the risk grade corresponding to the applicant is low grade so as to obtain an approval result.

Optionally, the processing unit is specifically configured to:

determining a score label corresponding to the applicant according to the loan service description information, credit investigation information and income information of the applicant;

determining a target approval strategy corresponding to the score label corresponding to the applicant based on a mapping relation between a preset score label and an approval strategy;

and carrying out approval processing on the service application based on the target approval strategy.

Optionally, the first determining module is further configured to:

and returning a pre-review passing message to the client under the condition that the applicant is not a blacklist.

The present disclosure also provides an electronic device, a readable storage medium, and a computer program product according to embodiments of the present disclosure.

FIG. 4 shows a schematic block diagram of an example electronic device 400 that may be used to implement embodiments of the present disclosure. Electronic devices are intended to represent various forms of digital computers, such as laptops, desktops, workstations, personal digital assistants, servers, blade servers, mainframes, and other appropriate computers. The electronic device may also represent various forms of mobile devices, such as personal digital processing, cellular phones, smart phones, wearable devices, and other similar computing devices. The components shown herein, their connections and relationships, and their functions, are meant to be examples only, and are not meant to limit implementations of the disclosure described and/or claimed herein.

As shown in fig. 4, the apparatus 400 includes a computing unit 401 that can perform various appropriate actions and processes according to a computer program stored in a Read Only Memory (ROM)402 or a computer program loaded from a storage unit 408 into a Random Access Memory (RAM) 403. In the RAM 403, various programs and data required for the operation of the device 400 can also be stored. The computing unit 401, ROM 402, and RAM 403 are connected to each other via a bus 404. An input/output (I/O) interface 405 is also connected to bus 404.

A number of components in device 400 are connected to I/O interface 405, including: an input unit 406 such as a keyboard, a mouse, or the like; an output unit 407 such as various types of displays, speakers, and the like; a storage unit 408 such as a magnetic disk, optical disk, or the like; and a communication unit 409 such as a network card, modem, wireless communication transceiver, etc. The communication unit 409 allows the device 400 to exchange information/data with other devices via a computer network, such as the internet, and/or various telecommunication networks.

Computing unit 401 may be a variety of general and/or special purpose processing components with processing and computing capabilities. Some examples of the computing unit 401 include, but are not limited to, a Central Processing Unit (CPU), a Graphics Processing Unit (GPU), various dedicated Artificial Intelligence (AI) computing chips, various computing units running machine learning model algorithms, a Digital Signal Processor (DSP), and any suitable processor, controller, microcontroller, and so forth. The calculation unit 401 executes the respective methods and processes described above, such as the processing method of the housing loan service. For example, in some embodiments, the processing method of the housing loan transaction may be implemented as a computer software program tangibly embodied in a machine-readable medium, such as storage unit 408. In some embodiments, part or all of the computer program may be loaded and/or installed onto the device 400 via the ROM 402 and/or the communication unit 409. When loaded into RAM 403 and executed by computing unit 401, may perform one or more of the steps of the method of processing a housing loan transaction described above. Alternatively, in other embodiments, the computing unit 401 may be configured by any other suitable means (e.g., by means of firmware) to perform the processing method of the housing loan transaction.

Various implementations of the systems and techniques described here above may be implemented in digital electronic circuitry, integrated circuitry, Field Programmable Gate Arrays (FPGAs), Application Specific Integrated Circuits (ASICs), Application Specific Standard Products (ASSPs), system on a chip (SOCs), load programmable logic devices (CPLDs), computer hardware, firmware, software, and/or combinations thereof. These various embodiments may include: implemented in one or more computer programs that are executable and/or interpretable on a programmable system including at least one programmable processor, which may be special or general purpose, receiving data and instructions from, and transmitting data and instructions to, a storage system, at least one input device, and at least one output device.

Program code for implementing the methods of the present disclosure may be written in any combination of one or more programming languages. These program codes may be provided to a processor or controller of a general purpose computer, special purpose computer, or other programmable data processing apparatus, such that the program codes, when executed by the processor or controller, cause the functions/operations specified in the flowchart and/or block diagram to be performed. The program code may execute entirely on the machine, partly on the machine, as a stand-alone software package partly on the machine and partly on a remote machine or entirely on the remote machine or server.

In the context of this disclosure, a machine-readable medium may be a tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. The machine-readable medium may be a machine-readable signal medium or a machine-readable storage medium. A machine-readable medium may include, but is not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any suitable combination of the foregoing. More specific examples of a machine-readable storage medium would include an electrical connection based on 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.

To provide for interaction with a user, the systems and techniques described here can be implemented on a computer having: a display device (e.g., a CRT (cathode ray tube) or LCD (liquid crystal display) monitor) for displaying information to a user; and a keyboard and a pointing device (e.g., a mouse or a trackball) by which a user can provide input to the computer. Other kinds of devices may also be used to provide for interaction with a user; for example, feedback provided to the user can be any form of sensory feedback (e.g., visual feedback, auditory feedback, or tactile feedback); and input from the user may be received in any form, including acoustic, speech, or tactile input.

The systems and techniques described here can be implemented in a computing system that includes a back-end component (e.g., as a data server), or that includes a middleware component (e.g., an application server), or that includes a front-end component (e.g., a user computer having a graphical user interface or a web browser through which a user can interact with an implementation of the systems and techniques described here), or any combination of such back-end, middleware, or front-end components. The components of the system can be interconnected by any form or medium of digital data communication (e.g., a communication network). Examples of communication networks include: local Area Networks (LANs), Wide Area Networks (WANs), the internet, and blockchain networks.

The computer system may include clients and servers. A client and server are generally remote from each other and typically interact through a communication network. The relationship of client and server arises by virtue of computer programs running on the respective computers and having a client-server relationship to each other. The Server can be a cloud Server, also called a cloud computing Server or a cloud host, and is a host product in a cloud computing service system, so as to solve the defects of high management difficulty and weak service expansibility in the traditional physical host and VPS service ("Virtual Private Server", or simply "VPS"). The server may also be a server of a distributed system, or a server incorporating a blockchain.

It should be understood that various forms of the flows shown above may be used, with steps reordered, added, or deleted. For example, the steps described in the present disclosure may be executed in parallel, sequentially, or in different orders, as long as the desired results of the technical solutions disclosed in the present disclosure can be achieved, and the present disclosure is not limited herein.

The above detailed description should not be construed as limiting the scope of the disclosure. It should be understood by those skilled in the art that various modifications, combinations, sub-combinations and substitutions may be made in accordance with design requirements and other factors. Any modification, equivalent replacement, and improvement made within the spirit and principle of the present disclosure should be included in the scope of protection of the present disclosure.

Claims

1. A method for processing house loan service is characterized by comprising the following steps:

receiving a housing loan service application sent by a client, wherein the service application comprises basic information of a loan application party;

matching the basic information of the applicant with each basic information in a preset blacklist to determine the user type of the applicant;

under the condition that the applicant is not a blacklist, obtaining the loan service description information, credit investigation information and income information;

determining the risk level corresponding to the applicant according to the loan service description information, credit investigation information and income information;

and processing the service application according to the risk level corresponding to the applicant.

2. The method of claim 1, wherein the obtaining loan transaction description information, credit investigation information, and income information of the applicant comprises:

returning a loan service description information input interface to the client;

in response to receiving a request for submitting loan transaction description information, obtaining the loan transaction description information of the applicant;

sending authorization inquiry information to the client;

and acquiring credit investigation information and income information of the applicant under the condition of receiving the authorization passing information returned by the client.

3. The method according to claim 2, wherein the service application further includes a service type, and the returning to the client for displaying the loan service description information input interface includes:

4. The method of claim 1, wherein the determining the risk level corresponding to the applicant according to the loan transaction description information, credit investigation information and the income information comprises:

5. The method of claim 1, wherein the determining the risk level corresponding to the applicant according to the loan transaction description information, credit investigation information and the income information comprises:

6. The method according to claim 1, wherein the processing the service application according to the risk level corresponding to the applicant comprises:

sending risk prompt information to the client under the condition that the risk level corresponding to the applicant is high;

alternatively, the first and second electrodes may be,

and under the condition that the risk level corresponding to the applicant is low, the business application is subjected to approval processing based on a preset approval strategy so as to obtain an approval result.

7. The method according to claim 6, wherein the approving the business application based on a preset approval policy includes:

8. The method according to any one of claims 1-7, further comprising, after said determining the user type to which the applicant belongs:

9. A housing loan transaction processing apparatus, comprising:

10. The apparatus of claim 9, wherein the obtaining module comprises:

11. The apparatus according to claim 10, wherein the service application further includes a service type, and the return unit is specifically configured to:

12. The apparatus of claim 9, wherein the second determining module is specifically configured to:

13. The apparatus of claim 9, wherein the second determining module is specifically configured to:

14. The apparatus of claim 9, wherein the processing module comprises:

alternatively, the first and second electrodes may be,

15. The apparatus according to claim 14, wherein the processing unit is specifically configured to:

16. The apparatus of any of claims 9-15, wherein the first determining module is further configured to:

17. An electronic device, comprising:

at least one processor; and

a memory communicatively coupled to the at least one processor; wherein the content of the first and second substances,

the memory stores instructions executable by the at least one processor to enable the at least one processor to implement a method of processing housing loan services as claimed in any one of claims 1 to 8.

18. A computer-readable storage medium in which instructions, when executed by a processor of a server, enable the server to perform a method of processing a housing loan service as claimed in any one of claims 1 to 8.

19. A computer program product comprising computer programs/instructions, characterized in that the computer programs/instructions, when executed by a processor, implement the processing method of a housing loan service of any of claims 1 to 8.