CN115829724A - Consumption scene online loan method, device, equipment and medium - Google Patents
Consumption scene online loan method, device, equipment and medium Download PDFInfo
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- CN115829724A CN115829724A CN202211541614.1A CN202211541614A CN115829724A CN 115829724 A CN115829724 A CN 115829724A CN 202211541614 A CN202211541614 A CN 202211541614A CN 115829724 A CN115829724 A CN 115829724A
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Abstract
The invention provides an online loan method, device, equipment and medium for a consumption scene, wherein the method comprises the following steps: the financial institution acquires the personal information and the authorization information of the client; the financial institution confirms the identity information of the client; if the confirmation is passed, giving a pre-credit limit in real time according to the credit model; if the confirmation is not passed, ending; after receiving the consumption contract information, the financial institution carries out final audit and informs the client of credit line after the final audit is passed; if the final audit is not passed, the client is informed of the credit authorization failure; the financial institution signs a borrowing contract with the client, and then pays the money to the consumption scene party directly; the user can conveniently loan on line and can put money quickly.
Description
Technical Field
The invention relates to the technical field of computers, in particular to an online loan method, device, equipment and medium for a consumption scene.
Background
In recent years, "cash credit" business with characteristics of no scene support, no designated use, no customer group restriction, no mortgage and the like is rapidly developed, plays a certain role in meeting the normal consumption credit demand of part of groups, but has the problems that the consumption use cannot be verified, and the consumption use is stolen for other uses and the like. With the regulation and consolidation of the ' cash credit ' business by the ' notice about regulation and consolidation ' of ' cash credit ' business ' of the regulatory department, online loan in a consumption scene is taken as a model of compliant assets, the development is rapid, and the market prospect is wide.
Disclosure of Invention
The invention aims to solve the technical problem of providing an online loan method, device, equipment and medium for a consumption scene.
In a first aspect, the present invention provides an online loan method for a consumption scenario, including:
step 1, a financial institution acquires personal information and authorization information of a client;
step 2, the financial institution confirms the identity information of the client;
step 3, if the confirmation is passed, giving a pre-credit limit in real time according to the credit model; if the confirmation is not passed, ending;
step 4, after receiving the consumption contract information, the financial institution carries out final audit and informs the client of credit line after the final audit is passed; if the final audit is not passed, the client is informed of the credit authorization failure;
and 5, the financial institution signs a borrowing contract with the client, and then pays the money to the consumption scene party directly.
Further, the step 2 is further specifically: the financial institution confirms the identity information of the customer through face recognition.
Further, the final review is to confirm the authenticity of the consumption.
In a second aspect, the present invention provides an online loan apparatus for a consumption scenario, including:
the information acquisition module is used for acquiring personal information and client authorization information of a client by a financial institution;
the confirmation module is used for confirming the identity information of the client by the financial institution;
the pre-credit module is used for giving a pre-credit limit in real time according to the credit model if the confirmation is passed; if the confirmation is not passed, ending;
the final audit module is used for carrying out final audit after the financial institution receives the consumption contract information, and informing the client of the credit line after the final audit is passed; if the final audit is not passed, the client is informed of the credit authorization failure;
and the financial institution signs a borrowing contract with the client and then directly pays the money to the consumption scene party.
Further, the confirmation module is further specifically: the financial institution confirms the identity information of the customer through face recognition.
Further, the final review is to confirm the authenticity of the consumption.
In a third aspect, the present invention provides an electronic device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the method of the first aspect when executing the program.
In a fourth aspect, the invention provides a computer-readable storage medium having stored thereon a computer program which, when executed by a processor, performs the method of the first aspect.
One or more technical solutions provided in the embodiments of the present invention have at least the following technical effects or advantages:
1. each loan corresponds to a real consumption scene one by one, and the special loan fund special purpose and purpose compliance are ensured through entrusted payment, and the problems that the consumption purpose cannot be verified by cash loan, the consumption purpose is not taken for other purposes and the like are avoided.
2. The loan is embedded into the consumption scene, so that the consumption of the consumers is supported in advance, the life quality is improved, the sales volume is improved for the consumption scene, the loan is a multi-win measure at a stroke, the financial scene development trend is met, and the national policy for expanding internal needs is met.
The foregoing description is only an overview of the technical solutions of the present invention, and the embodiments of the present invention are described below in order to make the technical means of the present invention more clearly understood and to make the above and other objects, features, and advantages of the present invention more clearly understandable.
Drawings
The invention will be further described with reference to the following examples with reference to the accompanying drawings.
FIG. 1 is a flow chart of the present invention;
FIG. 2 is a flow chart of a method according to one embodiment of the present invention;
fig. 3 is a schematic structural diagram of a device according to a second embodiment of the present invention.
Detailed Description
As shown in fig. 1, the technical solution in the embodiment of the present application has the following general idea:
1. pre-granting: after the consumer confirms the consumption wish, the scene party recommends a large amount of loan for consumption (which can reduce the payment pressure and increase the consumption wish) to the consumer through a system or a salesman offline mode. If the consumer has a loan intention, the link or the code scanning is skipped to a loan application page of the financial institution, the related customer information is filled, and the financial institution is authorized to inquire personal information such as credit investigation and the like. After the financial institution confirms the identity information of the client through the modes of face recognition and the like, the financial institution inquires personal information of client credit investigation and the like and then gives a pre-credit limit in real time based on various credit models. The common income credit granting model is generally to query government affairs data of medical social security, public deposit, tax and the like of a client, estimate the real income of the client, deduct certain rigid limit (such as fixed expense, house loan expense and the like every month) and give the pre-granted credit limit of the client.
2. And (3) credit granting: and after the final consumption will is confirmed by the consumer and the scene party, signing a consumption contract and paying a fixed amount or first payment. And the scene party sends the consumption contract information to the financial institution. And the financial institution carries out final inspection and confirms the authenticity of consumption. And after the final audit is passed, informing the consumer of the credit granting result.
3. Paying: the consumer logs in the financial institution APP, signs a loan contract and releases the loan by self, and the money is directly trusteely paid to a consumption scene party without stopping the account of the consumer, so that the special payment special purpose and the purpose compliance of the loan money are ensured.
4. The financial institution will enter into an agreement with the party in the scene and, if a joint fraud occurs, the party in the scene will compensate for the loss. The financial institution also verifies the authenticity of the transaction after the deposit, for example, the decoration credit checks the decoration condition through home; the authenticity of the transaction is verified by the vehicle bureau after the vehicle loan transaction for a plurality of working days, and whether the vehicle insurance purchase record exists or not is verified by the insurance agency.
Example one
As shown in fig. 2, the present embodiment provides an online loan method for a consumption scenario, including:
step 1, a financial institution acquires personal information and authorization information of a client;
step 2, the financial institution confirms the identity information of the client through face recognition;
step 3, if the confirmation is passed, giving a pre-credit limit in real time according to the credit model; if the confirmation is not passed, ending;
step 4, after receiving the consumption contract information, the financial institution carries out final audit and informs the client of credit line after the final audit is passed; if the final audit is not passed, notifying the client that the credit authorization fails, wherein the final audit is to confirm the authenticity of consumption;
and 5, the financial institution signs a borrowing contract with the client, and then pays the money to the consumption scene party directly.
Based on the same inventive concept, the application also provides a device corresponding to the method in the first embodiment, which is detailed in the second embodiment.
Example two
As shown in fig. 3, in the present embodiment, there is provided an online loan apparatus for a consumption scenario, including:
the information acquisition module is used for acquiring the personal information and the authorization information of the client by the financial institution;
the confirmation module is used for confirming the identity information of the client by the financial institution through face recognition;
the pre-credit module gives a pre-credit amount in real time according to the credit model if the confirmation is passed; if the confirmation is not passed, ending;
the final audit module is used for carrying out final audit after the financial institution receives the consumption contract information, and informing the client of the credit line after the final audit is passed; if the final audit does not pass, notifying the client of the credit authorization failure, wherein the final audit is the confirmation of the authenticity of consumption;
and the loan module is used for the financial institution to sign a borrowing contract with the client and then directly paying the money to the consumption scene party.
Since the apparatus described in the second embodiment of the present invention is an apparatus used for implementing the method in the first embodiment of the present invention, a person skilled in the art can understand the specific structure and the deformation of the apparatus based on the method described in the first embodiment of the present invention, and thus the details are not described herein again. All the devices adopted in the method of the first embodiment of the present invention belong to the protection scope of the present invention.
Based on the same inventive concept, the application provides an electronic device embodiment corresponding to the first embodiment, which is detailed in the third embodiment.
EXAMPLE III
The embodiment provides an electronic device, which includes a memory, a processor, and a computer program stored in the memory and executable on the processor, and when the processor executes the computer program, any one of the embodiments may be implemented.
Since the electronic device described in this embodiment is a device used for implementing the method in the first embodiment of the present application, based on the method described in the first embodiment of the present application, a specific implementation of the electronic device in this embodiment and various variations thereof can be understood by those skilled in the art, and therefore, how to implement the method in the first embodiment of the present application by the electronic device is not described in detail herein. The equipment used by those skilled in the art to implement the methods in the embodiments of the present application is within the scope of the present application.
Based on the same inventive concept, the application provides a storage medium corresponding to the fourth embodiment, which is described in detail in the fourth embodiment.
Example four
The present embodiment provides a computer-readable storage medium, on which a computer program is stored, and when the computer program is executed by a processor, any one of the first embodiment can be implemented.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
Although specific embodiments of the invention have been described above, it will be understood by those skilled in the art that the specific embodiments described are illustrative only and are not limiting upon the scope of the invention, and that equivalent modifications and variations can be made by those skilled in the art without departing from the spirit of the invention, which is to be limited only by the appended claims.
Claims (8)
1. An online loan method for a consumption scene, comprising:
step 1, a financial institution acquires personal information and authorization information of a client;
step 2, the financial institution confirms the identity information of the client;
step 3, if the confirmation is passed, giving a pre-credit limit in real time according to the credit model; if the confirmation is not passed, ending;
step 4, after receiving the consumption contract information, the financial institution carries out final audit and informs the client of credit line after the final audit is passed; if the final audit is not passed, the client is informed of the credit authorization failure;
and 5, the financial institution signs a borrowing contract with the client, and then pays the money to the consumption scene party directly.
2. The consumption scene online loan method according to claim 1, wherein the step 2 further comprises: the financial institution confirms the identity information of the customer through face recognition.
3. The consumption scene online loan method according to claim 1, wherein the final review is to confirm the authenticity of consumption.
4. An online loan apparatus for a consumption scenario, comprising:
the information acquisition module is used for acquiring the personal information and the authorization information of the client by the financial institution;
the confirmation module is used for confirming the identity information of the client by the financial institution;
the pre-credit module gives a pre-credit amount in real time according to the credit model if the confirmation is passed; if the confirmation is not passed, ending;
the final audit module is used for carrying out final audit after the financial institution receives the consumption contract information, and informing the client of the credit line after the final audit is passed; if the final audit is not passed, the client is informed of the credit authorization failure;
and the loan module is used for the financial institution to sign a borrowing contract with the client and then directly paying the money to the consumption scene party.
5. The consumption scene online loan apparatus according to claim 4, wherein the confirmation module is further embodied to: the financial institution confirms the identity information of the customer through face recognition.
6. The consumption scene online loan apparatus according to claim 4, wherein the final review is to confirm the authenticity of consumption.
7. An electronic device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, characterized in that the processor implements the method according to any of claims 1 to 3 when executing the program.
8. A computer-readable storage medium, on which a computer program is stored which, when being executed by a processor, carries out the method according to any one of claims 1 to 3.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202211541614.1A CN115829724A (en) | 2022-12-02 | 2022-12-02 | Consumption scene online loan method, device, equipment and medium |
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| Application Number | Priority Date | Filing Date | Title |
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| CN202211541614.1A CN115829724A (en) | 2022-12-02 | 2022-12-02 | Consumption scene online loan method, device, equipment and medium |
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| CN115829724A true CN115829724A (en) | 2023-03-21 |
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| CN202211541614.1A Pending CN115829724A (en) | 2022-12-02 | 2022-12-02 | Consumption scene online loan method, device, equipment and medium |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN118261691A (en) * | 2024-03-15 | 2024-06-28 | 人保支付科技(重庆)有限公司 | Money consumption processing method and related equipment |
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- 2022-12-02 CN CN202211541614.1A patent/CN115829724A/en active Pending
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN118261691A (en) * | 2024-03-15 | 2024-06-28 | 人保支付科技(重庆)有限公司 | Money consumption processing method and related equipment |
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