CN116071149A

CN116071149A - Data processing method and device

Info

Publication number: CN116071149A
Application number: CN202310142391.XA
Authority: CN
Inventors: 汪海洋; 郭林刚
Original assignee: China Construction Bank Corp; CCB Finetech Co Ltd
Current assignee: China Construction Bank Corp; CCB Finetech Co Ltd
Priority date: 2023-02-21
Filing date: 2023-02-21
Publication date: 2023-05-05

Abstract

The invention discloses a data processing method and device, and relates to the technical field of big data. One embodiment of the method comprises the following steps: receiving a loan application request; transmitting the loan applicant information and the sponsored website information to an public accumulation system so that the public accumulation system verifies the loan applicant information; in response to receiving a message returned by the public accumulation system and passing the verification, sending information to be approved corresponding to the loan applicant information to the public accumulation system, so that the public accumulation system can approve the information to be approved; and after the approval result indicates that the approval passes, receiving the fund loan funds transferred by the fund accumulation system according to the information of the sponsored website. The embodiment provides a method for the vertically-managed staff in different places to handle the accumulated fund loan business without crossing regions under the condition of unified management of the accumulated fund of the vertically-managed staff, which is more convenient and quick; the method improves the efficiency and accuracy of data processing, and saves manpower, material resources and cost.

Description

Data processing method and device

Technical Field

The present invention relates to the field of big data technologies, and in particular, to a method and an apparatus for data processing.

Background

The existing working flow of the public accumulation housing loan service adopts an off-line counter manual working mode. After the accumulation of the vertical management units is uniformly managed, the workers of the vertical management units need to go to the country management center in different places to handle accumulation loans, and carry various paper materials, so that great inconvenience is brought to the workers of the vertical management units.

Disclosure of Invention

In view of the above, the embodiment of the invention provides a data processing method and device, and provides a method for vertically managing workers in different places without transacting the principal loan business across regions under the condition of unified management of principal of the workers in a vertically managing unit, which is more convenient and faster; the method improves the efficiency and accuracy of data processing, and saves manpower, material resources and cost.

To achieve the above object, according to one aspect of an embodiment of the present invention, there is provided a method of data processing, including:

receiving a loan application request, wherein the loan application request comprises loan applicant information and sponsor website information;

transmitting the loan applicant information and the sponsor website information to an accumulation system so that the accumulation system verifies the loan applicant information;

Responding to a message returned by an accumulation system and passing the verification, and sending the information to be approved corresponding to the loan applicant information to the accumulation system so that the accumulation system can approve the information to be approved;

and after the approval result indicates that the approval is passed, receiving the accumulated fund loan funds transferred by the accumulated fund system according to the information of the sponsored website.

Optionally, the checking the loan applicant information by the public accumulation system includes:

and checking whether the loan applicant is a user of a preset category by the public accumulation system, and checking the loan applicant to pass under the condition that the loan applicant is the user of the preset category.

Optionally, before sending the pending batch information corresponding to the loan applicant information to the public accumulation system, the method includes:

and auditing the information to be audited, and sending the information to be audited to the accumulation system after the auditing is passed.

Optionally, the pending batch information includes credit data and image data of the loan applicant.

Optionally, the public accumulation system is caused to approve the pending information, including:

And enabling the accumulation system to call an accumulation loan interface to check the credit investigation data and the image data, so that the accumulation system generates a loan number after the check is passed.

Optionally, the pending batch information further includes basic information, guarantee information and loan information of the loan applicant.

and the accumulation fund system is enabled to check the basic information, the guarantee information and the loan information of the loan applicant in sequence, and after the check is passed, a successful check result returned by the accumulation fund system is received.

Optionally, after receiving the result of the verification success returned by the public accumulation system, the method includes:

and performing mortgage registration according to the guarantee information of the loan applicant so as to send mortgage registration information to the public accumulation system, so that the public accumulation system updates a mortgage registration state according to the mortgage registration information.

Optionally, after the mortgage registration state is updated by the mortgage system according to the mortgage registration information, the method includes:

and generating the paying data by the accumulation fund system, and transferring the paying amount based on the paying data to be used as the accumulation fund loan fund.

Optionally, before receiving the principal loan funds transferred by the principal system according to the sponsored website information, the method includes:

inquiring the paying-out data of the public accumulation system;

after receiving the principal loan funds transferred by the principal system according to the sponsor website information, the method comprises the following steps:

and checking the paying data, and transferring the fund of the accumulated fund loan to a collection account.

In another aspect of the embodiment of the present invention, there is provided an apparatus for data processing, including:

the first receiving module is used for receiving a loan application request, wherein the loan application request comprises loan applicant information and sponsor website information;

the first sending module is used for sending the loan applicant information and the sponsored website information to an public accumulation system so as to enable the public accumulation system to verify the loan applicant information;

the second sending module is used for responding to the received information which is returned by the accumulation system and passes the verification, and sending the information to be approved corresponding to the loan applicant information to the accumulation system so as to enable the accumulation system to approve the information to be approved;

and the second receiving module is used for receiving the fund of the fund loan transferred by the fund accumulation system according to the information of the sponsored website after the approval result indicates approval.

Optionally, the first sending module is further configured to:

Optionally, the second sending module is further configured to: before sending pending information corresponding to the loan applicant information to the public accumulation system,

Optionally, the second sending module is further configured to:

Optionally, the second sending module is further configured to: after receiving the result of the verification success returned by the accumulation fund system,

Optionally, the second sending module is further configured to: after the mortgage registration status is updated by the mortgage registration system according to the mortgage registration information,

Optionally, the second receiving module is further configured to: inquiring the paying data of the public accumulation system before receiving the public accumulation loan funds transferred by the public accumulation system according to the sponsor website information;

the second receiving module is further configured to: and after receiving the deposit loan funds transferred by the deposit loan system according to the sponsor website information, checking the paying data and transferring the deposit loan funds to a collection account.

According to another aspect of an embodiment of the present invention, there is provided an electronic apparatus including:

One or more processors;

storage means for storing one or more programs,

the one or more programs, when executed by the one or more processors, cause the one or more processors to implement the methods of data processing provided by the present invention.

According to a further aspect of an embodiment of the present invention, there is provided a computer readable medium having stored thereon a computer program which when executed by a processor implements the method of data processing provided by the present invention.

According to a further aspect of an embodiment of the present invention, there is provided a computer program product comprising a computer program which, when executed by a processor, implements the method of data processing provided by the present invention.

One embodiment of the above invention has the following advantages or benefits: after receiving a loan application request, the data processing method of the embodiment of the invention sends loan applicant information and sponsor site information to an public deposit system so that the public deposit system checks the loan applicant information, after the check is passed, the information to be approved corresponding to the loan applicant information is sent to the public deposit system so that the public deposit system approves the information to be approved, and after the approval is passed, the public deposit loan funds transferred by the public deposit system according to the sponsor site information are received. The method realizes verification of loan applicant information and approval of information to be approved by carrying out real-time interaction between a personal loan system of a sponsor bank website and an accumulation fund system, thereby obtaining accumulation fund loan funds, improving the efficiency and accuracy of data processing and saving manpower, material resources and cost; the method provides a method for the vertically-managed staff to transact the accumulated fund loan business across regions without the need of the vertically-managed staff in different places under the condition of unified management, and is more convenient and quick.

Further effects of the above-described non-conventional alternatives are described below in connection with the embodiments.

Drawings

The drawings are included to provide a better understanding of the invention and are not to be construed as unduly limiting the invention. Wherein:

FIG. 1 is a schematic diagram of the main flow of a method of data processing according to an embodiment of the present invention;

FIG. 2 is a schematic diagram of the main flow of a method of data processing according to an embodiment of the present invention;

FIG. 3 is a schematic diagram of the main modules of an apparatus according to an embodiment of the invention;

FIG. 4 is an exemplary system architecture diagram in which embodiments of the present invention may be applied;

fig. 5 is a schematic diagram of a computer system suitable for use in implementing an embodiment of the invention.

Detailed Description

Exemplary embodiments of the present invention will now be described with reference to the accompanying drawings, in which various details of the embodiments of the present invention are included to facilitate understanding, and are to be considered merely exemplary. Accordingly, those of ordinary skill in the art will recognize that various changes and modifications of the embodiments described herein can be made without departing from the scope and spirit of the invention. Also, descriptions of well-known functions and constructions are omitted in the following description for clarity and conciseness.

In the technical scheme of the invention, the aspects of acquisition, analysis, use, transmission, storage and the like of the related user personal information all meet the requirements of related laws and regulations, are used for legal and reasonable purposes, are not shared, leaked or sold outside the aspects of legal use and the like, and are subjected to supervision and management of a supervision department. Necessary measures should be taken for the personal information of the user to prevent illegal access to such personal information data, ensure that personnel having access to the personal information data comply with the regulations of the relevant laws and regulations, and ensure the personal information of the user. Once these user personal information data are no longer needed, the risk should be minimized by limiting or even prohibiting the data collection and/or deletion.

User privacy is protected, when applicable, by de-identifying the data, including in some related applications, such as by removing a particular identifier (e.g., date of birth, etc.), controlling the amount or specificity of stored data, controlling how the data is stored, and/or other methods.

FIG. 1 is a schematic diagram of the main flow of a method for data processing according to an embodiment of the present invention, as shown in FIG. 1, the method includes the following steps:

Step S101: receiving a loan application request, wherein the loan application request comprises loan applicant information and sponsor website information;

step S102: transmitting the loan applicant information and the sponsored website information to an public accumulation system so that the public accumulation system verifies the loan applicant information;

step S103: in response to receiving a message returned by the public accumulation system and passing the verification, sending information to be approved corresponding to the loan applicant information to the public accumulation system, so that the public accumulation system can approve the information to be approved;

step S104: and after the approval result indicates that the approval passes, receiving the fund loan funds transferred by the fund accumulation system according to the information of the sponsored website.

In the embodiment of the invention, after receiving the loan application request, the loan applicant and the sponsor site information are sent to the public accumulation system so that the public accumulation system can audit the loan applicant information. The public accumulation fund system can be a system for managing house public accumulation fund of a vertical management unit, and the vertical management unit is a unit in the vertical management system, such as a national fire department. The loan applicant information may include a loan applicant identity, such as a loan applicant's certificate number, name, gender, etc. The sponsor website information may include a sponsor financial institution website name or number, etc., and the sponsor banking website may be a banking website of the place where the vertical management unit is located, and a corresponding sponsor financial institution, such as a sponsor bank corresponding to the sponsor banking website, may be obtained according to the sponsor financial institution website.

In the embodiment of the invention, before receiving a loan application request, the loan data of a loan applicant is manually audited, wherein the loan data comprises a loan application form, identity identification, marital identification, house purchasing data and the like, and then the loan applicant information is acquired to receive the loan application request.

In the embodiment of the invention, the checking of the loan applicant information by the public accumulation system comprises the following steps: and checking whether the loan applicant is a user of a preset category by the accumulation fund system, and checking the loan applicant to pass under the condition that the loan applicant is the user of the preset category. That is, the deposit system judges whether the loan applicant is a user of a preset category according to the loan applicant information to determine whether the loan applicant is qualified to apply for the deposit loan, if so, the deposit system checks to pass and accepts the request for the loan application; if not, the verification is not passed, and the acceptance ending flow of the loan application request cannot be performed. The user of the preset category can be the employee of the vertical management unit and has the accumulation fund to pay, namely, the accumulation fund system judges whether the loan applicant is the employee of the vertical management unit and has the accumulation fund to pay, and the user of the preset category can also be set in a self-defined mode according to the actual situation.

In the embodiment of the invention, before sending the pending batch information corresponding to the loan applicant information to the public accumulation system, the method comprises the following steps: and auditing the information to be approved so as to send the information to be approved to the public accumulation system after the auditing is passed. The information to be approved comprises credit investigation data and image data of the loan applicant.

In the embodiment of the invention, after the information which is returned by the accumulation fund system and passes the verification is received, the information to be inspected is inspected, namely the credit investigation data and the image data are inspected. Specifically, credit investigation data of the loan applicant is obtained according to the identity information of the loan applicant, and the credit investigation data of the loan applicant is verified. Further, the information to be approved may also include credit investigation data of the spouse, and the checking of the information to be approved also includes checking the credit investigation data of the spouse, that is, obtaining the identity information of the spouse of the loan applicant, and obtaining the credit investigation data of the spouse according to the identity information of the spouse, so as to check the credit investigation data of the spouse.

In the embodiment of the invention, the image data is an image of loan data acquired by an image system, that is, the image data is obtained by scanning the loan data. And after the image data is checked, submitting the image data and the credit investigation data to an public accumulation system.

In the embodiment of the invention, the to-be-approved information also comprises the personal data of the loan applicant, and the personal data of the loan applicant is submitted to the accumulation system after the personal data of the loan applicant passes the verification, wherein the personal data comprises the identity information of the loan applicant, the identity information of a spouse and the like. The method also includes sending the sponsored website information to an accumulation system, such as submitting the sponsored banking website information to the accumulation system, the sponsored banking website information including sponsored banking website names.

In the embodiment of the invention, the public accumulation system is enabled to examine and approve the information to be examined and approved, and the method comprises the following steps: and the accumulation system calls an accumulation loan interface to check the credit investigation data and the image data, so that the accumulation system generates a loan number after the check is passed. The public accumulation system examines and approves the information to be examined and approved to check whether the loan application request meets the loan application qualification, namely whether the public accumulation loan condition is met, and if so, performing a loan acceptance operation to generate a loan number; if not, returning to the step of executing the examination and approval information. Wherein the loan number is an identification corresponding to the loan application request.

In the embodiment of the invention, the public accumulation system is enabled to approve the information to be approved, and the method further comprises the following steps: the public accumulation system is enabled to examine and approve the personal data of the loan applicant so as to check whether the loan application qualification is met.

In the embodiment of the invention, the information to be approved also comprises basic information, guarantee information and loan information of the loan applicant. Wherein, the basic information, the guarantee information and the loan information of the loan applicant can be obtained according to the loan information. The basic information includes the name, date of birth, type of certificate, certificate number, name of spouse, type of certificate, certificate number, work unit, etc. of the loan applicant. The loan information includes information related to the loan, such as a loan term, a commercial loan amount, a first payment for a purchase, a total amount of the loan, a contract interest rate for borrowing, a maximum number of consecutive overdue times, and the like. The guaranty information includes transaction type, guaranty type, mortgage name, mortgage evaluation value, mortgage owner information, mortgage ticket type, mortgage registration status, mortgage type, mortgage ticket number, mortgage house seating position, total price for a transaction, etc.

In embodiments of the present invention, the pending batch information may also include supplemental information for the loan applicant, including work units, home income and expense, home liabilities, and the like. The pending batch information may also include shared title information including shared title name, certificate type, certificate number, title ratio, public accumulation payment units, etc. The pending batch information may also include: the spouse collection information comprises spouse public accumulation payment information, such as month payment amount, payment balance and payment unit. The pending batch information also includes house information including the number of existing housing sets, housing areas, housing positions, year of house construction, house purchase contracts, house ticket numbers, etc. The pending batch information also includes vouch-for associated information including transaction type, etc.

In the embodiment of the invention, the public accumulation system is enabled to examine and approve the information to be examined and approved, and the method comprises the following steps: and the public accumulation system is enabled to check the basic information, the guarantee information and the loan information of the loan applicant in sequence, and after the check is passed, the successful check result returned by the public accumulation system is received. That is, the principal system is made to verify the basic information of the loan applicant, verify the guarantee information after the verification is passed, verify the loan information after the guarantee information is passed, and after the loan information is passed, the principal system is made to save the basic information, the guarantee information and the loan information of the loan applicant, and receive the successful verification result returned by the principal system. The public accumulation system can verify the basic information, the guarantee information and the loan information of the loan applicant according to the approval rule, namely judging whether the approval rule is met or not, wherein the approval rule is set according to the business requirement.

After the principal system is made to store the basic information, the guarantee information and the loan information of the loan applicant, the principal system is made to acquire image data, then the principal system is combined with the image data to audit the basic information, the guarantee information and the loan information of the loan applicant, the principal system can be manually audited or automatically audited by the system to verify whether the data are consistent, after the data are audited, the principal system generates an approval notice and a consignment contract, and a notice of approval passing returned by the principal system can be received; if the examination is not passed, receiving approval comments returned by the accumulation fund system and indicating the failure, and ending the flow.

In the embodiment of the invention, after receiving the result of successful verification returned by the accumulation fund system, the method comprises the following steps: and performing mortgage registration according to the guarantee information of the loan applicant so as to send mortgage registration information to the mortgage system, so that the mortgage system updates the mortgage registration state according to the mortgage registration information.

In the embodiment of the invention, the guarantee information comprises mortgage ticket information, and the mortgage registration information comprises mortgage ticket information and image data, wherein the mortgage ticket information, certificate type, ticket number and the like, and the image data is an image of the mortgage ticket scanned by an image system. And after receiving the mortgage registration information, the mortgage registration state is updated to be a state indicating that the mortgage is successful. And then the public accumulation system carries out loan release approval to generate a reserved release date so as to carry out release on the release date.

In an embodiment of the present invention, after updating a mortgage registration state by an accumulation fund system according to mortgage registration information, the method includes: and enabling the accumulation fund system to generate the paying data, and transferring the paying amount based on the paying data to be used as the accumulation fund loan fund. The fund-releasing data comprise principal bank principal credit-giving user, principal credit-giving user of the principal bank website, fund-releasing amount and the like, the fund-releasing amount is an accumulated fund loan, the accumulated fund system transfers the fund-releasing amount to the principal bank principal credit-giving user, then the principal bank transfers the fund-releasing amount to the principal credit-giving user of the principal bank website through the principal credit-giving user, and then the principal bank website principal credit-giving user receives the fund-releasing amount and then pays the fund to a collection account.

In the embodiment of the invention, before receiving the principal loan funds transferred by the principal system according to the information of the sponsored website, the method comprises the following steps: and inquiring the paying-out data of the accumulation fund system. After receiving the fund loan funds transferred by the fund system according to the information of the sponsored website, the method comprises the following steps: checking the deposit data, and transferring the fund of the accumulated fund loan to the collection account. The cash deposit system transfers the cash deposit loan funds to the sponsor banks corresponding to the sponsor site information, the sponsor banks transfer the cash deposit loan funds to the sponsor banking sites after checking the cash deposit data, and the sponsor banking sites transfer the cash deposit loan funds to the collection account according to the cash deposit data of the cash deposit system. The method can be realized through the personal loan system of the sponsored banking website, so that the sponsored banking website can carry out the application of the public accumulation loan of the vertical management unit staff, the remote handling is not needed, the method is convenient and quick, and the efficiency and the safety are higher.

Fig. 2 is a flow chart of a method for data processing according to an embodiment of the invention. The method comprises the following steps: a personal loan system (hereinafter referred to as a loan system) receives a loan application request, wherein the loan application request comprises loan applicant information and sponsor site information, and sends the loan applicant information and the sponsor site information to an accumulation system; the public accumulation system verifies the loan applicant information to verify whether the loan applicant is a vertical management unit worker or not, and whether public accumulation payment exists or not; after receiving a notice of successful verification of the public accumulation system, acquiring spouse identity information, credit investigation data of loan applicant and spouse, and image data of loan data, and then sending the obtained image data to the public accumulation system; checking the information by the accumulation system, judging whether the loan applicant accords with the loan qualification, if not, re-acquiring the spouse identity information, credit investigation data of the loan applicant and spouse and image data of the loan data, and then sending the information to the accumulation system, if so, generating a loan number and sending a notice of passing the check to each loan system; the loan system acquires basic information and supplementary information of a borrower, spouse collection information and shared property information, house information, guarantee information and loan information, and sends the information to the public accumulation system; the public accumulation system judges whether the information meets the approval rule, if not, the spouse identity information, credit investigation data of loan applicant and spouse and image data of loan data are acquired again and then sent to the public accumulation system, if not, the information is saved, and a notice of successful saving is returned to each loan system; meanwhile, the public accumulation system acquires image data, judges whether the examination and approval pass or not according to the stored information and the image data, if so, generates an examination and approval notice, and if not, returns the examination and approval notices to the individual credit system; the credit system finishes the flow according to the approval and the further approval, if the approval does not pass, and acquires the approval notice if the approval passes; then, mortgage implementation is carried out, mortgage ticket information comprising certificate type and ticket number is registered, a mortgage ticket image is obtained, and the mortgage ticket information and the mortgage ticket image are stored and then sent to an accumulation fund system; the public accumulation system updates the mortgage registration state according to the mortgage ticket information and the mortgage ticket image, then carries out loan release approval, and generates release data after approval; the public accumulation system transfers the payment amount to the sponsor bank credit principal user based on the payment data and dials down to the sponsor bank credit principal user; the credit system issues the received payment amount to the collection account based on the payment data.

After receiving a loan application request, the data processing method of the embodiment of the invention sends loan applicant information and sponsor site information to an public deposit system so that the public deposit system checks the loan applicant information, after the check is passed, the information to be approved corresponding to the loan applicant information is sent to the public deposit system so that the public deposit system approves the information to be approved, and after the approval is passed, the public deposit loan funds transferred by the public deposit system according to the sponsor site information are received. The method realizes verification of loan applicant information and approval of information to be approved by carrying out real-time interaction on a personal loan system and an accumulation system of a sponsored bank website, thereby obtaining accumulation loan funds, improving the efficiency and accuracy of data processing, saving manpower and material resources and saving cost; the method provides a method for transacting the fund of the vertical management staff in different places under the condition of unified management, and does not need to transact the fund loan business across regions; the loan data can be stored in the sponsored banking website and can be uploaded to the public accumulation system after being scanned into images, so that the problem of storing the loan data is solved; the public accumulation fund system transfers the public accumulation fund loan funds through the principal and lending fund user, does not need the payee to open accounts in different places, and is more convenient and quick to collect money.

As shown in fig. 3, in another aspect of the embodiment of the present invention, there is provided an apparatus 300 for data processing, including:

the first receiving module 301 receives a loan application request, where the loan application request includes loan applicant information and sponsor website information;

the first sending module 302 sends loan applicant information and sponsor site information to the public accumulation system so that the public accumulation system verifies the loan applicant information;

the second sending module 303 is used for sending the information to be approved corresponding to the loan applicant information to the public accumulation system in response to receiving the information which is returned by the public accumulation system and passes the verification, so that the public accumulation system can approve the information to be approved;

the second receiving module 304 receives the fund loan fund transferred by the fund accumulation system according to the information of the sponsor website after the approval result indicates approval.

In the embodiment of the present invention, the first sending module 302 is further configured to: and checking whether the loan applicant is a user of a preset category by the accumulation fund system, and checking the loan applicant to pass under the condition that the loan applicant is the user of the preset category.

In the embodiment of the present invention, the second sending module 303 is further configured to: and before the information to be approved corresponding to the loan applicant information is sent to the public accumulation system, the information to be approved is approved, and after the approval is passed, the information to be approved is sent to the public accumulation system.

In the embodiment of the invention, the information to be approved comprises credit investigation data and image data of the loan applicant.

In the embodiment of the present invention, the second sending module 303 is further configured to: and the accumulation system calls an accumulation loan interface to check the credit investigation data and the image data, so that the accumulation system generates a loan number after the check is passed.

In the embodiment of the invention, the information to be approved also comprises basic information, guarantee information and loan information of the loan applicant.

In the embodiment of the present invention, the second sending module 303 is further configured to: and the public accumulation system is enabled to check the basic information, the guarantee information and the loan information of the loan applicant in sequence, and after the check is passed, the successful check result returned by the public accumulation system is received.

In the embodiment of the present invention, the second sending module 303 is further configured to: and after receiving a successful verification result returned by the accumulation system, performing mortgage registration according to the guarantee information of the loan applicant, and sending mortgage registration information to the accumulation system so that the accumulation system updates the mortgage registration state according to the mortgage registration information.

In the embodiment of the present invention, the second sending module 303 is further configured to: and after the mortgage registration state is updated by the public accumulation system according to the mortgage registration information, generating the paying data by the public accumulation system, and transferring the paying amount based on the paying data to be used as the fund of the public accumulation loan.

In the embodiment of the present invention, the second receiving module 304 is further configured to: inquiring the fund-releasing data of the accumulation system before receiving the accumulation loan funds transferred by the accumulation system according to the information of the sponsored website; the second receiving module is further configured to: and after receiving the accumulated fund loan funds transferred by the accumulated fund system according to the information of the sponsored website, checking the paying-off data and transferring the accumulated fund loan funds to a collection account.

According to another aspect of an embodiment of the present invention, there is provided an electronic apparatus including: one or more processors; and a storage device for storing one or more programs which, when executed by the one or more processors, cause the one or more processors to implement the method for data processing provided by the present invention.

Fig. 4 illustrates an exemplary system architecture 400 of a data processing method or apparatus to which embodiments of the present invention may be applied.

As shown in fig. 4, the system architecture 400 may include a first server 401, a network 402, and a second server 403. The network 402 is used as a medium to provide a communication link between the first server 401 and the second server 403. The network 402 may include various connection types, such as wired, wireless communication links, or fiber optic cables, among others.

A user may interact with server 405 through network 404 using first server 401 to receive or send messages, etc.

The first server 401 and the second server 403 may be servers providing various services, such as a background management server (for example only) providing support for loan applications. The first server 401 may transmit the loan applicant information to the second server 403, and the second server 403 performs analysis or the like on the loan applicant information and feeds back a processing result (for example, a result of verification success) to the first server 401.

It should be noted that, the method for data processing provided in the embodiment of the present invention is generally executed by the first server 401, and accordingly, the device for data processing is generally disposed in the first server 401.

It should be understood that the number of first servers and second servers in fig. 4 is merely illustrative. There may be any number of first servers and second servers, as desired for implementation.

Referring now to FIG. 5, there is illustrated a schematic diagram of a computer system 500 suitable for use in implementing an embodiment of the present invention. The terminal device shown in fig. 5 is only an example, and should not impose any limitation on the functions and the scope of use of the embodiment of the present invention.

As shown in fig. 5, the computer system 500 includes a Central Processing Unit (CPU) 501, which can perform various appropriate actions and processes according to a program stored in a Read Only Memory (ROM) 502 or a program loaded from a storage section 508 into a Random Access Memory (RAM) 503. In the RAM 503, various programs and data required for the operation of the system 500 are also stored. The CPU 501, ROM 502, and RAM 503 are connected to each other through a bus 504. An input/output (I/O) interface 505 is also connected to bus 504.

The following components are connected to the I/O interface 505: an input section 506 including a keyboard, a mouse, and the like; an output portion 507 including a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and the like, and a speaker, and the like; a storage portion 508 including a hard disk and the like; and a communication section 509 including a network interface card such as a LAN card, a modem, or the like. The communication section 509 performs communication processing via a network such as the internet. The drive 510 is also connected to the I/O interface 505 as needed. A removable medium 511 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is mounted on the drive 510 as needed so that a computer program read therefrom is mounted into the storage section 508 as needed.

In particular, according to embodiments of the present disclosure, the processes described above with reference to flowcharts may be implemented as computer software programs. For example, embodiments of the present disclosure include a computer program product comprising a computer program embodied on a computer readable medium, the computer program comprising program code for performing the method shown in the flow chart. In such an embodiment, the computer program may be downloaded and installed from a network via the communication portion 509, and/or installed from the removable media 511. The above-described functions defined in the system of the present invention are performed when the computer program is executed by a Central Processing Unit (CPU) 501.

The computer readable medium shown in the present invention may be a computer readable signal medium or a computer readable storage medium, or any combination of the two. The computer readable storage medium can be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or a combination of any 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 the context of this document, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. In the present invention, however, the computer-readable signal medium may include a data signal propagated in baseband or as part of a carrier wave, with the computer-readable program code embodied therein. Such a propagated data signal may take any of a variety of forms, including, but not limited to, electro-magnetic, optical, or any suitable combination of the foregoing. A computer readable signal medium may also be any computer readable medium that is not a computer readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device. Program code embodied on a computer readable medium may be transmitted using any appropriate medium, including but not limited to: wireless, wire, fiber optic cable, RF, etc., or any suitable combination of the foregoing.

The flowcharts and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present invention. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams or flowchart illustration, and combinations of blocks in the block diagrams or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.

The modules involved in the embodiments of the present invention may be implemented in software or in hardware. The described modules may also be provided in a processor, for example, as: a processor includes a first receiving module, a first transmitting module, a second transmitting module, and a second receiving module. The names of these modules do not constitute a limitation on the module itself in some cases, and for example, the first receiving module may also be described as "a module that receives a request for a loan application".

As another aspect, the present invention also provides a computer-readable medium that may be contained in the apparatus described in the above embodiments; or may be present alone without being fitted into the device. The computer readable medium carries one or more programs which, when executed by a device, cause the device to include: receiving a loan application request, wherein the loan application request comprises loan applicant information; transmitting the loan applicant information to an public accumulation system so that the public accumulation system can verify the loan applicant information; in response to receiving a message returned by the public accumulation system and passing the verification, sending information to be approved corresponding to the loan applicant information to the public accumulation system, so that the public accumulation system can approve the information to be approved; and after the approval result indicates that the approval passes, receiving the principal loan funds transferred by the principal system.

According to the technical scheme of the embodiment of the invention, the data processing method of the embodiment of the invention sends the loan applicant information to the accumulation system after receiving the loan application request, so that the accumulation system checks the loan applicant information, and sends the information to be approved corresponding to the loan applicant information to the accumulation system after the check is passed, so that the accumulation system performs approval on the information to be approved, and receives the accumulation loan funds transferred by the accumulation system after the approval is passed. The method realizes verification of loan applicant information and approval of information to be approved by carrying out real-time interaction on a personal loan system and an accumulation system of a sponsored bank website, thereby obtaining accumulation loan funds, improving the efficiency and accuracy of data processing, saving manpower and material resources and saving cost; the method provides a method for transacting the fund of the vertical management staff in different places under the condition of unified management, and does not need to transact the fund loan business across regions; the loan data can be stored in the sponsored banking website and can be uploaded to the public accumulation system after being scanned into images, so that the problem of storing the loan data is solved; the public accumulation fund system transfers the public accumulation fund loan funds through the principal and lending fund user, does not need the payee to open accounts in different places, and is more convenient and quick to collect money.

The above embodiments do not limit the scope of the present invention. It will be apparent to those skilled in the art that various modifications, combinations, sub-combinations and alternatives can occur depending upon design requirements and other factors. Any modifications, equivalent substitutions and improvements made within the spirit and principles of the present invention should be included in the scope of the present invention.

Claims

1. A method of data processing, comprising:

2. The method of claim 1, wherein causing the public accumulation system to verify the loan applicant information comprises:

3. The method of claim 1, comprising, prior to sending the pending information corresponding to the loan applicant information to the public accumulation system:

4. A method according to claim 3, wherein the pending information includes credit data and image data of the loan applicant.

5. The method of claim 4, wherein causing the public accumulation system to approve the pending information comprises:

6. The method of claim 5, wherein the pending information further comprises basic information, warranty information, and loan information for the loan applicant.

7. The method of claim 6, wherein causing the public accumulation system to approve the pending information comprises:

8. The method of claim 7, wherein after receiving the result of the successful verification returned by the accumulation system, comprising:

9. The method of claim 8, wherein causing the mortgage system to update a mortgage registration status based on the mortgage registration information comprises:

10. The method of claim 9, wherein prior to receiving the fund of the fund loan transferred by the fund system according to the sponsored site information, comprising:

inquiring the paying-out data of the public accumulation system;

11. An apparatus for data processing, comprising:

12. The method of claim 11, wherein the first transmitting module is further configured to:

13. The method of claim 11, wherein the second transmitting module is further configured to: before sending pending information corresponding to the loan applicant information to the public accumulation system,

14. The method of claim 13, wherein the pending information includes credit data and image data for the loan applicant.

15. The method of claim 14, wherein the second transmitting module is further configured to:

16. The method of claim 15, wherein the pending information further comprises basic information, warranty information, and loan information for the loan applicant.

17. The method of claim 16, wherein the second transmitting module is further configured to:

18. The method of claim 17, wherein the second transmitting module is further configured to: after receiving the result of the verification success returned by the accumulation fund system,

19. The method of claim 18, wherein the second transmitting module is further configured to: after the mortgage registration status is updated by the mortgage registration system according to the mortgage registration information,

20. The method of claim 19, wherein the second receiving module is further configured to: inquiring the paying data of the public accumulation system before receiving the public accumulation loan funds transferred by the public accumulation system according to the sponsor website information;

21. An electronic device, comprising:

one or more processors;

storage means for storing one or more programs,

when executed by the one or more processors, causes the one or more processors to implement the method of any of claims 1-10.

22. A computer readable medium, on which a computer program is stored, characterized in that the program, when being executed by a processor, implements the method according to any of claims 1-10.

23. A computer program product comprising a computer program which, when executed by a processor, implements the method according to any one of claims 1-10.