WO2018166091A1 - 贷款面签方法、系统、终端及计算机可读存储介质 - Google Patents

贷款面签方法、系统、终端及计算机可读存储介质 Download PDF

Info

Publication number
WO2018166091A1
WO2018166091A1 PCT/CN2017/089474 CN2017089474W WO2018166091A1 WO 2018166091 A1 WO2018166091 A1 WO 2018166091A1 CN 2017089474 W CN2017089474 W CN 2017089474W WO 2018166091 A1 WO2018166091 A1 WO 2018166091A1
Authority
WO
WIPO (PCT)
Prior art keywords
face
terminal
information
loan
application form
Prior art date
Application number
PCT/CN2017/089474
Other languages
English (en)
French (fr)
Inventor
龙觉刚
孙成
冯心
文佳
梁瑾
李明
盛亮
Original Assignee
平安科技（深圳）有限公司
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by 平安科技（深圳）有限公司 filed Critical 平安科技（深圳）有限公司
Publication of WO2018166091A1 publication Critical patent/WO2018166091A1/zh

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/03—Credit; Loans; Processing thereof

Definitions

  • the present invention relates to the field of financial technology, and in particular, to a loan face signing method, system, terminal, and computer readable storage medium.
  • the face-to-face sign refers to the cost of the original valid documents, handbooks and loans of the lender (together with the co-payer or guarantor); the cost of paying the loan to the lending bank and the procedures for interviewing and signing.
  • a face-to-face check is a formal requirement for applying for a loan from a bank.
  • the user In the existing face-to-face signing process, the user is required to carry the face-to-face information to the stores of the relevant institutions to handle the corresponding business. For example, in the process of applying for mortgage, the user may need to go to the loan bank, the location of the real estate agent and the real estate exchange to handle the corresponding business. The lead time is too long and the efficiency is low.
  • the main object of the present invention is to provide a loan face sign method, system, terminal and computer readable storage medium, which aim to solve the technical problem of the inefficiency of the existing face sign.
  • the present invention provides a loan face sign method, and the loan face sign method includes the following steps:
  • the first terminal detects the face-to-face request, the information about the face-to-face information required for the face-to-face signing process is obtained, and the face-to-face information is sent to the second terminal that is bound to the first terminal by using the preset interface;
  • the first terminal completes the face-to-face process according to the received loan application form and the audit result.
  • the present invention further provides a loan face signing system, the loan face sign system comprising a first terminal and a second terminal;
  • the first terminal is configured to: when the face-to-face request is detected, obtain the face-to-face information required for the face-to-face signing process, and send the face-to-face information to the second terminal that is bound to the first terminal by using the preset interface;
  • the second terminal is configured to: when receiving the face-to-face information, acquire identity information of the user corresponding to the face-to-face information and contract information required in the face-to-face signing process; and prompt the agent of the second terminal to review the identity information And contract information to obtain an audit result; sending the audit result and the pre-stored loan application form to the first terminal;
  • the first terminal is further configured to complete the face-to-face process according to the received loan application form and the audit result.
  • the present invention further provides a first terminal, where the first terminal includes a processor, a network interface, a memory, and a communication bus;
  • the communication bus is configured to implement connection communication between a processor, a network interface, and a memory;
  • the network interface is configured to connect to the second terminal, and perform data communication with the second terminal;
  • the processor is configured to call a loan visa program stored in the memory to perform the following steps:
  • the face-to-face information required for the face-to-face sign is obtained, and the face-to-face information is sent to the second terminal that is bound to the first terminal by using the preset interface, for the second terminal.
  • the present invention further provides a second terminal, where the second terminal includes a processor, a network interface, a memory, and a communication bus;
  • the communication bus is configured to implement connection communication between a processor, a network interface, and a memory;
  • the network interface is configured to connect to the first terminal, and perform data communication with the first terminal;
  • the processor is configured to call a loan visa program stored in the memory to perform the following steps:
  • the present invention also provides a computer readable storage medium, the computer readable storage medium being applied to a first terminal, the computer readable storage medium storing one or more programs, the one Or multiple programs can be executed by one or more processors to implement the following steps:
  • the face-to-face information required for the face-to-face sign is obtained, and the face-to-face information is sent to the second terminal that is bound to the first terminal by using the preset interface, for the second terminal.
  • the present invention also provides a computer readable storage medium, the computer readable storage medium being applied to a second terminal, the computer readable storage medium storing one or more programs, the one Or multiple programs can be executed by one or more processors to implement the following steps:
  • the method obtains the face-to-face information required for the face-to-face signing process, and sends the face-to-face information to the second terminal that is bound to the first terminal through the preset interface;
  • the second terminal acquires the identity information of the user corresponding to the face-to-face information and the contract information required in the face-to-face signing process; and prompts the agent of the second terminal to review the identity information and the contract information.
  • obtaining the audit result sending the audit result and the pre-stored loan application form to the first terminal; the first terminal completing the face-to-face process according to the received loan application form and the audit result.
  • the system corresponding to the terminals involved in the face-to-face process is connected, and the user only needs to carry the information required for the face-to-face to a designated terminal, and the face-to-face sign can be completed, thereby improving the face-to-face efficiency.
  • FIG. 1 is a schematic flow chart of a first embodiment of a loan face signing method according to the present invention
  • FIG. 2 is a schematic flowchart of acquiring identity information of a user corresponding to the face-to-face information and contract information required in a face-to-face process when the second terminal receives the face-to-face information according to an embodiment of the present invention
  • FIG. 3 is a schematic diagram of functional modules of a preferred embodiment of a loan face signing system of the present invention.
  • FIG. 4 is a schematic structural diagram of a device in a hardware operating environment according to an embodiment of the present invention.
  • the invention provides a loan face sign method.
  • FIG. 1 is a schematic flowchart diagram of a first embodiment of a loan face signing method according to the present invention.
  • the loan face-to-face method of the present application is applied to the first terminal and the second terminal.
  • the system where the first terminal is located is the system where the real estate exchange is located.
  • the system of the real estate exchange is referred to as the real estate exchange.
  • the system, the second terminal is the system of the financial institution that provides the loan, and can be understood as the system where the face-to-face platform is located.
  • the home exchange system and the face-to-face platform can be executed by the server in addition to the terminal, and can also be executed by the terminal and the server.
  • the terminals mentioned in the embodiments of the present invention include, but are not limited to, a PC, a mobile phone, a tablet, and the like.
  • the loan face-to-face method includes:
  • step S10 when the first terminal detects the face-to-face request, the information about the face-to-face information required for the face-to-face signing process is obtained, and the face-to-face information is sent to the second terminal that is bound to the first terminal by using the preset interface.
  • the first terminal detects the face-to-face request
  • the information about the face-to-face information required for the face-to-face signing process is obtained, and the obtained face-to-face information is sent to the second terminal that is bound to the first terminal through the preset interface.
  • the face-to-face information includes, but is not limited to, the name, age, and ID number of the main lender, co-loan, spouse of the main lender, and spouse of the co-loan.
  • the face sign request can be triggered by the corresponding staff of the first terminal.
  • the first terminal is bound by a preset interface.
  • the second terminal The jump of the process node between the first terminal and the second terminal is closely related to the preset interface.
  • the process node is consistent with the agreed node between the first terminal and the second terminal, it indicates that the process between the first terminal and the second terminal is synchronization; when the process node and the first terminal and the second terminal agree on the node If they are inconsistent, it indicates that the process between the first terminal and the second terminal is not synchronized.
  • the default interface is B2BI ((Business To Business Integration) interface.
  • B2BI (Business To Business Integration) interface.
  • the preset interface is a virtual interface, and the parameter corresponding to the preset interface is set to a constant, so that when the preset interface parameter name is modified, the parameter constant defined by the constant class can be directly modified to reduce the workload.
  • the corresponding staff of the first terminal should first check whether the information provided by the lender is complete. If the information provided by the lender is not complete, the corresponding information should be input in the first terminal, so that the face-to-face information acquired by the first terminal is the complete face-to-face information.
  • step S10 includes:
  • Step a when the first terminal detects the face-to-face request, obtain the agent number in the idle state in the second terminal by binding the preset interface of the first terminal and the second terminal;
  • step b the loan order number corresponding to the face sign request in the second terminal is obtained through the preset interface based on the agent number;
  • step c the face-to-face information required for the face-to-face sign is obtained, and the face-to-face information is bound to the loan order number and sent to the second terminal.
  • the remote video face-to-face function When the first terminal detects the face-to-face request, the remote video face-to-face function is activated. It can be understood that the face-to-face request can be triggered by the user corresponding to the first terminal clicking the remote video face-to-face button.
  • the preset number of the second terminal in the idle state is obtained by binding the preset interface of the first terminal and the second terminal. The number of agents in the idle state acquired by the first terminal is one or more.
  • the first terminal acquires the loan order number corresponding to the face sign request in the second terminal by using the preset interface based on the acquired agent number. It can be understood that the face sign requests the corresponding lender, and the loan order number also corresponds to the lender, and therefore, the loan order number corresponding to the face sign request needs to be obtained.
  • the worker corresponding to the first terminal communicates with the agent corresponding to the agent number through video communication to trigger information interaction between the first terminal and the second terminal. It should be noted that when the number of the agents acquired by the first terminal is multiple, the staff corresponding to the first terminal can communicate with the agent corresponding to any of the plurality of agent numbers.
  • the loan order number is bound to the obtained face-to-face information and sent to the second terminal.
  • Step S20 When the second terminal receives the face-to-face information, obtain the identity information of the user corresponding to the face-to-face information and the contract information required in the face-to-face process.
  • the identity information of the user corresponding to the face sign information and the contract information required in the face sign process are obtained.
  • the identity information corresponding to the face sign information is the identity proof material of the main lender, the main lender spouse, the co-lender and their spouse, and the personal guarantor.
  • the contract information required during the face-to-face process includes, but is not limited to, income proof materials, collateral materials, purchase materials, face-to-face information, bank account information, and provident fund loan materials.
  • the display form of the material corresponding to the identity information and the contract information acquired by the second terminal includes but is not limited to PDF (Portable Document Format, portable document format) and bmp (Bitmap, image file format).
  • Step S30 the agent of the second terminal is prompted to review the identity information and the contract information to obtain an audit result.
  • Step S40 Send the audit result and the pre-stored loan application form to the first terminal.
  • the second terminal When the identity information and the contract information are obtained, the second terminal outputs a prompt message, prompting the agent to review the identity information and the contract information to obtain the audit result.
  • the agent who reviews the identity information and the contract information may be an agent corresponding to the agent number obtained by the first terminal, or may be another agent.
  • the prompt information includes but is not limited to voice prompt information, text prompt information, and indicator light prompt information.
  • the second terminal After obtaining the audit result, the second terminal acquires the pre-stored loan application form, and sends the audit result and the loan application form to the first terminal.
  • the loan application form sent by the second terminal to the first terminal may be a loan application form that has filled in relevant information, such as the name, ID card number, contact telephone number, etc. of the loan applicant, the first terminal
  • the staff corresponding to the first terminal prompts the lender to sign in the corresponding area of the loan application form;
  • the loan application form sent by the second terminal to the first terminal may also be unfilled.
  • the loan application form of the information after receiving the loan application form, the first terminal fills in the relevant information by the corresponding staff member of the first terminal, or the lender, and the lender signs the corresponding area of the loan application form.
  • the second terminal sends a loan application form to the first terminal.
  • step S40 includes:
  • Step d the second terminal sends a pre-stored loan application form to the first terminal
  • Step e when the first terminal receives the loan application form, obtain a signature picture when the lender signs in the loan application form, and send the signature picture to the second terminal;
  • Step f The second terminal receives and stores the signature picture, and sends the audit result to the first terminal.
  • the second terminal acquires the pre-stored loan application form, and sends the obtained loan application form to the first terminal.
  • the loan application form is printed out, and the prompt information is outputted to prompt the corresponding staff to supervise the lender to sign in the designated area of the loan application form.
  • the first terminal obtains the signature picture of the lender when signing the loan application form.
  • the first terminal can obtain a signature picture through a built-in camera or a camera connected thereto, or upload a signature picture to the first terminal through a corresponding staff member or a lender.
  • the first terminal sends the signature picture to the second terminal.
  • the second terminal receives the signature picture
  • the signature picture is stored, and the obtained audit result is sent to the first terminal.
  • Step S50 The first terminal completes the face-to-face process according to the received loan application form and the audit result.
  • the face-to-face process is completed according to the audit result and the loan application form.
  • the information exchanged between the first terminal and the second terminal is encrypted, that is, the face-to-face information, the identity information, the contract information, and the loan application form are all encrypted.
  • the encryption algorithm can be DES (Data Encryption Standard, symmetric algorithm), 3DES (Triple DES, DES-based symmetric algorithm), IDEA (International Data) Encryption Algorithm, international data encryption algorithm), and asymmetric encryption algorithm RSA.
  • the asymmetric encryption algorithm is preferably selected to encrypt the information exchanged between the first terminal and the second terminal.
  • the information that needs to be sent to the second terminal may be encrypted by the first terminal by using the public key, and the second terminal decrypts the information sent by the first terminal by using the private key corresponding to the public key.
  • the second terminal may send the pre-stored loan application form to the first terminal when the identity information and the contract information are true information, that is, when the audit result is approved.
  • the second terminal does not send the pre-stored loan application form to the first terminal.
  • the first terminal when the first terminal detects the face-to-face request, the face-to-face information required for the face-to-face sign is obtained, and the face-to-face information is sent to the second terminal that is bound to the first terminal by using the preset interface. And acquiring, by the second terminal, the identity information of the user corresponding to the face-to-face information and the contract information required in the face-to-face signing process; prompting the agent of the second terminal to review the identity information and the contract And the information is sent to the first terminal; the first terminal completes the face-to-face process according to the received loan application form and the audit result.
  • the system corresponding to the terminals involved in the face-to-face process is connected, and the user only needs to carry the information required for the face-to-face to a designated terminal, and the face-to-face sign can be completed, thereby improving the face-to-face efficiency.
  • step S20 includes:
  • Step S21 When the second terminal receives the face-to-face information, obtain the identity information of the user corresponding to the face-to-face information by using video communication with the first terminal.
  • the identity information of the user corresponding to the face-to-face information is obtained through video communication with the first terminal.
  • the identity information of the user corresponding to the face-to-face information may be scanned and uploaded to the first terminal by a staff corresponding to the first terminal.
  • the first terminal sends the acquired identity information to the second terminal by using video communication based on the preset interface.
  • the first terminal may send the acquired identity information to a specific image system, and the identity information is stored by the image system.
  • the second terminal needs identity information, it can be obtained in the image system.
  • the first terminal may send a notification message to the second terminal after the identity information is uploaded to the image system, to prompt the second terminal to successfully upload the identity information to the second terminal.
  • the imaging system In the imaging system.
  • Step S22 the face sign information and the identity information are sent to the public security system, for the public security system to verify the face sign information and the identity information, and return a verification result.
  • the face sign information and the identity information are sent to the public security system for the public security system to verify the authenticity of the face sign information and the identity information.
  • the public security system completes the verification of the authenticity of the face sign information and the identity information, the verification result is returned to the second terminal.
  • the public security system may send the corresponding identity data stored in the database to the second terminal.
  • the second terminal receives the identity data sent by the public security system, the received identity data is compared with the face-to-face information and the identity information to verify the authenticity of the face-to-face information and the identity information.
  • Step S23 after determining that the face-to-face information and the identity information are verified according to the verification result, sending a prompt message to the first terminal.
  • the second terminal When the second terminal receives the verification result, the authenticity of the face sign information and the identity information is determined according to the verification result. After the second terminal determines, according to the verification result, that the face sign information and the identity information are verified, that is, the face sign information and the identity information are authentic, the prompt message is sent to the first terminal.
  • the public security system may add the face-to-face information and the identification information of the identity information to the verification result, and the second terminal may determine whether the face-to-face information and the identity information pass the identification information in the verification result. check.
  • the identifier 1 is added to the check result; when the face sign information and the identity information fail the verification, that is, the face sign information and the identity information are false , add the identifier 0 to the verification result.
  • Step S24 the first terminal sends the contract information required in the face-to-face signing process to the second terminal according to the prompt message;
  • Step S25 the second terminal receives the contract information.
  • the first terminal After receiving the prompt message, the first terminal sends the contract information in the face-to-face process to the second terminal according to the prompt message.
  • the manner in which the first terminal sends the contract information is similar to the manner in which the identity information is sent, and details are not described herein again.
  • the second terminal receives the contract information sent by the first terminal.
  • loan face-to-face method further includes:
  • Step g when the first terminal and/or the second terminal receive an adjustment instruction for adjusting video quality and/or resolution, adjusting the video quality and/or resolution according to the adjustment instruction.
  • the video quality and/or the resolution are adjusted according to the adjustment instruction.
  • the second terminal receives an adjustment command to adjust the video quality and/or resolution, the video quality and/or resolution is adjusted according to the adjustment instruction.
  • the resolution required by each process node in the process of the first terminal and the second terminal is set in advance.
  • the resolution required by a certain process node is high, the smoothness of video communication between the first terminal and the second terminal is reduced; when a process node has higher requirements for fluency, the first terminal and the first terminal are lowered.
  • the resolution of the second terminal video communication is set in advance.
  • the video process may be voiced and recorded to obtain corresponding audio and video, and the obtained audio and video may be stored.
  • the stored audio and video may be identified by a loan order number and/or date, and the like.
  • the face sign information and the identity information are sent to the public security system, so that the public security system can verify the authenticity of the face sign information and the identity information, improve the security in the loan face sign process, and reduce the risk of the financial institution providing the loan.
  • the above-mentioned storage medium may be a read only memory, a magnetic disk or an optical disk or the like.
  • the invention further provides a loan face signing system.
  • FIG. 3 is a schematic diagram of functional modules of a preferred embodiment of the loan face signing system of the present invention.
  • the loan face-to-face system 100 of the present application includes the first terminal 10 and the second terminal 20.
  • the system in which the first terminal 10 is located is the system where the real estate exchange is located.
  • the system of the real estate exchange is referred to as In the housing exchange system
  • the second terminal 20 is a system in which a financial institution providing loans is located, and can be understood as a system in which the face-to-face platform is located.
  • the home exchange system and the face-to-face platform can be executed by the server in addition to the terminal, and can also be executed by the terminal and the server.
  • the terminals mentioned in the embodiments of the present invention include, but are not limited to, a PC, a mobile phone, a tablet, and the like.
  • the loan face sign system 100 includes a first terminal 10 and a second terminal 20.
  • the first terminal 10 is configured to acquire the face-to-face information required during the face-to-face signing process, and send the face-to-face information to the second terminal that is bound to the first terminal 10 through the preset interface.
  • the first terminal 10 detects the face-to-face request, the information about the face-to-face information required for the face-to-face signing process is obtained, and the obtained face-to-face information is sent to the second terminal 20 that is bound to the first terminal 10 through the preset interface.
  • the face-to-face information includes, but is not limited to, the name, age, and ID number of the main lender, co-loan, spouse of the main lender, and spouse of the co-loan.
  • the face sign request can be triggered by the corresponding staff of the first terminal 10.
  • the first interface is bound by the preset interface. Terminal 10 and second terminal 20.
  • the jump of the process node between the first terminal 10 and the second terminal 20 is closely related to the preset interface.
  • the default interface is B2BI ((Business To Business Integration) interface.
  • B2BI (Business To Business Integration) interface.
  • the preset interface is a virtual interface, and the parameter corresponding to the preset interface is set to a constant, so that when the preset interface parameter name is modified, the parameter constant defined by the constant class can be directly modified to reduce the workload.
  • the corresponding staff of the first terminal 10 should first check whether the information provided by the lender is complete. If the information carried by the lender is not complete, the corresponding information should be input in the first terminal 10, so that the face-to-face information subsequently acquired by the first terminal 10 is complete face-to-face information.
  • the first terminal 10 is further configured to acquire, by using the preset interface of the first terminal and the second terminal, that the second terminal 20 is idle when the face-to-face request is detected.
  • the agent number of the state is obtained, and the loan order number corresponding to the face-to-face request in the second terminal 20 is obtained through the preset interface; the face-to-face information required in the face-to-face sign process is obtained, and the face-to-face sign is obtained.
  • the information is bound to the loan order number and sent to the second terminal 20.
  • the remote video face sign function is activated. It can be understood that the face-to-face request can be triggered by the user corresponding to the first terminal 10 clicking the remote video face-to-face button.
  • the agent number in the idle state of the second terminal 20 is obtained by binding the preset interfaces of the first terminal 10 and the second terminal 20. The number of agents in the idle state acquired by the first terminal 10 is one or more.
  • the first terminal 10 acquires the loan order number corresponding to the face-to-face request in the second terminal 20 through the preset interface based on the acquired agent number. It can be understood that the face sign requests the corresponding lender, and the loan order number also corresponds to the lender, and therefore, the loan order number corresponding to the face sign request needs to be obtained.
  • the worker corresponding to the first terminal 10 communicates with the agent corresponding to the agent number through video communication to trigger information interaction between the first terminal 10 and the second terminal 20. It should be noted that when the number of agents acquired by the first terminal 10 is multiple, the worker corresponding to the first terminal 10 can communicate with the agent corresponding to any of the plurality of agent numbers.
  • the loan order number is bound to the acquired face-to-face information and sent to the second terminal 20.
  • the second terminal 20 is configured to acquire identity information of the user corresponding to the face-to-face information and contract information required in the face-to-face process when the face-to-face information is received.
  • the identity information of the user corresponding to the face sign information and the contract information required in the face sign process are acquired.
  • the identity information corresponding to the face sign information is the identity proof material of the main lender, the main lender spouse, the co-lender and their spouse, and the personal guarantor.
  • the contract information required during the face-to-face process includes, but is not limited to, income proof materials, collateral materials, purchase materials, face-to-face information, bank account information, and provident fund loan materials.
  • the display form of the material corresponding to the identity information and the contract information acquired by the second terminal 20 includes but is not limited to PDF (Portable) Document Format, portable document format) and bmp (Bitmap, image file format).
  • the second terminal 20 is further configured to prompt the agent of the second terminal 20 to review the identity information and the contract information to obtain an audit result; and send the audit result and the pre-stored loan application form to the first terminal.
  • the second terminal 20 When the identity information and the contract information are obtained, the second terminal 20 outputs the prompt information, prompting the agent to review the identity information and the contract information to obtain the audit result.
  • the agent who reviews the identity information and the contract information may be the agent corresponding to the agent number acquired by the first terminal 10, or may be another agent.
  • the prompt information includes but is not limited to voice prompt information, text prompt information, and indicator light prompt information.
  • the second terminal 20 obtains the pre-stored loan application form, and sends the audit result and the loan application form to the first terminal 10.
  • the loan application form sent by the second terminal 20 to the first terminal 10 may be a loan application form that has filled in relevant information, such as the name, ID card number, and contact number of the loan applicant.
  • the staff corresponding to the first terminal 10 prompts the lender to sign the corresponding area of the loan application form; the second terminal 20 sends the loan application form to the first terminal 10. It may also be a loan application form that does not fill in relevant information.
  • the first terminal 10 may fill in relevant information by the corresponding staff of the first terminal 10 or the lender, and the lender is in the loan application form. Sign the corresponding area.
  • the second terminal 20 sends a loan application form to the first terminal 10 regardless of the audit result of the agent review identity information and the contract information.
  • the second terminal 20 is further configured to send a pre-stored loan application form to the first terminal 10;
  • the first terminal 10 is further configured to: when receiving the loan application form, obtain a signature picture when the lender signs in the loan application form, and send the signature picture to the second terminal 20;
  • the first terminal 10 is further configured to receive and store the signature picture, and send the audit result to the first terminal 10.
  • the second terminal 20 acquires the loan application form stored in advance, and sends the obtained loan application form to the first terminal 10.
  • the loan application form is printed out, and the prompt information is outputted to prompt the corresponding staff to supervise the lender to sign in the designated area of the loan application form.
  • the first terminal 10 obtains a signature picture when the lender signs the loan application form.
  • the first terminal 10 can obtain a signature picture through a built-in camera or a camera connected thereto, and can also upload a signature picture to the first terminal 10 through a corresponding staff member or a lender.
  • the first terminal 10 transmits the signature picture to the second terminal 20.
  • the second terminal 20 receives the signature picture, the signature picture is stored, and the obtained audit result is sent to the first terminal 10.
  • the first terminal 10 is further configured to complete the face-to-face process according to the received loan application form and the audit result.
  • the face-to-face process is completed according to the audit result and the loan application form.
  • the information exchanged between the first terminal 10 and the second terminal 20 is encrypted, that is, the face sign information, the identity information, the contract information, and the loan application form are all encrypted.
  • the encryption algorithm can be DES (Data Encryption Standard, symmetric algorithm), 3DES (Triple DES, DES-based symmetric algorithm), IDEA (International Data) Encryption Algorithm, international data encryption algorithm), and asymmetric encryption algorithm RSA.
  • the asymmetric encryption algorithm is preferably selected to encrypt the information exchanged between the first terminal 10 and the second terminal 20. If the information that needs to be sent to the second terminal 20 can be encrypted by the first terminal 10 using the public key, the second terminal 20 decrypts the information sent by the first terminal 10 by using the private key corresponding to the public key.
  • the second terminal 20 may send the pre-stored loan application form to the first terminal 10 when the identity information and the contract information are true information, that is, when the audit result is the approval.
  • the identity information and/or the contract information has false information, that is, when the audit result is that the audit fails, the second terminal 20 does not send the pre-stored loan application form to the first terminal 10.
  • the first terminal 10 When the first terminal 10 detects the face-to-face request, the first terminal 10 obtains the face-to-face information required for the face-to-face signing process, and sends the face-to-face information to the second terminal 20, wherein the first terminal 10 passes the preset.
  • the interface is bound to the second terminal 20; when the second terminal 20 receives the face-to-face information, acquires identity information of the user corresponding to the face-to-face information and contract information required during the face-to-face signing process;
  • the agent of the second terminal 20 reviews the identity information and the contract information to obtain an audit result; sends the audit result and the pre-stored loan application form to the first terminal 10; the first terminal 10 according to the received loan The application form and the review result complete the face-to-face process.
  • the system corresponding to the terminals involved in the face-to-face process is connected, and the user only needs to carry the information required for the face-to-face to a designated terminal, and the face-to-face sign can be completed, thereby improving the face-to-face efficiency.
  • the difference between the second embodiment of the loan face-to-face system 100 and the first embodiment of the loan face-signing system 100 is that the second terminal 20 is further configured to pass the first terminal when receiving the face-to-face information.
  • the video communication between the 10 obtains the identity information of the user corresponding to the face sign information.
  • the identity information of the user corresponding to the face-to-face information is obtained through video communication with the first terminal 10. Specifically, the identity information corresponding to the user of the face-to-face information can be scanned and uploaded to the first terminal 10 by the staff corresponding to the first terminal 10. The first terminal 10 transmits the acquired identity information to the second terminal 20 through video communication based on the preset interface.
  • the first terminal 10 can send the acquired identity information to a specific image system, and the identity information is stored by the image system.
  • the second terminal 20 needs the identity information, it can be acquired in the image system.
  • the first terminal 10 may send a notification message to the second terminal 20 after the identity information is uploaded to the image system, to prompt the second terminal 20 that the second terminal 20 has successfully The identity information is uploaded to the imaging system.
  • the second terminal 20 is further configured to send the face sign information and the identity information to the public security system, for the public security system to verify the face sign information and the identity information, and return a verification result.
  • the face sign information and the identity information are sent to the public security system for the public security system to verify the authenticity of the face sign information and the identity information.
  • the public security system completes the verification of the authenticity of the face sign information and the identity information, the verification result is returned to the second terminal 20.
  • the public security system may send the corresponding identity data stored in the database to the second terminal 20.
  • the second terminal 20 receives the identity data sent by the public security system, the received identity data and the face-to-face information, and the identity information are compared to verify the authenticity of the face-to-face information and the identity information.
  • the second terminal 20 is further configured to send a prompt message to the first terminal 10 after determining that the face sign information and the identity information are verified according to the verification result.
  • the second terminal 20 When the second terminal 20 receives the verification result, the authenticity of the face sign information and the identity information is determined according to the verification result. After the second terminal 20 determines that the face-to-face information and the identity information are verified according to the verification result, that is, the face-to-face information and the identity information are true, the prompt message is sent to the first terminal 10.
  • the public security system may add the face-to-face information and the identification information of the identity information to the verification result, and the second terminal 20 may determine whether the face-to-face information and the identity information are determined by the identification information in the verification result. Pass the verification.
  • the identifier 1 is added to the check result; when the face sign information and the identity information fail the verification, that is, the face sign information and the identity information are false , add the identifier 0 to the verification result.
  • the first terminal 10 is further configured to send the contract information required in the face-to-face signing process to the second terminal 20 according to the prompt message;
  • the second terminal 20 is further configured to receive the contract information.
  • the first terminal 10 After receiving the prompt message, the first terminal 10 sends the contract information in the face-to-face process to the second terminal 20 according to the prompt message.
  • the manner in which the first terminal 10 sends the contract information is similar to the manner in which the identity information is sent, and details are not described herein again.
  • the second terminal 20 receives the contract information transmitted by the first terminal 10.
  • the first terminal 10 is further configured to: when receiving an adjustment instruction for adjusting video quality and/or resolution, adjust the video quality and/or resolution according to the adjustment instruction;
  • the second terminal 20 is further configured to adjust the video quality and/or resolution according to the adjustment instruction when receiving an adjustment instruction for adjusting video quality and/or resolution.
  • the video quality and/or resolution is adjusted according to the adjustment instruction.
  • the second terminal 20 receives an adjustment command to adjust the video quality and/or resolution, the video quality and/or resolution is adjusted according to the adjustment command.
  • the resolution of the video communication between the first terminal 10 and the second terminal 20 is made to meet the requirements.
  • the resolution required by each process node in the face-to-face process of the first terminal 10 and the second terminal 20 is preset.
  • the resolution required by a certain process node is high, the fluency of video communication between the first terminal 10 and the second terminal 20 is reduced; when a process node has higher requirements for fluency, the first terminal is lowered. 10 and the resolution of the second terminal 20 for video communication.
  • the video process can be voiced and recorded to obtain corresponding audio and video, and the obtained audio and video can be stored.
  • the stored audio and video may be identified by a loan order number and/or date, and the like.
  • the face sign information and the identity information are sent to the public security system, so that the public security system can verify the authenticity of the face sign information and the identity information, improve the security in the loan face sign process, and reduce the risk of the financial institution providing the loan.
  • FIG. 4 is a schematic structural diagram of a device in a hardware operating environment according to an embodiment of the present invention.
  • FIG. 4 may be a schematic diagram of a terminal structure of a hardware operating environment of the first terminal, or a terminal structure diagram of a hardware operating environment of the second terminal. It can be understood that the processor 1001, the network interface 1004, the user interface 1003, the memory 1005, and the communication bus 1002 in FIG. 4 may exist in the first terminal or may exist in the second terminal.
  • the first terminal and the second terminal may be a PC, or may be a smart phone, a tablet computer, an e-book reader, and an MP3 (Moving). Picture Experts Group Audio Layer III, motion picture expert compresses standard audio layer 3) player, MP4 (Moving Picture Experts Group Audio Layer IV, dynamic video experts compress standard audio layers 4) portable terminals such as players and portable computers.
  • MP3 Motion Picture Experts Group Audio Layer III, motion picture expert compresses standard audio layer 3
  • MP4 Moving Picture Experts Group Audio Layer IV, dynamic video experts compress standard audio layers 4
  • portable terminals such as players and portable computers.
  • the first terminal and the second terminal may include a processor 1001, such as a CPU, a network interface 1004, a user interface 1003, a memory 1005, and a communication bus 1002.
  • the communication bus 1002 is used to implement connection communication between these components.
  • the user interface 1003 may include a display, an input unit such as a keyboard, and the optional user interface 1003 may also include a standard wired interface (which can be used to connect a wired keyboard, a wired mouse, etc.), a wireless interface (can be used to connect wirelessly) Keyboard, wireless mouse, etc.).
  • the network interface 1004 can optionally include a standard wired interface (which can be used to connect to a wired network, a modem, etc.), a wireless interface (such as a WI-FI interface, a Bluetooth interface, an infrared interface, etc. for wireless data transmission).
  • the memory 1005 may be a high speed RAM memory or a stable memory (non-volatile) Memory), such as disk storage.
  • the first terminal and the second terminal may further include a camera, RF (Radio) Frequency, RF) circuits, sensors, audio circuits, WiFi modules, and more.
  • RF Radio
  • RF Radio Frequency
  • terminal structure shown in FIG. 1 does not constitute a limitation to the terminal, and may include more or less components than those illustrated, or a combination of certain components, or different component arrangements.
  • a memory 1005 as a computer storage medium may include an operating system, a network communication module, a user interface module, and a loan visa program.
  • the operating system is a program for managing and controlling hardware and software resources in the first terminal and the second terminal, and supports the operation of the loan face-to-face program and other software and/or programs.
  • the network interface 1004 is mainly used to connect another terminal and perform data communication with another terminal.
  • the network interface 1004 is mainly used for connecting.
  • the second terminal performs data communication with the second terminal.
  • the network interface 1004 belongs to the second terminal, the network interface 1004 is mainly used to connect to the first terminal and perform data communication with the first terminal.
  • the user interface 1003 is mainly used for receiving. And detecting various operational commands, such as detecting face-to-face requests.
  • the processor 1001 When the processor 1001 is the processor of the first terminal, the processor 1001 may be configured to invoke the loan visa calling program stored in the memory 1005, and perform the following steps:
  • the face-to-face information required for the face-to-face sign is obtained, and the face-to-face information is sent to the second terminal that is bound to the first terminal by using the preset interface, for the second terminal.
  • processor 1001 is further configured to invoke a loan coupon program stored in the memory 1005 to perform the following steps:
  • processor 1001 is further configured to invoke a loan coupon program stored in the memory 1005 to perform the following steps:
  • the video quality and/or resolution is adjusted correspondingly according to the adjustment instruction.
  • processor 1001 is further configured to invoke a loan coupon program stored in the memory 1005 to perform the following steps:
  • the second terminal receives and stores the signature picture, and returns the audit result.
  • the step of acquiring the face sign information required in the face sign process, and sending the face sign information to the second terminal bound to the first terminal through the preset interface includes: :
  • the agent number in the idle state of the second terminal is obtained by binding the preset interface of the first terminal and the second terminal;
  • the specific implementation manners of the first terminal of the present invention are basically the same as the foregoing embodiments of the loan face-to-face method and system, and are not described herein again.
  • the processor 1001 When the processor 1001 is the processor of the second terminal, the processor 1001 may be configured to invoke the loan visa calling program stored in the memory 1005, and perform the following steps:
  • the step of acquiring the identity information of the user corresponding to the face-to-face information and the contract information required in the face-to-face signing process when the face-to-face information is received includes:
  • processor 1001 is further configured to invoke a loan coupon program stored in the memory 1005 to perform the following steps:
  • the video quality and/or resolution is adjusted correspondingly according to the adjustment instruction.
  • step of sending the audit result and the pre-stored loan application form to the first terminal includes:
  • the specific embodiment of the second terminal of the present invention is basically the same as the foregoing embodiment of the loan face-to-face method and system, and details are not described herein again.
  • the present invention also provides a computer readable storage medium, the computer readable storage medium being applied to a first terminal, the computer readable storage medium storing one or more programs, the one or more programs being Or multiple processors execute to implement the following steps:
  • the face-to-face information required for the face-to-face sign is obtained, and the face-to-face information is sent to the second terminal that is bound to the first terminal by using the preset interface, for the second terminal.
  • computer readable storage medium is further configured to implement the following steps:
  • computer readable storage medium is further configured to implement the following steps:
  • the video quality and/or resolution is adjusted correspondingly according to the adjustment instruction.
  • computer readable storage medium is further configured to implement the following steps:
  • the second terminal receives and stores the signature picture, and returns the audit result.
  • the step of acquiring the face sign information required in the face sign process, and sending the face sign information to the second terminal bound to the first terminal through the preset interface includes: :
  • the agent number in the idle state of the second terminal is obtained by binding the preset interface of the first terminal and the second terminal;
  • the embodiment of the computer readable storage medium of the embodiment is basically the same as the embodiment of the loan face-to-face method and system, and details are not described herein again.
  • the present invention also provides a computer readable storage medium, the computer readable storage medium being applied to a second terminal, the computer readable storage medium storing one or more programs, the one or more programs being Or multiple processors execute to implement the following steps:
  • the step of acquiring the identity information of the user corresponding to the face-to-face information and the contract information required in the face-to-face signing process when the face-to-face information is received includes:
  • computer readable storage medium is further configured to implement the following steps:
  • the video quality and/or resolution is adjusted correspondingly according to the adjustment instruction.
  • step of sending the audit result and the pre-stored loan application form to the first terminal includes:
  • the embodiment of the computer readable storage medium of the embodiment is basically the same as the embodiment of the loan face-to-face method and system, and details are not described herein again.
  • the foregoing embodiment method can be implemented by means of software plus a necessary general hardware platform, and of course, can also be through hardware, but in many cases, the former is better.
  • Implementation Based on such understanding, the technical solution of the present invention, which is essential or contributes to the prior art, may be embodied in the form of a software product stored in a storage medium (such as ROM/RAM, disk,
  • the optical disc includes a number of instructions for causing a terminal device (which may be a cell phone, a computer, a server, an air conditioner, or a network device, etc.) to perform the methods described in various embodiments of the present invention.

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Engineering & Computer Science (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Strategic Management (AREA)
  • Technology Law (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

本发明公开了一种贷款面签方法、系统、终端及计算机可读存储介质，该方法包括步骤：当第一终端侦测到面签请求时，获取面签过程中所需的面签信息，并将面签信息发送给通过预设接口与第一终端绑定的第二终端；当第二终端接收到面签信息时，获取与面签信息对应用户的身份信息以及面签过程中所需的合同信息；提示第二终端的坐席审核身份信息和合同信息，以得到审核结果；将审核结果和预存的贷款申请表发送给第一终端；第一终端根据所接收的贷款申请表和审核结果完成面签流程。本发明实现了将面签过程中的所涉及终端对应的系统连接起来，只需用户携带面签所需资料到一个指定终端中，就可以完成面签，提高了面签效率。

Description

贷款面签方法、系统、终端及计算机可读存储介质
本申请要求于2017年3月13日提交中国专利局、申请号为201710149824.9、发明名称为“贷款面签方法和系统”的中国专利申请的优先权，其全部内容通过引用结合在申请中。
技术领域
本发明涉及金融技术领域，尤其涉及一种贷款面签方法、系统、终端及计算机可读存储介质。
背景技术
在向金融机构借贷时，贷款人需要和金融机构进行面签。面签是指贷款人（连同共同还款人或担保人）携带合法有效证件原件、手章及贷款所需费用；到贷款银行交纳贷款所需费用并进行面谈及签字的手续。面签是向银行申请贷款必须的手续。
在现有的面签过程中，需要用户携带面签资料到各个相关机构的门店办理相应业务。如，用户在办理房贷过程中，可能需要去贷款银行、房地产商所在地以及房产交易所等地办理相应业务。导致面签时间过长，效率低下。
发明内容
本发明的主要目的在于提供一种贷款面签方法、系统、终端及计算机可读存储介质，旨在解决现有的面签效率低下的技术问题。
为实现上述目的，本发明提供一种贷款面签方法，所述贷款面签方法包括步骤：
当第一终端侦测到面签请求时，获取面签过程中所需的面签信息，并将所述面签信息发送给通过预设接口与所述第一终端绑定的第二终端；
当所述第二终端接收到所述面签信息时，获取与所述面签信息对应用户的身份信息以及面签过程中所需的合同信息；
提示所述第二终端的坐席审核所述身份信息和合同信息，以得到审核结果；
将所述审核结果和预存的贷款申请表发送给所述第一终端；
第一终端根据所接收的所述贷款申请表和所述审核结果完成面签流程。
此外，为实现上述目的，本发明还提供一种贷款面签系统，所述贷款面签系统包括第一终端和第二终端；
所述第一终端用于当侦测到面签请求时，获取面签过程中所需的面签信息，并将所述面签信息发送给通过预设接口与所述第一终端绑定的第二终端；
所述第二终端用于当接收到所述面签信息时，获取与所述面签信息对应用户的身份信息以及面签过程中所需的合同信息；提示所述第二终端的坐席审核所述身份信息和合同信息，以得到审核结果；将所述审核结果和预存的贷款申请表发送给所述第一终端；
所述第一终端还用于根据所接收的所述贷款申请表和所述审核结果完成面签流程。
此外，为实现上述目的，本发明还提供一种第一终端，所述第一终端包括处理器、网络接口、存储器及通信总线；
所述通信总线用于实现处理器、网络接口及存储器之间的连接通信；
所述网络接口用于连接第二终端，与所述第二终端进行数据通信；
所述处理器用于调用存储器中存储的贷款面签程序，以执行以下步骤：
当侦测到面签请求时，获取面签过程中所需的面签信息，并将所述面签信息发送给通过预设接口与所述第一终端绑定的第二终端，以供所述第二终端接收所述面签信息，获取与所述面签信息对应用户的身份信息以及面签过程中所需的合同信息；并提示所述第二终端的坐席审核所述身份信息和合同信息，以得到审核结果；将所述审核结果和预存的贷款申请表发送给所述第一终端；
接收所述第二终端发送的贷款申请表和审核结果，根据所接收的所述贷款申请表和所述审核结果完成面签流程。
此外，为实现上述目的，本发明还提供一种第二终端，所述第二终端包括处理器、网络接口、存储器及通信总线；
所述通信总线用于实现处理器、网络接口及存储器之间的连接通信；
所述网络接口用于连接第一终端，与所述第一终端进行数据通信；
所述处理器用于调用存储器中存储的贷款面签程序，以执行以下步骤：
当接收到所述第一终端通过预设接口发送的所述面签信息时，获取与所述面签信息对应用户的身份信息以及面签过程中所需的合同信息；
提示所述第二终端的坐席审核所述身份信息和合同信息，以得到审核结果；
将所述审核结果和预存的贷款申请表发送给所述第一终端，以供所述第一终端根据所接收的所述贷款申请表和所述审核结果完成面签流程。
此外，为实现上述目的，本发明还提供一种计算机可读存储介质，所述计算机可读存储介质应用于第一终端，所述计算机可读存储介质存储有一个或者多个程序，所述一个或者多个程序可被一个或者多个处理器执行，以实现以下步骤：
当侦测到面签请求时，获取面签过程中所需的面签信息，并将所述面签信息发送给通过预设接口与所述第一终端绑定的第二终端，以供所述第二终端接收所述面签信息，获取与所述面签信息对应用户的身份信息以及面签过程中所需的合同信息；并提示所述第二终端的坐席审核所述身份信息和合同信息，以得到审核结果；将所述审核结果和预存的贷款申请表发送给所述第一终端；
接收所述第二终端发送的贷款申请表和审核结果，根据所接收的所述贷款申请表和所述审核结果完成面签流程。
此外，为实现上述目的，本发明还提供一种计算机可读存储介质，所述计算机可读存储介质应用于第二终端，所述计算机可读存储介质存储有一个或者多个程序，所述一个或者多个程序可被一个或者多个处理器执行，以实现以下步骤：
当接收到所述第一终端通过预设接口发送的所述面签信息时，获取与所述面签信息对应用户的身份信息以及面签过程中所需的合同信息；
提示所述第二终端的坐席审核所述身份信息和合同信息，以得到审核结果；
将所述审核结果和预存的贷款申请表发送给所述第一终端，以供所述第一终端根据所接收的所述贷款申请表和所述审核结果完成面签流程。
本发明通过当第一终端侦测到面签请求时，获取面签过程中所需的面签信息，并将所述面签信息发送给通过预设接口与所述第一终端绑定的第二终端；当所述第二终端接收到所述面签信息时，获取与所述面签信息对应用户的身份信息以及面签过程中所需的合同信息；提示所述第二终端的坐席审核所述身份信息和合同信息，以得到审核结果；将所述审核结果和预存的贷款申请表发送给所述第一终端；第一终端根据所接收的所述贷款申请表和所述审核结果完成面签流程。实现了将面签过程中的所涉及终端对应的系统连接起来，只需用户携带面签所需资料到一个指定终端中，就可以完成面签，提高了面签效率。
附图说明
图1为本发明贷款面签方法第一实施例的流程示意图；
图2为本发明实施例中当所述第二终端接收到所述面签信息时，获取与所述面签信息对应用户的身份信息以及面签过程中所需的合同信息的一种流程示意图；
图3为本发明贷款面签系统较佳实施例的功能模块示意图；
图4是本发明实施例方案涉及的硬件运行环境的设备结构示意图。
本发明目的的实现、功能特点及优点将结合实施例，参照附图做进一步说明。
具体实施方式
应当理解，此处所描述的具体实施例仅仅用以解释本发明，并不用于限定本发明。
本发明提供一种贷款面签方法。
参照图1，图1为本发明贷款面签方法第一实施例的流程示意图。
在本实施例中，提供了贷款面签方法的实施例，需要说明的是，虽然在流程图中示出了逻辑顺序，但是在某些情况下，可以以不同于此处的顺序执行所示出或描述的步骤。
本申请的贷款面签方法应用于第一终端和第二终端，需要说明的是，第一终端所在系统为房产交易所所在系统，在本发明实施例中，房产交易所所在系统简称为房交所系统，第二终端为提供贷款的金融机构所在系统，可以理解为面签平台所在系统。可以理解的是，房交所系统和面签平台除了可以由终端来执行之外，也可以由服务器来执行，还可以由终端和服务器共同来执行。在本发明实施例中所提及的终端包括但不限于PC、手机、以及平板电脑等。
所述贷款面签方法包括：
步骤S10，当第一终端侦测到面签请求时，获取面签过程中所需的面签信息，并将所述面签信息发送给通过预设接口与所述第一终端绑定的第二终端。
当第一终端侦测到面签请求时，获取面签过程中所需的面签信息，并将所获取的面签信息发送给通过预设接口与第一终端绑定的第二终端。面签信息包括但不限于主贷款人、共同贷款人、主贷款人配偶、以及共同贷款人配偶等的姓名、年龄和身份证号码等。面签请求可由第一终端对应的工作人员触发。
需要说明的是，为了保证面签平台的工作流程和房交所系统的工作流程一致，即为了保证第一终端的工作流程和第二终端的工作流程一致，通过预设接口绑定第一终端和第二终端。第一终端和第二终端之间流程节点的跳转和预设接口有紧密关系。当流程节点与第一终端和第二终端之间约定的节点一致时，表明第一终端和第二终端之间的流程是同步；当流程节点与第一终端和第二终端之间约定的节点不一致时，表明第一终端和第二终端之间的流程未同步。在本实施例中，预设接口为B2BI（(Business to Business integration）接口。可以理解的是，预设接口为虚拟接口，预设接口对应的参数设置为常量，以使在修改预设接口参数名时，可直接修改常量类定义的参数常量，降低工作量。
进一步地，在第一终端对应的工作人员触发面签请求之前，第一终端对应的工作人员应先检查贷款人所带资料是否齐全。若贷款人所带资料不齐全，则应在第一终端中输入相应的信息，以使第一终端后续获取的面签信息为完整的面签信息。
进一步地，所述步骤S10包括：
步骤a，当所述第一终端侦测到所述面签请求时，通过绑定所述第一终端和所述第二终端的预设接口获取所述第二终端中处于空闲状态的坐席号；
步骤b，基于所述坐席号，通过所述预设接口获取所述第二终端中与所述面签请求对应的贷款订单号；
步骤c，获取面签过程中所需的面签信息，将所述面签信息与所述贷款订单号绑定发送给所述第二终端。
当第一终端侦测到面签请求时，启动远程视频面签功能。可以理解的是，面签请求可由第一终端对应的用户点击远程视频面签按钮触发。当远程视频面签功能启动后，通过绑定第一终端和第二终端的预设接口获取第二终端中处于空闲状态的坐席号。其中，第一终端所获取的处于空闲状态的坐席号为一个或者多个。
第一终端基于所获取的坐席号，通过预设接口获取第二终端中与面签请求对应的贷款订单号。可以理解的是，面签请求对应的贷款人，而贷款订单号也对应着贷款人，因此，需要获取与面签请求对应的贷款订单号。
需要说明的是，当获取到坐席号之后，第一终端对应的工作人员通过视频通信与该坐席号对应的坐席进行通信，以触发第一终端和第二终端之间的信息交互。需要说明的是，当第一终端所获取的坐席号为多个时，第一终端对应的工作人员可与多个坐席号中任一坐席号对应的坐席进行通信。
当第一终端获取到贷款订单号后，将贷款订单号与所获取的面签信息绑定，发送给第二终端。
步骤S20，当所述第二终端接收到所述面签信息时，获取与所述面签信息对应用户的身份信息以及面签过程中所需的合同信息。
当第二终端成功接收到第一终端发送的面签信息时，获取与面签信息对应用户的身份信息以及面签过程中所需的合同信息。其中，与面签信息对应用户的身份信息为主贷款人、主贷款人配偶、共同贷款人及其配偶、以及个人保证人的身份证明材料。面签过程中所需的合同信息包括但不限于收入证明材料、抵押物材料、购房材料、面谈面签材料、银行账户信息，公积金贷款材料等。第二终端所获取的身份信息和合同信息对应的材料的显示形式包括但不限于PDF（Portable Document Format，便携式文档格式）和bmp（Bitmap，图像文件格式）。
步骤S30，提示所述第二终端的坐席审核所述身份信息和合同信息，以得到审核结果。
步骤S40，将所述审核结果和预存的贷款申请表发送给所述第一终端。
当获取到身份信息和合同信息时，第二终端输出提示信息，提示坐席审核身份信息和合同信息，以得到审核结果。需要说明的是，审核身份信息和合同信息的坐席可为第一终端所获取的坐席号对应的坐席，也可为其他坐席。提示信息包括但不限于语音提示信息、文字提示信息和指示灯提示信息。
当得到审核结果后，第二终端获取预存的贷款申请表，将审核结果和贷款申请表发送给第一终端。需要说明的是，第二终端发送给第一终端的贷款申请表中可为已填写相关信息的贷款申请表，如已填写贷款申请人的姓名、身份证号码、联系电话等信息，第一终端在接收到该贷款申请表后，由第一终端对应的工作人员提示贷款人在贷款申请表的相应区域签名即可；第二终端发送给第一终端的贷款申请表中也可为未填写相关信息的贷款申请表，第一终端在接收到贷款申请表后，由第一终端对应的工作人员，或者贷款人填写相关信息，并由贷款人在贷款申请表的相应区域签名。
需要说明的是，在本实施例中，不管坐席审核身份信息和合同信息的审核结果如何，第二终端都会发送贷款申请表给第一终端。
进一步地，步骤S40包括：
步骤d，所述第二终端发送预存的贷款申请表给所述第一终端；
步骤e，当所述第一终端接收到所述贷款申请表时，获取贷款人在所述贷款申请表中签名时的签名图片，并将所述签名图片发送给所述第二终端；
步骤f，所述第二终端接收及存储所述签名图片，并将所述审核结果发送给第一终端。
进一步地，第二终端获取预先存储的贷款申请表，并将所获取的贷款申请表发送给第一终端。当第一终端接收到第二终端发送的贷款申请表时，打印输出该贷款申请表，并输出提示信息提示对应的工作人员监督贷款人在贷款申请表的指定区域签名。当贷款人在贷款申请表中签名时，第一终端获取贷款人在贷款申请表中签名时的签名图片。第一终端可通过内置的摄像头，或者与其连接的摄像头获取签名图片，也可通过对应的工作人员或者贷款人上传签名图片至第一终端中。
第一终端将签名图片发送给第二终端。当第二终端接收到签名图片时，存储该签名图片，并将所得的审核结果发送给第一终端。
步骤S50，第一终端根据所接收的所述贷款申请表和所述审核结果完成面签流程。
当第一终端接收到审核结果时，根据审核结果和贷款申请表完成面签流程。
进一步地，在面签过程中，第一终端和第二终端交互的信息都是经过加密处理的，即面签信息、身份信息、合同信息和贷款申请表等都是经过加密处理的。加密算法可为DES（Data Encryption Standard，对称算法）、3DES（Triple DES，基于DES的对称算法）、IDEA（International Data Encryption Algorithm，国际数据加密算法）、以及非对称加密算法RSA等。在本发明实施例中，优选选择非对称加密算法加密第一终端和第二终端交互的信息。如可由第一终端采用公钥对需要发送给第二终端的信息加密，第二终端采用与公钥对应的私钥解密第一终端发送的信息。
进一步地，在其它实施例中，可设置为当身份信息和合同信息都真实信息时，即审核结果为审核通过时，第二终端才将预存的贷款申请表发送给第一终端。当身份信息和/或合同信息存在虚假信息时，即审核结果为审核未通过时，第二终端不将预存的贷款申请表发送给第一终端。
本实施例通过当第一终端侦测到面签请求时，获取面签过程中所需的面签信息，并将所述面签信息发送给通过预设接口与所述第一终端绑定的第二终端；当所述第二终端接收到所述面签信息时，获取与所述面签信息对应用户的身份信息以及面签过程中所需的合同信息；提示所述第二终端的坐席审核所述身份信息和合同信息，以得到审核结果；将所述审核结果和预存的贷款申请表发送给所述第一终端；第一终端根据所接收的所述贷款申请表和所述审核结果完成面签流程。实现了将面签过程中的所涉及终端对应的系统连接起来，只需用户携带面签所需资料到一个指定终端中，就可以完成面签，提高了面签效率。
进一步地，提出本发明贷款面签方法第二实施例。
所述贷款面签方法第二实施例与所述贷款面签方法第一实施例的区别在于，参照图2，所述步骤S20包括：
步骤S21，当所述第二终端接收到所述面签信息时，通过与所述第一终端之间的视频通信获取与所述面签信息对应用户的身份信息。
当第二终端接收到第一终端发送的面签信息时，通过与第一终端之间的视频通信获取与面签信息对应用户的身份信息。具体地，可由第一终端对应的工作人员将与面签信息对应用户的身份信息扫描上传至第一终端中。第一终端基于预设接口，通过视频通信将所获取的身份信息发送给第二终端。
进一步地，第一终端可将获取的身份信息发送到特定的影像系统，由影像系统存储该身份信息。当第二终端需要身份信息时，再到影像系统中获取即可。可以理解的是，为了保证第二终端及时获取到身份信息，第一终端在将身份信息上传到影像系统后，可发送通知消息给第二终端，以提示第二终端已成功将身份信息上传至影像系统中。
步骤S22，将所述面签信息和所述身份信息发送给公安系统，以供所述公安系统校验所述面签信息和所述身份信息，并返回校验结果。
当第二终端获取到面签信息和身份信息后，将面签信息和身份信息发送给公安系统，以供公安系统校验面签信息和身份信息的真实性。当公安系统完成对面签信息和身份信息真实性的校验后，返回校验结果给第二终端。
进一步地，当第二终端将面签信息和身份信息发送给公安系统后，公安系统可将其数据库中存储对应的身份数据发送给第二终端。当第二终端接收到公安系统发送的身份数据时，将所接收的身份数据和面签信息，以及身份信息进行比较，验证面签信息和身份信息的真实性。
步骤S23，当根据所述校验结果确定所述面签信息和所述身份信息校验通过后，发送提示消息给所述第一终端。
当第二终端接收到校验结果时，根据校验结果确定面签信息和身份信息的真实性。当第二终端根据校验结果确定面签信息和身份信息校验通过后，即面签信息和身份信息为真实的，发送提示消息给第一终端。在本实施例中，公安系统可在校验结果中添加面签信息和身份信息校验通过和未通过的标识信息，第二终端可通过校验结果中的标识信息确定面签信息和身份信息是否通过校验。如当面签信息和身份信息通过校验，即面签信息和身份信息为真实时，在校验结果中添加标识1；当面签信息和身份信息未通过校验，即面签信息和身份信息为虚假时，在校验结果中添加标识0。
步骤S24，所述第一终端根据所述提示消息发送面签过程中所需的合同信息给所述第二终端；
步骤S25，所述第二终端接收所述合同信息。
当第一终端接收到提示消息后，第一终端根据提示消息发送面签过程中的合同信息给第二终端。第一终端发送合同信息的方式与发送身份信息的方式相似，在此不再赘述。
第二终端接收第一终端发送的合同信息。
进一步地，所述贷款面签方法还包括：
步骤g，当所述第一终端和/或所述第二终端接收到调节视频画质和/或分辨率的调节指令时，根据所述调节指令对应调节所述视频画质和/或分辨率。
进一步地，当第一终端接收到调节视频画质和/或分辨率的调节指令时，根据调节指令调节视频画质和/或分辨率。当第二终端接收到调节视频画质和/或分辨率的调节指令时，根据调节指令调节视频画质和/或分辨率。以使第一终端和第二终端之间视频通信的清晰度满足要求。
进一步地，预先设置第一终端和第二终端面签过程中各个流程节点所需的分辨率。当某个流程节点所需的分辨率较高时，降低第一终端和第二终端之间视频通信的流畅性；当某个流程节点对流畅性的要求较高时，降低第一终端和第二终端视频通信的分辨率。
进一步地，在第一终端的工作人员和第二终端的坐席进行视频通信过程中，可对视频过程进行语音，以及录像，得到对应的音频和视频，并存储所得的音频和视频。可以理解的是，所存储的音频和视频可通过贷款订单号和/或日期等进行标识。
本实施例通过将面签信息和身份信息发送给公安系统，让公安系统校验面签信息和身份信息的真实性，提高了贷款面签过程中的安全性，降低了提供贷款的金融机构的风险。
需要说明的是，本领域普通技术人员可以理解实现上述实施例的全部或部分步骤可以通过硬件来完成，也可以通过程序来指令相关的硬件完成，所述的程序可以存储于一种计算机可读存储介质中，上述提到的存储介质可以是只读存储器，磁盘或光盘等。
本发明进一步提供一种贷款面签系统。
参照图3，图3为本发明贷款面签系统的较佳实施例的功能模块示意图。
本申请的贷款面签系统100包括第一终端10和第二终端20，需要说明的是，第一终端10所在系统为房产交易所所在系统，在本发明实施例中，房产交易所所在系统简称为房交所系统，第二终端20为提供贷款的金融机构所在系统，可以理解为面签平台所在系统。可以理解的是，房交所系统和面签平台除了可以由终端来执行之外，也可以由服务器来执行，还可以由终端和服务器共同来执行。在本发明实施例中所提及的终端包括但不限于PC、手机、以及平板电脑等。
在本实施例中，所述贷款面签系统100包括第一终端10和第二终端20。
所述第一终端10用于当侦测到面签请求时，获取面签过程中所需的面签信息，并将所述面签信息发送给通过预设接口与所述第一终端10绑定的第二终端20，其中，所述第一终端10通过预设接口绑定所述第二终端20；
当第一终端10侦测到面签请求时，获取面签过程中所需的面签信息，并将所获取的面签信息发送给通过预设接口与第一终端10绑定的第二终端20。面签信息包括但不限于主贷款人、共同贷款人、主贷款人配偶、以及共同贷款人配偶等的姓名、年龄和身份证号码等。面签请求可由第一终端10对应的工作人员触发。
需要说明的是，为了保证面签平台的工作流程和房交所系统的工作流程一致，即为了保证第一终端10的工作流程和第二终端20的工作流程一致，通过预设接口绑定第一终端10和第二终端20。第一终端10和第二终端20之间流程节点的跳转和预设接口有紧密关系。当流程节点与第一终端10和第二终端20之间约定的节点一致时，表明第一终端10和第二终端20之间的流程是同步；当流程节点与第一终端10和第二终端20之间约定的节点不一致时，表明第一终端10和第二终端20之间的流程未同步。在本实施例中，预设接口为B2BI（(Business to Business integration）接口。可以理解的是，预设接口为虚拟接口，预设接口对应的参数设置为常量，以使在修改预设接口参数名时，可直接修改常量类定义的参数常量，降低工作量。
进一步地，在第一终端10对应的工作人员触发面签请求之前，第一终端10对应的工作人员应先检查贷款人所带资料是否齐全。若贷款人所带资料不齐全，则应在第一终端10中输入相应的信息，以使第一终端10后续获取的面签信息为完整的面签信息。
进一步地，所述第一终端10还用于当侦测到所述面签请求时，通过绑定所述第一终端和所述第二终端的预设接口获取所述第二终端20中处于空闲状态的坐席号；基于所述坐席号，通过所述预设接口获取所述第二终端20中与所述面签请求对应的贷款订单号；获取面签过程中所需的面签信息，将所述面签信息与所述贷款订单号绑定发送给所述第二终端20。
当第一终端10侦测到面签请求时，启动远程视频面签功能。可以理解的是，面签请求可由第一终端10对应的用户点击远程视频面签按钮触发。当远程视频面签功能启动后，通过绑定第一终端10和第二终端20的预设接口获取第二终端20中处于空闲状态的坐席号。其中，第一终端10所获取的处于空闲状态的坐席号为一个或者多个。
第一终端10基于所获取的坐席号，通过预设接口获取第二终端20中与面签请求对应的贷款订单号。可以理解的是，面签请求对应的贷款人，而贷款订单号也对应着贷款人，因此，需要获取与面签请求对应的贷款订单号。
需要说明的是，当获取到坐席号之后，第一终端10对应的工作人员通过视频通信与该坐席号对应的坐席进行通信，以触发第一终端10和第二终端20之间的信息交互。需要说明的是，当第一终端10所获取的坐席号为多个时，第一终端10对应的工作人员可与多个坐席号中任一坐席号对应的坐席进行通信。
当第一终端10获取到贷款订单号后，将贷款订单号与所获取的面签信息绑定，发送给第二终端20。
所述第二终端20用于当接收到所述面签信息时，获取与所述面签信息对应用户的身份信息以及面签过程中所需的合同信息。
当第二终端20成功接收到第一终端10发送的面签信息时，获取与面签信息对应用户的身份信息以及面签过程中所需的合同信息。其中，与面签信息对应用户的身份信息为主贷款人、主贷款人配偶、共同贷款人及其配偶、以及个人保证人的身份证明材料。面签过程中所需的合同信息包括但不限于收入证明材料、抵押物材料、购房材料、面谈面签材料、银行账户信息，公积金贷款材料等。第二终端20所获取的身份信息和合同信息对应的材料的显示形式包括但不限于PDF（Portable Document Format，便携式文档格式）和bmp（Bitmap，图像文件格式）。
所述第二终端20还用于提示所述第二终端20的坐席审核所述身份信息和合同信息，以得到审核结果；将所述审核结果和预存的贷款申请表发送给所述第一终端10。
当获取到身份信息和合同信息时，第二终端20输出提示信息，提示坐席审核身份信息和合同信息，以得到审核结果。需要说明的是，审核身份信息和合同信息的坐席可为第一终端10所获取的坐席号对应的坐席，也可为其他坐席。提示信息包括但不限于语音提示信息、文字提示信息和指示灯提示信息。
当得到审核结果后，第二终端20获取预存的贷款申请表，将审核结果和贷款申请表发送给第一终端10。需要说明的是，第二终端20发送给第一终端10的贷款申请表中可为已填写相关信息的贷款申请表，如已填写贷款申请人的姓名、身份证号码、联系电话等信息，第一终端10在接收到该贷款申请表后，由第一终端10对应的工作人员提示贷款人在贷款申请表的相应区域签名即可；第二终端20发送给第一终端10的贷款申请表中也可为未填写相关信息的贷款申请表，第一终端10在接收到贷款申请表后，由第一终端10对应的工作人员，或者贷款人填写相关信息，并由贷款人在贷款申请表的相应区域签名。
需要说明的是，在本实施例中，不管坐席审核身份信息和合同信息的审核结果如何，第二终端20都会发送贷款申请表给第一终端10。
进一步地，所述第二终端20还用于发送预存的贷款申请表给所述第一终端10；
所述第一终端10还用于当接收到所述贷款申请表时，获取贷款人在所述贷款申请表中签名时的签名图片，并将所述签名图片发送给所述第二终端20；
所述第一终端10还用于接收及存储所述签名图片，并将所述审核结果发送给第一终端10。
进一步地，第二终端20获取预先存储的贷款申请表，并将所获取的贷款申请表发送给第一终端10。当第一终端10接收到第二终端20发送的贷款申请表时，打印输出该贷款申请表，并输出提示信息提示对应的工作人员监督贷款人在贷款申请表的指定区域签名。当贷款人在贷款申请表中签名时，第一终端10获取贷款人在贷款申请表中签名时的签名图片。第一终端10可通过内置的摄像头，或者与其连接的摄像头获取签名图片，也可通过对应的工作人员或者贷款人上传签名图片至第一终端10中。
第一终端10将签名图片发送给第二终端20。当第二终端20接收到签名图片时，存储该签名图片，并将所得的审核结果发送给第一终端10。
所述第一终端10还用于根据所接收的所述贷款申请表和所述审核结果完成面签流程。
当第一终端10接收到审核结果时，根据审核结果和贷款申请表完成面签流程。
进一步地，在面签过程中，第一终端10和第二终端20交互的信息都是经过加密处理的，即面签信息、身份信息、合同信息和贷款申请表等都是经过加密处理的。加密算法可为DES（Data Encryption Standard，对称算法）、3DES（Triple DES，基于DES的对称算法）、IDEA（International Data Encryption Algorithm，国际数据加密算法）、以及非对称加密算法RSA等。在本发明实施例中，优选选择非对称加密算法加密第一终端10和第二终端20交互的信息。如可由第一终端10采用公钥对需要发送给第二终端20的信息加密，第二终端20采用与公钥对应的私钥解密第一终端10发送的信息。
进一步地，在其它实施例中，可设置为当身份信息和合同信息都真实信息时，即审核结果为审核通过时，第二终端20才将预存的贷款申请表发送给第一终端10。当身份信息和/或合同信息存在虚假信息时，即审核结果为审核未通过时，第二终端20不将预存的贷款申请表发送给第一终端10。
本实施例通过当第一终端10侦测到面签请求时，获取面签过程中所需的面签信息，并将所述面签信息发送给第二终端20，其中，所述第一终端10通过预设接口绑定所述第二终端20；当所述第二终端20接收到所述面签信息时，获取与所述面签信息对应用户的身份信息以及面签过程中所需的合同信息；提示所述第二终端20的坐席审核所述身份信息和合同信息，以得到审核结果；将所述审核结果和预存的贷款申请表发送给所述第一终端10；第一终端10根据所接收的所述贷款申请表和所述审核结果完成面签流程。实现了将面签过程中的所涉及终端对应的系统连接起来，只需用户携带面签所需资料到一个指定终端中，就可以完成面签，提高了面签效率。
进一步地，提出本发明贷款面签系统100第二实施例。
所述贷款面签系统100第二实施例与所述贷款面签系统100第一实施例的区别在于，所述第二终端20还用于当接收到所述面签信息时，通过与所述第一终端10之间的视频通信获取与所述面签信息对应用户的身份信息。
当第二终端20接收到第一终端10发送的面签信息时，通过与第一终端10之间的视频通信获取与面签信息对应用户的身份信息。具体地，可由第一终端10对应的工作人员将与面签信息对应用户的身份信息扫描上传至第一终端10中。第一终端10基于预设接口，通过视频通信将所获取的身份信息发送给第二终端20。
进一步地，第一终端10可将获取的身份信息发送到特定的影像系统，由影像系统存储该身份信息。当第二终端20需要身份信息时，再到影像系统中获取即可。可以理解的是，为了保证第二终端20及时获取到身份信息，第一终端10在将身份信息上传到影像系统后，可发送通知消息给第二终端20，以提示第二终端20已成功将身份信息上传至影像系统中。
所述第二终端20还用于将所述面签信息和所述身份信息发送给公安系统，以供所述公安系统校验所述面签信息和所述身份信息，并返回校验结果。
当第二终端20获取到面签信息和身份信息后，将面签信息和身份信息发送给公安系统，以供公安系统校验面签信息和身份信息的真实性。当公安系统完成对面签信息和身份信息真实性的校验后，返回校验结果给第二终端20。
进一步地，当第二终端20将面签信息和身份信息发送给公安系统后，公安系统可将其数据库中存储对应的身份数据发送给第二终端20。当第二终端20接收到公安系统发送的身份数据时，将所接收的身份数据和面签信息，以及身份信息进行比较，验证面签信息和身份信息的真实性。
所述第二终端20还用于当根据所述校验结果确定所述面签信息和所述身份信息校验通过后，发送提示消息给所述第一终端10。
当第二终端20接收到校验结果时，根据校验结果确定面签信息和身份信息的真实性。当第二终端20根据校验结果确定面签信息和身份信息校验通过后，即面签信息和身份信息为真实的，发送提示消息给第一终端10。在本实施例中，公安系统可在校验结果中添加面签信息和身份信息校验通过和未通过的标识信息，第二终端20可通过校验结果中的标识信息确定面签信息和身份信息是否通过校验。如当面签信息和身份信息通过校验，即面签信息和身份信息为真实时，在校验结果中添加标识1；当面签信息和身份信息未通过校验，即面签信息和身份信息为虚假时，在校验结果中添加标识0。
所述第一终端10还用于根据所述提示消息发送面签过程中所需的合同信息给所述第二终端20；
所述第二终端20还用于接收所述合同信息。
当第一终端10接收到提示消息后，第一终端10根据提示消息发送面签过程中的合同信息给第二终端20。第一终端10发送合同信息的方式与发送身份信息的方式相似，在此不再赘述。
第二终端20接收第一终端10发送的合同信息。
进一步地，所述第一终端10还用于当接收到调节视频画质和/或分辨率的调节指令时，根据所述调节指令对应调节所述视频画质和/或分辨率；
所述第二终端20还用于当接收到调节视频画质和/或分辨率的调节指令时，根据所述调节指令对应调节所述视频画质和/或分辨率。
进一步地，当第一终端10接收到调节视频画质和/或分辨率的调节指令时，根据调节指令调节视频画质和/或分辨率。当第二终端20接收到调节视频画质和/或分辨率的调节指令时，根据调节指令调节视频画质和/或分辨率。以使第一终端10和第二终端20之间视频通信的清晰度满足要求。
进一步地，预先设置第一终端10和第二终端20面签过程中各个流程节点所需的分辨率。当某个流程节点所需的分辨率较高时，降低第一终端10和第二终端20之间视频通信的流畅性；当某个流程节点对流畅性的要求较高时，降低第一终端10和第二终端20视频通信的分辨率。
进一步地，在第一终端10的工作人员和第二终端20的坐席进行视频通信过程中，可对视频过程进行语音，以及录像，得到对应的音频和视频，并存储所得的音频和视频。可以理解的是，所存储的音频和视频可通过贷款订单号和/或日期等进行标识。
本实施例通过将面签信息和身份信息发送给公安系统，让公安系统校验面签信息和身份信息的真实性，提高了贷款面签过程中的安全性，降低了提供贷款的金融机构的风险。
参照图4，图4是本发明实施例方案涉及的硬件运行环境的设备结构示意图。
需要说明的是，图4可为第一终端的硬件运行环境的终端结构示意图，也可为第二终端的硬件运行环境的终端结构示意图。可以理解的是，图4中的处理器1001，网络接口1004，用户接口1003，存储器1005和通信总线1002即可存在于第一终端中，也可存在于第二终端中。
本发明实施例第一终端和第二终端可以是PC，也可以是智能手机、平板电脑、电子书阅读器、MP3（Moving Picture Experts Group Audio Layer III，动态影像专家压缩标准音频层面3）播放器、MP4（Moving Picture Experts Group Audio Layer IV，动态影像专家压缩标准音频层面4）播放器、便携计算机等可移动式终端设备。
如图4所示，该第一终端和第二终端可以包括：处理器1001，例如CPU，网络接口1004，用户接口1003，存储器1005，通信总线1002。其中，通信总线1002用于实现这些组件之间的连接通信。用户接口1003可以包括显示屏（Display）、输入单元比如键盘（Keyboard），可选用户接口1003还可以包括标准的有线接口（可用于连接有线键盘、有线鼠标等）、无线接口（可用于连接无线键盘、无线鼠标等）。网络接口1004可选的可以包括标准的有线接口（可用于连接有线网络、调制解调器等）、无线接口（如WI-FI接口、蓝牙接口、红外线接口等，用于无线数据传输）。存储器1005可以是高速RAM存储器，也可以是稳定的存储器（non-volatile memory），例如磁盘存储器。
可选地，第一终端和第二终端还可以包括摄像头、RF（Radio Frequency，射频）电路，传感器、音频电路、WiFi模块等等。
本领域技术人员可以理解，图1中示出的终端结构并不构成对终端的限定，可以包括比图示更多或更少的部件，或者组合某些部件，或者不同的部件布置。
如图1所示，作为一种计算机存储介质的存储器1005中可以包括操作系统、网络通信模块、用户接口模块以及贷款面签程序。其中，操作系统是管理和控制第一终端和第二终端中硬件和软件资源的程序，支持贷款面签程序以及其它软件和/或程序的运行。
在图1所示的终端结构示意图中，网络接口1004主要用于连接另一终端，与另一终端进行数据通信，如当该网络接口1004属于第一终端时，该网络接口1004主要用于连接第二终端，与第二终端进行数据通信；当该网络接口1004属于第二终端时，该网络接口1004主要用于连接第一终端，与第一终端进行数据通信；用户接口1003主要用于接收、以及侦测各种操作指令，如侦测面签请求。
当处理器1001为第一终端的处理器时，处理器1001可以用于调用存储器1005中存储的贷款面签程序，并执行以下步骤：
当侦测到面签请求时，获取面签过程中所需的面签信息，并将所述面签信息发送给通过预设接口与所述第一终端绑定的第二终端，以供所述第二终端接收所述面签信息，获取与所述面签信息对应用户的身份信息以及面签过程中所需的合同信息；并提示所述第二终端的坐席审核所述身份信息和合同信息，以得到审核结果；将所述审核结果和预存的贷款申请表发送给所述第一终端；
接收所述第二终端发送的贷款申请表和审核结果，根据所接收的所述贷款申请表和所述审核结果完成面签流程。
进一步地，所述处理器1001还用于调用存储器1005中存储的贷款面签程序，以执行以下步骤：
接收所述第二终端发送的提示消息；
根据所述提示消息发送面签过程中所需的合同信息给所述第二终端。
进一步地，所述处理器1001还用于调用存储器1005中存储的贷款面签程序，以执行以下步骤：
当接收到调节视频画质和/或分辨率的调节指令时，根据所述调节指令对应调节所述视频画质和/或分辨率。
进一步地，所述处理器1001还用于调用存储器1005中存储的贷款面签程序，以执行以下步骤：
当接收到所述第二终端发送的所述贷款申请表时，获取贷款人在所述贷款申请表中签名时的签名图片，并将所述签名图片发送给所述第二终端，以供所述第二终端接收及存储所述签名图片，并返回所述审核结果。
进一步地，所述当侦测到面签请求时，获取面签过程中所需的面签信息，并将所述面签信息发送给通过预设接口与所述第一终端绑定的第二终端的步骤包括：
当侦测到所述面签请求时，通过绑定所述第一终端和所述第二终端的预设接口获取所述第二终端中处于空闲状态的坐席号；
基于所述坐席号，通过所述预设接口获取所述第二终端中与所述面签请求对应的贷款订单号；
获取面签过程中所需的面签信息，将所述面签信息与所述贷款订单号绑定发送给所述第二终端。
本发明第一终端具体实施方式与上述贷款面签方法和系统各实施例基本相同，在此不再赘述。
当处理器1001为第二终端的处理器时，处理器1001可以用于调用存储器1005中存储的贷款面签程序，并执行以下步骤：
当接收到所述第一终端通过预设接口发送的所述面签信息时，获取与所述面签信息对应用户的身份信息以及面签过程中所需的合同信息；
提示所述第二终端的坐席审核所述身份信息和合同信息，以得到审核结果；
将所述审核结果和预存的贷款申请表发送给所述第一终端，以供所述第一终端根据所接收的所述贷款申请表和所述审核结果完成面签流程。
进一步地，所述当接收到所述面签信息时，获取与所述面签信息对应用户的身份信息以及面签过程中所需的合同信息的步骤包括：
当接收到所述面签信息时，通过与所述第一终端之间的视频通信获取与所述面签信息对应用户的身份信息；
将所述面签信息和所述身份信息发送给公安系统，以供所述公安系统校验所述面签信息和所述身份信息，并返回校验结果；
当根据所述校验结果确定所述面签信息和所述身份信息校验通过后，发送提示消息给所述第一终端，以供所述第一终端根据所述提示消息返回面签过程中所需的合同信息；
接收所述第一终端根据所述提示消息返回的面签过程中所需的合同信息。
进一步地，所述处理器1001还用于调用存储器1005中存储的贷款面签程序，以执行以下步骤：
当接收到调节视频画质和/或分辨率的调节指令时，根据所述调节指令对应调节所述视频画质和/或分辨率。
进一步地，所述将所述审核结果和预存的贷款申请表发送给所述第一终端的步骤包括：
发送预存的贷款申请表给所述第一终端，以供所述第一终端接收所述贷款申请表，获取贷款人在所述贷款申请表中签名时的签名图片，将所述签名图片发送给所述第二终端；
接收及存储所述第一终端发送的所述签名图片，并将所述审核结果发送给第一终端。
本发明第二终端具体实施方式与上述贷款面签方法和系统各实施例基本相同，在此不再赘述。
本发明还提供一种计算机可读存储介质，所述计算机可读存储介质应用于第一终端，所述计算机可读存储介质存储有一个或者多个程序，所述一个或者多个程序可被一个或者多个处理器执行，以实现以下步骤：
当侦测到面签请求时，获取面签过程中所需的面签信息，并将所述面签信息发送给通过预设接口与所述第一终端绑定的第二终端，以供所述第二终端接收所述面签信息，获取与所述面签信息对应用户的身份信息以及面签过程中所需的合同信息；并提示所述第二终端的坐席审核所述身份信息和合同信息，以得到审核结果；将所述审核结果和预存的贷款申请表发送给所述第一终端；
接收所述第二终端发送的贷款申请表和审核结果，根据所接收的所述贷款申请表和所述审核结果完成面签流程。
进一步地，所述计算机可读存储介质还用于实现以下步骤：
接收所述第二终端发送的提示消息；
根据所述提示消息发送面签过程中所需的合同信息给所述第二终端。
进一步地，所述计算机可读存储介质还用于实现以下步骤：
当接收到调节视频画质和/或分辨率的调节指令时，根据所述调节指令对应调节所述视频画质和/或分辨率。
进一步地，所述计算机可读存储介质还用于实现以下步骤：
当接收到所述第二终端发送的所述贷款申请表时，获取贷款人在所述贷款申请表中签名时的签名图片，并将所述签名图片发送给所述第二终端，以供所述第二终端接收及存储所述签名图片，并返回所述审核结果。
进一步地，所述当侦测到面签请求时，获取面签过程中所需的面签信息，并将所述面签信息发送给通过预设接口与所述第一终端绑定的第二终端的步骤包括：
当侦测到所述面签请求时，通过绑定所述第一终端和所述第二终端的预设接口获取所述第二终端中处于空闲状态的坐席号；
基于所述坐席号，通过所述预设接口获取所述第二终端中与所述面签请求对应的贷款订单号；
获取面签过程中所需的面签信息，将所述面签信息与所述贷款订单号绑定发送给所述第二终端。
本实施例计算机可读存储介质具体实施方式与上述贷款面签方法和系统各实施例基本相同，在此不再赘述。
本发明还提供一种计算机可读存储介质，所述计算机可读存储介质应用于第二终端，所述计算机可读存储介质存储有一个或者多个程序，所述一个或者多个程序可被一个或者多个处理器执行，以实现以下步骤：
当接收到所述第一终端通过预设接口发送的所述面签信息时，获取与所述面签信息对应用户的身份信息以及面签过程中所需的合同信息；
提示所述第二终端的坐席审核所述身份信息和合同信息，以得到审核结果；
将所述审核结果和预存的贷款申请表发送给所述第一终端，以供所述第一终端根据所接收的所述贷款申请表和所述审核结果完成面签流程。
进一步地，所述当接收到所述面签信息时，获取与所述面签信息对应用户的身份信息以及面签过程中所需的合同信息的步骤包括：
当接收到所述面签信息时，通过与所述第一终端之间的视频通信获取与所述面签信息对应用户的身份信息；
将所述面签信息和所述身份信息发送给公安系统，以供所述公安系统校验所述面签信息和所述身份信息，并返回校验结果；
当根据所述校验结果确定所述面签信息和所述身份信息校验通过后，发送提示消息给所述第一终端，以供所述第一终端根据所述提示消息返回面签过程中所需的合同信息；
接收所述第一终端根据所述提示消息返回的面签过程中所需的合同信息。
进一步地，所述计算机可读存储介质还用于实现以下步骤：
当接收到调节视频画质和/或分辨率的调节指令时，根据所述调节指令对应调节所述视频画质和/或分辨率。
进一步地，所述将所述审核结果和预存的贷款申请表发送给所述第一终端的步骤包括：
发送预存的贷款申请表给所述第一终端，以供所述第一终端接收所述贷款申请表，获取贷款人在所述贷款申请表中签名时的签名图片，将所述签名图片发送给所述第二终端；
接收及存储所述第一终端发送的所述签名图片，并将所述审核结果发送给第一终端。
本实施例计算机可读存储介质具体实施方式与上述贷款面签方法和系统各实施例基本相同，在此不再赘述。
需要说明的是，在本文中，术语“包括”、“包含”或者其任何其他变体意在涵盖非排他性的包含，从而使得包括一系列要素的过程、方法、物品或者系统不仅包括那些要素，而且还包括没有明确列出的其他要素，或者是还包括为这种过程、方法、物品或者系统所固有的要素。在没有更多限制的情况下，由语句“包括一个……”限定的要素，并不排除在包括该要素的过程、方法、物品或者系统中还存在另外的相同要素。
上述本发明实施例序号仅仅为了描述，不代表实施例的优劣。
通过以上的实施方式的描述，本领域的技术人员可以清楚地了解到上述实施例方法可借助软件加必需的通用硬件平台的方式来实现，当然也可以通过硬件，但很多情况下前者是更佳的实施方式。基于这样的理解，本发明的技术方案本质上或者说对现有技术做出贡献的部分可以以软件产品的形式体现出来，该计算机软件产品存储在一个存储介质（如ROM/RAM、磁碟、光盘）中，包括若干指令用以使得一台终端设备（可以是手机，计算机，服务器，空调器，或者网络设备等）执行本发明各个实施例所述的方法。
以上仅为本发明的优选实施例，并非因此限制本发明的专利范围，凡是利用本发明说明书及附图内容所作的等效结构或等效流程变换，或直接或间接运用在其他相关的技术领域，均同理包括在本发明的专利保护范围内。

Claims (28)

  1. 一种贷款面签方法，其特征在于，所述贷款面签方法包括以下步骤：
    当第一终端侦测到面签请求时，获取面签过程中所需的面签信息，并将所述面签信息发送给通过预设接口与所述第一终端绑定的第二终端；
    当所述第二终端接收到所述面签信息时，获取与所述面签信息对应用户的身份信息以及面签过程中所需的合同信息；
    提示所述第二终端的坐席审核所述身份信息和合同信息，以得到审核结果；
    将所述审核结果和预存的贷款申请表发送给所述第一终端；
    第一终端根据所接收的所述贷款申请表和所述审核结果完成面签流程。
  2. 如权利要求1所述的贷款面签方法，其特征在于，所述当所述第二终端接收到所述面签信息时，获取与所述面签信息对应用户的身份信息以及面签过程中所需的合同信息的步骤包括：
    当所述第二终端接收到所述面签信息时，通过与所述第一终端之间的视频通信获取与所述面签信息对应用户的身份信息；
    将所述面签信息和所述身份信息发送给公安系统，以供所述公安系统校验所述面签信息和所述身份信息，并返回校验结果；
    当根据所述校验结果确定所述面签信息和所述身份信息校验通过后，发送提示消息给所述第一终端；
    所述第一终端根据所述提示消息发送面签过程中所需的合同信息给所述第二终端；
    所述第二终端接收所述合同信息。
  3. 如权利要求2所述的贷款面签方法，其特征在于，所述贷款面签方法还包括：
    当所述第一终端和/或所述第二终端接收到调节视频画质和/或分辨率的调节指令时，根据所述调节指令对应调节所述视频画质和/或分辨率。
  4. 如权利要求1所述的贷款面签方法，其特征在于，所述将所述审核结果和预存的贷款申请表发送给所述第一终端的步骤包括：
    所述第二终端发送预存的贷款申请表给所述第一终端；
    当所述第一终端接收到所述贷款申请表时，获取贷款人在所述贷款申请表中签名时的签名图片，并将所述签名图片发送给所述第二终端；
    所述第二终端接收及存储所述签名图片，并将所述审核结果发送给第一终端。
  5. 如权利要求1所述的贷款面签方法，其特征在于，所述当第一终端侦测到面签请求时，获取面签过程中所需的面签信息，并将所述面签信息发送给通过预设接口与所述第一终端绑定的第二终端的步骤包括：
    当所述第一终端侦测到所述面签请求时，通过绑定所述第一终端和所述第二终端的预设接口获取所述第二终端中处于空闲状态的坐席号；
    基于所述坐席号，通过所述预设接口获取所述第二终端中与所述面签请求对应的贷款订单号；
    获取面签过程中所需的面签信息，将所述面签信息与所述贷款订单号绑定发送给所述第二终端。
  6. 一种贷款面签系统，其特征在于，所述贷款面签系统包括第一终端和第二终端；
    所述第一终端用于当侦测到面签请求时，获取面签过程中所需的面签信息，并将所述面签信息发送给通过预设接口与所述第一终端绑定的第二终端；
    所述第二终端用于当接收到所述面签信息时，获取与所述面签信息对应用户的身份信息以及面签过程中所需的合同信息；提示所述第二终端的坐席审核所述身份信息和合同信息，以得到审核结果；将所述审核结果和预存的贷款申请表发送给所述第一终端；
    所述第一终端还用于根据所接收的所述贷款申请表和所述审核结果完成面签流程。
  7. 如权利要求6所述的贷款面签系统，其特征在于，所述第二终端还用于当接收到所述面签信息时，通过与所述第一终端之间的视频通信获取与所述面签信息对应用户的身份信息；将所述面签信息和所述身份信息发送给公安系统，以供所述公安系统校验所述面签信息和所述身份信息，并返回校验结果；当根据所述校验结果确定所述面签信息和所述身份信息校验通过后，发送提示消息给所述第一终端；
    所述第一终端还用于根据所述提示消息发送面签过程中所需的合同信息给所述第二终端；
    所述第二终端还用于接收所述合同信息。
  8. 如权利要求7所述的贷款面签系统，其特征在于，所述第一终端还用于当接收到调节视频画质和/或分辨率的调节指令时，根据所述调节指令对应调节所述视频画质和/或分辨率；
    所述第二终端还用于当接收到调节视频画质和/或分辨率的调节指令时，根据所述调节指令对应调节所述视频画质和/或分辨率。
  9. 如权利要求6所述的贷款面签系统，其特征在于，所述第二终端还用于发送预存的贷款申请表给所述第一终端；
    所述第一终端还用于当接收到所述贷款申请表时，获取贷款人在所述贷款申请表中签名时的签名图片，并将所述签名图片发送给所述第二终端；
    所述第一终端还用于接收及存储所述签名图片，并将所述审核结果发送给第一终端。
  10. 如权利要求6所述的贷款面签系统，其特征在于，所述第一终端还用于当侦测到所述面签请求时，通过绑定所述第一终端和所述第二终端的预设接口获取所述第二终端中处于空闲状态的坐席号；基于所述坐席号，通过所述预设接口获取所述第二终端中与所述面签请求对应的贷款订单号；获取面签过程中所需的面签信息，将所述面签信息与所述贷款订单号绑定发送给所述第二终端。
  11. 一种第一终端，其特征在于，所述第一终端包括处理器、网络接口、存储器及通信总线；
    所述通信总线用于实现处理器、网络接口及存储器之间的连接通信；
    所述网络接口用于连接第二终端，与所述第二终端进行数据通信；
    所述处理器用于调用存储器中存储的贷款面签程序，以执行以下步骤：
    当侦测到面签请求时，获取面签过程中所需的面签信息，并将所述面签信息发送给通过预设接口与所述第一终端绑定的第二终端，以供所述第二终端接收所述面签信息，获取与所述面签信息对应用户的身份信息以及面签过程中所需的合同信息；并提示所述第二终端的坐席审核所述身份信息和合同信息，以得到审核结果；将所述审核结果和预存的贷款申请表发送给所述第一终端；
    接收所述第二终端发送的贷款申请表和审核结果，根据所接收的所述贷款申请表和所述审核结果完成面签流程。
  12. 如权利要求11所述的第一终端，其特征在于，所述处理器还用于调用存储器中存储的贷款面签程序，以执行以下步骤：
    接收所述第二终端发送的提示消息；
    根据所述提示消息发送面签过程中所需的合同信息给所述第二终端。
  13. 如权利要求12所述的第一终端，其特征在于，所述处理器还用于调用存储器中存储的贷款面签程序，以执行以下步骤：
    当接收到调节视频画质和/或分辨率的调节指令时，根据所述调节指令对应调节所述视频画质和/或分辨率。
  14. 如权利要求11所述的第一终端，其特征在于，所述处理器还用于调用存储器中存储的贷款面签程序，以执行以下步骤：
    当接收到所述第二终端发送的所述贷款申请表时，获取贷款人在所述贷款申请表中签名时的签名图片，并将所述签名图片发送给所述第二终端，以供所述第二终端接收及存储所述签名图片，并返回所述审核结果。
  15. 如权利要求11所述的第一终端，其特征在于，所述当侦测到面签请求时，获取面签过程中所需的面签信息，并将所述面签信息发送给通过预设接口与所述第一终端绑定的第二终端的步骤包括：
    当侦测到所述面签请求时，通过绑定所述第一终端和所述第二终端的预设接口获取所述第二终端中处于空闲状态的坐席号；
    基于所述坐席号，通过所述预设接口获取所述第二终端中与所述面签请求对应的贷款订单号；
    获取面签过程中所需的面签信息，将所述面签信息与所述贷款订单号绑定发送给所述第二终端。
  16. 一种第二终端，其特征在于，所述第二终端包括处理器、网络接口、存储器及通信总线；
    所述通信总线用于实现处理器、网络接口及存储器之间的连接通信；
    所述网络接口用于连接第一终端，与所述第一终端进行数据通信；
    所述处理器用于调用存储器中存储的贷款面签程序，以执行以下步骤：
    当接收到所述第一终端通过预设接口发送的所述面签信息时，获取与所述面签信息对应用户的身份信息以及面签过程中所需的合同信息；
    提示所述第二终端的坐席审核所述身份信息和合同信息，以得到审核结果；
    将所述审核结果和预存的贷款申请表发送给所述第一终端，以供所述第一终端根据所接收的所述贷款申请表和所述审核结果完成面签流程。
  17. 如权利要求16所述的第二终端，其特征在于，所述当接收到所述面签信息时，获取与所述面签信息对应用户的身份信息以及面签过程中所需的合同信息的步骤包括：
    当接收到所述面签信息时，通过与所述第一终端之间的视频通信获取与所述面签信息对应用户的身份信息；
    将所述面签信息和所述身份信息发送给公安系统，以供所述公安系统校验所述面签信息和所述身份信息，并返回校验结果；
    当根据所述校验结果确定所述面签信息和所述身份信息校验通过后，发送提示消息给所述第一终端，以供所述第一终端根据所述提示消息返回面签过程中所需的合同信息；
    接收所述第一终端根据所述提示消息返回的面签过程中所需的合同信息。
  18. 如权利要求17所述的第二终端，其特征在于，所述处理器还用于调用存储器中存储的贷款面签程序，以执行以下步骤：
    当接收到调节视频画质和/或分辨率的调节指令时，根据所述调节指令对应调节所述视频画质和/或分辨率。
  19. 如权利要求16所述的第二终端，其特征在于，所述将所述审核结果和预存的贷款申请表发送给所述第一终端的步骤包括：
    发送预存的贷款申请表给所述第一终端，以供所述第一终端接收所述贷款申请表，获取贷款人在所述贷款申请表中签名时的签名图片，将所述签名图片发送给所述第二终端；
    接收及存储所述第一终端发送的所述签名图片，并将所述审核结果发送给第一终端。
  20. 一种计算机可读存储介质，其特征在于，所述计算机可读存储介质应用于第一终端，所述计算机可读存储介质存储有一个或者多个程序，所述一个或者多个程序可被一个或者多个处理器执行，以实现以下步骤：
    当侦测到面签请求时，获取面签过程中所需的面签信息，并将所述面签信息发送给通过预设接口与所述第一终端绑定的第二终端，以供所述第二终端接收所述面签信息，获取与所述面签信息对应用户的身份信息以及面签过程中所需的合同信息；并提示所述第二终端的坐席审核所述身份信息和合同信息，以得到审核结果；将所述审核结果和预存的贷款申请表发送给所述第一终端；
    接收所述第二终端发送的贷款申请表和审核结果，根据所接收的所述贷款申请表和所述审核结果完成面签流程。
  21. 如权利要求20所述的计算机可读存储介质，其特征在于，所述计算机可读存储介质还用于实现以下步骤：
    接收所述第二终端发送的提示消息；
    根据所述提示消息发送面签过程中所需的合同信息给所述第二终端。
  22. 如权利要求21所述的计算机可读存储介质，其特征在于，所述计算机可读存储介质还用于实现以下步骤：
    当接收到调节视频画质和/或分辨率的调节指令时，根据所述调节指令对应调节所述视频画质和/或分辨率。
  23. 如权利要求20所述的计算机可读存储介质，其特征在于，所述计算机可读存储介质还用于实现以下步骤：
    当接收到所述第二终端发送的所述贷款申请表时，获取贷款人在所述贷款申请表中签名时的签名图片，并将所述签名图片发送给所述第二终端，以供所述第二终端接收及存储所述签名图片，并返回所述审核结果。
  24. 如权利要求20所述的计算机可读存储介质，其特征在于，所述当侦测到面签请求时，获取面签过程中所需的面签信息，并将所述面签信息发送给通过预设接口与所述第一终端绑定的第二终端的步骤包括：
    当侦测到所述面签请求时，通过绑定所述第一终端和所述第二终端的预设接口获取所述第二终端中处于空闲状态的坐席号；
    基于所述坐席号，通过所述预设接口获取所述第二终端中与所述面签请求对应的贷款订单号；
    获取面签过程中所需的面签信息，将所述面签信息与所述贷款订单号绑定发送给所述第二终端。
  25. 一种计算机可读存储介质，其特征在于，所述计算机可读存储介质应用于第二终端，所述计算机可读存储介质存储有一个或者多个程序，所述一个或者多个程序可被一个或者多个处理器执行，以实现以下步骤：
    当接收到所述第一终端通过预设接口发送的所述面签信息时，获取与所述面签信息对应用户的身份信息以及面签过程中所需的合同信息；
    提示所述第二终端的坐席审核所述身份信息和合同信息，以得到审核结果；
    将所述审核结果和预存的贷款申请表发送给所述第一终端，以供所述第一终端根据所接收的所述贷款申请表和所述审核结果完成面签流程。
  26. 如权利要求25所述的计算机可读存储介质，其特征在于，所述当接收到所述面签信息时，获取与所述面签信息对应用户的身份信息以及面签过程中所需的合同信息的步骤包括：
    当接收到所述面签信息时，通过与所述第一终端之间的视频通信获取与所述面签信息对应用户的身份信息；
    将所述面签信息和所述身份信息发送给公安系统，以供所述公安系统校验所述面签信息和所述身份信息，并返回校验结果；
    当根据所述校验结果确定所述面签信息和所述身份信息校验通过后，发送提示消息给所述第一终端，以供所述第一终端根据所述提示消息返回面签过程中所需的合同信息；
    接收所述第一终端根据所述提示消息返回的面签过程中所需的合同信息。
  27. 如权利要求26所述的计算机可读存储介质，其特征在于，所述计算机可读存储介质还用于实现以下步骤：
    当接收到调节视频画质和/或分辨率的调节指令时，根据所述调节指令对应调节所述视频画质和/或分辨率。
  28. 如权利要求25所述的计算机可读存储介质，其特征在于，所述将所述审核结果和预存的贷款申请表发送给所述第一终端的步骤包括：
    发送预存的贷款申请表给所述第一终端，以供所述第一终端接收所述贷款申请表，获取贷款人在所述贷款申请表中签名时的签名图片，将所述签名图片发送给所述第二终端；
    接收及存储所述第一终端发送的所述签名图片，并将所述审核结果发送给第一终端。
PCT/CN2017/089474 2017-03-13 2017-06-22 贷款面签方法、系统、终端及计算机可读存储介质 WO2018166091A1 (zh)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
CN201710149824.9 2017-03-13
CN201710149824.9A CN107067320A (zh) 2017-03-13 2017-03-13 贷款面签方法和系统

Publications (1)

Publication Number Publication Date
WO2018166091A1 true WO2018166091A1 (zh) 2018-09-20

Family

ID=59621686

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/CN2017/089474 WO2018166091A1 (zh) 2017-03-13 2017-06-22 贷款面签方法、系统、终端及计算机可读存储介质

Country Status (2)

Country Link
CN (1) CN107067320A (zh)
WO (1) WO2018166091A1 (zh)

Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN109903005A (zh) * 2019-01-14 2019-06-18 平安科技（深圳）有限公司 面签的审核方法、装置、计算机设备及可读存储介质
CN111881142A (zh) * 2020-07-30 2020-11-03 浪潮云信息技术股份公司 学生学区确定方法、装置和系统
CN113837876A (zh) * 2021-08-10 2021-12-24 深圳市高腾科技服务有限公司 交易指令自动签名方法、装置、设备及存储介质

Families Citing this family (10)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN109711965A (zh) * 2017-10-25 2019-05-03 嘉兴市友贷金融信息服务有限公司 一种智能防欺诈网络借贷远程尽调和风险控制方法
CN108510233A (zh) * 2017-12-01 2018-09-07 平安科技（深圳）有限公司 远程面签匹配坐席方法、电子装置及计算机可读存储介质
CN107895239A (zh) * 2017-12-08 2018-04-10 平安科技（深圳）有限公司 视频面签派工方法、装置、设备及可读存储介质
CN108038779A (zh) * 2017-12-08 2018-05-15 平安科技（深圳）有限公司 视频面签身份审核方法、装置、设备及可读存储介质
CN109756701A (zh) * 2018-01-12 2019-05-14 深圳壹账通智能科技有限公司 视频面核方法、客户端、服务器及计算机可读存储介质
CN108306876B (zh) * 2018-01-30 2021-03-02 平安普惠企业管理有限公司 客户身份验证方法、装置、计算机设备和存储介质
CN108389126A (zh) * 2018-03-07 2018-08-10 深圳前海大数金融服务有限公司 移动面签方法、移动面签系统、终端服务器以及存储介质
CN109087208B (zh) * 2018-08-14 2023-04-18 深圳壹账通智能科技有限公司 贷前数据处理方法、装置、计算机设备和存储介质
CN109544325A (zh) * 2018-11-28 2019-03-29 平安科技（深圳）有限公司 基于数据处理的面签系统的切换方法、装置和计算机设备
CN112598064A (zh) * 2020-12-25 2021-04-02 中国农业银行股份有限公司 一种数据处理方法及装置

Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN102339450A (zh) * 2011-09-26 2012-02-01 浙江安信资产管理集团有限公司 银行按揭业务移动面签的实现方法
US20150317639A1 (en) * 2014-04-30 2015-11-05 Ncr Corporation Automated Remote Transaction Assistance
CN105654372A (zh) * 2015-12-22 2016-06-08 深圳前海微众银行股份有限公司 远程开户的身份识别方法、服务器及系统
CN205983684U (zh) * 2016-06-17 2017-02-22 深圳市雁联计算系统有限公司 一种银行网点多自助金融服务系统

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN102339450A (zh) * 2011-09-26 2012-02-01 浙江安信资产管理集团有限公司 银行按揭业务移动面签的实现方法
US20150317639A1 (en) * 2014-04-30 2015-11-05 Ncr Corporation Automated Remote Transaction Assistance
CN105654372A (zh) * 2015-12-22 2016-06-08 深圳前海微众银行股份有限公司 远程开户的身份识别方法、服务器及系统
CN205983684U (zh) * 2016-06-17 2017-02-22 深圳市雁联计算系统有限公司 一种银行网点多自助金融服务系统

Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN109903005A (zh) * 2019-01-14 2019-06-18 平安科技（深圳）有限公司 面签的审核方法、装置、计算机设备及可读存储介质
CN111881142A (zh) * 2020-07-30 2020-11-03 浪潮云信息技术股份公司 学生学区确定方法、装置和系统
CN113837876A (zh) * 2021-08-10 2021-12-24 深圳市高腾科技服务有限公司 交易指令自动签名方法、装置、设备及存储介质

Also Published As

Publication number Publication date
CN107067320A (zh) 2017-08-18

Similar Documents

Publication Publication Date Title
WO2018166091A1 (zh) 贷款面签方法、系统、终端及计算机可读存储介质
WO2014030959A1 (en) Information providing method, mobile terminal and display device for the same
WO2017039341A1 (en) Display apparatus and control method thereof
WO2015034163A1 (en) Method of providing notification and electronic device thereof
WO2020235782A1 (ko) 분산 환경에서의 신원 인증 방법
WO2014014302A1 (en) Method and device for sharing content
WO2010124565A1 (zh) 签名方法、设备及系统
WO2015026058A1 (en) Method, terminal, and system for reproducing content
EP3241129A1 (en) User terminal, service providing apparatus, driving method of user terminal, driving method of service providing apparatus, and encryption indexing-based search system
WO2019033904A1 (zh) 登录验证方法、系统及计算机可读存储介质
WO2019104876A1 (zh) 保险产品的推送方法、系统、终端、客户终端及存储介质
WO2022050652A1 (en) Method, apparatus, and computer readable storage medium for controlling account
WO2022060149A1 (ko) 탈중앙화 네트워크를 이용하여 권리를 관리하는 전자 장치 및 이의 동작 방법
WO2018155846A1 (en) Agency payment system, server and controlling method thereof
WO2016076638A1 (en) Apparatus and method for payment
WO2023171887A1 (ko) 인비지블실링형 nft 이미지 거래 활성화 장치 및 방법
WO2019109521A1 (zh) 视频面签身份审核方法、装置、设备及可读存储介质
WO2019132555A1 (ko) 이모지가 포함된 메시지를 송수신하는 전자 장치 및 그 전자 장치를 제어하는 방법
WO2023106759A1 (ko) Qr코드 스캔·셀픽형 웹중개제어로 이루어진 하이브리드식 사진인화키오스크형 오프라인 이지 결제장치 및 방법
WO2018034491A1 (en) A primary device, an accessory device, and methods for processing operations on the primary device and the accessory device
WO2020114333A1 (zh) 基于视频的ar教育方法、智能电视、存储介质及设备
WO2019010926A1 (zh) 广告的推送方法、装置及计算机可读存储介质
WO2021177695A1 (en) Electronic device for providing transaction information and operating method thereof
WO2018117536A1 (en) Electronic apparatus, control authority authentication method thereof and user terminal apparatus
WO2019090995A1 (zh) 自助开户发卡方法、自助终端及计算机可读存储介质

Legal Events

Date Code Title Description
121 Ep: the epo has been informed by wipo that ep was designated in this application

Ref document number: 17900501

Country of ref document: EP

Kind code of ref document: A1

NENP Non-entry into the national phase

Ref country code: DE

32PN Ep: public notification in the ep bulletin as address of the adressee cannot be established

Free format text: NOTING OF LOSS OF RIGHTS PURSUANT TO RULE 112(1) EPC (EPO FORM 1205A DATED 09/12/2019)

122 Ep: pct application non-entry in european phase

Ref document number: 17900501

Country of ref document: EP

Kind code of ref document: A1