CN107464183A - Debt-credit method, electronic equipment, storage medium and system based on internet - Google Patents
Debt-credit method, electronic equipment, storage medium and system based on internet Download PDFInfo
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- CN107464183A CN107464183A CN201710534203.2A CN201710534203A CN107464183A CN 107464183 A CN107464183 A CN 107464183A CN 201710534203 A CN201710534203 A CN 201710534203A CN 107464183 A CN107464183 A CN 107464183A
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- 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
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Abstract
Debt-credit method of the invention based on internet, including step real-name authentication, submit loan application, assess loan limit, offer loans；The invention further relates to a kind of electronic equipment and computer-readable recording medium；The invention further relates to the balance system based on internet, including terminal AM access module, management module, air control module, interface module, the present invention constructs micro-credit operation system on pure line, the region limitation of traditional micro-credit is spanned, system is based on banking system architecture design, full-featured, multiple terminals covers, it is quick to deliver, it is cost-effective, realize management standardization, flow transparence, value maximization, maintenance automation, air control intellectuality.
Description
Technical field
The present invention relates to financial debt-credit field, more particularly to debt-credit method, electronic equipment, storage medium based on internet
And system.
Background technology
In recent years, in the descending environment of macroeconomic, tradition it is small borrow enter speedup slowly and the increased bottleneck period of risk,
The ability to ward off risks of the small loan of tradition is poor, credit product is single, credit system imperfection, channel which savings can finance investment are narrow, in July, 2015, by
People's Bank of China, the Ministry of Industry and Information Technology, the Ministry of Public Security, the Ministry of Finance, State Administration for Industry ＆ Commerce, State Council Legislative Affairs Office, Bank of China
The industry supervision and management committee, China Securities Regulatory Commission, China Insurance Regulatory Commission, national Internet information
Office, which combines, to print and distribute《On promoting the instruction of internet financial health development》In (silver hair (2015) 221) clearly
" network petty load refers to the small-loan company that Internet enterprises are controlled by it to regulation, is provided using internet to client
Petty load.Network petty load should observe existing small-loan company supervision regulation, play network loan advantage, make great efforts drop
Low client's finance costs.It is corresponding to be, Internet technology is relied on, can in China commence business, can flexibly expand
The small loan in internet of financial value-added service turns into new round air port ".
Therefore, internet it is small borrow as fresh wind port trend under, traditional little Dai mechanisms, internet little Dai companies how from
Different scenes are set out, there is provided flexible financial service, real-time credit, make loans in real time, borrow before risk assessment, borrow risk pipe
Risk-warning realizes small loan services interconnection networking after reason, loan, how to promote itself transition and upgrade to turn into an important problem.
The content of the invention
For overcome the deficiencies in the prior art, an object of the present invention be to provide the debt-credit method based on internet,
Electronic equipment, storage medium and system, micro-credit operation system on pure line is built, span the region of traditional micro-credit
Limitation, system is based on banking system architecture design, full-featured, multiple terminals covering, quick to deliver, cost-effective, realizes pipe
Manage standardization, flow transparence, value maximization, safeguard that automation, air control are intelligent.
The present invention provides the debt-credit method based on internet, comprises the following steps：
Real-name authentication, when debt-credit backstage receives the real-name authentication request of terminal transmission, user profile is obtained from terminal, is adjusted
Real-name authentication is carried out according to the user profile with four key element real-name authentication interfaces, and feeds back authentication result, the user profile
Including name, identity card, phone number, bank's card number；
Submit loan application, the authentication result be certification by when, the terminal submits loan application to the debt-credit
From the background, the loan application includes the amount of the loan, the length of maturity, mode of repayment；
Loan limit is assessed, when the debt-credit backstage receives the loan application, obtains air control model according to the loan
Money application assess loan limit, feedback can loan limit, concurrently send electronic contract to the terminal；
Offer loans, when the debt-credit backstage receives the electronic contract of the terminal feedback, call Third-party payment to connect
Mouthful according to described in can loan limit offer loans to loan account.
Further, the air control model includes credit scoring model, rule model, loan limit assessment models, described
Credit scoring model and the rule model obtain credit scoring and rule decision result, the loan limit according to user data
Assessment models can loan limit according to obtaining the credit scoring, the rule decision result, the loan application.
Further, the loan limit assessment models are abstracted as following mathematic(al) representations：
S=min (I, A, L)
I=G*R*D*M
Wherein, S can loan limit for described in；I is income amount；A is the amount of the loan；L is that the upper limit controls amount；G
For monthly disposable income；R is adjustment to income coefficient；D is the length of maturity；M is credit scoring regulation coefficient.
Further, the step is also refunded automatically after offering loans including step, and the debt-credit backstage is according to
Mode of repayment enters the line previous generation and detains refund, and updates the user data.
A kind of electronic equipment, including：Processor；Memory；And program, wherein described program are stored in the storage
In device, and it is configured to by computing device, described program includes being used to perform the above-mentioned debt-credit method based on internet.
A kind of computer-readable recording medium, is stored thereon with computer program, and the computer program is held by processor
The above-mentioned debt-credit method based on internet of row.
Balance system based on internet, including terminal AM access module, management module, air control module, interface module, it is described
Terminal AM access module provides terminal entry, and the terminal inputs user profile, credit information by the terminal input module, is
System information, the management module are used for the loan requests and data processing request for responding the terminal AM access module, the management
Module call the air control resume module described in loan requests, obtain can loan limit, the management module will described in can provide a loan
Amount is sent to the terminal AM access module, and the interface module is the terminal AM access module, the management module, the wind
Control module and interface is provided, data processing request described in the management module calling interface modules handle, obtain data processing
As a result, the management module sends the data processed result to the terminal AM access module.
Further, the air control module includes credit scoring model, rule model, loan limit assessment models, described
Credit scoring model and the rule model obtain credit scoring and rule decision result, the loan limit according to user data
Assessment models can loan limit according to obtaining the credit scoring, the rule decision result, the credit information.
Further, the user profile includes name, identity card, phone number, bank's card number.
Further, the interface module includes Third-party payment interface, real-name authentication interface, Electronic Signature interface, recognized
Card reference interface, main strategies interface, finance do supervisory systems interface, internal system interface, and the management module passes through institute
State Third-party payment interface to offer loans, the management module is carried out by the real-name authentication interface according to the user profile
Real-name authentication, the management module obtain the user data by the internal system interface, and the management module passes through institute
State Electronic Signature interface and sign electronic contract, the management module is connect by the certification reference interface, the main strategies
Mouth, the finance do supervisory systems interface, the internal system interface obtains the user data.
Compared with prior art, the beneficial effects of the present invention are：
Debt-credit method of the invention based on internet, including step real-name authentication, submit loan application, assess loan value
Degree, offers loans；The invention further relates to a kind of electronic equipment and computer-readable recording medium；The invention further relates to based on interconnection
The balance system of net, including terminal AM access module, management module, air control module, interface module, the present invention construct small on pure line
Volume credit operation system, the region limitation of traditional micro-credit is spanned, system is based on banking system architecture design, and function is complete
Face, multiple terminals covering is quick to deliver, cost-effective, realizes management standardization, flow transparence, value maximization, maintenance certainly
Dynamicization, air control are intelligent.
Described above is only the general introduction of technical solution of the present invention, in order to better understand the technological means of the present invention,
And can be practiced according to the content of specification, below with presently preferred embodiments of the present invention and coordinate accompanying drawing describe in detail as after.
The embodiment of the present invention is shown in detail by following examples and its accompanying drawing.
Brief description of the drawings
Accompanying drawing described herein is used for providing a further understanding of the present invention, forms the part of the application, this hair
Bright schematic description and description is used to explain the present invention, does not form inappropriate limitation of the present invention.In the accompanying drawings：
Fig. 1 is the petty load method flow diagram based on internet of the present invention；
Fig. 2 is the petty load system structure diagram based on internet of the present invention；
Fig. 3 is the petty load system architecture diagram based on internet of the present invention.
Embodiment
Below, with reference to accompanying drawing and embodiment, the present invention is described further, it is necessary to which explanation is, not
Under the premise of afoul, new implementation can be formed between various embodiments described below or between each technical characteristic in any combination
Example.
Debt-credit method based on internet, in one embodiment, debt-credit method are specially petty load method, such as Fig. 1 institutes
Show, comprise the following steps：
Real-name authentication, when debt-credit backstage receives the real-name authentication request of terminal transmission, user profile is obtained from terminal, is adjusted
Real-name authentication is carried out according to user profile with four key element real-name authentication interfaces, and feeds back authentication result, user profile include name,
Identity card, phone number, bank's card number, in one embodiment, as shown in Fig. 2 user passes through PC ends, APP ends and wechat end
Foreground system carries out account registration, and real-name authentication is carried out after the completion of registration, requires that user inputs name, identity according to loan guide
Four key elements of input are delivered to small loan background system, small loan background system by card, phone number, the key element of bank's card number four, system
Four key element real-name authentication interfaces of Third-party payment platform are called to carry out real-name authentication, Third-party payment platform returns authentication result
It is back to small loan background system.
Submit loan application, authentication result be certification by when, terminal submit loan application to borrow or lend money backstage, loan application
Including the amount of the loan, the length of maturity, mode of repayment, in one embodiment, " I will provide a loan " function that user passes through foreground system
The amount of the loan, the length of maturity, mode of repayment completion loan application flow are inputted, after loan application is submitted to small loan by foreground system
Platform system.
Loan limit is assessed, when debt-credit backstage receives loan application, air control model is obtained and is borrowed according to loan application assessment
Amount of money degree, feedback can loan limit, concurrently send electronic contract to terminal, in one embodiment, it is preferable that air control model includes letter
Obtained and believed according to user data with Rating Model, rule model, loan limit assessment models, credit scoring model and rule model
With scoring and rule decision result, loan limit assessment models according to credit scoring, rule decision result, loan application obtain can
Loan limit, it is preferable that loan limit assessment models are abstracted as following mathematic(al) representations：
S=min (I, A, L)
I=G*R*D*M
Wherein, S is can loan limit；I is income amount；A is the amount of the loan；L is that the upper limit controls amount；G is monthly may be used
Dominate income；R is adjustment to income coefficient；D is the length of maturity；M is credit scoring regulation coefficient.
In one embodiment, user data includes active gathered data and passive gathered data, and active gathered data is will
The large batch of large database concept for importing air control system of data or internet data that third company opens；Passive gathered data
During to there is loan application, internal financial data, ERP data, loan data, cooperation data are gathered.
In one embodiment, after small loan background system receives loan application, small background system of borrowing calls air control system
Air control model, decision engine carry out big data analysis to the basic condition of user, according to the internal data of air control system, external number
Built one's credit Rating Model and rule model according to, user data, credit scoring and rule decision are obtained according to user data respectively
As a result, loan limit assessment models are established according to credit scoring and rule decision result, according to credit scoring, rule decision knot
Fruit, loan application assess loan limit, provide can loan limit, Rating Model and rule model composition loan risk control hand
Section, loan application is standardized for Rating Model and rule model and the examination ＆ approval of mass processing, Rating Model for it is quantifying,
The risk techniques instrument of science, Rating Model include internal data, external data, user data, risk elements and expert's business
Experience, Rating Model extract major part and form scoring instrument, the traffic issues of complexity are simplified, Rating Model is risk judgment
With the core of strategy application, overall, main, standard risk Law is reflected, rule model is supplementary means, regular mould
Type catches local, secondary, special risk Law, and such as experiential extreme risk situation, product policy, region are worked as
The preceding feature of risk for being still not suitable for or being difficult to embody in Rating Model is supplemented Rating Model in the form of rules,
Specific aim and the flexibility of strategy design are enhanced, more meets the data of the needs of practical business, Rating Model and rule model
All derive from system data.
Offer loans, when debt-credit backstage receives the electronic contract of terminal feedback, call Third-party payment interface according to can
Loan limit is offered loans to loan account, and in one embodiment, after the examination ＆ approval of the loan application of user pass through, user signs online
Electronic contract, offered loans after the completion of contract signing by the Third-party payment interface of external system interface to the bank card of user
Account, after loan origination, according to mode of repayment, enter and withhold refund on line automatically, while update the amount and correlation of user
Data message.
In one embodiment, it is preferable that step is also refunded automatically after offering loans including step, and debt-credit backstage is according to also
Money mode enters the line previous generation and detains refund, and updates user data.
In one embodiment, a kind of electronic equipment, including：Processor；Memory；And program, its Program are stored
In memory, and it is configured to by computing device, program includes being used to perform the above-mentioned debt-credit method based on internet；
A kind of computer-readable recording medium, is stored thereon with computer program, and computer program is executed by processor above-mentioned based on mutual
The debt-credit method of networking.
Balance system based on internet, in one embodiment, as shown in figure 3, balance system is specially petty load system
System, including terminal AM access module, management module, air control module, interface module, terminal AM access module provide terminal entry, terminal
User profile, credit information, system information are inputted by terminal input module, management module is used to respond terminal AM access module
Loan requests and data processing request, management module call air control resume module loan requests, obtain can loan limit, manage mould
Block can loan limit send to terminal AM access module, interface module is terminal AM access module, management module, air control module provide
Interface, management module calling interface module process data processing request, obtains data processed result, and management module is by data processing
As a result send to terminal AM access module.
In one embodiment, it is preferable that air control module includes credit scoring model, rule model, loan limit and assesses mould
Type, credit scoring model and rule model obtain credit scoring and rule decision result according to user data, and loan limit is assessed
Model according to credit scoring, rule decision result, credit information obtain can loan limit.
In one embodiment, it is preferable that user profile includes name, identity card, phone number, bank's card number.
In one embodiment, foreground system is terminal input module, and foreground system is recognized including homepage, registration, login, identity
Demonstrate,prove, I will provide a loan, I will carry volume, my loan, my account, system setup module, foreground system offer user oriented end
End entrance, small loan background system is management module, and small loan background system includes customer account management, quota control, service management, risk
Management, capital management, contract management, post-loan management, statistical report form module, small loan background system provides management function, and handles
The user's loan requests and data processing request that foreground system is sent, loan result and data are returned into foreground system, respectively
With air control system and external system interface interactive information, air control system is air control module, and external system interface is interface module, wind
Control system includes air control model, analyze data, decision engine, tactful automation, INDEX MANAGEMENT, regulation management, black and white lists, sign
Believe reporting modules, air control system is built according to the loan application of foreground system offer air control module, risk policy customizes, loan wind
Danger is assessed and big data analytic function, it is preferable that interface module includes Third-party payment interface, real-name authentication interface, electronics label
Chapter interface, certification reference interface, main strategies interface, finance do supervisory systems interface, internal system interface, and management module is led to
Cross Third-party payment interface to offer loans, management module carries out real-name authentication, pipe by real-name authentication interface according to user profile
Manage module and electronic contract, management are signed by Electronic Signature interface by internal system interface captures user data, management module
Module does supervisory systems interface, internal system interface captures user number by certification reference interface, main strategies interface, finance
According to.
Debt-credit method of the invention based on internet, including step real-name authentication, submit loan application, assess loan value
Degree, offers loans；The invention further relates to a kind of electronic equipment and computer-readable recording medium；The invention further relates to based on interconnection
The balance system of net, including terminal AM access module, management module, air control module, interface module, the present invention construct small on pure line
Volume credit operation system, the region limitation of traditional micro-credit is spanned, system is based on banking system architecture design, and function is complete
Face, multiple terminals covering is quick to deliver, cost-effective, realizes management standardization, flow transparence, value maximization, maintenance certainly
Dynamicization, air control are intelligent.
More than, only presently preferred embodiments of the present invention, any formal limitation not is made to the present invention；All one's own professions
The those of ordinary skill of industry can swimmingly implement the present invention shown in by specification accompanying drawing and above；But all to be familiar with sheet special
The technical staff of industry without departing from the scope of the present invention, is made a little using disclosed above technology contents
The equivalent variations of variation, modification and evolution, it is the equivalent embodiment of the present invention；Meanwhile all substantial technologicals according to the present invention
Variation, modification and evolution of any equivalent variations made to above example etc., still fall within technical scheme
Within protection domain.
Claims (10)
1. the debt-credit method based on internet, it is characterised in that comprise the following steps：
Real-name authentication, when debt-credit backstage receives the real-name authentication request of terminal transmission, user profile is obtained from terminal, calls four
Key element real-name authentication interface carries out real-name authentication according to the user profile, and feeds back authentication result, and the user profile includes
Name, identity card, phone number, bank's card number；
Submit loan application, the authentication result be certification by when, the terminal submits loan application to the debt-credit backstage,
The loan application includes the amount of the loan, the length of maturity, mode of repayment；
Loan limit is assessed, when the debt-credit backstage receives the loan application, obtains air control model according to the loan Shen
Please assess loan limit, feedback can loan limit, concurrently send electronic contract to the terminal；
Offer loans, when the debt-credit backstage receives the electronic contract of the terminal feedback, call Third-party payment interface root
According to it is described can loan limit offer loans to loan account.
2. the debt-credit method based on internet as claimed in claim 1, it is characterised in that：The air control model is commented including credit
Sub-model, rule model, loan limit assessment models, the credit scoring model obtain credit scoring, institute according to user data
State rule model according to user data obtain rule decision result, the loan limit assessment models according to the credit scoring,
Can loan limit described in the rule decision result and loan application acquisition.
3. the debt-credit method based on internet as claimed in claim 2, it is characterised in that：The loan limit assessment models are taken out
As for following mathematic(al) representations：
S=min (I, A, L)
I=G*R*D*M
Wherein, S can loan limit for described in；I is income amount；A is the amount of the loan；L is that the upper limit controls amount；G is every
Month disposable income；R is adjustment to income coefficient；D is the length of maturity；M is credit scoring regulation coefficient.
4. the debt-credit method based on internet as claimed in claim 1, it is characterised in that：The step is gone back after offering loans
Refunded automatically including step, the debt-credit backstage enters the line previous generation according to the mode of repayment and detains refund, and updates the user
Data.
5. a kind of electronic equipment, it is characterised in that including：Processor；Memory；And program, wherein described program are stored in
In the memory, and it is configured to by computing device, described program includes being used for perform claim requirement 1-4 any one
Described method.
6. a kind of computer-readable recording medium, is stored thereon with computer program, it is characterised in that：The computer program quilt
Method of the computing device as described in claim 1-4 any one.
7. the balance system based on internet, it is characterised in that：Including terminal AM access module, management module, air control module, interface
Module, the terminal AM access module provide terminal entry, and the terminal inputs user profile by the terminal input module, borrowed
Money information, system information, the management module are used for the loan requests and data processing request for responding the terminal AM access module,
The management module call the air control resume module described in loan requests, obtain can loan limit, the management module is by institute
State can loan limit send to the terminal AM access module, the interface module is the terminal AM access module, the management mould
Block and the air control module provide interface, data processing request described in the management module calling interface modules handle, obtain
To data processed result, the management module sends the data processed result to the terminal AM access module.
8. the balance system based on internet as claimed in claim 7, it is characterised in that：The air control module is commented including credit
Sub-model, rule model, loan limit assessment models, the credit scoring model and the rule model obtain according to user data
Credit scoring and rule decision result are taken, the loan limit assessment models are according to the credit scoring, the rule decision knot
Can loan limit described in fruit and credit information acquisition.
9. the balance system based on internet as claimed in claim 7, it is characterised in that：The user profile include name,
Identity card, phone number, bank's card number.
10. the balance system based on internet as claimed in claim 9, it is characterised in that：The interface module includes the 3rd
Square payment interface, real-name authentication interface, Electronic Signature interface, certification reference interface, main strategies interface, finance do supervision system
System interface, internal system interface, the management module are offered loans by the Third-party payment interface, and the management module is led to
Cross the real-name authentication interface and real-name authentication is carried out according to the user profile, the management module is connect by the internal system
Mouth obtains the user data, and the management module passes through the Electronic Signature interface and signs electronic contract, the management module
By the certification reference interface, the main strategies interface, the finance does supervisory systems interface, the internal system connects
Mouth obtains the user data.
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| CN201710534203.2A CN107464183A (en) | 2017-07-03 | 2017-07-03 | Debt-credit method, electronic equipment, storage medium and system based on internet |
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| CN201710534203.2A CN107464183A (en) | 2017-07-03 | 2017-07-03 | Debt-credit method, electronic equipment, storage medium and system based on internet |
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Address after: 510000 Room 201, No. 515 Dongfeng Middle Road, Yuexiu District, Guangzhou, Guangdong (Part 201, Unit No.) Applicant after: Guangzhou Timon Polytron Technologies Inc Address before: 510631 01, 2 floor, A building, 89 Zhongshan Avenue, Tianhe District, Guangzhou, Guangdong. Applicant before: Guangzhou Timon Polytron Technologies Inc |
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Application publication date: 20171212 |