CN107730777A - A kind of loan done by oneself machine background management system and method - Google Patents
A kind of loan done by oneself machine background management system and method Download PDFInfo
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- CN107730777A CN107730777A CN201711116904.0A CN201711116904A CN107730777A CN 107730777 A CN107730777 A CN 107730777A CN 201711116904 A CN201711116904 A CN 201711116904A CN 107730777 A CN107730777 A CN 107730777A
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- 238000000034 method Methods 0.000 title claims abstract description 14
- 239000000463 material Substances 0.000 claims abstract description 17
- 238000004891 communication Methods 0.000 claims abstract description 15
- 238000007726 management method Methods 0.000 claims description 114
- 238000012545 processing Methods 0.000 claims description 18
- 238000012552 review Methods 0.000 claims description 6
- 238000012502 risk assessment Methods 0.000 claims description 6
- 238000013500 data storage Methods 0.000 claims description 3
- 239000000284 extract Substances 0.000 claims description 3
- 238000012544 monitoring process Methods 0.000 claims description 3
- 238000005516 engineering process Methods 0.000 description 2
- 238000012360 testing method Methods 0.000 description 2
- 230000002159 abnormal effect Effects 0.000 description 1
- 230000009286 beneficial effect Effects 0.000 description 1
- 238000006243 chemical reaction Methods 0.000 description 1
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- 210000004209 hair Anatomy 0.000 description 1
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- 238000012797 qualification Methods 0.000 description 1
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- 239000002699 waste material Substances 0.000 description 1
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- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
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- 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
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Abstract
The present invention discloses a kind of loan done by oneself machine background management system and method, the communication management module divided into including system, air control examines module, product release module, calculate management module, generalized information management module, application materials management module and post-loan management module, through the above way, the present invention provides a kind of loan done by oneself machine background management system and method, offered a loan for major financial institution and apply for backstage comprehensive management platform, highly effective and safe manages loan application, improve examination ＆ approval efficiency, effectively reduce credit risk existing for net loan, risk of fraud and scene risk.
Description
Technical field
The present invention relates to a kind of loan done by oneself machine background management system and method.
Background technology
Under traditional line there are various disadvantages in financial service point：
1st, service point/stay shop/agency, scene radiation is small, material resources cost is high, the market expansion is difficult；
2nd, loan officer/visit to the parents of schoolchildren or young workers person, waste of human resource, personnel frequency are high；
3rd, label/fraud of cheating loan/emit is formed a partnership, risk of fraud is high, and penalty cost is low；
4th, flow is complicated, and formality is cumbersome, examination ＆ approval are slow, experience is poor, efficiency is low；
5th, system limitation, consumption structure are dull, focus on top-tier customer, lose general marketplace.
Various disadvantages be present in pattern of being provided a loan in emerging the Internet line：
1st, credit risk is big, as P2P runs away, false qualification, arbitrage risk and steals card risk；
2nd, risk of fraud is big, such as fishing website, abnormal order, wool party, Hei Chan intermediaries；
3rd, scene risk is big, such as using safety problem, non-traceable environmental problem, on-fixed means problem.
Lack high-quality loan back-stage management platform in the market.
The content of the invention
It is major the present invention solves the technical problem of a kind of loan done by oneself machine background management system and method is provided
Financial institution, which offers a loan, applies for backstage comprehensive management platform, highly effective and safe management loan application, improves examination ＆ approval efficiency, effectively drops
Credit risk, risk of fraud and scene risk existing for low net loan.
In order to solve the above technical problems, one aspect of the present invention is：A kind of loan done by oneself machine backstage is provided
Management system and method, it is connected to comprising User Information Database, terminal information database, financial institute information database, business
Family information database, contract information database, the server of sequence information database, including the telecommunication management mould that system is divided into
Block, air control examine module, product release module, measuring and calculating management module, generalized information management module, application materials management module with
And post-loan management module,
The communication management module connects up server network interface, connects central processing module downwards,
The air control examines that module connects up input/output interface, makees artificial first trial, anti-fraud to loan application data
Verify review, big data risk assessment and last instance simultaneously, connect central processing module downwards, by communication management module by result
Data for presentation server；
The product release module connects up input/output interface, obtains financial institution and specifies consumer lines and finance to produce
Product information, connects downwards central processing module, and data are uploaded onto the server by communication management module；
The measuring and calculating management module connects up input/output interface, obtain that financial institution formulates it is accurate borrow amount rule,
Born interest rule, connects central processing module downwards, and rule is applied into server by communication management module；
The generalized information management module connects up database interface, connects central processing module filing downwards and arranges use
Family information, end message, financial institute information, merchant information, contract information and sequence information；
The application materials management module connects up data cache interface, and connection server extracts loan application data,
Connection central processing module downwards, generalized information management module is delivered to by data；
The post-loan management module is used for from server monitoring loan status, inquiry customer care information, sets blacklist.
A kind of application method of loan done by oneself machine background management system, comprises the following steps：
Step 1：Periodically renewal consumer lines information data and financial product information data are uploaded to server；
Step 2：Periodically to user management module, termination management module, financial institution's management module, trade company's management module,
Data storage under contract management module, order management module arranges and backup；
Step 3：The loan application information and application materials that loan done by oneself machine is committed to server are obtained in real time；
Step 4：According to application information and application materials, consumer lines information data, financial product Information Number are verified one by one
According to this and to user management module, termination management module, financial institution's management module, trade company's management module, contract management module,
Information under order management module is done to be verified one by one, and the notice that refuses an application is sent to server if existence information conflict；
Step 5：First trial further is carried out to application information and application materials manually, review is verified in anti-fraud, big
Data risk assessment and last instance, final judgement is sent to server；
Step 6：From server obtain current loan application signing state, one by one renewal test consumer lines information data,
Financial product information data and user management module, termination management module, financial institution's management module, trade company's management module,
Data information under contract management module, order management module；
Step 7：Periodically to all loan status of server lookup, pre-alert notification is sent if it exception be present.
The beneficial effects of the invention are as follows：A kind of loan done by oneself machine background management system provided by the invention and method, are each
Big banking mechanism offer a loan application backstage comprehensive management platform, highly effective and safe management loan application, improve examination ＆ approval efficiency, effectively
Reduce credit risk, risk of fraud and scene risk existing for net loan.
Brief description of the drawings
Technical scheme in order to illustrate the embodiments of the present invention more clearly, make required in being described below to embodiment
Accompanying drawing is briefly described, it should be apparent that, drawings in the following description are only some embodiments of the present invention, for
For those of ordinary skill in the art, on the premise of not paying creative work, it can also be obtained according to these accompanying drawings other
Accompanying drawing, wherein：
Fig. 1 is the structure chart of a preferred embodiment of a kind of loan done by oneself machine background management system of the present invention and method.
Embodiment
The technical scheme in the embodiment of the present invention will be clearly and completely described below, it is clear that described implementation
Example is only the part of the embodiment of the present invention, rather than whole embodiments.It is common based on the embodiment in the present invention, this area
All other embodiment that technical staff is obtained under the premise of creative work is not made, belong to the model that the present invention protects
Enclose.
As shown in figure 1, the embodiment of the present invention includes：
A kind of loan done by oneself machine background management system and method, it is connected to comprising User Information Database, end message number
According to storehouse, financial institute information database, merchant information database, contract information database, sequence information database server,
The communication management module divided into including system, air control examine module, product release module, measuring and calculating management module, integrated information pipe
Module, application materials management module and post-loan management module are managed,
The communication management module connects up server network interface, connects central processing module downwards,
The air control examines that module connects up input/output interface, makees artificial first trial, anti-fraud to loan application data
Verify review, big data risk assessment and last instance simultaneously, connect central processing module downwards, by communication management module by result
Data for presentation server；
The product release module connects up input/output interface, obtains financial institution and specifies consumer lines and finance to produce
Product information, connects downwards central processing module, and data are uploaded onto the server by communication management module；
The measuring and calculating management module connects up input/output interface, obtain that financial institution formulates it is accurate borrow amount rule,
Born interest rule, connects central processing module downwards, and rule is applied into server by communication management module；
The generalized information management module connects up database interface, connects central processing module filing downwards and arranges use
Family information, end message, financial institute information, merchant information, contract information and sequence information；
The application materials management module connects up data cache interface, and connection server extracts loan application data,
Connection central processing module downwards, generalized information management module is delivered to by data；
The post-loan management module is used for from server monitoring loan status, inquiry customer care information, sets blacklist.
A kind of application method of loan done by oneself machine background management system, comprises the following steps：
Step 1：Periodically renewal consumer lines information data and financial product information data are uploaded to server；
Step 2：Periodically to user management module, termination management module, financial institution's management module, trade company's management module,
Data storage under contract management module, order management module arranges and backup；
Step 3：The loan application information and application materials that loan done by oneself machine is committed to server are obtained in real time；
Step 4：According to application information and application materials, consumer lines information data, financial product Information Number are verified one by one
According to this and to user management module, termination management module, financial institution's management module, trade company's management module, contract management module,
Information under order management module is done to be verified one by one, and the notice that refuses an application is sent to server if existence information conflict；
Step 5：First trial further is carried out to application information and application materials manually, review is verified in anti-fraud, big
Data risk assessment and last instance, final judgement is sent to server；
Step 6：From server obtain current loan application signing state, one by one renewal test consumer lines information data,
Financial product information data and user management module, termination management module, financial institution's management module, trade company's management module,
Data information under contract management module, order management module；
Step 7：Periodically to all loan status of server lookup, pre-alert notification is sent if it exception be present.
In summary, it is major financial institution the invention provides a kind of loan done by oneself machine background management system and method
Offer a loan and apply for backstage comprehensive management platform, highly effective and safe management loan application, improve examination ＆ approval efficiency, effectively reduction net loan is deposited
Credit risk, risk of fraud and scene risk.
Embodiments of the invention are the foregoing is only, are not intended to limit the scope of the invention, it is every to utilize this hair
The equivalent structure or equivalent flow conversion that bright description is made, or directly or indirectly it is used in other related technology necks
Domain, it is included within the scope of the present invention.
Claims (2)
1. a kind of loan done by oneself machine background management system, it is characterised in that be connected to comprising User Information Database, end message
The service of database, financial institute information database, merchant information database, contract information database, sequence information database
Device, including communication management module, air control examination module, product release module, measuring and calculating management module, the integrated information that system is divided into
Management module, application materials management module and post-loan management module,
The communication management module connects up server network interface, connects central processing module downwards,
The air control examines that module connects up input/output interface, makees artificial first trial, anti-fraud checking to loan application data
Review, big data risk assessment and last instance simultaneously, connect downwards central processing module, by communication management module by result data
Deliver server；
The product release module connects up input/output interface, obtains financial institution and specifies consumer lines and financial product letter
Breath, connects downwards central processing module, data is uploaded onto the server by communication management module；
The measuring and calculating management module connects up input/output interface, obtains the standard that financial institution formulates and borrows amount rule, bears interest
Rule, central processing module is connected downwards, rule is applied to by server by communication management module；
The generalized information management module connects up database interface, connects central processing module filing downwards and arranges user's letter
Breath, end message, financial institute information, merchant information, contract information and sequence information；
The application materials management module connects up data cache interface, and connection server extracts loan application data, downwards
Central processing module is connected, data is delivered into generalized information management module；
The post-loan management module is used for from server monitoring loan status, inquiry customer care information, sets blacklist.
2. a kind of application method of loan done by oneself machine background management system, it is characterised in that comprise the following steps：
Step 1：Periodically renewal consumer lines information data and financial product information data are uploaded to server；
Step 2：Periodically to user management module, termination management module, financial institution's management module, trade company's management module, contract
Data storage under management module, order management module arranges and backup；
Step 3：The loan application information and application materials that loan done by oneself machine is committed to server are obtained in real time；
Step 4：According to application information and application materials, verify one by one consumer lines information data, financial product information data with
And to user management module, termination management module, financial institution's management module, trade company's management module, contract management module, order
Information under management module is done to be verified one by one, and the notice that refuses an application is sent to server if existence information conflict；
Step 5：First trial, anti-fraud checking review, big data are further carried out to application information and application materials manually
Risk assessment and last instance, final judgement is sent to server；
Step 6：The signing state of current loan application is obtained from server, consumer lines information data, finance are tested in renewal one by one
Product information data and user management module, termination management module, financial institution's management module, trade company's management module, contract
Data information under management module, order management module；
Step 7：Periodically to all loan status of server lookup, pre-alert notification is sent if it exception be present.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201711116904.0A CN107730777A (en) | 2017-11-13 | 2017-11-13 | A kind of loan done by oneself machine background management system and method |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
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| CN201711116904.0A CN107730777A (en) | 2017-11-13 | 2017-11-13 | A kind of loan done by oneself machine background management system and method |
Publications (1)
| Publication Number | Publication Date |
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| CN107730777A true CN107730777A (en) | 2018-02-23 |
Family
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201711116904.0A Pending CN107730777A (en) | 2017-11-13 | 2017-11-13 | A kind of loan done by oneself machine background management system and method |
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Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN109003177A (en) * | 2018-06-06 | 2018-12-14 | 广州云化信息科技有限公司 | Reference management system |
| CN109472692A (en) * | 2018-10-31 | 2019-03-15 | 厦门市七星通联科技有限公司 | It is a kind of based on the anti-auditing system of task by stages cheated and method |
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| US20040034592A1 (en) * | 2002-08-15 | 2004-02-19 | Limin Hu | Loan origination system interface for online loan application processing |
| US20100287092A1 (en) * | 2004-02-25 | 2010-11-11 | Bank One, Delaware National Association | Method and system for real estate loan administration |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN109003177A (en) * | 2018-06-06 | 2018-12-14 | 广州云化信息科技有限公司 | Reference management system |
| CN109472692A (en) * | 2018-10-31 | 2019-03-15 | 厦门市七星通联科技有限公司 | It is a kind of based on the anti-auditing system of task by stages cheated and method |
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| PB01 | Publication | ||
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Application publication date: 20180223 |