CN108648067A - The loan measures and procedures for the examination and approval, device, computer equipment and storage medium - Google Patents

The loan measures and procedures for the examination and approval, device, computer equipment and storage medium Download PDF

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CN108648067A
CN108648067A CN201810436764.3A CN201810436764A CN108648067A CN 108648067 A CN108648067 A CN 108648067A CN 201810436764 A CN201810436764 A CN 201810436764A CN 108648067 A CN108648067 A CN 108648067A
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loan
terminal
image information
face image
human face
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周栋
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Ping An Puhui Enterprise Management Co Ltd
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Ping An Puhui Enterprise Management Co Ltd
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Priority to CN201810436764.3A priority Critical patent/CN108648067A/en
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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/03Credit; Loans; Processing thereof
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q10/00Administration; Management
    • G06Q10/02Reservations, e.g. for tickets, services or events

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Abstract

The embodiment of the present application discloses a kind of loan measures and procedures for the examination and approval, device, computer equipment and storage medium, wherein method:It receives the loan application that first terminal is sent and loan task order is generated according to loan application;Loan task order is sent to first terminal;The reserve requests instruction that first terminal is sent is received, and the first human face image information is associated with loan task order;It sends and geographical location information is relevant preengages shops's information to first terminal for selection by the user;Receive the shops's title for user's selection that first terminal is sent;Receive the second human face image information that second terminal is sent;If the second human face image information and the first facial image information match, loan task order associated with the first human face image information is sent to second terminal, to complete loan examination & approval.The loan measures and procedures for the examination and approval can provide a kind of quickly pattern of lending with safety, and then improve the Experience Degree of user.

Description

The loan measures and procedures for the examination and approval, device, computer equipment and storage medium
Technical field
This application involves Internet technical field more particularly to a kind of loan measures and procedures for the examination and approval, device, computer equipment and deposit Storage media.
Background technology
Currently, with the fast development of China's economy, financial market be gradually improved and it is ripe, the consumer finance obtains country Policy support, and flourishing.The consumer finance has shortened the loan examination & approval phase into examining on line by internet There is balance risk control in limit, examination & approval of reaching the standard grade.And examined on current line, it cannot still meet the client and loan examination & approval are wanted It asks, there is an urgent need for improve the ability of risk identification and examination & approval timeliness.Therefore, it is necessary to which it is quick to provide to provide a kind of loan measures and procedures for the examination and approval With the pattern of lending of safety.
Invention content
This application provides a kind of loan measures and procedures for the examination and approval, device, computer equipment and storage mediums, to solve existing line Upper examination & approval have that risk and examination & approval are slower.
In a first aspect, this application provides a kind of loan measures and procedures for the examination and approval comprising:
It receives the loan application that first terminal is sent and loan task order is generated according to the loan application;
The loan task order is sent to the first terminal, wherein the loan task order includes reserve requests Button, the reserve requests button are used to trigger the first terminal and obtain the first human face image information of user and current institute Geographical location information and generate reserve requests instruction, reserve requests instruction include first human face image information with Geographical location information;
Receive the reserve requests instruction that the first terminal is sent, and by first human face image information with it is described Loan task order is associated;
It sends and the geographical location information is relevant preengages shops's information to the first terminal for the user Selection, wherein described, can to preengage shops's information include shops's title;
Receive the shops's title for the user selection that the first terminal is sent;
The second human face image information that second terminal is sent is received, wherein second human face image information is described second The human face image information for the active user that terminal obtains;
Judge whether second human face image information matches with first human face image information;
If second human face image information and the first facial image information match, send and first face The associated loan task order of image information is to the second terminal, to complete loan examination & approval.
Second aspect, this application provides a kind of loans to examine device comprising:
First receiving unit, for receive first terminal transmission loan application and according to the loan application generate provide a loan Task order;
First transmission unit, for sending the loan task order to the first terminal, wherein the loan task Order includes reserve requests button, and the reserve requests button is used to trigger the first face that the first terminal obtains user Image information and the geographical location information being currently located simultaneously generate reserve requests instruction, and the reserve requests instruction includes described First human face image information and geographical location information;
Second receiving unit, the reserve requests instruction sent for receiving the first terminal, and by described first Human face image information is associated with the loan task order;
Second transmission unit, for sending with the relevant shops's information of preengaging of the geographical location information to described first Terminal selects for the user, wherein described, can to preengage shops's information include shops's title;
Third receiving unit, shops's title for receiving the user selection that the first terminal is sent;
4th receiving unit, the second human face image information for receiving second terminal transmission, wherein second face Image information is the human face image information for the active user that the second terminal obtains;
First judging unit, for judge second human face image information and first human face image information whether phase Matching;
Third transmission unit, if for second human face image information and the first facial image information match, Loan task order associated with first human face image information is sent to the second terminal, to complete loan examination & approval.
The third aspect, present invention also provides a kind of computer equipments comprising memory, processor and is stored in described On memory and the computer program that can run on the processor, the processor realize the application when executing described program Any one of them loan measures and procedures for the examination and approval of offer.
Fourth aspect, present invention also provides a kind of storage mediums, wherein the storage medium is stored with computer program, The computer program includes program instruction, and described program instruction makes the processor execute the application when being executed by a processor Any one of them loan measures and procedures for the examination and approval of offer.
The embodiment of the present application is provided a loan by receiving the loan application of first terminal transmission and being generated according to the loan application Task order;The loan task order is sent to the first terminal;Receive the pre- invitation that the first terminal is sent Instruction is asked, and first human face image information is associated with the loan task order;It sends and believes with the geographical location It ceases and relevant preengages shops's information to the first terminal so that the user selects;Receive the institute that the first terminal is sent State shops's title of user's selection;Receive the second human face image information that second terminal is sent;If the second facial image letter Breath and the first facial image information match, send loan task order associated with first human face image information To the second terminal, to complete loan examination & approval.The loan measures and procedures for the examination and approval can provide a kind of quickly pattern of lending with safety, And then improve the Experience Degree of user.
Description of the drawings
It, below will be to needed in embodiment description in order to illustrate more clearly of the embodiment of the present application technical solution Attached drawing is briefly described, it should be apparent that, the accompanying drawings in the following description is some embodiments of the present application, general for this field For logical technical staff, without creative efforts, other drawings may also be obtained based on these drawings.
Fig. 1 is a kind of application scenarios schematic diagram of loan measures and procedures for the examination and approval provided by the embodiments of the present application;
Fig. 2 is a kind of schematic flow diagram for loan measures and procedures for the examination and approval that one embodiment of the application provides;
Fig. 3 is a kind of schematic flow diagram for loan measures and procedures for the examination and approval that another embodiment of the application provides;
Fig. 4 is the sub-step schematic flow diagram of the loan measures and procedures for the examination and approval in Fig. 3;
Fig. 5 is a kind of schematic block diagram for loan examination & approval device that one embodiment of the application provides;
Fig. 6 is a kind of schematic block diagram for loan examination & approval device that another embodiment of the application provides;
Fig. 7 is a kind of schematic block diagram for computer equipment that one embodiment of the application provides.
Specific implementation mode
Below in conjunction with the attached drawing in the embodiment of the present application, technical solutions in the embodiments of the present application carries out clear, complete Site preparation describes, it is clear that described embodiment is some embodiments of the present application, instead of all the embodiments.Based on this Shen Please in embodiment, every other implementation obtained by those of ordinary skill in the art without making creative efforts Example, shall fall in the protection scope of this application.
It should be appreciated that ought use in this specification and in the appended claims, term " comprising " and "comprising" instruction Described feature, entirety, step, operation, the presence of element and/or component, but one or more of the other feature, whole is not precluded Body, step, operation, element, component and/or its presence or addition gathered.
It is also understood that the term used in this present specification is merely for the sake of the mesh for describing specific embodiment And be not intended to limit the application.As present specification and it is used in the attached claims, unless on Other situations are hereafter clearly indicated, otherwise " one " of singulative, "one" and "the" are intended to include plural form.
It will be further appreciated that the term "and/or" used in present specification and the appended claims is Refer to any combinations and all possible combinations of one or more of associated item listed, and includes these combinations.
The embodiment of the present application provides a kind of loan measures and procedures for the examination and approval, device, computer equipment and storage medium.
In order to make it easy to understand, being first situated between to the application scenarios composition that the loan measures and procedures for the examination and approval of the embodiment of the present application are applicable in It continues.As shown in Figure 1, the application scenarios include first terminal, second terminal and server.
Wherein, first terminal and second terminal can be smart mobile phone, it is tablet computer, laptop, desktop computer, a The electronic equipments such as personal digital assistant and Wearable;Server can be independent server, can also be multiple servers The server cluster of composition.
Specifically, the first client, the second client and examination & approval backstage can be developed according to the loan measures and procedures for the examination and approval.Examination & approval Backstage can install in the server, and the first client can be mounted in first terminal, and the second client is mounted in second terminal, Completion is interacted quickly and safely to complete loan examination & approval with server using first terminal, second terminal.
Application scenarios based on Fig. 1 introduce a kind of loan measures and procedures for the examination and approval of one embodiment of this application offer, please join simultaneously Fig. 2 is read, Fig. 2 is a kind of schematic flow diagram for loan measures and procedures for the examination and approval that one embodiment of the application provides.As shown in Fig. 2, the loan The measures and procedures for the examination and approval include step S101~S111.
S101, first terminal send loan application to server.
In the present embodiment, first terminal is equipped with the first client, and the first client is application program, including webpage is answered With program and multipad etc., such as customer end A pp.It, can be at this after user logs in customer end A pp by first terminal Customer end A pp selects loan application function, and fills in corresponding credit information, and wherein the credit information includes:Personal information, occupation Information, house property information, identity document information and loan information etc., such as loaning bill data, bank card information, identity card and face Image information etc..Order information is clicked after user has filled in these information confirms that customer end A pp is then filled according to user Information generates loan application, and the loan application is sent to server.
S102, server receive the loan application and generate loan task order according to the loan application.
In the present embodiment, after server receives the loan application, to the credit information in the loan application into After the preliminary verification of row, copending loan task order is generated according to the loan application.Portion wherein in the loan task order Divide credit information that user scene is needed to carry out verification to handle.
S103, server send the loan task order to first terminal, wherein the loan task order includes Reserve requests button.
In the present embodiment, server sends the loan task order to first terminal so that first terminal is by the One client shows the loan task order, shows the loan task order for prompting user to apply for loan shape by App State.Specifically, show that the loan task order can show the corresponding order entry of the loan task order, the order entry packet It includes:Order number, address name, mortgage Item Information, order channel and lower single time etc..
Wherein, the loan task order includes reserve requests button, the reserve requests button for facilitate user into Row reservation operation chooses when where complete the order application so as to user.Thus the Experience Degree of user is improved.
It obtains the first human face image information of user in addition, reserve requests button is used to trigger the first terminal and works as The geographical location information at preceding place.First human face image information is that the people of user is collected by the camera of first terminal Face image information;The geographical location information carries geographical location residing when the terminal for active user, for example can be warp Latitude information etc..
S104, first terminal obtain the first human face image information of user and current institute according to the reserve requests button Geographical location information and generate reserve requests instruction.
In the present embodiment, if first terminal detects that user clicks the default request button, according to the default request Button opens the human face image information of the camera acquisition user of first terminal, while the position sensor for opening first terminal obtains Take the geographical location information that family is presently in.
First terminal is determining the geographical location information for getting the first human face image information of user and being currently located, Reserve requests instruction is generated according to first human face image information and geographical location information.
S105, first terminal send the reserve requests and instruct to server.
In the present embodiment, the first terminal transmission reserve requests, which are instructed to server, has been used for notification server user It needs to handle the loan task order through reservation.Wherein, reserve requests instruction include first human face image information with Geographical location information.Server also gets corresponding first facial image when receiving the reserve requests instruction Information and geographical location information.
S106, server are associated with the loan task order by first human face image information.
In the present embodiment, server is by first human face image information is associated with the loan task order The first human face image information of user is carried out binding with the loan task order of the user to be associated with, it is described the first will pass through Face image information is associated with corresponding loan task order.
S107, server are sent with the relevant shops's information of preengaging of the geographical location information to first terminal.
In the present embodiment, it includes shops's title and corresponding subscription time that this, which can preengage shops's information, wherein described can It is related to the geographical location information to preengage shops's information, for example selection can within 2000m with the geographical location information distance Reservation shops information which thereby enhances user experience so that user selects nearby.
Wherein, server send with the geographical location information it is relevant preengage shops's information to first terminal so that First terminal shows that this can preengage shops's information corresponding shops's title for selection by the user by the first client.
Specifically, display with the geographical location information where the user is relevant preengages shops's information, specifically can be with It is shown by way of drop-down menu in preset window, when drop-down menu shows the corresponding reservation of selectable shops's title Between.
The shops's title for the user selection that S108, first terminal are sent is to server.
Specifically, when can preengage selection shops's title in shops's information in drop-down menu and preset accordingly Between, such as XX to XX corresponding 9:00 to 11:00, first terminal can then obtain shops's title and the reservation of user selection Time, and the shops's title and subscription time that the user selects are sent to server.
S109, second terminal send the second human face image information to server.
In the present embodiment, wherein second human face image information is the people for the active user that the second terminal obtains Face image information.Specifically, for user after selection subscription time and corresponding shops, then the shops that can arrive its selection carries out scene Handle agency.After shops of the user to its reservation, the business personnel of the shops can then collect the use at scene by second terminal The human face image information at family.It is sent to server after having acquired the second human face image information of user.
S110, server judge whether second human face image information matches with first human face image information.
In the present embodiment, server according to face recognition technology identification judge second human face image information with it is described Whether the first human face image information matches, if second human face image information and the first human face image information phase Match, thens follow the steps S111;If second human face image information is not matched that with first human face image information, send out Send order number prompt message for prompting user to show the corresponding order number of loan task order by first terminal.
S111, server transmission loan task order associated with first human face image information to described second are eventually End is to complete loan examination & approval.
In the present embodiment, if second human face image information and the first facial image information match, service Device sends loan task order associated with first human face image information to the second terminal so that business personnel is logical It crosses second terminal and user carries out scene signing and confirms, thus complete loan approval process.
The loan measures and procedures for the examination and approval in above-described embodiment by filled out on first terminal line it is single with generate loan task order with And preliminary audit survey is carried out according to the credit information that first terminal is filled in, in the facial image letter that first terminal and second terminal acquire When manner of breathing matches, scene signing is carried out to complete loan approval process by second terminal.It, should compared with being examined on existing line The measures and procedures for the examination and approval of providing a loan are safer, at the same save examined under line in cumbersome approval process, therefore the loan measures and procedures for the examination and approval can help Client quickly and safely completes loan examination & approval, and then improves the experience of user.
Application scenarios based on Fig. 1 are introduced a kind of loan measures and procedures for the examination and approval that another embodiment of this application provides, are asked simultaneously It is a kind of schematic flow diagram for loan measures and procedures for the examination and approval that one embodiment of the application provides refering to Fig. 3, Fig. 3.As shown in figure 3, the loan The money measures and procedures for the examination and approval include step S201~S215.
S201, the subscriber identity information that first terminal is sent is received.
In the present embodiment, user registers firstly the need of the first client in first terminal, is needed in registration It needs to fill in subscriber identity information, which includes the essential information of user, identity document information and needs Third human face image information of acquisition etc..
S202, judge whether the loan credit of the user meets the default terms of loan according to the subscriber identity information.
In the present embodiment, as shown in figure 4, according to the loan credit for judging the user according to the subscriber identity information Whether satisfaction presets the terms of loan, specifically includes sub-step S202a and S202c.
Wherein, S202a, judge face figure in the identity document information of the third human face image information and the user As whether information matches;If S202b, the third human face image information and the face in the identity document information of the user Image information matches, and the user is judged whether in default blacklist according to the identity document information, wherein described pre- If blacklist is that there are the user lists of record of bad behavior in reference report;If S202c, the user do not preset black name described Dan Zhong then judges that the loan credit of the user meets the default terms of loan.
Preliminary audit survey is carried out to the user by the report of third human face image information, identity document information and reference, is sentenced Whether the disconnected user meets the default terms of loan, if the loan credit of the user meets the default terms of loan, executes step Rapid S203.
S203, the loan application for receiving first terminal transmission simultaneously generate loan task order according to the loan application.
In the present embodiment, if the loan credit of the user meets the default terms of loan, first terminal hair is received The loan application that send simultaneously generates loan task order according to the loan application.Copending loan is generated according to the loan application Task order, wherein the part credit information in the loan task order need user scene carry out verification handle.
S204, the loan task order is sent to the first terminal.
In the present embodiment, the loan task order includes reserve requests button, and the reserve requests button is used for The first terminal is triggered to obtain the first human face image information of user and the geographical location information that is currently located and generate pre- About request instruction, the reserve requests instruction includes first human face image information and geographical location information.
S205, the reserve requests instruction that the first terminal is sent is received, and by first human face image information It is associated with the loan task order.
In the present embodiment, server is by first human face image information is associated with the loan task order The first human face image information of user is carried out binding with the loan task order of the user to be associated with, it is described the first will pass through Face image information is associated with corresponding loan task order.
S206, it sends and the geographical location information is relevant preengages shops's information to the first terminal for described User selects.
In the present embodiment, shops's information of preengaging includes shops's title and corresponding with shops's title default Time.It sends and the geographical location information is relevant preengages shops's information to the first terminal so that first terminal is aobvious Show that this can preengage shops's information so that the user selects.
Specifically, display with the geographical location information where the user is relevant preengages shops's information, specifically can be with It is shown by way of drop-down menu in preset window, when drop-down menu shows the corresponding reservation of selectable shops's title Between.
S207, the shops's title for receiving the user selection that the first terminal is sent and corresponding subscription time.
Specifically, user, which can be preengage in drop-down menu in shops's information, selects shops's title and corresponding pre- If the time, such as XX to XX corresponding 9:00 to 11:00, first terminal can then obtain the user selection shops's title and Subscription time, and shops's title and subscription time that the user selects are sent to server, server receives described first eventually The shops's title for the user selection that end is sent and corresponding subscription time.
S208, judge the second human face image information of second terminal transmission whether is received in the subscription time.
In the present embodiment, second human face image information is the face figure for the active user that the second terminal obtains As information.The active user may be the user of above-mentioned application loan, it is also possible to other loan users.
In one embodiment, shops's information of preengaging further includes preset time corresponding with shops's title, institute It includes figure acquisition time to state the second human face image information;It is described judge second human face image information with it is described the first Before whether face image information matches, further include:Judge whether is image acquisition time in second human face image information In the corresponding preset time of shops's title;If the image acquisition time in second human face image information is in the door Trade name claims in corresponding preset time, executes judgement second human face image information and first human face image information The step of whether matching.Preliminary handsome choosing is carried out by acquisition time, thus accelerates the efficiency of loan examination & approval.
S209, judge whether second human face image information matches with first human face image information.
In the present embodiment, if whether receiving the second human face image information of second terminal transmission in the subscription time, Judge whether second human face image information matches with first human face image information.Specifically, server is according to people The identification of face identification technology judges whether second human face image information matches with first human face image information,
S210, the triggering loan task order are in state to be activated and send signing prompt letter to the first terminal Breath is to prompt whether the user needs to extend subscription time.
If not receiving the second human face image information of second terminal transmission in the subscription time, triggers the loan and appoint Business order is in state to be activated and sends signing prompt message to the first terminal to prompt whether the user needs to prolong Long subscription time.If selection extends subscription time function, step S205 to S208 can be re-executed.
S211, transmission loan task order associated with first human face image information to the second terminal, with Complete loan examination & approval.
In the present embodiment, if second human face image information and the first facial image information match, service Device sends loan task order associated with first human face image information to the second terminal so that business personnel is logical It crosses second terminal and user carries out scene signing and confirms to complete loan approval process.The loan measures and procedures for the examination and approval can provide one kind Quick and safety pattern of lending, and then improve the Experience Degree of user.
In addition, sending loan task order associated with first human face image information to second end described After end, further include:Judge whether to receive the signing feedback information that the second terminal is sent, wherein the signing feedback letter It ceases to complete to contract the confirmation message that the loan task order generates;If it is anti-to receive the signing that the second terminal is sent Feedforward information is sent loan prompt message to the first terminal and is handled into the task order that prompts to provide a loan described in the user Work(.Loan prompt message is sent according to signing feedback information, for informing that user's loan handles result.
Referring to Fig. 5, Fig. 5 is a kind of schematic block diagram of loan examination & approval device provided by the embodiments of the present application.Such as Fig. 5 institutes Show, loan examination & approval device 300 includes:First receiving unit 301, the first transmission unit 302, the second receiving unit 303, second hair Send unit 304, third receiving unit 305, the 4th receiving unit 306, the first judging unit 307 and third transmission unit 308.
First receiving unit 301, for receive first terminal transmission loan application and according to the loan application generate Loan task order.
First transmission unit 302, for sending the loan task order to the first terminal, wherein the loan is appointed Business order includes reserve requests button, and the reserve requests button is used to trigger the first terminal and obtains the first of user Face image information and the geographical location information being currently located simultaneously generate reserve requests instruction, and the reserve requests instruction includes institute State the first human face image information and geographical location information.
Second receiving unit 303, the reserve requests instruction sent for receiving the first terminal, and by described the One human face image information is associated with the loan task order.
Second transmission unit 304, for sending with the relevant shops's information of preengaging of the geographical location information to described First terminal selects for the user, wherein described, can to preengage shops's information include shops's title.
Third receiving unit 305, shops's title for receiving the user selection that the first terminal is sent.
4th receiving unit 306, the second human face image information for receiving second terminal transmission, wherein second people Face image information is the human face image information for the active user that the second terminal obtains.
First judging unit 307, for judging that second human face image information is with first human face image information It is no to match.
Third transmission unit 308, if being used for second human face image information and the first human face image information phase Match, sends loan task order associated with first human face image information to the second terminal, examined with completing loan Batch.
Referring to Fig. 6, Fig. 6 is a kind of schematic block diagram of loan examination & approval device provided by the embodiments of the present application.Such as Fig. 6 institutes Show, loan examination & approval device 400 includes:Identity reception unit 401, credit judging unit 402, the first receiving unit 403, first hair It send unit 404, the second receiving unit 405, the second transmission unit 406, third receiving unit 407, receive judging unit 408, the One judging unit 409, triggering activation unit 410 and third transmission unit 411.
Identity reception unit 401, the subscriber identity information for receiving first terminal transmission.
Whether credit judging unit 402, the loan credit for judging the user according to the subscriber identity information are full The default terms of loan of foot.
Specifically, credit judging unit 402 is used for:Judge the identity card of the third human face image information and the user Whether the human face image information in part information matches;If the third human face image information and the identity document of the user are believed Human face image information in breath matches, and judges the user whether in default blacklist according to the identity document information, The wherein described default blacklist is that there are the user lists of record of bad behavior in reference report;If the user is not described default In blacklist, then judge that the loan credit of the user meets the default terms of loan.
First receiving unit 403, for receive first terminal transmission loan application and according to the loan application generate Loan task order.
First transmission unit 404, for sending the loan task order to the first terminal.The wherein described loan is appointed Business order includes reserve requests button, and the reserve requests button is used to trigger the first terminal and obtains the first of user Face image information and the geographical location information being currently located simultaneously generate reserve requests instruction, and the reserve requests instruction includes institute State the first human face image information and geographical location information.
Second receiving unit 405, the reserve requests instruction sent for receiving the first terminal, and by described the One human face image information is associated with the loan task order.
Second transmission unit 406, for sending with the relevant shops's information of preengaging of the geographical location information to described First terminal selects for the user.
Third receiving unit 407, shops's title for receiving the user selection that the first terminal is sent and right The subscription time answered.
Judging unit 408 is received, the second people sent for judging whether to receive second terminal in the subscription time Face image information.
In one embodiment, shops's information of preengaging further includes preset time corresponding with shops's title, institute It includes figure acquisition time to state the second human face image information;Judging unit 408 is received to be additionally operable to:Judge second facial image Whether the image acquisition time in information is in the corresponding preset time of shops's title;If second human face image information In image acquisition time in the corresponding preset time of shops's title, execute and described judge second facial image letter The step of whether breath matches with first human face image information.Preliminary handsome choosing is carried out by acquisition time, thus accelerates to borrow The efficiency of money examination & approval.
First judging unit 409, if the second facial image sent for receiving second terminal in the subscription time Information, judges whether second human face image information matches with first human face image information.
Triggering activation unit 410, if the second face figure for not receiving second terminal transmission in the subscription time As information, triggers the loan task order and be in state to be activated and send signing prompt message to the first terminal to carry Show whether the user needs to extend subscription time.
Third transmission unit 411, if being used for second human face image information and the first human face image information phase Match, sends loan task order associated with first human face image information to the second terminal, examined with completing loan Batch.
It is apparent to those skilled in the art that for convenience of description and succinctly, the loan of foregoing description Money examines the specific work process of device and unit, can refer to corresponding processes in the foregoing method embodiment, no longer superfluous herein It states.
Above-mentioned apparatus can be implemented as a kind of form of computer program, and computer program can be in meter as shown in Figure 7 It calculates and is run on machine equipment.
Referring to Fig. 7, Fig. 7 is a kind of schematic block diagram of computer equipment provided by the embodiments of the present application.The computer 700 equipment of equipment is server.
With reference to Fig. 7, which includes processor 720, memory and the net connected by system bus 710 Network interface 750, wherein memory may include non-volatile memory medium 730 and built-in storage 740.
The non-volatile memory medium 730 can storage program area 731 and computer program 732.The computer program 732 It is performed, processor 720 may make to execute a kind of loan measures and procedures for the examination and approval.
The processor 720 supports the operation of entire computer equipment 700 for providing calculating and control ability.
The built-in storage 740 provides environment for the operation of the computer program 732 in non-volatile memory medium 730, should When computer program 732 is executed by processor 720, processor 720 may make to execute a kind of loan measures and procedures for the examination and approval.
The network interface 750 such as sends the task dispatching of distribution for carrying out network communication.Those skilled in the art can manage It solves, structure is not constituted only with the block diagram of the relevant part-structure of application scheme to the application side shown in Fig. 7 The restriction for the computer equipment 700 that case is applied thereon, specific computer equipment 700 may include more than as shown in the figure Or less component, it either combines certain components or is arranged with different components.Wherein, the processor 720 is for transporting Row program code stored in memory, to realize following steps:
It receives the loan application that first terminal is sent and loan task order is generated according to the loan application;
The loan task order is sent to the first terminal, wherein the loan task order includes reserve requests Button, the reserve requests button are used to trigger the first terminal and obtain the first human face image information of user and current institute Geographical location information and generate reserve requests instruction, reserve requests instruction include first human face image information with Geographical location information;
Receive the reserve requests instruction that the first terminal is sent, and by first human face image information with it is described Loan task order is associated;
It sends and the geographical location information is relevant preengages shops's information to the first terminal for the user Selection, wherein described, can to preengage shops's information include shops's title;
Receive the shops's title for the user selection that the first terminal is sent;
The second human face image information that second terminal is sent is received, wherein second human face image information is described second The human face image information for the active user that terminal obtains;
Judge whether second human face image information matches with first human face image information;
If second human face image information and the first facial image information match, send and first face The associated loan task order of image information is to the second terminal, to complete loan examination & approval.
In one embodiment, the processor 720 for run program code stored in memory also realize it is as follows Step:
Judge whether to receive the signing feedback information that the second terminal is sent, wherein the signing feedback information has been The confirmation message generated at the signing loan task order;
If receiving the signing feedback information that the second terminal is sent, loan prompt message is sent to the first terminal To prompt to provide a loan described in the user, task order has handled success.
In one embodiment, the processor 720 is realized described for running program code stored in memory Before receiving the second human face image information that second terminal is sent, following steps are also realized:
Judge the second human face image information that second terminal is sent whether is received in the subscription time;
If receiving the second human face image information that second terminal is sent in the subscription time, execute described in the judgement The step of whether the second human face image information matches with first human face image information.
In one embodiment, the processor 720 is realized described for running program code stored in memory Judge after whether receiving the second human face image information that second terminal is sent in the subscription time, also realizes following step Suddenly:
If not receiving the second human face image information of second terminal transmission in the subscription time, triggers the loan and appoint Business order is in state to be activated and sends signing prompt message to the first terminal to prompt whether the user needs to prolong Long subscription time.
In one embodiment, the processor 720 is realized described for running program code stored in memory Before receiving the loan application that first terminal is sent and generating loan task order according to the loan application, following step is also realized Suddenly:
Receive the subscriber identity information that first terminal is sent;
Judge whether the loan credit of the user meets the default terms of loan according to the subscriber identity information;
If the loan credit of the user meets the default terms of loan, execute what the reception first terminal was sent Loan application and according to the loan application generate loan task order the step of.
In one embodiment, the processor 720 is realized described for running program code stored in memory When judging whether the loan credit of the user meets the default terms of loan according to the subscriber identity information, it is implemented as follows Step:
Judge whether is human face image information in the identity document information of the third human face image information and the user Match;
If the third human face image information matches with the human face image information in the identity document information of the user, Then judge that the loan credit of the user meets the default terms of loan.
In one embodiment, the processor 720 is realized described for running program code stored in memory Before judging that the loan credit of the user meets the default terms of loan, following steps are also realized:
The user is judged whether in default blacklist according to the identity document information, wherein the default blacklist For there are the user lists of record of bad behavior in being reported in reference;
If the user not in the default blacklist, judges that the loan credit of the user meets the default loan Money condition.
It should be appreciated that in the embodiment of the present application, processor 720 can be central processing unit (Central ProcessingUnit, CPU), which can also be other general processors, digital signal processor (Digital Signal Processor, DSP), application-specific integrated circuit (Application Specific Integrated Circuit, ASIC), ready-made programmable gate array (Field-Programmable GateArray, FPGA) or other programmable logic devices Part, discrete gate or transistor logic, discrete hardware components etc..Wherein, general processor can be microprocessor or The processor can also be any conventional processor etc..
It will be understood by those skilled in the art that 700 structure of computer equipment shown in Fig. 7 is not constituted and is set to computer Standby 700 restriction may include either combining certain components or different component cloth than illustrating more or fewer components It sets.
One of ordinary skill in the art will appreciate that be realize above-described embodiment method in all or part of flow, be Relevant hardware can be instructed to complete by computer program, computer program can be stored in a storage medium, this is deposited Storage media is computer readable storage medium.In the embodiment of the present invention, which can be stored in computer system It in storage medium, and is executed by least one of computer system processor, includes the reality such as above-mentioned each method with realization Apply the process step of example.
The computer readable storage medium can be magnetic disc, CD, USB flash disk, mobile hard disk, random access memory The various media that can store program code such as (RandomAccess Memory, RAM), magnetic disc or CD.
Those of ordinary skill in the art may realize that lists described in conjunction with the examples disclosed in the embodiments of the present disclosure Member and algorithm steps, can be realized with electronic hardware, computer software, or a combination of the two, in order to clearly demonstrate hardware With the interchangeability of software, each exemplary composition and step are generally described according to function in the above description.This A little functions are implemented in hardware or software actually, depend on the specific application and design constraint of technical solution.Specially Industry technical staff can use different methods to achieve the described function each specific application, but this realization is not It is considered as exceeding scope of the present application.
In several embodiments provided herein, it should be understood that disclosed loan examines device and method, can To realize by another way.For example, loan examination & approval device embodiment described above is only schematical.For example, The division of each unit, only a kind of division of logic function, formula that in actual implementation, there may be another division manner.Such as it is multiple Unit or component can be combined or can be integrated into another system, or some features can be ignored or not executed.
Step in the embodiment of the present application method can be sequentially adjusted, merged and deleted according to actual needs.
Unit in the embodiment of the present application device can be combined, divided and deleted according to actual needs.
In addition, each functional unit in each embodiment of the application can be integrated in a processing unit, it can also It is that each unit physically exists alone, can also be during two or more units are integrated in one unit.It is above-mentioned integrated The form that hardware had both may be used in unit is realized, can also be realized in the form of SFU software functional unit.
If the integrated unit is realized in the form of SFU software functional unit and when sold or used as an independent product, It can be stored in a computer read/write memory medium.Based on this understanding, the technical solution of the application substantially or Person says that all or part of the part that contributes to existing technology or the technical solution can body in the form of software products Reveal and, which is stored in a storage medium, including some instructions are with so that a computer is set Standby (can be personal computer, terminal or the network equipment etc.) execute each embodiment the method for the application whole or Part steps.
The above, the only specific implementation mode of the application, but the protection domain of the application is not limited thereto, it is any Those familiar with the art can readily occur in various equivalent modifications or replace in the technical scope that the application discloses It changes, these modifications or substitutions should all cover within the protection domain of the application.Therefore, the protection domain of the application should be with right It is required that protection domain subject to.

Claims (10)

1. a kind of loan measures and procedures for the examination and approval, which is characterized in that including:
It receives the loan application that first terminal is sent and loan task order is generated according to the loan application;
The loan task order is sent to the first terminal, wherein the loan task order includes that reserve requests are pressed Button, the reserve requests button are used to trigger the first terminal and obtain the first human face image information of user and be currently located Geographical location information and generate reserve requests instruction, reserve requests instruction includes first human face image information and ground Manage location information;
Receive the reserve requests instruction that the first terminal is sent, and by first human face image information and the loan Task order is associated;
It sends and the geographical location information is relevant preengages shops's information to the first terminal so that the user selects, It includes shops's title that can preengage shops's information described in wherein;
Receive the shops's title for the user selection that the first terminal is sent;
The second human face image information that second terminal is sent is received, wherein second human face image information is the second terminal The human face image information of the active user of acquisition;
Judge whether second human face image information matches with first human face image information;
If second human face image information and the first facial image information match, send and first facial image The associated loan task order of information is to the second terminal, to complete loan examination & approval.
2. the loan measures and procedures for the examination and approval according to claim 1, which is characterized in that in the transmission and first facial image After the associated loan task order to the second terminal of information, further include:
Judge whether to receive the signing feedback information that the second terminal is sent, wherein the signing feedback information is to complete to sign The about described loan task order and the confirmation message generated;
If receiving the signing feedback information that the second terminal is sent, loan prompt message is sent to carry to the first terminal Show that task order of providing a loan described in the user has handled success.
3. the loan measures and procedures for the examination and approval according to claim 1, which is characterized in that shops's information of preengaging further includes and institute State the corresponding preset time of shops's title;
Before the second human face image information that the reception second terminal is sent, including:
Judge the second human face image information that second terminal is sent whether is received in the subscription time;
If receiving the second human face image information that second terminal is sent in the subscription time, the judgement described second is executed The step of whether human face image information matches with first human face image information.
4. the loan measures and procedures for the examination and approval according to claim 3, which is characterized in that be in the subscription time in the judgement After no the second human face image information for receiving second terminal transmission, further include:
If not receiving the second human face image information of second terminal transmission in the subscription time, triggers the loan task and order It is single to send signing prompt message in state to be activated and to the first terminal to prompt whether the user needs extension pre- It makes an appointment.
5. the loan measures and procedures for the examination and approval according to claim 1, which is characterized in that in the loan that the reception first terminal is sent Before applying and generating loan task order according to the loan application, further include:
Receive the subscriber identity information that first terminal is sent;
Judge whether the loan credit of the user meets the default terms of loan according to the subscriber identity information;
If the loan credit of the user meets the default terms of loan, the loan that the reception first terminal is sent is executed The step of applying and loan task order generated according to the loan application.
6. the loan measures and procedures for the examination and approval according to claim 5, which is characterized in that the subscriber identity information includes third face Image information and identity document information;
It is described to judge whether the loan credit of the user meets the default terms of loan according to the subscriber identity information, including:
Judge the third human face image information and the human face image information in the identity document information of the user whether phase Match;
If the third human face image information matches with the human face image information in the identity document information of the user, sentence The loan credit of the fixed user meets the default terms of loan.
7. the loan measures and procedures for the examination and approval according to claim 6, which is characterized in that in the loan credit of the judgement user Before meeting the default terms of loan, including:
Judge the user whether in default blacklist according to the identity document information, wherein the default blacklist be There are the user lists of record of bad behavior in reference report;
If the user not in the default blacklist, judges that the loan credit of the user meets the default loan item Part.
8. a kind of loan examines device, which is characterized in that including:
First receiving unit, for receive first terminal transmission loan application and according to the loan application generate loan task Order;
First transmission unit, for sending the loan task order to the first terminal, wherein the loan task order Include reserve requests button, the reserve requests button is used to trigger the first facial image that the first terminal obtains user Information and the geographical location information being currently located simultaneously generate reserve requests instruction, and the reserve requests instruction includes described first Human face image information and geographical location information;
Second receiving unit, the reserve requests instruction sent for receiving the first terminal, and by first face Image information is associated with the loan task order;
Second transmission unit, for sending with the relevant shops's information of preengaging of the geographical location information to the first terminal So that the user selects, wherein described, can to preengage shops's information include shops's title;
Third receiving unit, shops's title for receiving the user selection that the first terminal is sent;
4th receiving unit, the second human face image information for receiving second terminal transmission, wherein second facial image Information is the human face image information for the active user that the second terminal obtains;
First judging unit, for judge second human face image information and first human face image information whether phase Match;
Third transmission unit is sent if for second human face image information and the first facial image information match Loan task order associated with first human face image information is to the second terminal, to complete loan examination & approval.
9. a kind of computer equipment, which is characterized in that including memory, processor and be stored on the memory and can be in institute The computer program run on processor is stated, the processor is realized when executing the computer program as in claim 1 to 7 Any one of them loan measures and procedures for the examination and approval.
10. a kind of storage medium, which is characterized in that the storage medium is stored with computer program, the computer program packet Program instruction is included, described program instruction makes the processor execute such as any one of claim 1 to 7 institute when being executed by a processor The loan measures and procedures for the examination and approval stated.
CN201810436764.3A 2018-05-09 2018-05-09 The loan measures and procedures for the examination and approval, device, computer equipment and storage medium Pending CN108648067A (en)

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CN109785107A (en) * 2018-12-13 2019-05-21 平安科技(深圳)有限公司 Method and Related product based on fund accounting flexible configuration
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CN109785107A (en) * 2018-12-13 2019-05-21 平安科技(深圳)有限公司 Method and Related product based on fund accounting flexible configuration
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CN109858220A (en) * 2019-01-08 2019-06-07 深圳法大大网络科技有限公司 Electronic contract signs method, apparatus, terminal device and storage medium
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CN111861694A (en) * 2020-06-22 2020-10-30 湖南三湘银行股份有限公司 Online loan system based on face recognition
CN112990508A (en) * 2021-02-10 2021-06-18 北京声智科技有限公司 Service detection reservation method and device, electronic equipment and storage medium

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Application publication date: 20181012