CN109285068A - Online loan inquiry method, apparatus, equipment and storage medium - Google Patents
Online loan inquiry method, apparatus, equipment and storage medium Download PDFInfo
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- CN109285068A CN109285068A CN201811246690.3A CN201811246690A CN109285068A CN 109285068 A CN109285068 A CN 109285068A CN 201811246690 A CN201811246690 A CN 201811246690A CN 109285068 A CN109285068 A CN 109285068A
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Abstract
The invention discloses a kind of online loan inquiry methods, are related to data processing field.Method includes the following steps: inquiry operation of the loan platform response in user on the loan APP page, loan system initiates inquiry request under loan system and line on line respectively；Loan system is searched from respective loan database respectively according to the inquiry request received and obtains credit information corresponding with the user identity identification code under loan system and the line on the line；And the credit information that will acquire respectively stamp source label after be sent to the loan platform；The credit information that the loan platform will receive is shown on the loan APP page of the user.The present invention can obtain by showing after two data processings into part end on one page two into the loan documentation on part end, and distinguish source by tag identifier and carry out differentiation displaying simultaneously, that is, facilitate user query to use, and developer is facilitated to manage.
Description
Technical field
The present invention relates to data processing field, it is related to a kind of online loan inquiry method, apparatus, equipment and storage medium.
Background technique
With the development of the social economy, many medium-sized and small enterprises need to carry out financing loan by bank.And with interconnection
The development of net, the internet chemical conversion of a large amount of traditional industries are the inexorable trend of industry development.
Existing online loan system is only that client provides the inquirement way of loan application progress on line, but client can not
By the examination & approval progress of loan application under online loan system information trunk, and the notice of customer manager can only be waited or actively to visitor
Family manager's consulting processing progress.Also loan application can also be inquired by client APP under some lines, but loan inquiry under line
It is usually two systems with loan inquiry on line, can not be integrated together, both affect customer experience, developer's maintenance is got up
Also sufficiently complex.
Summary of the invention
The technical problem to be solved by the present invention is in order to overcome under the prior art middle line loan inquiry on loan inquiry and line
The problem of point two systems, proposes a kind of online loan inquiry method, apparatus, equipment and storage medium, loan under line is looked into
It askes and unitizes with the details page of loan inquiry on line, to realize that two data into part end are shown on one page, and pass through
Tag identifier distinguishes source and carries out differentiation displaying.
The present invention is to solve above-mentioned technical problem by following technical proposals:
A kind of online loan inquiry method, comprising the following steps:
Inquiry operation of the loan platform response in user on the loan APP page, respectively on line under loan system and line
Loan system initiates inquiry request, and the inquiry request includes user identity identification code；
Loan system is according to the inquiry request received under loan system and the line on the line, respectively from respective
Loan database in search and obtain credit information corresponding with the user identity identification code；
The credit information that loan system will acquire on the line is sent to institute after stamping the source label provided a loan on line
Loan platform is stated, the credit information that loan system will acquire under the line is sent to after stamping the source label provided a loan under line
The loan platform；
The loan platform is by credit information described in the source label of the wired upper loan of carrying received and carries wired
The credit information of the source label of lower loan is respectively displayed on the loan APP page of the user.
Preferably, inquiry operation of the loan platform response in user on the loan APP page, provides a loan on line respectively
Loan system initiates inquiry request under system and line, specifically includes the following steps:
Whether inquiry operation of the loan platform response in the user on the loan APP page, confirm the user
Real-name authentication is completed on the loan platform；
After real-name authentication is completed on the loan platform in the user, send identifying code to the user's registration when into
On the phone number of row identifying code verifying；
The identifying code that the loan platform response inputs on the loan APP page in the user, tests the input
Card code is verified；
After verifying code check passes through, the loan platform generates user identity identification code, and then will generate includes the use
The inquiry request of family identity code is respectively sent on the line loan system under loan system and the line.
Preferably, if the user does not complete real-name authentication on the loan platform, in the loan APP of the user
Real-name authentication prompting message is shown on the page.
Preferably, the user identity identification code is according to preset coding rule to the identification card number and mobile phone of the user
Number obtains after being converted.
Preferably, on the line under loan system and the line loan system according to the inquiry request received, point
Credit information corresponding with the user identity identification code is not searched and obtained from respective loan database, specifically include with
Lower step:
Loan system intercepts the knowledge of the user identity in the inquiry request respectively under loan system and the line on the line
Other code；
According to preset decoding rule corresponding with the coding rule to the user identity identification code of interception into
Row decoding, obtains the identification card number and phone number of the corresponding user of the user identity identification code；
According to the identification card number and/or phone number of the user, respectively from respective loan database described in lookup
The credit information that identification card number and/or phone number association save.
Preferably, when the same time only allows the user, loan system is only under loan system and the line on the line
There are when a loan, the credit information that the loan platform will receive shows the loan APP page in the user
It is upper specifically includes the following steps:
According to the source label of the credit information received, obtained and the source from preset indicating template library
The corresponding indicating template of label；
Credit information details page is generated according to the indicating template and the credit information；
The credit information details page of generation is shown on the loan APP page of the user.
Preferably, when the same time only allows the user, loan system is deposited under loan system and the line on the line
In more loans, the credit information that the loan platform will receive shows specific on the loan APP page of the user
The following steps are included:
The loan APP of the user is shown according to the credit note that the credit information received generates catalogue form
On the page；
In response to selection operation of the user on the loan APP page, according to loan pointed by the loan entry chosen
The source label of money information obtains indicating template corresponding with the source label from preset indicating template library；
Credit information details are generated according to credit information pointed by the indicating template and the loan catalogue chosen
Page；
The credit information details page of generation is shown on the loan APP page of the user.
The invention also discloses a kind of online loan inquiry systems, comprising:
Provide a loan platform, in response to user loan the APP page on inquiry operation, respectively on line loan system and
Loan system initiates inquiry request under line, and the inquiry request includes user identity identification code；It is also used to described by what is received
Credit information is shown on the loan APP page of the user；
Loan system device on line, for the loan according to the inquiry request received from loan system on the line
It is searched in database and obtains credit information corresponding with the user identity identification code, and the credit information that will acquire is beaten
Loan platform is sent after the source label of online upper loan；
Loan system device under line, for the loan according to the inquiry request received from loan system under the line
It is searched in database and obtains credit information corresponding with the user identity identification code, and the credit information that will acquire is beaten
Loan platform is sent after the source label of online lower loan.
Preferably, the loan platform comprises the following modules:
Whether authentication module confirms the user for the inquiry operation in response to the user on the loan APP page
Real-name authentication is completed on the loan platform；
Identifying code sending module, for after real-name authentication is completed on the loan platform in the user, transmission to be tested
It is carried out on the phone number of identifying code verifying when demonstrate,proving code to the user's registration；
Correction verification module, the identifying code for inputting on the loan APP page in response to the user, tests the input
Card code is verified；
Then inquiry request sending module will be generated for generating user identity identification code after verifying code check passes through
Inquiry request comprising the user identity identification code is respectively sent on the line loan system under loan system and the line.
Preferably, loan system device comprises the following modules on the line:
Identification code interception module, for intercepting the user identity identification code in the inquiry request；
Decoder module, for the user according to preset decoding rule corresponding with the coding rule to interception
Identity code is decoded, and obtains the identification card number and phone number of the corresponding user of the user identity identification code；
Information inquiry module, for the identification card number and/or phone number according to the user, provide a loan system from the line
The credit information of the identification card number and/or phone number association preservation is searched in the loan database of system；
Loan system device comprises the following modules under the line:
Identification code interception module, for intercepting the user identity identification code in the inquiry request；
Decoder module, for the user according to preset decoding rule corresponding with the coding rule to interception
Identity code is decoded, and obtains the identification card number and phone number of the corresponding user of the user identity identification code；
Information inquiry module, for the identification card number and/or phone number according to the user, provide a loan system under the line
The credit information of the identification card number and/or phone number association preservation is searched in the loan database of system.
The positive effect of the present invention is that: it will show that on one page, user is only by two data into part end
Carry out one query, two can be obtained simultaneously into the loan documentation on part end, and by tag identifier distinguish source into
Row differentiation is shown, that is, facilitates user query to use, and developer is facilitated to manage.
Detailed description of the invention
Fig. 1 shows the flow chart of online loan inquiry embodiment of the method one of the invention；
Fig. 2 shows in online loan inquiry embodiment of the method one of the invention, loan platform response is in user in loan APP
The flow chart of inquiry operation on the page；
Fig. 3 is shown in loan inquiry embodiment of the method one of the invention online, loan system under loan system and line on line
The flow chart of credit information is searched according to the inquiry request received；
Fig. 4 is shown in online loan inquiry embodiment of the method one of the invention, when two loan systems are only possible to find not
Flow for displaying figure when credit information more than one；
Fig. 5 is shown in online loan inquiry embodiment of the method one of the invention, when two loan systems may be found incessantly
Flow for displaying figure when one credit information；
Fig. 6 shows the structure chart of online loan inquiry system first embodiment of the invention.
Specific embodiment
The present invention is further illustrated below by the mode of embodiment, but does not therefore limit the present invention to the reality
It applies among a range.
Firstly, the present invention proposes a kind of online loan inquiry method, by loan platform respectively with loan system on line and
Loan system realizes docking under line, to obtain loan of the same user on line under loan system and/or line in loan system simultaneously
Money information.
In example 1, as shown in Figure 1, the online loan inquiry method includes the following steps:
Step 01: inquiry operation of the loan platform response in user on the loan APP page, the respectively loan system on line
Inquiry request is initiated with loan system under line, the inquiry request includes user identity identification code.
User inquires oneself credit information under one's name by the APP that provides a loan, and since credit information is related to individual privacy, belongs to quick
Feel information；Therefore it typically only allows for user to check personal credit information under one's name, and to pass through authentication.Usually, it uses
It when family downloading loan APP is registered, just may require that user carries out real-name authentication, input identification card number and upload identity card picture
It is verified, and input handset number (phone number is necessary for the phone number stayed when loan), is tested with carrying out identifying code
Card.
It only just has the right to check its credit information under one's name by the user of real-name authentication, i.e., only by real-name authentication
User could initiate inquiry on the loan APP page, therefore user clicks loan inquiry on the loan APP page and initiates inquiry behaviour
After work, loan platform first has to confirm whether the user completes real name registration, the electricity of the secondary confirmation user on its platform
Number is talked about, following steps (as shown in Figure 2) is specifically included:
Step 11: inquiry operation of the loan platform response in the user on the loan APP page confirms the use
Whether on the loan platform real-name authentication is completed in family.
The real-name authentication information of usual user is stored in background data base after being all associated with the account of the user, is more had very
Person can the account of the user stamp the label etc. authenticated；After detecting that inquiry operation occurs for user, just from background data base
The account of the user is searched, then further checks that whether containing real name in the information saved with the account relating of the user recognizes
Information is demonstrate,proved, or directly further checks in the account of the user whether there is the label authenticated.
Step 12: after confirming that real-name authentication is completed on the loan platform in the user, sending identifying code to the use
On the phone number for carrying out identifying code verifying when family is registered.
Its credit information is inquired to prevent the account leakage of user from logging in its account by other people, therefore also to be further confirmed that
That carrying out inquiry operation is user；For this purpose, loan platform carries out identifying code when sending identifying code to the user's registration
The phone number of verifying operates if it is user, just can centainly receive the identifying code.
Step 13: the identifying code that the loan platform response inputs on the loan APP page in the user, to described defeated
The identifying code entered is verified；
After user inputs identifying code on the loan APP page, loan platform verifies the identifying code of the input, i.e., will
The identifying code of user input and the identifying code progress carried out when being sent to the user's registration on the phone number of identifying code verifying
It compares, verifies and pass through if completing unanimously.
Step 14: after verifying code check passes through, the loan platform generates user identity identification code, and then regeneration includes
The inquiry request of the user identity identification code is respectively sent on the line loan system under loan system and the line.
Due to the user saved in loan system under upper loan system and line credit information usually with the identity card of user
Number and/or phone number association save, therefore user identity identification code here is preferably according to preset coding rule to described
The identification card number and phone number of user obtains after converting.
The coding rule can be the combination for directly using identification card number and phone number, be also possible to calculate by encryption
User identity identification code etc. is generated after method processing.User identity identification code is handled by Encryption Algorithm, can be prevented
The privacy information of client is revealed during system interaction, safety is more preferable.
Here credit information includes: loan product title, the amount of the loan, and loan status, loan issue apply for channel,
Customer manager, application progress etc..The credit information saved in two loan systems may includes above-mentioned all information, it is also possible to
Above-mentioned partial information is contained, is determined with specific reference to the configuration of loan system.
In one embodiment, step 12 further include: if the user does not complete real-name authentication on the loan platform,
Real-name authentication prompting message is shown on the loan APP page of the user.
Assuming that the user of loan APP does not know that credit information inquiry needs real-name authentication, then platform of providing a loan is confirming the use
Family do not complete real-name authentication after, by showing real-name authentication prompting message on the loan APP page of user with prompt user into
Row real-name authentication plays the role of guiding user's operation.
Step 02: on the line under loan system and the line loan system according to the inquiry request received, point
It is not searched from respective loan database and obtains credit information corresponding with the user identity identification code.
Since identity code is to be generated according to coding rule, and save in loan system under loan system and line on line
Credit information be all with user identification card number and/or phone number association save, if directly known according to user identity
Other code carry out search can not find, therefore first by the user identity identification code received according to the coding rule into
Row inversely decoding, with determine the user identity identification code corresponding to identification card number and phone number, then search again with it is described
The credit information that identification card number and/or phone number association save.Specifically include following steps (as shown in Figure 3):
Step 21: loan system intercepts the user in the inquiry request respectively under loan system and the line on the line
Identity code.
Platform of providing a loan by certain rule generates inquiry request, and the user identity identification code always spy in inquiry request
Positioning is set.As long as therefore intercepting several characters of specific position in inquiry request, so that it may obtain user identity identification code.
Step 22: the user identity of interception being known according to preset decoding rule corresponding with the coding rule
Other code is decoded, and obtains the identification card number and phone number of the corresponding user of the user identity identification code.
If coding rule is the combination for directly using identification card number and phone number, decoding rule is exactly by identification card number
Respectively number of characters is divided with phone number；It is exactly corresponding in decoding rule in coding rule if including Encryption Algorithm
Decipherment algorithm.
Step 23: according to the identification card number and/or phone number of the user, being looked into from respective loan database respectively
The identification card number and/or phone number is looked for be associated with the credit information saved.
The inquiry of credit information is carried out according to the identification card number of user or phone number, depend on line loan system and
Loan system saves the mode of credit information under line, it is assumed that credit information is only associated with preservation with identification card number, as long as then according to body
Part card number inquiry, it is assumed that be associated with preservation with identification card number and phone number, then need simultaneously with identification card number and cell-phone number
Code is inquired.
Step 03: the credit information that loan system will acquire on the line is sent out after stamping the source label provided a loan on line
It send to the loan platform, after the credit information that loan system will acquire under the line stamps the source label provided a loan under line
It is sent to the loan platform.
Since the approval process provided a loan on line with provided a loan under line is inconsistent, saved in respective loan database
Credit information it is also not consistent.For example, the examination & approval provided a loan on line be also carry out on line, therefore have the examination & approval of each step into
Degree；And the examination & approval provided a loan under line are online lower progress, only last result can upload under line in loan system, i.e., from Shen
It please to the intermediate procedure information of examination & approval is completed will not be recorded under line in loan system.In simple terms, on line in loan system
The credit information of preservation will be more than the credit information saved in loan system under line, and format and different.
Therefore two systems are after the inquiry for respectively completing credit information, be first to loan before being sent to loan platform
Information stamps source label, so that platform of providing a loan can identify the source (on line or under line) of every credit information.
By source label, platform of providing a loan is also known that the preservation format of corresponding credit information.Specifically, can pass through
It is preset with source-format in loan platform and corresponds to table to realize.
Step 04: the loan platform is by credit information described in the source label of the wired upper loan of carrying received and takes
The credit information of source label with wired lower loan is respectively displayed on the loan APP page of the user.
Display interface is according to the regulation different from of each finance company.
One, the same time only allows user loan system only exists a loan under loan system and line on line, i.e., and two
A loan system is only possible to find not more than one credit information, then directly displaying the details of credit information.Display
Process specifically includes following steps (as shown in Figure 4):
Step 411: according to the source label of the credit information received, obtained from preset indicating template library with
The corresponding indicating template of the source label.
Since the credit information saved in two loan systems is inconsistent, is shown, be will lead to according to uniform template
Error, therefore the credit information of corresponding separate sources, are shown, in other words indicating template frame using different indicating templates
Equally, only specific display items are different in indicating template, such as the credit information obtained in loan system under line, do not apply into
Spend the display of item.
Step 412: credit information details page is generated according to the indicating template and the credit information.
Since a user is only possible to exist simultaneously a credit information in two loan systems, loan is directly displayed
Money message details page.
Step 413: the credit information details page of generation is shown on the loan APP page of the user.
Two, same time allow user on line under loan system and line in loan system there are more loans, at this time two
A loan system may find more than one credit information, and the details page for directly displaying a certain pen loan at this time is less suitable,
Therefore it can show that credit note, details page jump display after user provides a loan entry from item a certain in catalogue.Specifically include with
Lower step (as shown in Figure 5):
Step 421: the user is shown according to the credit note that the credit information received generates catalogue form
The loan APP page on.
The partial information in credit information, such as loan number, loan product title, loan are only shown with catalogue form
The amount of money and source etc..
Step 422: in response to selection operation of the user on the loan APP page, according to the loan entry institute chosen
The source label of the credit information of direction obtains display mould corresponding with the source label from preset indicating template library
Plate.
User can choose a certain item to borrow if it is desired to when checking the concrete condition of its a certain pen loan from the catalogue of display
Money entry, due to only containing part credit information in a loan entry, but entry itself of providing a loan is according to credit information letter
Change, entry of providing a loan and credit information have incidence relation (or becoming points relationship) between the two, therefore choose certain
One loan entry is exactly to choose its corresponding credit information, determines indicating template with this.
Step 423: being generated and provided a loan according to credit information pointed by the indicating template and the loan catalogue chosen
Message details page.
Step 424: the credit information details page of generation is shown on the loan APP page of the user.
By the way that indicating template library is arranged, it is poor to carry out to the credit information in loan system under loan system on line and line
Alienation shows that client can also be more very clear to its lending resources.
Secondly, the invention proposes a kind of online loan inquiry device, described device 20 can be divided into one or
Multiple modules.
For example, Fig. 6 shows the structure chart of online 20 first embodiment of loan inquiry system, and in the embodiment, institute
It states system 20 and can be divided into loan platform 201, loan system device 203 on loan system device 202 and line on line.Below
The concrete function of the module 201-203 will be specifically introduced in description.
The loan platform 201 is borrowed on line respectively for the inquiry operation in response to user on the loan APP page
Loan system initiates inquiry request under money system and line, and the inquiry request includes user identity identification code；It is also used to receive
To the credit information be shown in the user the loan APP page on.
The loan platform 201 can be further segmented as authentication module 2011, identifying code sending module 2012, verification
Module 2013 and inquiry request sending module 2014.
The authentication module 2011, for the inquiry operation in response to the user on the loan APP page, described in confirmation
Whether user on the loan platform completes real-name authentication；
The identifying code sending module 2012, for real-name authentication to be completed on the loan platform as the user
Afterwards, it is carried out on the phone number of identifying code verifying when sending identifying code to the user's registration；
The correction verification module 2013, the identifying code for being inputted on the loan APP page in response to the user, to described
The identifying code of input is verified；
The inquiry request sending module 2014, for generating user identity identification code, so after verifying code check passes through
The inquiry request comprising the user identity identification code will be generated afterwards to be respectively sent on the line under loan system and the line
Loan system.
Loan system device 202 on the line, for being provided a loan from the line system according to the inquiry request that receives
Credit information corresponding with the user identity identification code, and the loan that will acquire are searched and obtained in the loan database of system
Money information sends loan platform after stamping the source label provided a loan on line.
Loan system device 202 can be further segmented as identification code interception module 2021, decoder module on the line
2022 and information inquiry module 2023.
The identification code interception module 2021, for intercepting the user identity identification code in the inquiry request；
The decoder module 2022, for regular to interception according to preset decoding corresponding with the coding rule
The user identity identification code is decoded, and obtains the identification card number and hand of the corresponding user of the user identity identification code
Machine number；
The information inquiry module 2023, for the identification card number and/or phone number according to the user, from the line
The credit information of the identification card number and/or phone number association preservation is searched in the loan database of upper loan system.
Loan system device 203 under the line, for being provided a loan under the line system according to the inquiry request that receives
Credit information corresponding with the user identity identification code, and the loan that will acquire are searched and obtained in the loan database of system
Money information sends loan platform after stamping the source label provided a loan under line.Loan system device 203 can be further under the line
It is divided into identification code interception module 2031, decoder module 2032 and information inquiry module 2033.
Wherein, the function of identification code interception module 2031 is the same as identification code interception module 2021, the function of decoder module 2032
With decoder module 2022, details are not described herein again.
The information inquiry module 2033, for the identification card number and/or phone number according to the user, from the line
The credit information of the identification card number and/or phone number association preservation is searched in the loan database of lower loan system.
Although specific embodiments of the present invention have been described above, it will be appreciated by those of skill in the art that this is only
For example, protection scope of the present invention is to be defined by the appended claims.Those skilled in the art without departing substantially from
Under the premise of the principle and substance of the present invention, many changes and modifications may be made, but these change and
Modification each falls within protection scope of the present invention.
Claims (10)
1. a kind of online loan inquiry method, which comprises the following steps:
Inquiry operation of the loan platform response in user on the loan APP page, provides a loan under loan system and line on line respectively
System initiates inquiry request, and the inquiry request includes user identity identification code；
Loan system is according to the inquiry request received under loan system and the line on the line, respectively from respective loan
It is searched in money database and obtains credit information corresponding with the user identity identification code；
The credit information that loan system will acquire on the line is sent to the loan after stamping the source label provided a loan on line
Money platform, the credit information that loan system will acquire under the line stamp be sent to after the source label provided a loan under line it is described
Loan platform；
The loan platform is by credit information described in the source label of the wired upper loan of carrying received and carries wired lower loan
The credit information of the source label of money is respectively displayed on the loan APP page of the user.
2. online loan inquiry method according to claim 1, which is characterized in that the loan platform response exists in user
The inquiry operation provided a loan on the APP page, loan system initiates inquiry request under loan system and line on line respectively, specifically includes
Following steps:
Whether inquiry operation of the loan platform response in the user on the loan APP page, confirm the user in institute
It states and completes real-name authentication on loan platform；
After real-name authentication is completed on the loan platform in the user, tested when sending identifying code to the user's registration
On the phone number for demonstrate,proving code verifying；
The identifying code that the loan platform response inputs on the loan APP page in the user, to the identifying code of the input
It is verified；
After verifying code check passes through, the loan platform generates user identity identification code, and then will generate includes user's body
The inquiry request of part identification code is respectively sent on the line loan system under loan system and the line.
3. online loan inquiry method according to claim 2, which is characterized in that if the user is in the loan platform
Upper unfinished real-name authentication, then show real-name authentication prompting message on the loan APP page of the user.
4. online loan inquiry method according to claim 2, which is characterized in that the user identity identification code is according to pre-
If coding rule the identification card number and phone number of the user are converted after obtain.
5. online loan inquiry method according to claim 4, which is characterized in that loan system and the line on the line
Lower loan system is searched from respective loan database respectively and is obtained and the use according to the inquiry request received
The corresponding credit information of family identity code, specifically includes the following steps:
Loan system intercepts the user identity identification code in the inquiry request respectively under loan system and the line on the line；
The user identity identification code of interception is solved according to preset decoding rule corresponding with the coding rule
Code, obtains the identification card number and phone number of the corresponding user of the user identity identification code；
According to the identification card number and phone number of the user, the identification card number is searched from respective loan database respectively
And/or the credit information that phone number association saves.
6. online loan inquiry method according to claim 1, which is characterized in that only allow the user when the same time
When loan system only exists a loan under loan system on the line and the line, the institute that will receive of loan platform
State credit information be shown on the loan APP page of the user specifically includes the following steps:
According to the source label of the credit information received, obtained and the source label from preset indicating template library
Corresponding indicating template；
Credit information details page is generated according to the indicating template and the credit information；
The credit information details page of generation is shown on the loan APP page of the user.
7. online loan inquiry method according to claim 1, which is characterized in that only allow the user when the same time
There are the loans that when more loans, the loan platform will be received for loan system under loan system on the line and the line
Information be shown on the loan APP page of the user specifically includes the following steps:
The loan APP page of the user is shown according to the credit note that the credit information received generates catalogue form
On；
In response to selection operation of the user on the loan APP page, believed according to loan pointed by the loan entry chosen
The source label of breath obtains indicating template corresponding with the source label from preset indicating template library；
Credit information details page is generated according to credit information pointed by the indicating template and the loan catalogue chosen；
The credit information details page of generation is shown on the loan APP page of the user.
8. a kind of online loan inquiry system characterized by comprising
Loan platform, for the inquiry operation in response to user on the loan APP page, respectively on line under loan system and line
Loan system initiates inquiry request, and the inquiry request includes user identity identification code；It is also used to the loan that will be received
Information is shown on the loan APP page of the user；
Loan system device on line, for the loan data according to the inquiry request received from loan system on the line
It is searched in library and obtains credit information corresponding with the user identity identification code, and the credit information that will acquire stamps line
Loan platform is sent after the source label of upper loan；
Loan system device under line, for the loan data according to the inquiry request received from loan system under the line
It is searched in library and obtains credit information corresponding with the user identity identification code, and the credit information that will acquire stamps line
Loan platform is sent after the source label of lower loan.
9. online loan inquiry system according to claim 8, which is characterized in that the loan platform includes with lower die
Block:
Whether authentication module confirms the user in institute for the inquiry operation in response to the user on the loan APP page
It states and completes real-name authentication on loan platform；
Identifying code sending module, for sending identifying code after real-name authentication is completed on the loan platform in the user
On the phone number for carrying out identifying code verifying when to the user's registration；
Correction verification module, the identifying code for being inputted on the loan APP page in response to the user, to the identifying code of the input
It is verified；
Inquiry request sending module, for generating user identity identification code, then including by generation after verifying code check passes through
The inquiry request of the user identity identification code is respectively sent on the line loan system under loan system and the line.
10. online loan inquiry system according to claim 8, which is characterized in that
Loan system device comprises the following modules on the line:
Identification code interception module, for intercepting the user identity identification code in the inquiry request；
Decoder module, for the user identity according to preset decoding rule corresponding with the coding rule to interception
Identification code is decoded, and obtains the identification card number and phone number of the corresponding user of the user identity identification code；
Information inquiry module, for the identification card number and/or phone number according to the user, from loan system on the line
The credit information of the identification card number and/or phone number association preservation is searched in loan database；
Loan system device comprises the following modules under the line:
Identification code interception module, for intercepting the user identity identification code in the inquiry request；
Decoder module, for the user identity according to preset decoding rule corresponding with the coding rule to interception
Identification code is decoded, and obtains the identification card number and phone number of the corresponding user of the user identity identification code；
Information inquiry module, for the identification card number and/or phone number according to the user, from loan system under the line
The credit information of the identification card number and/or phone number association preservation is searched in loan database.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811246690.3A CN109285068A (en) | 2018-10-25 | 2018-10-25 | Online loan inquiry method, apparatus, equipment and storage medium |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811246690.3A CN109285068A (en) | 2018-10-25 | 2018-10-25 | Online loan inquiry method, apparatus, equipment and storage medium |
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| Publication Number | Publication Date |
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| CN109285068A true CN109285068A (en) | 2019-01-29 |
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201811246690.3A Pending CN109285068A (en) | 2018-10-25 | 2018-10-25 | Online loan inquiry method, apparatus, equipment and storage medium |
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| Country | Link |
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| CN (1) | CN109285068A (en) |
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| CN110246555A (en) * | 2019-04-29 | 2019-09-17 | 华厦眼科医院集团股份有限公司 | The data query method of vision drop |
| CN114782175A (en) * | 2022-06-23 | 2022-07-22 | 天津金城银行股份有限公司 | Bank loan data request method and device and electronic equipment |
| CN116828404A (en) * | 2023-08-02 | 2023-09-29 | 黄文良 | Industry short message accurate sending method and device, electronic equipment and medium |
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| CN104090910A (en) * | 2014-06-09 | 2014-10-08 | 中国建设银行股份有限公司 | Method for online inquiry of loan information, and system for online inquiry of loan information |
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