CN110009476A - A kind of method and apparatus handling application of making loans - Google Patents
A kind of method and apparatus handling application of making loans Download PDFInfo
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- CN110009476A CN110009476A CN201910129473.4A CN201910129473A CN110009476A CN 110009476 A CN110009476 A CN 110009476A CN 201910129473 A CN201910129473 A CN 201910129473A CN 110009476 A CN110009476 A CN 110009476A
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
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Abstract
The present invention is suitable for field of computer technology, provides a kind of method and apparatus for handling application of making loans, this method comprises: obtaining application instruction of making loans；Target credit information is generated based on the credit information and the corresponding image information of the personal information；Corresponding data template is identified based on the target side of making loans, the target credit information is converted into the side's of making loans credit information；Request of making loans is generated according to the side's of making loans credit information；The request of making loans is sent to the target side of making loans and identifies corresponding processing equipment of making loans.The embodiment of the present invention, the application information of making loans that will acquire is converted according to the template data that capital requires, and it generates request of making loans and is sent to processing equipment of making loans, so that exploitation and tester, which do not have to upgrading, helps loan system, new capital can be docked or meet the increased special requirement of making loans of old capital, the stability of system is improved, manpower and time are saved, improves the efficiency of making loans for helping and borrowing platform.
Description
Technical field
The invention belongs to field of computer technology more particularly to a kind of method and apparatus for handling application of making loans.
Background technique
Currently in order to meeting the needs of people, loan product on the market emerges one after another, such as personal debt-credit, bank debit and credit,
Credit card enchashment, help loan, internet finance debt-credit etc..Wherein, Zhu Daizhi mechanism does not offer loans directly, but is borrower crowd
Matching fund side (such as net loan, consumer finance company, petty load, bank, trust etc.) is closed, to realize the circulation of fund.It helps
The bridge that loan system is linked up as debit and capital, since different capitals have different business rules to making loans, it usually needs open
Hair and tester's upgrading help loan system, can just dock new capital or meet the increased special requirement of making loans of old capital, however be
Escalation process labor intensive of uniting and time, and frequently upgrade will lead to and help loan system unstable, it reduces to help and borrows making loans for platform
Efficiency.
Summary of the invention
In view of this, the embodiment of the invention provides a kind of method and apparatus for handling application of making loans, to solve due to not
There is different business rules to making loans with capital, it usually needs exploitation and tester's upgrading help loan system, can just dock new money
Side meets the increased special requirement of making loans of old capital, causes system unstable, expends a large amount of manpowers and time, helps and borrows platform
The problem of low efficiency of making loans.
The first aspect of the embodiment of the present invention provides a kind of method for handling application of making loans, comprising:
Acquisition, which is made loans, applies for instruction；The application instruction of making loans includes the target side of making loans mark and credit information；It is described
Credit information includes the personal information of loan requests people；
It is corresponding based on the credit information and the personal information when credit information satisfaction, which is preset, makes loans condition
Image information generate target credit information；
Corresponding data template is identified based on the target side of making loans, the target credit information is converted into the side's of making loans loan
Money information；
Request of making loans is generated according to the side's of making loans credit information；
The request of making loans is sent to the target side of making loans and identifies corresponding processing equipment of making loans.
The second aspect of the embodiment of the present invention provides a kind of equipment for handling application of making loans, which includes:
Acquiring unit, for obtaining application instruction of making loans；It is described make loans application instruction include the target side of making loans identify and
Credit information；The credit information includes the personal information of loan requests people；
First generation unit, for when the credit information meet it is default make loans condition when, based on the credit information with
And the corresponding image information of the personal information generates target credit information；
Converting unit, for identifying corresponding data template based on the target side of making loans, by the target credit information
Be converted to the side's of making loans credit information；
Second generation unit generates request of making loans for the credit information of the side of making loans according to；
Transmission unit is set for the request of making loans to be sent to the corresponding processing of making loans of the target side of the making loans mark
It is standby.
The third aspect of the embodiment of the present invention provides another equipment for handling application of making loans, including processor, input
Equipment, output equipment and memory, the processor, input equipment, output equipment and memory are connected with each other, wherein described
Memory is used to store the computer program that holding equipment executes the above method, and the computer program includes program instruction, institute
It states processor to be configured for calling described program instruction, executes following steps:
Acquisition, which is made loans, applies for instruction；The application instruction of making loans includes the target side of making loans mark and credit information；It is described
Credit information includes the personal information of loan requests people；
It is corresponding based on the credit information and the personal information when credit information satisfaction, which is preset, makes loans condition
Image information generate target credit information；
Corresponding data template is identified based on the target side of making loans, the target credit information is converted into the side's of making loans loan
Money information；
Request of making loans is generated according to the side's of making loans credit information；
The request of making loans is sent to the target side of making loans and identifies corresponding processing equipment of making loans.
The fourth aspect of the embodiment of the present invention provides a kind of computer readable storage medium, the computer-readable storage
Media storage has computer program, and the computer program performs the steps of when being executed by processor
Acquisition, which is made loans, applies for instruction；The application instruction of making loans includes the target side of making loans mark and credit information；It is described
Credit information includes the personal information of loan requests people；
It is corresponding based on the credit information and the personal information when credit information satisfaction, which is preset, makes loans condition
Image information generate target credit information；
Corresponding data template is identified based on the target side of making loans, the target credit information is converted into the side's of making loans loan
Money information；
Request of making loans is generated according to the side's of making loans credit information；
The request of making loans is sent to the target side of making loans and identifies corresponding processing equipment of making loans.
A kind of method and apparatus handling application of making loans provided in an embodiment of the present invention has the advantages that
The embodiment of the present invention, by obtaining application instruction of making loans；When credit information satisfaction, which is preset, makes loans condition, base
Target credit information is generated in the credit information and the corresponding image information of the personal information；It is made loans based on the target
Side identifies corresponding data template, and the target credit information is converted to the side's of making loans credit information；According to the side's of making loans loan
Money information generates request of making loans；The request of making loans is sent to the target side of making loans and identifies corresponding processing equipment of making loans.
The embodiment of the present invention, based on different capitals to application information of making loans difference require, will acquire make loans application information according to
The template data that capital requires is converted, and is generated request of making loans and be sent to processing equipment of making loans, so that exploitation and tester
Member does not have to upgrading and helps loan system, so that it may dock new capital or meet the increased special requirement of making loans of old capital, improve system
Stability saves manpower and time, improves the efficiency of making loans for helping and borrowing platform.
Detailed description of the invention
It to describe the technical solutions in the embodiments of the present invention more clearly, below will be to embodiment or description of the prior art
Needed in attached drawing be briefly described, it should be apparent that, the accompanying drawings in the following description is only of the invention some
Embodiment for those of ordinary skill in the art without any creative labor, can also be according to these
Attached drawing obtains other attached drawings.
Fig. 1 be one embodiment of the invention provide a kind of processing make loans application method implementation flow chart；
Fig. 2 be another embodiment of the present invention provides a kind of processing make loans application method implementation flow chart；
Fig. 3 be one embodiment of the invention provide a kind of processing make loans application equipment schematic diagram；
Fig. 4 be another embodiment of the present invention provides a kind of processing make loans application equipment schematic diagram.
Specific embodiment
In order to make the objectives, technical solutions, and advantages of the present invention clearer, with reference to the accompanying drawings and embodiments, right
The present invention is further elaborated.It should be appreciated that the specific embodiments described herein are merely illustrative of the present invention, and
It is not used in the restriction present invention.
Referring to Figure 1, Fig. 1 is a kind of schematic flow diagram of method for handling application of making loans provided in an embodiment of the present invention.
The executing subject that the method for application of making loans is handled in the present embodiment is the equipment for handling application of making loans, and including but not limited to processing is put
The terminal of money application or server etc..Processing as shown in Figure 1 is made loans the method for application can include:
S101: acquisition, which is made loans, applies for instruction；The application instruction of making loans includes the target side of making loans mark and credit information；
The credit information includes the personal information of loan requests people.
The equipment acquisition for handling application of making loans, which is made loans, applies for instruction.Application instruction of making loans can be triggered by user, such as client
Loan transaction application is initiated in the equipment that application is made loans in processing triggers application instruction of making loans；It is also possible to receive other and loan is helped to set
Application instruction that preparation was sent make loans.
Application instruction of making loans, which can also be to be made loans according to presetting method generation, applies for instruction.Specifically, application of making loans is handled
Equipment receive make loans application information when, the side of making loans mark and the loan made loans in application information are extracted according to presetting method
The generation of money information, which is made loans, applies for instruction.Application information of making loans is the application information provided when client's application is made loans, may include borrowing
Money information, the side's of making loans mark, bank's flowing water, the image data of loan requests people and the reference of loan requests people etc..Default side
Method is formulated by user according to the different rule for application of making loans in the side of making loans, and needs the specific letter for including in settable application instruction of making loans
Breath, such as the side's of making loans mark and credit information, do not limit this.
Application instruction of making loans includes the side's of making loans mark and credit information；The credit information includes of loan requests people
People's information.Wherein, for the side's of making loans mark for indicating the side of making loans, that is, which company indicate specific granting fund is, can also be managed
Which company's application loan is solution be to.The side's of making loans mark can indicate that user can be according to practical feelings with letter, character, number etc.
Condition setting, does not limit this.For example, the corresponding side of making loans is company A when the side of making loans is identified as A；When the side of making loans is identified as S,
The corresponding side of making loans is S company.
Credit information may include the personal information of loan requests people, such as name, gender, the identity card of loan requests people
Number, contact method, kinsfolk, home address, the application time, whether applied for loan etc.；It can also include contract information, right
Order number, loan requests people bank flowing water information, bank card information, the related data of operation and the intended use of the loan, marriage certificate or
It is unmarried prove, personal reference, assets prove, personal loan repayment capacity proves, repayment schedule information etc..
S102: when credit information satisfaction, which is preset, makes loans condition, based on the credit information and the personal letter
It ceases corresponding image information and generates target credit information.
It is raw based on credit information and the corresponding image information of personal information when credit information satisfaction, which is preset, makes loans condition
At target credit information.
Specifically, credit information need to meet default condition of making loans, and the default condition of making loans can be put according to the side of making loans is different
Money condition is formulated, and the different sides of making loans presets the condition of making loans and can be the same or different, and is not limited this.Such as it presets and puts
Whether the personal information that money condition can be set to loan requests people complete, whether the loan application time is in the side's of making loans working time
Whether interior, loan requests people applied for other loans etc., and whether the reference information that may be arranged as loan requests people is up to standard, borrows
Whether the assets of money claimant match with the amount of the loan, whether complete, repayment schedule information is all congruent for contract information.
When credit information satisfaction, which is preset, makes loans condition, credit information and the corresponding image information of personal information are associated with
Generate target credit information.For example, credit information includes the personal information of loan requests people, personal information may include that loan is asked
The identification card number asked for help is mark with identification card number, and credit information and image information association are generated target credit information.Its
In, the corresponding image information of personal information refers to the image data that loan requests people submits when applying for loan, image information
Form can be photo, picture, audio, video etc., not limit this.Such as the corresponding image information of personal information can be
The identity card front and back sides photo of loan requests people, hand-held identity card picture, residence booklet photo, bank's flowing water voucher, personal reference
Voucher, assets evidence voucher, loan requests recording, loan requests video etc..
Further, S102 may also include S1021-S1023, specific as follows:
S1021: the corresponding image information of the personal information is searched from database；It is stored in the database all
The corresponding image information of the personal information of loan requests people and all sides of making loans identify corresponding image of making loans and need to meet
Preset condition.
Handle the corresponding image of personal information that all loan requests people are stored in the database of the equipment for application of making loans
Information is also stored all sides of making loans and identifies the preset condition that corresponding image of making loans need to meet.Wherein, loan requests people
The corresponding image information of personal information refer to: each loan requests people image data for submitting when applying for loan.The side of making loans
The corresponding preset condition that image need to meet of making loans is identified to refer to: the image information that the side of making loans provides loan application people it is specific
It is required that the condition that the different sides of making loans meets the need that image information is arranged may be different or the same.For example, preset condition
It can be the identity card front and back sides photo, hand-held identity card picture, personal reference voucher that image information need to include loan requests people
Deng；Being also possible to image information need to include identity card front and back sides photo, loan requests video of loan requests people etc..
When credit information satisfaction, which is preset, makes loans condition, the corresponding image letter of personal information is searched from database
Breath.Specifically, when credit information satisfaction, which is preset, makes loans condition, the equipment for application of making loans is handled according to loan requests people's
Personal information searches image information corresponding with personal information in the database.Such as it can be according to the identity card in personal information
Number the corresponding image information of the identification card number is searched in the database.
S1022: it in the image information, searches and meets the target that the target side of making loans identifies corresponding preset condition
Image information.
Further searched for from the image information found in database, find out meet the target side of making loans mark it is corresponding
The target image information for the preset condition that image need to meet of making loans.
Specifically, the corresponding image information of the personal information found in database can be the identity card of loan requests people
Front and back sides photo, hand-held identity card picture, residence booklet photo, bank's flowing water voucher, personal reference voucher, assets evidence voucher,
Loan requests recording, loan requests video etc..The target side of making loans mark is corresponding make loans preset condition that image need to meet can be with
It is the identity card front and back sides photo, hand-held identity card picture, personal reference voucher that image information need to include loan requests people.Then exist
The identity card front and back sides photo of loan requests people is extracted in the corresponding image information of the personal information found, hand-held identity card shines
Piece, personal reference voucher.The identity card front and back sides photo of loan requests people, hand-held identity card picture, personal reference voucher are
Target image information.
S1023: target credit information is generated based on the credit information and the target image information.
It will be wrapped from the target image information extracted in the corresponding image information of personal information and application instruction of making loans
The credit information association included generates target credit information.
S103: corresponding data template is identified based on the target side of making loans, the target credit information is converted to and is put
Money side's credit information.
Corresponding data template is identified according to the target side of making loans, target credit information is converted into the side's of making loans credit information.
Corresponding data template is identified as standard using the target side of making loans, target credit information is converted into the side's of making loans credit information.
Specifically, it is stored with the difference side of making loans in database and identifies corresponding data template, is made loans mark based on target
Know and searches the corresponding data template of the target side of making loans mark in the database.Wherein, the target side of making loans identifies corresponding data mould
Plate refers to: the target side of making loans identifies requirement of the corresponding side of making loans to target credit information.It can be to target credit information
Form, format, content information, storage mode, file size, compress mode etc. are defined.For example, the picture lattice of image information
Formula be PNG format (portable network image), GIF format (GIF(Graphic Interchange format)), EXIF (tradable image file format),
The storage format of target credit information is the size of compressed file, target credit information no more than 20M etc..
Further, S103 may particularly include: corresponding data template be identified based on the target side of making loans, by default
Conversion method converts the target credit information, generates the side's of making loans credit information.
Corresponding data template is identified based on the target side of making loans, it is raw by presetting conversion method switch target credit information
At the side's of making loans credit information.
Specifically, corresponding data template is identified as standard using the target side of making loans, target is borrowed by default conversion method
Money information is converted, and the information after being converted is the side's of making loans credit information.The target side of making loans identifies corresponding data mould
Plate refers to that the target side of making loans identifies requirement of the corresponding side of making loans to target credit information.It can be to the shape of target credit information
Formula, format, content information, storage mode, file size, compress mode etc. are defined.For example, the picture format of image information
For PNG format (portable network image), GIF format (GIF(Graphic Interchange format)), EXIF (tradable image file format), mesh
The storage format for marking credit information is the size of compressed file, target credit information no more than 20M etc.；It can also be and target is borrowed
The restriction of money information particular content, as the core number for needs of making loans is extracted in the requirement according to the side of making loans in target credit information
According to；Or the call format to personal information is put if the gender storage form of personal information in target credit information is male, female
It is 0,1 that Sex form is required in the data template of money side, then can be carried out according to default conversion method to target credit information
Conversion.Conversion method is that user is pre-set, can basis for the data template switch target credit information according to the side of making loans
Actual conditions adjustment, does not limit this.For example, field mapping can be stored in advance in conversion method, the corresponding number of gender male
0, the corresponding number 1 of gender female.When detecting that the gender form of expression is male in target credit information, it is automatically converted to number 0；When
When detecting that the gender form of expression is female in target credit information, it is automatically converted to number 1.It should be noted that above-mentioned conversion
Method is merely illustrative, and specific retransmission method user can set according to the side's of making loans requirement different to information of making loans
It sets, does not limit this.
S104: request of making loans is generated according to the side's of making loans credit information.
Request of making loans is generated according to the side's of making loans credit information.For example, can be packaged, be compressed to the side's of making loans credit information
Deng processing, request of making loans is generated.The relevant information about request of making loans is inquired for the ease of subsequent user or the side of making loans, in root
Made loans when requesting according to the generation of the side's of making loans credit information, also produce serial number, for identifying the request of making loans, subsequent query about
When the relevant information of the request of making loans, relevant information can be obtained by inquiring the serial number.
S105: the request of making loans is sent to the target side of making loans and identifies corresponding processing equipment of making loans.
The request that will make loans is sent to the target side of making loans and identifies corresponding processing equipment of making loans.Wherein, the target side of making loans mark
Corresponding processing equipment of making loans refers to, the target side of making loans identifies the processing that the corresponding side of making loans uses and makes loans the equipment of request, use
In the request of making loans for receiving and processing the equipment transmission for handling application of making loans.Processing equipment of making loans can be asks for handling to make loans
The terminal asked is also possible to the server for handling request of making loans, and practical reception of being subject to is made loans the equipment of request, not to this
It limits.
Further, it sends and makes loans when requesting, can be independent transmission, be also possible to Batch sending.For example, only sending out every time
The request of making loans of a loan requests people is sent, can also be sent together until number of requests of making loans reaches preset threshold.It is default
Threshold value is the pre-set number of requests of making loans of user, can adjust, not limit this according to the actual situation.
Further, in order to guarantee to send the success rate of request of making loans, transmission, which is made loans, will receive processing of making loans after request and sets
What preparation was sent accepts result about making loans for the request of making loans.If not receiving the pass for processing equipment transmission of making loans within a preset time
Result is accepted in making loans for the request of making loans, then it is assumed that this request transmission of making loans is unsuccessful, retransmits the request of making loans.In advance
If the time is that be received make loans such as user is pre-set accept the duration of result, it can adjust according to the actual situation, this is not done
It limits.
The embodiment of the present invention, by obtaining application instruction of making loans；When credit information satisfaction, which is preset, makes loans condition, base
Target credit information is generated in the credit information and the corresponding image information of the personal information；It is made loans based on the target
Side identifies corresponding data template, and the target credit information is converted to the side's of making loans credit information；According to the side's of making loans loan
Money information generates request of making loans；The request of making loans is sent to the target side of making loans and identifies corresponding processing equipment of making loans.
The embodiment of the present invention, based on different capitals to application information of making loans difference require, will acquire make loans application information according to
The template data that capital requires is converted, and is generated request of making loans and be sent to processing equipment of making loans, so that exploitation and tester
Member does not have to upgrading and helps loan system, so that it may dock new capital or meet the increased special requirement of making loans of old capital, improve system
Stability saves manpower and time, improves the efficiency of making loans for helping and borrowing platform.
Fig. 2 is referred to, Fig. 2 is a kind of schematic flow diagram of method for handling application of making loans provided in an embodiment of the present invention.
The executing subject that the method for application of making loans is handled in the present embodiment is the equipment for handling application of making loans, and including but not limited to processing is put
The terminal of money application or server etc..
The difference of the present embodiment embodiment corresponding with Fig. 1 is after S205, further includes S206, in the present embodiment
S101-S105 in S201-S205 embodiment corresponding with Fig. 1 is identical, referring specifically in the corresponding embodiment of Fig. 1
The associated description of S101-S105, does not repeat herein.
Further, in order to improve efficiency of making loans, the request of making loans is being sent to the target side of the making loans mark pair
After the processing equipment of making loans answered, may also include S206: processing equipment of making loans described in reception send about the request of making loans
Make loans and accept result.
The equipment for handling application of making loans is sent to the target side of making loans in the request that will make loans and identifies corresponding processing equipment of making loans
Later, receive processing equipment transmission of making loans accepts result about making loans for the request of making loans.Specifically, processing equipment of making loans connects
Receipts processing is made loans the making loans when requesting of sending of equipment of application, is handled the request of making loans, and processing result is issued place
The equipment for managing application of making loans.Making loans and accepting result can be that the side of making loans has been accepted, the Fang Wei that makes loans is accepted, the side of making loans has received and asked
It asks, Founder of making loans is in processing request etc..
It optionally, can also include S207~S208 after S206, specific as follows:
S207: when it is described make loans accept result be accepted when, Xiang Suoshu make loans processing equipment transmission make loans about described
The result queries request of making loans of request.
It makes loans what processing equipment was sent when the equipment for handling application of making loans receives, accepts knot about making loans for request of making loans
Fruit is to send the result queries request of making loans about the request of making loans to processing equipment of making loans when having accepted.Wherein, it makes loans result
Inquiry request is for inquiring whether the side of making loans makes loans.
S208: the query result of making loans that processing equipment of making loans described in reception is sent based on the result queries request of making loans.
After sending the result queries request of making loans about request of making loans to processing equipment of making loans, processing equipment of making loans is received
The query result of making loans sent based on the result queries request of making loans.Query result of making loans can make loans for agreement, disagree and put
Money, agreement make loans and have made loans, agree to make loans and not make loans temporarily；If query result of making loans is that when disagreeing to make loans, may also include
Disagree the reasons why making loans, for example, not the side of making loans made loans in the working time, the personal information of loan requests people is imperfect, borrow
The personal information of money claimant does not meet regulation of making loans etc..
Further, the relevant information about loan is inquired in order to facilitate subsequent clients and the side of making loans, can will be also put
Money is requested and making loans to this of receiving request it is relevant make loans accept result, the information such as query result of making loans are stored to data
In library.
The embodiment of the present invention, by obtaining application instruction of making loans；When credit information satisfaction, which is preset, makes loans condition, base
Target credit information is generated in the credit information and the corresponding image information of the personal information；It is made loans based on the target
Side identifies corresponding data template, and the target credit information is converted to the side's of making loans credit information；According to the side's of making loans loan
Money information generates request of making loans；The request of making loans is sent to the target side of making loans and identifies corresponding processing equipment of making loans.
The embodiment of the present invention, based on different capitals to application information of making loans difference require, will acquire make loans application information according to
The template data that capital requires is converted, and is generated request of making loans and be sent to processing equipment of making loans, so that exploitation and tester
Member does not have to upgrading and helps loan system, so that it may dock new capital or meet the increased special requirement of making loans of old capital, improve system
Stability saves manpower and time, improves the efficiency of making loans for helping and borrowing platform.
Refer to Fig. 3, Fig. 3 be a kind of processing that one embodiment of the invention provides make loans application equipment schematic diagram.Place
The each unit that the equipment for managing application of making loans includes is used to execute each step in the corresponding embodiment of Fig. 1, Fig. 2.Referring specifically to
Associated description in the corresponding embodiment of Fig. 1, Fig. 2.For ease of description, portion related to the present embodiment is illustrated only
Point.Referring to Fig. 3, the equipment 3 for handling application of making loans includes:
Acquiring unit 310, for obtaining application instruction of making loans；It is described make loans application instruction include the target side of making loans mark with
And credit information；The credit information includes the personal information of loan requests people；
First generation unit 320, for being based on the credit information when credit information satisfaction is preset and makes loans condition
And the corresponding image information of the personal information generates target credit information；
The target is provided a loan and is believed for identifying corresponding data template based on the target side of making loans by converting unit 330
Breath is converted to the side's of making loans credit information；
Second generation unit 340 generates request of making loans for the credit information of the side of making loans according to；
Transmission unit 350 identifies corresponding processing of making loans for the request of making loans to be sent to the target side of making loans
Equipment.
Further, the first generation unit 320 is specifically used for:
The corresponding image information of the personal information is searched from database；All loans are stored in the database to ask
The corresponding image information of the personal information asked for help and all sides of making loans corresponding image of making loans of mark need to meet default
Condition；
In the image information, searches and meet the target image letter that the target side of making loans identifies corresponding preset condition
Breath；
Target credit information is generated based on the credit information and the target image information.
Further, converting unit 330 is specifically used for: identifying corresponding data template based on the target side of making loans, leads to
It crosses default conversion method and converts the target credit information, generate the side's of making loans credit information.
Further, the equipment for application of making loans is handled further include:
Receiving unit accepts knot about making loans for the request of making loans for receive the processing equipment transmission of making loans
Fruit.
Further, the equipment for application of making loans is handled further include:
Inquiry request transmission unit, for when it is described make loans that accept result be to have accepted when, Xiang Suoshu makes loans processing equipment
Send the result queries request of making loans about the request of making loans；
Query result receiving unit is based on the result queries request transmission of making loans for receiving the processing equipment of making loans
Query result of making loans.
Refer to Fig. 4, Fig. 4 be another embodiment of the present invention provides a kind of processing make loans application equipment schematic diagram.
As shown in figure 4, the processing of the embodiment is made loans, the equipment 4 of application includes: processor 40, memory 41 and is stored in described deposit
In reservoir 41 and the computer program 42 that can be run on the processor 40.The processor 40 executes the computer program
Realize that above-mentioned each equipment handles the step in the embodiment of the method for application of making loans, such as S101 shown in FIG. 1 to S105 when 42.
Alternatively, the processor 40 realizes the function of each unit in above-mentioned each Installation practice, example when executing the computer program 42
310 to 350 function of unit as shown in Figure 3.
Illustratively, the computer program 42 can be divided into one or more units, one or more of
Unit is stored in the memory 41, and is executed by the processor 40, to complete the present invention.One or more of lists
Member can be the series of computation machine program instruction section that can complete specific function, and the instruction segment is for describing the computer journey
Implementation procedure of the sequence 42 in the equipment 4.For example, the computer program 42 can be divided into acquiring unit, the first life
At unit, converting unit, the second generation unit and transmission unit, each unit concrete function is as described above.
The equipment includes but are not limited to, processor 40, memory 41.It will be understood by those skilled in the art that Fig. 4 is only
It is only the example of equipment 4, does not constitute the restriction to equipment 4, may include than illustrating more or fewer components, or combination
Certain components or different components, such as the equipment can also include input-output equipment, network access equipment, bus
Deng.
Alleged processor 40 can be central processing unit (Central Processing Unit, CPU), can also be
Other general processors, digital signal processor (Digital Signal Processor, DSP), specific integrated circuit
(Application Specific Integrated Circuit, ASIC), ready-made programmable gate array (Field-
Programmable Gate Array, FPGA) either other programmable logic device, discrete gate or transistor logic,
Discrete hardware components etc..General processor can be microprocessor or the processor is also possible to any conventional processor
Deng.
The memory 41 can be the internal storage unit of the equipment 4, such as the hard disk or memory of equipment 4.It is described
Memory 41 is also possible to the External memory equipment of the equipment 4, such as the plug-in type hard disk being equipped in the equipment 4, intelligence
Storage card (Smart Media Card, SMC), secure digital (Secure Digital, SD) card, flash card (Flash Card)
Deng.Further, the memory 41 can also both include the internal storage unit of the equipment 4 or set including external storage
It is standby.The memory 41 is for other programs and data needed for storing the computer program and the equipment.It is described to deposit
Reservoir 41 can be also used for temporarily storing the data that has exported or will export.
Embodiment described above is merely illustrative of the technical solution of the present invention, rather than its limitations；Although referring to aforementioned reality
Applying example, invention is explained in detail, those skilled in the art should understand that: it still can be to aforementioned each
Technical solution documented by embodiment is modified or equivalent replacement of some of the technical features；And these are modified
Or replacement, the spirit and scope for technical solution of various embodiments of the present invention that it does not separate the essence of the corresponding technical solution should all
It is included within protection scope of the present invention.
Claims (10)
- A kind of method of application 1. processing is made loans characterized by comprisingAcquisition, which is made loans, applies for instruction；The application instruction of making loans includes the target side of making loans mark and credit information；The loan Information includes the personal information of loan requests people；When credit information satisfaction, which is preset, makes loans condition, it is based on the credit information and the corresponding shadow of the personal information As information generates target credit information；Corresponding data template is identified based on the target side of making loans, the target credit information is converted into the side's of making loans loan letter Breath；Request of making loans is generated according to the side's of making loans credit information；The request of making loans is sent to the target side of making loans and identifies corresponding processing equipment of making loans.
- 2. the method as described in claim 1, which is characterized in that it is described when credit information satisfaction is preset and makes loans condition, Target credit information is generated based on the credit information and the corresponding image information of the personal information, comprising:The corresponding image information of the personal information is searched from database；All loan requests people are stored in the database The corresponding image information of personal information and all sides of making loans identify the preset condition that corresponding image of making loans need to meet；In the image information, searches and meet the target image information that the target side of making loans identifies corresponding preset condition；Target credit information is generated based on the credit information and the target image information.
- 3. the method as described in claim 1, which is characterized in that described to identify corresponding data mould based on the target side of making loans The target credit information is converted to the side's of making loans credit information by plate, comprising:Corresponding data template is identified based on the target side of making loans, the target loan letter is converted by default conversion method Breath generates the side's of making loans credit information.
- 4. the method as described in claim 1, which is characterized in that described that the request of making loans is sent to the target side of making loans After identifying corresponding processing equipment of making loans, further includes:What processing equipment of making loans described in reception was sent accepts result about the making loans for request of making loans.
- 5. method as claimed in claim 4, which is characterized in that processing equipment of making loans described in the reception send about described It makes loans after the making loans and accept result of request, further includes:When it is described make loans accept result be accepted when, Xiang Suoshu make loans processing equipment send making loans about the request of making loans Result queries request；The query result of making loans that processing equipment of making loans described in reception is sent based on the result queries request of making loans.
- The equipment of application 6. a kind of processing is made loans characterized by comprisingAcquiring unit, for obtaining application instruction of making loans；The application instruction of making loans includes that the target side of making loans identifies and provides a loan Information；The credit information includes the personal information of loan requests people；First generation unit, for being based on the credit information and institute when credit information satisfaction is preset and makes loans condition It states the corresponding image information of personal information and generates target credit information；Converting unit converts the target credit information for identifying corresponding data template based on the target side of making loans For the side's of making loans credit information；Second generation unit generates request of making loans for the credit information of the side of making loans according to；Transmission unit identifies corresponding processing equipment of making loans for the request of making loans to be sent to the target side of making loans.
- 7. equipment as claimed in claim 6, which is characterized in that second generation unit is specifically used for:Corresponding data template is identified based on the target side of making loans, the target loan letter is converted by default conversion method Breath generates the side's of making loans credit information.
- 8. equipment as claimed in claim 6, which is characterized in that further include:Receiving unit accepts result about the making loans for request of making loans for receive the processing equipment transmission of making loans.
- The equipment of application 9. a kind of processing is made loans, including memory, processor and storage are in the memory and can be in institute State the computer program run on processor, which is characterized in that the processor is realized when executing the computer program as weighed Benefit requires the step of any one of 1 to 5 the method.
- 10. a kind of computer readable storage medium, the computer-readable recording medium storage has computer program, and feature exists In when the computer program is executed by processor the step of any one of such as claim 1 to 5 of realization the method.
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| Application Number | Priority Date | Filing Date | Title |
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| CN201910129473.4A CN110009476A (en) | 2019-02-21 | 2019-02-21 | A kind of method and apparatus handling application of making loans |
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| CN201910129473.4A CN110009476A (en) | 2019-02-21 | 2019-02-21 | A kind of method and apparatus handling application of making loans |
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Application publication date: 20190712 |