CN116308753A - Method and device for determining client information and electronic equipment - Google Patents

Abstract

The application discloses a method and a device for determining customer information and electronic equipment, wherein the method is applied to the field of financial science and technology or other fields, and comprises the following steps: acquiring a target warehouse of a financing application of a client; checking whether financing information of a client accords with a first preset condition; if the financing information accords with the first preset condition, checking whether the background information of the target warehouse is in accordance with the second preset condition; and if the background information accords with the second preset condition, determining that the financing application of the client passes. According to the method and the device for determining the information of the clients, the problem that the efficiency of determining the information of the clients is low due to the fact that the time consumption of the whole investigation process is long due to the fact that multiple investigation needs to be conducted on the financing application of the clients through the client manager in the related technology is solved.

Description

Method and device for determining client information and electronic equipment

Technical Field

The present invention relates to the field of financial science and technology or other fields, and in particular, to a method and apparatus for determining client information, and an electronic device.

Background

At present, along with the rapid development of general benefit business, more and more small micro-enterprises have financing demands on the scenes of futures transaction, banking institutions correspondingly provide financing services for the small micro-enterprises under the scenes of futures transaction, namely, the small micro-enterprises initiate financing applications according to the one-way banking institutions of the period warehouse, acceptance institutions (namely, the banking institutions) audit the financing applications proposed by the small micro-enterprises, the acceptance institutions pay money to futures suppliers after the audit passes, and the small micro-enterprises pay money uniformly on promised payment days. In the prior art, when a receiving mechanism examines and examines a financing application provided by a client, a client manager of the receiving mechanism generally performs background investigation on the client, and the client manager is required to synthesize relevant information such as warehouse receipt information, management data, trade background, pedestrian sign information, external fraud information, overdue bad information and the like of the client to examine and evaluate the client. However, since a great amount of data needs to be acquired by the method for checking and evaluating the client by the client manager, a great amount of time is spent, so that a great amount of time is spent in the process of checking the client by the acceptance mechanism, and the working efficiency of the acceptance mechanism is reduced. In addition, because the working experiences of different client managers are different, the clients are easily subjectively influenced by the client managers when judged, so that the auditing result of the financing application of the clients is inaccurate, and the financial risk of the acceptance mechanism is increased.

Aiming at the problem that the financing application for the client in the related technology needs to be investigated for multiple times by a client manager, the whole investigation process takes longer time, so that the information of the client is determined with lower efficiency, and no effective solution is proposed at present.

Disclosure of Invention

The main purpose of the application is to provide a method, a device and an electronic device for determining client information, so as to solve the problem that in the related technology, a client manager is required to conduct multiple surveys on the client's financing application, and the whole survey process takes a long time, so that the efficiency of determining the client's information is low.

To achieve the above object, according to one aspect of the present application, there is provided a method of determining client information, the method comprising: acquiring a target warehouse of a financing application of a client; checking whether the financing information of the client accords with a first preset condition, wherein the first preset condition is used for judging whether the financing information meets a financing application; if the financing information accords with the first preset condition, checking whether the background information of the target warehouse is in accordance with a second preset condition, wherein the second preset condition is used for judging whether the background information meets the financing application; and if the background information accords with the second preset condition, determining that the financing application of the client passes.

Further, the financing information includes at least: the client applies for the financing amount of financing in the acceptance mechanism, the target warehouse and the financing time of financing in the target warehouse, and the first preset condition at least comprises: the checking whether the financing information of the client meets the first preset condition comprises the following steps of: checking whether enterprise information of the client in an acceptance mechanism accords with the first preset sub-condition; if the enterprise information accords with the first preset sub-condition, checking whether the financing amount of the financing application in the target warehouse bill accords with the second preset sub-condition; if the financing amount accords with the second preset sub-condition, checking whether the financing time of applying for financing in the target warehouse is in accordance with the third preset sub-condition or not; and if the financing time accords with the third preset sub-condition, determining that the financing information of the client accords with the first preset condition.

Further, verifying whether the enterprise information of the client in the acceptance mechanism meets the first preset sub-condition comprises: judging whether the business registration information of the client is a first preset value or not; if the business registration information of the client is a first preset value, judging whether legal representative information of the client in a first preset financial institution is consistent with legal representative information of the client in a second preset financial institution, wherein the first preset financial institution and the second preset financial institution are different financial institutions; if the legal representative information of the client at the first preset financial institution is consistent with the legal representative information of the client at the second preset financial institution, judging whether a bad record exists in the credit investigation condition of the client at the first preset financial institution; if the client has no bad record in the credit investigation condition of the first preset financial institution, judging whether the client establishes a client file in the acceptance institution; and if the client establishes a client file in the acceptance mechanism, determining that the enterprise information of the client in the acceptance mechanism meets the first preset sub-condition.

Further, if the enterprise information meets the first preset sub-condition, checking whether the financing amount of the financing application in the target warehouse bill meets the second preset sub-condition includes: judging whether the unremoved stock loan of the client in the acceptance mechanism is smaller than a second preset value or not; if the outstanding stock loan is smaller than the second preset value, judging whether the pre-payment amount of the financing application in the target warehouse is smaller than or equal to the total amount of the financing application in the target warehouse; if the prepaid amount of the applied financing in the target warehouse is smaller than or equal to the total amount of the applied financing in the target warehouse, calculating the total amount of the applied financing in the target warehouse minus the prepaid amount of the applied financing in the target warehouse to obtain a first numerical value; judging whether the credit remaining amount of the client in the acceptance mechanism is larger than or equal to the first numerical value; and if the credit remaining amount is greater than or equal to the first value, determining that the financing amount in the target warehouse bill meets the second preset sub-condition.

Further, if the financing amount meets the second preset sub-condition, checking whether the financing time of applying for financing in the target warehouse bill meets the third preset sub-condition comprises: judging whether the pick-up date in the target warehouse is greater than or equal to the current date; if the pick-up date is greater than or equal to the current date, judging whether the promised payment date in the target warehouse is greater than the pick-up date in the target warehouse; if the promised payment date is larger than the picking date in the target warehouse bill, calculating the numerical value of the promised payment date in the target warehouse bill minus the picking date in the target warehouse bill to obtain a second numerical value; judging whether the second value is smaller than or equal to a preset payment period; and if the second value is smaller than or equal to the preset payment period, determining that the financing time in the target warehouse bill meets the third preset sub-condition.

Further, the background information includes at least: the client applies for the bill information of the historical bill of financing and the financing amount of the client, and the second preset condition at least comprises: the fourth preset sub-condition and the fifth preset sub-condition, if the financing information accords with the first preset condition, checking whether the background information of the target warehouse is in accordance with the second preset condition comprises: checking whether the warehouse information of the historical warehouse of the client application financing accords with the fourth preset sub-condition; if the bill information of the history bill meets the fourth preset sub-condition, checking whether the financing amount of the client meets the fifth preset sub-condition; and if the financing amount accords with the fifth preset sub-condition, determining that the background information of the target warehouse is in accordance with the second preset condition.

Further, verifying whether the bill information of the historical bill of the client applied for financing meets the fourth preset sub-condition comprises: judging whether the prepaid amount of the applied financing in each history list in the history list is smaller than or equal to the total amount of the applied financing in the corresponding history list; if the pre-payment amount of the financing application in each history bill in the history bill is smaller than or equal to the total amount of the financing application in the corresponding history bill, judging whether the pick-up date of each history bill is smaller than or equal to the promised payment date of the corresponding history bill; if the picking date of each history warehouse is smaller than or equal to the promised payment date of the corresponding history warehouse, judging whether the promised payment date of each history warehouse is larger than or equal to the actual payment date of the corresponding history warehouse; and if the promised payment date of each history bill is greater than or equal to the actual payment date of the corresponding history bill, determining that the bill information of the history bill of the client applied for financing accords with the fourth preset sub-condition.

Further, if the bill information of the history bill meets the fourth preset sub-condition, checking whether the financing amount of the client meets the fifth preset sub-condition comprises: calculating the financing amount according to the total amount of the financing application in each history list in the history list, the pre-payment amount of the financing application in each history list and the total amount of the financing application in the target list; calculating the value of the total amount of the applied financing in the target warehouse minus the pre-payment amount of the applied financing in the target warehouse to obtain a third value; judging whether the third value is less than or equal to the financing amount; and if the third value is smaller than or equal to the financing amount, determining that the financing amount of the client meets the fifth preset sub-condition.

In order to achieve the above object, according to another aspect of the present application, there is provided a client information determining apparatus including: the acquisition unit is used for acquiring a target warehouse bill of the financing application of the client; the first verification unit is used for verifying whether the financing information of the client accords with a first preset condition, wherein the first preset condition is used for judging whether the financing information meets a financing application; the second verification unit is used for verifying whether the background information of the target warehouse list accords with a second preset condition if the financing information accords with the first preset condition, wherein the second preset condition is used for judging whether the background information meets the financing application; and the determining unit is used for determining that the financing application of the client passes if the background information accords with the second preset condition.

Further, the first verification unit includes: a first verification subunit, configured to verify whether enterprise information of the client in the acceptance mechanism meets the first preset sub-condition; a second checking sub-unit, configured to check whether the financing amount of the financing application in the target warehouse bill meets the second preset sub-condition if the enterprise information meets the first preset sub-condition; a third checking sub-unit, configured to check whether the financing time of the financing application in the target warehouse bill meets the third preset sub-condition if the financing amount meets the second preset sub-condition; and the first determining subunit is used for determining that the financing information of the client accords with the first preset condition if the financing time accords with the third preset condition.

Further, the first syndrome unit includes: the first judging module is used for judging whether the business registration information of the client is a first preset value or not; the second judging module is used for judging whether legal representative person information of the client in a first preset financial institution is consistent with legal representative person information of the client in a second preset financial institution if the business registration information of the client is a first preset numerical value, wherein the first preset financial institution and the second preset financial institution are different financial institutions; a third judging module, configured to judge whether a bad record exists in a credit investigation situation of the client at the first preset financial institution if legal representative information of the client at the first preset financial institution is consistent with legal representative information of the client at the second preset financial institution; a fourth judging module, configured to judge whether the client establishes a client profile in the acceptance mechanism if the client does not have a bad record in the credit investigation situation of the first preset financial mechanism; and the first determining module is used for determining that the enterprise information of the client in the acceptance mechanism accords with the first preset sub-condition if the client establishes a client file in the acceptance mechanism.

Further, the second checking subunit includes: a fifth judging module, configured to judge whether the amount of loan that is not cleared by the customer in the acceptance mechanism is less than a second preset value; a sixth judging module, configured to judge whether a prepaid amount of the financing application in the target warehouse is less than or equal to a total amount of the financing application in the target warehouse if the unremoved inventory loan is less than the second preset value; the first calculation module is used for calculating the total amount of the applied financing in the target bill minus the pre-payment amount of the applied financing in the target bill if the pre-payment amount of the applied financing in the target bill is smaller than or equal to the total amount of the applied financing in the target bill, so as to obtain a first numerical value; a seventh judging module, configured to judge whether a credit remaining credit limit of the client in the acceptance mechanism is greater than or equal to the first value; and the second determining module is used for determining that the financing amount in the target warehouse is in accordance with the second preset sub-condition if the credit remaining amount is greater than or equal to the first numerical value.

Further, the third syndrome unit includes: the eighth judging module is used for judging whether the pick-up date in the target warehouse is greater than or equal to the current date; a ninth judging module, configured to judge whether the promised payment date in the target warehouse is greater than the pickup date in the target warehouse if the pickup date is greater than or equal to the current date; the second calculation module is used for calculating the value of subtracting the pick-up date in the target warehouse bill from the promised payment date in the target warehouse bill if the promised payment date is larger than the pick-up date in the target warehouse bill, so as to obtain a second value; a tenth judging module, configured to judge whether the second value is less than or equal to a preset payment period; and a third determining module, configured to determine that the financing time in the target warehouse is in accordance with the third preset sub-condition if the second value is less than or equal to the preset payment period.

Further, the second checking unit includes: a fourth checking subunit, configured to check whether the bin information of the historical bin of the client application for financing meets the fourth preset sub-condition; a fifth checking subunit, configured to check whether the financing amount of the client meets the fifth preset sub-condition if the bill information of the history bill meets the fourth preset sub-condition; and the second determining subunit is configured to determine that the background information of the target warehouse is in accordance with the second preset condition if the financing amount is in accordance with the fifth preset condition.

Further, the fourth syndrome unit includes: the eleventh judging module is used for judging whether the prepaid amount of the applied financing in each history list in the history list is smaller than or equal to the total amount of the applied financing in the corresponding history list; a twelfth judging module, configured to judge whether the pick-up date of each history list is less than or equal to the promised payment date of the corresponding history list if the prepaid amount of the applied financing in each history list is less than or equal to the total amount of the applied financing in the corresponding history list; a thirteenth judging module, configured to judge whether the committed payment date of each history bill is greater than or equal to the actual payment date of the corresponding history bill if the picking date of each history bill is less than or equal to the committed payment date of the corresponding history bill; and the fourth determining module is used for determining that the bill information of the historical bill of the client applied for financing accords with the fourth preset sub-condition if the promised payment date of each historical bill is larger than or equal to the actual payment date of the corresponding historical bill.

Further, the fifth syndrome unit includes: the third calculation module is used for calculating the financing amount according to the total amount of the financing application in each history list in the history list, the pre-payment amount of the financing application in each history list and the total amount of the financing application in the target list; the fourth calculation module is used for calculating the value of the total amount of the applied financing in the target warehouse bill minus the pre-payment amount of the applied financing in the target warehouse bill to obtain a third value; a fourteenth determination module, configured to determine whether the third value is less than or equal to the financing amount; and a fifth determining module, configured to determine that the financing amount of the client meets the fifth preset sub-condition if the third value is less than or equal to the financing amount.

To achieve the above object, according to one aspect of the present application, there is provided a processor for executing a program, wherein the program executes the method for determining client information according to any one of the above.

To achieve the above object, according to one aspect of the present application, there is provided an electronic device including one or more processors and a memory for storing one or more programs, wherein the one or more programs, when executed by the one or more processors, cause the one or more processors to implement the method for determining client information according to any one of the above.

Through the application, the following steps are adopted: acquiring a target warehouse of a financing application of a client; checking whether the financing information of the client accords with a first preset condition, wherein the first preset condition is used for judging whether the financing information meets a financing application; if the financing information accords with the first preset condition, checking whether the background information of the target warehouse is in accordance with a second preset condition, wherein the second preset condition is used for judging whether the background information meets the financing application; if the background information accords with the second preset condition, determining that the financing application of the client passes, and solving the problem that the efficiency of determining the information of the client is lower because the client manager is required to conduct multiple surveys on the financing application of the client in the related technology. The relevant data of the client is acquired from the data lake, and the financing application of the client is automatically audited according to the first preset condition and the second preset condition, so that the influence of subjective factors in manual audit is avoided, and the effect of improving the audit efficiency of the financing application of the audited client is achieved.

Drawings

The accompanying drawings, which are included to provide a further understanding of the application, illustrate and explain the application and are not to be construed as limiting the application. In the drawings:

FIG. 1 is a flow chart of a method of determining customer information provided in accordance with an embodiment of the present application;

FIG. 2 is a schematic diagram of an alternative method of determining customer information provided in accordance with an embodiment of the present application;

FIG. 3 is a schematic diagram of a device for determining customer information provided according to a second embodiment of the present application;

fig. 4 is a schematic diagram of an electronic device for determining client information provided according to a fifth embodiment of the present application.

Detailed Description

It should be noted that, in the case of no conflict, the embodiments and features in the embodiments may be combined with each other. The present application will be described in detail below with reference to the accompanying drawings in conjunction with embodiments.

It should be noted that, the processing method, the device, the processor and the method and the device for determining the electronic device of the disclosure may be used in the financing application provided by the auditing client in the field of financial science and technology, so as to improve the auditing efficiency of the financing application of the auditing client, and may also be used in any field other than the field of financial science and technology.

It should be noted that, the user information (including, but not limited to, user equipment information, user personal information, information of the user at the financial institution, etc.) and the data (including, but not limited to, data for analysis, stored data, displayed data, calculated data, etc.) related to the present application are information and data authorized by the user or sufficiently authorized by each party, and the collection, use and processing of the related data need to comply with the related laws and regulations and standards of the related country and region, and are provided with corresponding operation entries for the user to select authorization or rejection.

In order to make the present application solution better understood by those skilled in the art, the technical solution in the first embodiment of the present application will be clearly and completely described below with reference to the accompanying drawings in the first embodiment of the present application, and it is apparent that the described embodiment is only a part of embodiments of the present application, not all embodiments. All other embodiments, which can be made by one of ordinary skill in the art based on the embodiments herein without making any inventive effort, shall fall within the scope of the present application.

It should be noted that the terms "first," "second," and the like in the description and claims of the present application and the above figures are used for distinguishing between similar objects and not necessarily for describing a particular sequential or chronological order. It is to be understood that the data so used may be interchanged where appropriate in order to describe the embodiments of the present application described herein. Furthermore, the terms "comprises," "comprising," and "having," and any variations thereof, are intended to cover a non-exclusive inclusion, such that a process, method, system, article, or apparatus that comprises a list of steps or elements is not necessarily limited to those steps or elements expressly listed but may include other steps or elements not expressly listed or inherent to such process, method, article, or apparatus.

Example 1

The present invention will be described with reference to preferred embodiments, and FIG. 1 is a flowchart of a method for determining customer information provided according to an embodiment of the present application, as shown in FIG. 1, the method comprising the steps of:

step S101, obtaining a target warehouse list of a financing application of a client.

In the first embodiment, the client submits the financing application to the acceptance mechanism by means of the certification of the stored goods (i.e. the target warehouse bill) held by the client, and the acceptance mechanism examines the financing application submitted by the client, i.e. the acceptance mechanism manages the client access of the client. Before the acceptance mechanism examines the financing application of the client, the relevant information of the client needs to be acquired from the relevant financial mechanism, then the relevant information of the client is loaded into a data lake of the acceptance mechanism, and the acceptance mechanism examines the financing application of the client according to the relevant information of the client. The data presented in table one is the relevant information of the customer obtained at the relevant financial institution.

Examples of relevant information for clients in a form data lake

Step S102, checking whether the financing information of the client meets a first preset condition, wherein the first preset condition is used for judging whether the financing information meets the financing application.

In order to audit the financing application provided by the client, the acceptance mechanism needs to judge the financing information filled in the target warehouse of the client first.

Step S103, if the financing information accords with the first preset condition, checking whether the background information of the target warehouse accords with the second preset condition, wherein the second preset condition is used for judging whether the background information meets the financing application.

In order to improve the work efficiency of the acceptance mechanism for auditing the financing application of the client, after the acceptance mechanism judges the financing information of the client: if the financing information of the client does not accord with the first preset condition, the client is not checked any more; and if the financing information of the client accords with the first preset condition, continuing to check the client. And checking whether the background information of the client in the acceptance mechanism meets a second preset condition.

Step S104, if the background information accords with the second preset condition, determining that the financing application of the client passes.

If the background information of the client and the financing information of the target warehouse pass verification, determining that the financing application of the client passes, and then continuing to process the client in the next step by the acceptance mechanism. In the first embodiment, the process of auditing the financing application of the client is integrated into an automatic access model, and the client who proposes the financing application can be automatically audited by adopting the automatic access model, so as to obtain an auditing result.

In summary, in the method for determining client information provided in the first embodiment of the present application, a target warehouse of a financing application of a client is obtained; checking whether the financing information of the client accords with a first preset condition, wherein the first preset condition is used for judging whether the financing information meets the financing application; if the financing information accords with the first preset condition, checking whether the background information of the target warehouse is in accordance with the second preset condition, wherein the second preset condition is used for judging whether the background information meets the financing application; if the background information accords with the second preset condition, the financing application of the client is determined to pass, and the problem that the efficiency of determining the information of the client is lower due to long time consumption of the whole investigation process because a plurality of investigation needs to be carried out on the financing application of the client through a client manager in the related technology is solved. The relevant data of the client is acquired from the data lake, and the financing application of the client is automatically audited according to the first preset condition and the second preset condition, so that the influence of subjective factors in manual audit is avoided, and the effect of improving the audit efficiency of the financing application of the audited client is achieved.

Optionally, in the method for determining client information provided in the first embodiment of the present application, the financing information includes at least: the client applies for the financing amount of financing in the enterprise information of the acceptance mechanism, the target warehouse and the financing time of financing in the target warehouse, and the first preset condition at least comprises: the checking whether the financing information of the customer meets the first preset condition comprises the following steps of: checking whether enterprise information of a customer in an acceptance mechanism accords with a first preset sub-condition or not; if the enterprise information accords with the first preset sub-condition, checking whether the financing amount of the financing application in the target warehouse is in accordance with the second preset sub-condition; if the financing amount accords with the second preset sub-condition, checking whether the financing time of the financing application in the target warehouse accords with the third preset sub-condition or not; if the financing time accords with the third preset sub-condition, determining that the financing information of the client accords with the first preset condition.

In the first embodiment, in order to save the time of checking the financing application of the client, the background information of the client is checked by sequentially adopting a first preset sub-condition, a second preset sub-condition and a third preset sub-condition in the first preset condition. Firstly, checking enterprise information of a customer in an acceptance mechanism, then checking financing amount of financing application in a target warehouse of the customer, and finally checking financing time of financing application in the target warehouse of the customer. If the financing information of the client is found to be inconsistent with the first preset condition in the verification process, the relevant information of the client in the acceptance mechanism is determined to be inconsistent with the condition that the financing application passes, and the verification of the client is stopped.

The method has the advantages that the first preset sub-condition, the second preset sub-condition and the third preset sub-condition in the first preset condition are adopted to check the financing information of the client so as to determine that the financing information of the client accords with the condition that the financing application passes, the method that a model auditing method is adopted to replace a manual auditing method is adopted to process and audit the relevant information of the client, and the effect of improving the auditing efficiency of the financing application of the auditing client is achieved.

Optionally, in the method for determining client information provided in the first embodiment of the present application, verifying whether the enterprise information of the client in the acceptance mechanism meets the first preset sub-condition includes: judging whether the business registration information of the client is a first preset value or not; if the business registration information of the client is a first preset value, judging whether legal representative information of the client in a first preset financial institution is consistent with legal representative information of the client in a second preset financial institution, wherein the first preset financial institution and the second preset financial institution are different financial institutions; if the legal representative information of the client at the first preset financial institution is consistent with the legal representative information of the client at the second preset financial institution, judging whether the credit investigation condition of the client at the first preset financial institution has bad records; if the credit investigation condition of the customer at the first preset financial institution does not have bad records, judging whether the customer establishes a customer file at the acceptance institution; if the client establishes a client file in the acceptance mechanism, the enterprise information of the client in the acceptance mechanism is determined to accord with the first preset sub-condition.

In the first embodiment, in order to verify whether the enterprise information of the customer in the acceptance organization meets the first preset sub-condition, the judgment needs to be made on the business registration information of the customer, the legal representative information of the customer in the first preset financial organization, the legal representative information of the customer in the second preset financial organization, the credit investigation condition of the customer in the first preset financial organization and the filing condition of the customer in the acceptance organization.

Firstly, the business registration information of the customer is acquired from the data lake of the acceptance mechanism, and the business registration information of the customer in the data lake is processed and stored in the data lake in the form of numerical values, so that the numerical value of the business registration information of the customer in the data lake is only required to be compared with a first preset numerical value, whether the numerical value of the business registration information of the customer is consistent with the first preset numerical value or not can be determined, and the next judgment is carried out. Then, inquiring legal representative information of the customer in a first preset financial institution in a data lake according to the customer name of the customer, and inquiring legal representative information of the customer in a second preset financial institution in the data lake according to the customer name at the same time, and comparing whether the legal representative information of the customer corresponding to the first preset financial institution is consistent with the legal representative information of the customer corresponding to the second preset financial institution. If the legal representative information corresponding to the client in the first preset financial institution is consistent with the legal representative information corresponding to the client in the second preset financial institution, the next judgment is carried out. And then, acquiring the credit records of the clients from the data lake, wherein the clients are stored in the data lake in a numerical mode under the condition that whether the first preset financial institution has bad credit records or not, so that whether the clients have bad credit records or not is judged according to the numerical values of the credit records of the clients in the data lake in the first preset financial institution. If the client does not have the bad credit record in the first preset financial institution, the next step of judgment is carried out. And finally, judging whether the client establishes the client file in the acceptance mechanism according to the numerical value of the file establishment condition of the client in the data lake in the acceptance mechanism. If the client establishes a client file in the acceptance mechanism, determining that the enterprise information of the client in the acceptance mechanism meets a first preset sub-condition.

The business registration information of the client, legal representative information of the client at a first preset financial institution, legal representative information of the client at a second preset financial institution, credit investigation conditions of the client at the first preset financial institution and profile investigation conditions of the client at an acceptance institution are judged, whether the enterprise information of the client at the acceptance institution meets the first preset sub-conditions is determined, the effect of carefully evaluating the enterprise information of the client at the acceptance institution is achieved, financial risk of the acceptance institution is reduced, and meanwhile the effect of improving auditing efficiency of the financing application of the auditing client is achieved.

Optionally, in the method for determining client information provided in the first embodiment of the present application, if the enterprise information meets the first preset sub-condition, verifying whether the financing amount of the financing application in the target warehouse meets the second preset sub-condition includes: judging whether the unremoved stock loan of the customer in the acceptance mechanism is smaller than a second preset value or not; if the unremoved stock loan is smaller than the second preset value, judging whether the pre-payment amount of the applied financing in the target warehouse is smaller than or equal to the total amount of the applied financing in the target warehouse; if the prepaid amount of the applied financing in the target warehouse is smaller than or equal to the total amount of the applied financing in the target warehouse, calculating the total amount of the applied financing in the target warehouse minus the prepaid amount of the applied financing in the target warehouse to obtain a first numerical value; judging whether the credit remaining amount of the client in the acceptance mechanism is larger than or equal to a first numerical value; if the credit remaining amount is greater than or equal to the first value, determining that the financing amount in the target warehouse is in accordance with a second preset sub-condition.

In the first embodiment, in order to verify the amount of financing applied for financing in the target warehouse of the customer, it is necessary to calculate and determine the amount of outstanding loan applied for financing in the acceptance mechanism by the customer, the amount of advance payment applied for financing in the target warehouse, the total amount applied for financing in the target warehouse, and the credit remaining amount of the customer in the acceptance mechanism. When judging the unremoved stock loan of the customer in the acceptance mechanism, the staff can set the second preset value in the automatic admittance model according to the evaluation grade of the customer by the acceptance mechanism. For example, the customer a is evaluated as a good customer by the acceptance mechanism, the acceptance mechanism can properly increase the second preset value, and the scheme can not bring too great financial risk while increasing the loan amount of the customer a, and is beneficial to establishing a good and sustainable cooperative relationship between the acceptance mechanism and the customer a. If the unremoved stock loan of the client in the acceptance mechanism is smaller than a second preset value, calculating the total amount of the applied financing in the target bill of the client minus the value of the pre-paid amount of the applied financing in the target bill to obtain a second value, then acquiring the credit remaining amount of the client in the acceptance mechanism from the data lake, and comparing the second value with the credit remaining amount. And finally, if the credit remaining amount of the client is larger than or equal to the second numerical value, determining that the financing amount of the financing application in the target warehouse of the client accords with a second preset sub-condition.

The loan condition of the client in the acceptance mechanism is integrated, the financing amount of the financing application in the target warehouse of the client is judged according to the second preset sub-condition, the effect that the acceptance mechanism evaluates the loan condition of the client is realized, and meanwhile, the flexibly-settable parameters are adopted, so that the acceptance mechanism is facilitated to process the financing application submitted by different clients more flexibly, and the effect of improving the auditing efficiency of the financing application of the auditing client is achieved.

Optionally, in the method for determining client information provided in the first embodiment of the present application, if the financing amount meets a second preset sub-condition, checking whether the financing time of applying for financing in the target warehouse meets a third preset sub-condition includes: judging whether the pick-up date in the target warehouse is greater than or equal to the current date; if the pick-up date is greater than or equal to the current date, judging whether the promised payment date in the target warehouse is greater than the pick-up date in the target warehouse; if the promised payment date is larger than the picking date in the target warehouse bill, calculating the promised payment date in the target warehouse bill minus the value of the picking date in the target warehouse bill to obtain a second value; judging whether the second value is smaller than or equal to a preset payment period; if the second value is less than or equal to the preset payment period, determining that the financing time in the target warehouse is in accordance with a third preset sub-condition.

In the first embodiment, in order to audit the financing time of the financing application in the target warehouse of the customer, calculation and judgment of the date of pick-up and the date of promised payment in the target warehouse of the customer are required. Firstly, judging whether the pick-up date in the target warehouse of the customer is larger than or equal to the current date, and then judging whether the promised payment date in the target warehouse is larger than the pick-up date in the target warehouse. Finally, whether the value of the promised payment date in the target warehouse list minus the picking date in the target warehouse list is smaller than or equal to the preset payment period is judged. Wherein, the preset payment period can be properly adjusted according to the evaluation grade of the customer by the acceptance mechanism. For example, the value of the predetermined payment period may be appropriately increased for the high-quality customer a in the reception facility, and the payment period of the customer a may be appropriately relaxed. If the pick-up date and the promised payment date of the target warehouse of the customer do not meet the third preset sub-condition, determining that the target warehouse of the customer has error information, and failing to agree with the financing application of the customer.

By checking the financing time of the financing application in the target warehouse bill, the assessment of the payment condition of the financing application of the client is realized, and meanwhile, the changeable parameters are adopted, so that the acceptance mechanism can generate different loan schemes for different clients more flexibly, the acceptance mechanism is facilitated to develop wider business, and the effect of improving the checking efficiency of the financing application of the checking client is also achieved.

Optionally, in the method for determining client information provided in the first embodiment of the present application, the background information includes at least: the client applies for the bill information of the historical bill of financing and the financing amount of the client, and the second preset condition at least comprises: the fourth preset sub-condition and the fifth preset sub-condition, if the financing information accords with the first preset condition, checking whether the background information of the target warehouse list accords with the second preset condition comprises the following steps: checking whether the warehouse information of the historical warehouse of the client application financing accords with a fourth preset sub-condition; if the warehouse information of the history warehouse accords with the fourth preset sub-condition, checking whether the financing amount of the client accords with the fifth preset sub-condition; if the financing amount accords with the fifth preset sub-condition, determining that the background information of the target warehouse accords with the second preset condition.

In the first embodiment, in order to save the time of checking the financing application of the client, the background information of the client is checked by sequentially adopting the fourth preset sub-condition and the fifth preset sub-condition in the second preset condition. Firstly, checking the warehouse information of a historical warehouse of a client applying for financing, and then checking the financing amount of the client. If the background information of the client is found to be not in accordance with the second preset condition in the verification process, the relevant information of the client in the acceptance mechanism is determined to be not in accordance with the condition that the financing application passes, and the verification of the client is stopped.

By checking the background information of the client by adopting the fourth preset sub-condition and the fifth preset sub-condition in the second preset condition to determine that the background information of the client accords with the passing condition of the financing application, the method of adopting the model auditing to replace the manual auditing method to process and audit the related information of the client is realized, and the effect of improving the auditing efficiency of the financing application of the auditing client is achieved.

Optionally, in the method for determining client information provided in the first embodiment of the present application, verifying whether the bill information of the historical bill of the client application for financing meets the fourth preset sub-condition includes: judging whether the prepaid amount of the applied financing in each history list in the history list is smaller than or equal to the total amount of the applied financing in the corresponding history list; if the pre-payment amount of the financing application in each history bill in the history bill is smaller than or equal to the total amount of the financing application in the corresponding history bill, judging whether the pick-up date of each history bill is smaller than or equal to the promised payment date of the corresponding history bill; if the picking date of each history warehouse is smaller than or equal to the promised payment date of the corresponding history warehouse, judging whether the promised payment date of each history warehouse is larger than or equal to the actual payment date of the corresponding history warehouse; if the promised payment date of each history bill is larger than or equal to the actual payment date of the corresponding history bill, the bill information of the history bill of the client applied for financing is determined to accord with a fourth preset sub-condition.

In the first embodiment, in order to verify the bill information of the historical bill of the client applying for financing, the historical bill of the client in the second preset financial institution is acquired from the data lake, and the bill information in the historical bill is determined. Firstly, judging whether the prepaid amount of each history bill in the history bill of the client for applying financing is smaller than or equal to the total amount of the financing application in the corresponding history bill; then judging whether the pick-up date of each history warehouse is less than or equal to the promised payment date in the corresponding history warehouse; and finally judging whether the promised payment date of each history warehouse is larger than or equal to the actual payment date in the corresponding history warehouse. For example, the pre-payment amount for applying financing in the history bill A1 of the client a is 20, the total amount for applying financing is 50, the date of pickup is 2 months 1 day, the date of promised payment is 2 months 15 days, and the actual date of payment is 2 months 15 days; the pre-payment amount of the applied financing in the historical warehouse bill A2 of the client A is 20, the total amount of the applied financing is 50, the date of picking up the goods is 2 months 1 day, the date of promised payment is 2 months 15 days, and the actual date of payment is 2 months 20 days. The client A submits a new financing application, the history warehouse list of the client A is checked, the history warehouse list A1 of the client A is confirmed to meet a second preset condition, but the actual payment date in the history warehouse list A2 of the client A exceeds the promised payment date in the history warehouse list A2, so the history warehouse list A2 does not meet a fourth preset sub-condition, and an acceptance mechanism cannot accept the new financing application submitted by the client A. In addition, if the client does not have a history bill in the second preset financial institution, the step of checking the history bill of the client applied for financing is skipped, and the next judgment is carried out on the client.

And the warehouse information of the historical warehouse of the client application financing is checked through the fourth preset sub-condition, so that the client is evaluated according to the historical transaction record of the client, the financial risk of a receiving mechanism is reduced, and the effect of improving the auditing efficiency of auditing the financing application of the client is achieved.

Optionally, in the method for determining client information provided in the first embodiment of the present application, if the bill information of the history bill meets the fourth preset sub-condition, verifying whether the financing amount of the client meets the fifth preset sub-condition includes: calculating financing amount according to the total amount of financing applied in each history list in the history list, the pre-payment amount of financing applied in each history list and the total amount of financing applied in the target list; calculating the value of the total amount of the applied financing in the target warehouse minus the prepaid amount of the applied financing in the target warehouse to obtain a third value; judging whether the third value is smaller than or equal to the financing amount; if the third value is less than or equal to the financing amount, it is determined that the financing amount of the customer meets a fifth preset sub-condition.

In the first embodiment, in order to determine whether the financing amount of the client satisfies the fifth preset sub-condition, calculation is required according to the information of the client in the target warehouse and the history warehouse to obtain the financing amount of the client, and then the client is audited according to the financing amount of the client. When calculating the financing amount of a customer, the total amount of financing applied in each history list of the customer, the pre-paid amount of financing applied in each history list and the total amount of financing applied in the target list need to be obtained from the data lake. After the financing amount of the customer is obtained, the value of the total amount of the financing application in the target warehouse minus the prepaid amount of the financing application in the target warehouse is calculated to obtain a third value. And comparing the third value with the financing amount of the client, and if the third value is smaller than or equal to the financing amount, determining that the financing amount of the client meets a fifth preset sub-condition. The financing amount of the client is calculated by integrating the information in the historical warehouse bill and the target warehouse bill of the client and adopting the preset algorithm, so that the financing amount of the client is accurately estimated, the financial risk is reasonably avoided by an acceptance organization, the financing amount of the client is automatically calculated by using the model, the influence caused by subjective factors when the financing amount of the client is manually estimated is avoided, and the effect of improving the auditing efficiency of the financing application of the auditing client is achieved.

Alternatively, in the first embodiment, the flow of the financing application of the auditing client of the present solution may be as shown in fig. 2. Firstly, acquiring relevant information of a client who submits a financing application from a first preset mechanism, a second preset mechanism and a receiving mechanism, and loading the relevant information of the client into a data lake. And substituting the relevant information of the client into a model for verification, wherein the process of verifying the relevant information of the client by the model in turn is as follows: judging whether the business registration information of the client meets the requirements; judging whether the information of the enterprise legal representative of the client meets the requirement or not; judging whether the credit investigation situation of the client meets the requirements; judging whether the client file of the client meets the requirements; judging whether the client stock loan condition of the client meets the requirement; judging whether the bill prepaid amount of the client meets the requirement; judging whether the client credit limit of the client meets the requirement; judging whether the warehouse bill pick-up date of the customer meets the requirement; judging whether the bill promised payment date of the customer meets the requirement; judging whether the bill payment period of the customer meets the requirement; and finally, calculating the financing amount of the client by combining the target bill and the historical bill information of the financing of the current application, and judging whether the financing amount of the client meets the requirements. If all the relevant information of the client meets the requirements, determining that the financing application of the client passes the audit of the acceptance mechanism (namely, judging the client as being admitted in FIG. 2); if the relevant information of the client does not meet one of the requirements in the model judgment process, determining that the financing application of the client cannot pass the audit of the acceptance organization (namely judging the client as not admitted in fig. 2).

It should be noted that the steps illustrated in the flowcharts of the figures may be performed in a computer system such as a set of computer executable instructions, and that although a logical order is illustrated in the flowcharts, in some cases the steps illustrated or described may be performed in an order other than that illustrated herein.

Example two

The second embodiment of the present application also provides a device for determining client information, and it should be noted that the device for determining client information in the second embodiment of the present application may be used to execute the method for determining client information provided in the first embodiment of the present application. The following describes a device for determining client information provided in the second embodiment of the present application.

Fig. 3 is a schematic diagram of a device for determining client information according to a second embodiment of the present application. As shown in fig. 3, the apparatus includes: an acquisition unit 301, a first verification unit 302, a second verification unit 303, and a determination unit 304.

Specifically, the obtaining unit 301 is configured to obtain a target warehouse of the financing application of the client.

The first verification unit 302 is configured to verify whether the financing information of the client meets a first preset condition, where the first preset condition is used to determine whether the financing information meets a financing application.

And the second checking unit 303 is configured to check whether the background information of the target warehouse list meets a second preset condition if the financing information meets the first preset condition, where the second preset condition is used to determine whether the background information meets the financing application.

And the determining unit 304 is configured to determine that the financing application of the client passes if the background information meets a second preset condition.

In the determining device for client information provided in the second embodiment of the present application, the obtaining unit 301 obtains the target warehouse of the financing application of the client; the first verification unit 302 verifies whether the financing information of the client meets a first preset condition, wherein the first preset condition is used for judging whether the financing information meets a financing application; if the financing information meets the first preset condition, the second checking unit 303 checks whether the background information of the target warehouse list meets the second preset condition, wherein the second preset condition is used for judging whether the background information meets the financing application; if the background information meets the second preset condition, the determining unit 304 determines that the financing application of the client passes, so that the problem that the efficiency of determining the information of the client is low due to long time consumption of the whole investigation process because a plurality of investigation needs to be performed on the financing application of the client by a client manager in the related technology is solved. The relevant data of the client is acquired from the data lake, and the financing application of the client is automatically audited according to the first preset condition and the second preset condition, so that the influence of subjective factors in manual audit is avoided, and the effect of improving the audit efficiency of the financing application of the audited client is achieved.

Optionally, in the determining device for client information provided in the second embodiment of the present application, the first verification unit 302 includes: the first verification subunit is used for verifying whether the enterprise information of the client in the acceptance mechanism meets a first preset sub-condition; the second checking sub-unit is used for checking whether the financing amount of the financing application in the target warehouse list accords with the second preset sub-condition if the enterprise information accords with the first preset sub-condition; the third checking sub-unit is used for checking whether the financing time of the financing application in the target warehouse list accords with a third preset sub-condition if the financing amount accords with the second preset sub-condition; and the first determining subunit is used for determining that the financing information of the client accords with the first preset condition if the financing time accords with the third preset condition.

Optionally, in the determining device for client information provided in the second embodiment of the present application, the first verification subunit includes: the first judging module is used for judging whether the business registration information of the client is a first preset value or not; the second judging module is used for judging whether legal representative information of the client in the first preset financial institution is consistent with legal representative information of the client in the second preset financial institution if the business registration information of the client is a first preset value, wherein the first preset financial institution and the second preset financial institution are different financial institutions; the third judging module is used for judging whether the credit investigation condition of the client at the first preset financial institution has bad records if the legal representative information of the client at the first preset financial institution is consistent with the legal representative information of the client at the second preset financial institution; a fourth judging module, configured to judge whether the client establishes a client file in the acceptance mechanism if the client does not have a bad record in the credit investigation situation of the first preset financial mechanism; and the first determining module is used for determining that the enterprise information of the client in the acceptance mechanism accords with a first preset sub-condition if the client establishes the client file in the acceptance mechanism.

Optionally, in the determining device for client information provided in the second embodiment of the present application, the second checking subunit includes: a fifth judging module, configured to judge whether the inventory loan of the customer in the acceptance mechanism is smaller than a second preset value; the sixth judging module is used for judging whether the pre-payment amount of the financing application in the target warehouse is smaller than or equal to the total amount of the financing application in the target warehouse if the unrendered stock loan is smaller than a second preset value; the first calculation module is used for calculating the total amount of the applied financing in the target bill minus the pre-payment amount of the applied financing in the target bill if the pre-payment amount of the applied financing in the target bill is smaller than or equal to the total amount of the applied financing in the target bill, so as to obtain a first numerical value; the seventh judging module is used for judging whether the credit remaining amount of the client in the acceptance mechanism is larger than or equal to a first numerical value; and the second determining module is used for determining that the financing amount in the target warehouse is in accordance with a second preset sub-condition if the credit remaining amount is greater than or equal to the first numerical value.

Optionally, in the determining device for client information provided in the second embodiment of the present application, the third verification subunit includes: the eighth judging module is used for judging whether the pick-up date in the target warehouse is greater than or equal to the current date; a ninth judging module, configured to judge whether the promised payment date in the target warehouse is greater than the pickup date in the target warehouse if the pickup date is greater than or equal to the current date; the second calculation module is used for calculating the value of subtracting the pick-up date in the target warehouse bill from the promised payment date in the target warehouse bill if the promised payment date is larger than the pick-up date in the target warehouse bill, so as to obtain a second value; a tenth judging module, configured to judge whether the second value is less than or equal to a preset payment period; and the third determining module is used for determining that the financing time in the target warehouse is in accordance with a third preset sub-condition if the second value is smaller than or equal to the preset payment period.

Optionally, in the determining device for client information provided in the second embodiment of the present application, the second checking unit 303 includes: a fourth checking subunit, configured to check whether the warehouse information of the historical warehouse of the client application for financing meets a fourth preset sub-condition; a fifth checking subunit, configured to check whether the financing amount of the client meets a fifth preset sub-condition if the bill information of the history bill meets the fourth preset sub-condition; and the second determining subunit is used for determining that the background information of the target warehouse list meets the second preset condition if the financing amount meets the fifth preset condition.

Optionally, in the determining device for client information provided in the second embodiment of the present application, the fourth verification subunit includes: the eleventh judging module is used for judging whether the prepaid amount of the applied financing in each history list in the history list is smaller than or equal to the total amount of the applied financing in the corresponding history list; the twelfth judging module is used for judging whether the pick-up date of each history bill is smaller than or equal to the promised payment date of the corresponding history bill if the pre-payment amount of the financing application in each history bill in the history bill is smaller than or equal to the total amount of the financing application in the corresponding history bill; a thirteenth judging module, configured to judge whether the committed payment date of each history bill is greater than or equal to the actual payment date of the corresponding history bill if the picking date of each history bill is less than or equal to the committed payment date of the corresponding history bill; and the fourth determining module is used for determining that the bill information of the historical bill for the client to apply for financing accords with a fourth preset sub-condition if the promised payment date of each historical bill is larger than or equal to the actual payment date of the corresponding historical bill.

Optionally, in the determining device for client information provided in the second embodiment of the present application, the fifth verification subunit includes: the third calculation module is used for calculating the financing amount according to the total amount of the financing application in each history list in the history list, the pre-payment amount of the financing application in each history list and the total amount of the financing application in the target list; the fourth calculation module is used for calculating the value of the total amount of the applied financing in the target warehouse list minus the prepaid amount of the applied financing in the target warehouse list to obtain a third value; a fourteenth determination module, configured to determine whether the third value is less than or equal to the financing amount; and the fifth determining module is used for determining that the financing amount of the client accords with a fifth preset sub-condition if the third numerical value is smaller than or equal to the financing amount.

The determining device of the client information includes a processor and a memory, where the acquiring unit 301, the first checking unit 302, the second checking unit 303, the determining unit 304, and the like are stored as program units, and the processor executes the program units stored in the memory to implement corresponding functions.

The processor includes a kernel, and the kernel fetches the corresponding program unit from the memory. The kernel can be provided with one or more than one, and the effect of auditing efficiency of the financing application of the auditing client is improved by adjusting kernel parameters.

The memory may include volatile memory, random Access Memory (RAM), and/or nonvolatile memory, such as Read Only Memory (ROM) or flash memory (flash RAM), among other forms in computer readable media, the memory including at least one memory chip.

A third embodiment of the present invention provides a computer-readable storage medium having stored thereon a program that, when executed by a processor, implements a method of determining customer information.

The fourth embodiment of the invention provides a processor, which is used for running a program, wherein the program runs to execute a method for determining client information.

As shown in fig. 4, a fifth embodiment of the present invention provides an electronic device, where the device includes a processor, a memory, and a program stored in the memory and executable on the processor, and the processor implements the following steps when executing the program: acquiring a target warehouse of a financing application of a client; checking whether the financing information of the client accords with a first preset condition, wherein the first preset condition is used for judging whether the financing information meets the financing application; if the financing information accords with the first preset condition, checking whether the background information of the target warehouse is in accordance with the second preset condition, wherein the second preset condition is used for judging whether the background information meets the financing application; and if the background information accords with the second preset condition, determining that the financing application of the client passes.

The processor also realizes the following steps when executing the program: the financing information includes at least: the client applies for the financing amount of financing in the enterprise information of the acceptance mechanism, the target warehouse and the financing time of financing in the target warehouse, and the first preset condition at least comprises: the checking whether the financing information of the customer meets the first preset condition comprises the following steps of: checking whether enterprise information of a customer in an acceptance mechanism accords with a first preset sub-condition or not; if the enterprise information accords with the first preset sub-condition, checking whether the financing amount of the financing application in the target warehouse is in accordance with the second preset sub-condition; if the financing amount accords with the second preset sub-condition, checking whether the financing time of the financing application in the target warehouse accords with the third preset sub-condition or not; if the financing time accords with the third preset sub-condition, determining that the financing information of the client accords with the first preset condition.

The processor also realizes the following steps when executing the program: verifying whether the enterprise information of the customer at the acceptance mechanism meets the first preset sub-condition comprises: judging whether the business registration information of the client is a first preset value or not; if the business registration information of the client is a first preset value, judging whether legal representative information of the client in a first preset financial institution is consistent with legal representative information of the client in a second preset financial institution, wherein the first preset financial institution and the second preset financial institution are different financial institutions; if the legal representative information of the client at the first preset financial institution is consistent with the legal representative information of the client at the second preset financial institution, judging whether the credit investigation condition of the client at the first preset financial institution has bad records; if the credit investigation condition of the customer at the first preset financial institution does not have bad records, judging whether the customer establishes a customer file at the acceptance institution; if the client establishes a client file in the acceptance mechanism, the enterprise information of the client in the acceptance mechanism is determined to accord with the first preset sub-condition.

The processor also realizes the following steps when executing the program: if the enterprise information meets the first preset sub-condition, checking whether the financing amount of the financing application in the target warehouse bill meets the second preset sub-condition comprises: judging whether the unremoved stock loan of the customer in the acceptance mechanism is smaller than a second preset value or not; if the unremoved stock loan is smaller than the second preset value, judging whether the pre-payment amount of the applied financing in the target warehouse is smaller than or equal to the total amount of the applied financing in the target warehouse; if the prepaid amount of the applied financing in the target warehouse is smaller than or equal to the total amount of the applied financing in the target warehouse, calculating the total amount of the applied financing in the target warehouse minus the prepaid amount of the applied financing in the target warehouse to obtain a first numerical value; judging whether the credit remaining amount of the client in the acceptance mechanism is larger than or equal to a first numerical value; if the credit remaining amount is greater than or equal to the first value, determining that the financing amount in the target warehouse is in accordance with a second preset sub-condition.

The processor also realizes the following steps when executing the program: if the financing amount meets the second preset sub-condition, checking whether the financing time of the financing application in the target warehouse is in accordance with the third preset sub-condition comprises: judging whether the pick-up date in the target warehouse is greater than or equal to the current date; if the pick-up date is greater than or equal to the current date, judging whether the promised payment date in the target warehouse is greater than the pick-up date in the target warehouse; if the promised payment date is larger than the picking date in the target warehouse bill, calculating the promised payment date in the target warehouse bill minus the value of the picking date in the target warehouse bill to obtain a second value; judging whether the second value is smaller than or equal to a preset payment period; if the second value is less than or equal to the preset payment period, determining that the financing time in the target warehouse is in accordance with a third preset sub-condition.

The processor also realizes the following steps when executing the program: the background information at least comprises: the client applies for the bill information of the historical bill of financing and the financing amount of the client, and the second preset condition at least comprises: the fourth preset sub-condition and the fifth preset sub-condition, if the financing information accords with the first preset condition, checking whether the background information of the target warehouse list accords with the second preset condition comprises the following steps: checking whether the warehouse information of the historical warehouse of the client application financing accords with a fourth preset sub-condition; if the warehouse information of the history warehouse accords with the fourth preset sub-condition, checking whether the financing amount of the client accords with the fifth preset sub-condition; if the financing amount accords with the fifth preset sub-condition, determining that the background information of the target warehouse accords with the second preset condition.

The processor also realizes the following steps when executing the program: checking whether the warehouse information of the historical warehouse of the client application financing accords with the fourth preset sub-condition comprises: judging whether the prepaid amount of the applied financing in each history list in the history list is smaller than or equal to the total amount of the applied financing in the corresponding history list; if the pre-payment amount of the financing application in each history bill in the history bill is smaller than or equal to the total amount of the financing application in the corresponding history bill, judging whether the pick-up date of each history bill is smaller than or equal to the promised payment date of the corresponding history bill; if the picking date of each history warehouse is smaller than or equal to the promised payment date of the corresponding history warehouse, judging whether the promised payment date of each history warehouse is larger than or equal to the actual payment date of the corresponding history warehouse; if the promised payment date of each history bill is larger than or equal to the actual payment date of the corresponding history bill, the bill information of the history bill of the client applied for financing is determined to accord with a fourth preset sub-condition.

The processor also realizes the following steps when executing the program: if the bill information of the history bill meets the fourth preset sub-condition, checking whether the financing amount of the client meets the fifth preset sub-condition comprises: calculating financing amount according to the total amount of financing applied in each history list in the history list, the pre-payment amount of financing applied in each history list and the total amount of financing applied in the target list; calculating the value of the total amount of the applied financing in the target warehouse minus the prepaid amount of the applied financing in the target warehouse to obtain a third value; judging whether the third value is smaller than or equal to the financing amount; if the third value is less than or equal to the financing amount, it is determined that the financing amount of the customer meets a fifth preset sub-condition.

The device herein may be a server, PC, PAD, cell phone, etc.

The present application also provides a computer program product adapted to perform, when executed on a data processing device, a program initialized with the method steps of: acquiring a target warehouse of a financing application of a client; checking whether the financing information of the client accords with a first preset condition, wherein the first preset condition is used for judging whether the financing information meets the financing application; if the financing information accords with the first preset condition, checking whether the background information of the target warehouse is in accordance with the second preset condition, wherein the second preset condition is used for judging whether the background information meets the financing application; and if the background information accords with the second preset condition, determining that the financing application of the client passes.

When executed on a data processing device, is further adapted to carry out a program initialized with the method steps of: the financing information includes at least: the client applies for the financing amount of financing in the enterprise information of the acceptance mechanism, the target warehouse and the financing time of financing in the target warehouse, and the first preset condition at least comprises: the checking whether the financing information of the customer meets the first preset condition comprises the following steps of: checking whether enterprise information of a customer in an acceptance mechanism accords with a first preset sub-condition or not; if the enterprise information accords with the first preset sub-condition, checking whether the financing amount of the financing application in the target warehouse is in accordance with the second preset sub-condition; if the financing amount accords with the second preset sub-condition, checking whether the financing time of the financing application in the target warehouse accords with the third preset sub-condition or not; if the financing time accords with the third preset sub-condition, determining that the financing information of the client accords with the first preset condition.

When executed on a data processing device, is further adapted to carry out a program initialized with the method steps of: verifying whether the enterprise information of the customer at the acceptance mechanism meets the first preset sub-condition comprises: judging whether the business registration information of the client is a first preset value or not; if the business registration information of the client is a first preset value, judging whether legal representative information of the client in a first preset financial institution is consistent with legal representative information of the client in a second preset financial institution, wherein the first preset financial institution and the second preset financial institution are different financial institutions; if the legal representative information of the client at the first preset financial institution is consistent with the legal representative information of the client at the second preset financial institution, judging whether the credit investigation condition of the client at the first preset financial institution has bad records; if the credit investigation condition of the customer at the first preset financial institution does not have bad records, judging whether the customer establishes a customer file at the acceptance institution; if the client establishes a client file in the acceptance mechanism, the enterprise information of the client in the acceptance mechanism is determined to accord with the first preset sub-condition.

When executed on a data processing device, is further adapted to carry out a program initialized with the method steps of: if the enterprise information meets the first preset sub-condition, checking whether the financing amount of the financing application in the target warehouse bill meets the second preset sub-condition comprises: judging whether the unremoved stock loan of the customer in the acceptance mechanism is smaller than a second preset value or not; if the unremoved stock loan is smaller than the second preset value, judging whether the pre-payment amount of the applied financing in the target warehouse is smaller than or equal to the total amount of the applied financing in the target warehouse; if the prepaid amount of the applied financing in the target warehouse is smaller than or equal to the total amount of the applied financing in the target warehouse, calculating the total amount of the applied financing in the target warehouse minus the prepaid amount of the applied financing in the target warehouse to obtain a first numerical value; judging whether the credit remaining amount of the client in the acceptance mechanism is larger than or equal to a first numerical value; if the credit remaining amount is greater than or equal to the first value, determining that the financing amount in the target warehouse is in accordance with a second preset sub-condition.

When executed on a data processing device, is further adapted to carry out a program initialized with the method steps of: if the financing amount meets the second preset sub-condition, checking whether the financing time of the financing application in the target warehouse is in accordance with the third preset sub-condition comprises: judging whether the pick-up date in the target warehouse is greater than or equal to the current date; if the pick-up date is greater than or equal to the current date, judging whether the promised payment date in the target warehouse is greater than the pick-up date in the target warehouse; if the promised payment date is larger than the picking date in the target warehouse bill, calculating the promised payment date in the target warehouse bill minus the value of the picking date in the target warehouse bill to obtain a second value; judging whether the second value is smaller than or equal to a preset payment period; if the second value is less than or equal to the preset payment period, determining that the financing time in the target warehouse is in accordance with a third preset sub-condition.

When executed on a data processing device, is further adapted to carry out a program initialized with the method steps of: the background information at least comprises: the client applies for the bill information of the historical bill of financing and the financing amount of the client, and the second preset condition at least comprises: the fourth preset sub-condition and the fifth preset sub-condition, if the financing information accords with the first preset condition, checking whether the background information of the target warehouse list accords with the second preset condition comprises the following steps: checking whether the warehouse information of the historical warehouse of the client application financing accords with a fourth preset sub-condition; if the warehouse information of the history warehouse accords with the fourth preset sub-condition, checking whether the financing amount of the client accords with the fifth preset sub-condition; if the financing amount accords with the fifth preset sub-condition, determining that the background information of the target warehouse accords with the second preset condition.

When executed on a data processing device, is further adapted to carry out a program initialized with the method steps of: checking whether the warehouse information of the historical warehouse of the client application financing accords with the fourth preset sub-condition comprises: judging whether the prepaid amount of the applied financing in each history list in the history list is smaller than or equal to the total amount of the applied financing in the corresponding history list; if the pre-payment amount of the financing application in each history bill in the history bill is smaller than or equal to the total amount of the financing application in the corresponding history bill, judging whether the pick-up date of each history bill is smaller than or equal to the promised payment date of the corresponding history bill; if the picking date of each history warehouse is smaller than or equal to the promised payment date of the corresponding history warehouse, judging whether the promised payment date of each history warehouse is larger than or equal to the actual payment date of the corresponding history warehouse; if the promised payment date of each history bill is larger than or equal to the actual payment date of the corresponding history bill, the bill information of the history bill of the client applied for financing is determined to accord with a fourth preset sub-condition.

When executed on a data processing device, is further adapted to carry out a program initialized with the method steps of: if the bill information of the history bill meets the fourth preset sub-condition, checking whether the financing amount of the client meets the fifth preset sub-condition comprises: calculating financing amount according to the total amount of financing applied in each history list in the history list, the pre-payment amount of financing applied in each history list and the total amount of financing applied in the target list; calculating the value of the total amount of the applied financing in the target warehouse minus the prepaid amount of the applied financing in the target warehouse to obtain a third value; judging whether the third value is smaller than or equal to the financing amount; if the third value is less than or equal to the financing amount, it is determined that the financing amount of the customer meets a fifth preset sub-condition.

It will be appreciated by those skilled in the art that embodiments of the present application may be provided as a method, system, or computer program product. Accordingly, the present application may take the form of an entirely hardware embodiment, an entirely software embodiment, or an embodiment combining software and hardware aspects. Furthermore, the present application may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.

The present application is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems) and computer program products according to embodiments of the application. It will be understood that each flow and/or block of the flowchart illustrations and/or block diagrams, and combinations of flows and/or blocks in the flowchart illustrations and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

In one typical configuration, a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.

The memory may include volatile memory in a computer-readable medium, random Access Memory (RAM) and/or nonvolatile memory, etc., such as Read Only Memory (ROM) or flash RAM. Memory is an example of a computer-readable medium.

Computer readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of storage media for a computer include, but are not limited to, phase change memory (PRAM), static Random Access Memory (SRAM), dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), read Only Memory (ROM), electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic tape disk storage or other magnetic storage devices, or any other non-transmission medium, which can be used to store information that can be accessed by a computing device. Computer-readable media, as defined herein, does not include transitory computer-readable media (transmission media), such as modulated data signals and carrier waves.

It should also be noted that the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising one … …" does not exclude the presence of other like elements in a process, method, article or apparatus that comprises an element.

It will be appreciated by those skilled in the art that embodiments of the present application may be provided as a method, system, or computer program product. Accordingly, the present application may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present application may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.

The foregoing is merely exemplary of the present application and is not intended to limit the present application. Various modifications and changes may be made to the present application by those skilled in the art. Any modifications, equivalent substitutions, improvements, etc. which are within the spirit and principles of the present application are intended to be included within the scope of the claims of the present application.

Claims (10)

1. A method for determining customer information, comprising:

acquiring a target warehouse of a financing application of a client;

checking whether the financing information of the client accords with a first preset condition, wherein the first preset condition is used for judging whether the financing information meets a financing application;

if the financing information accords with the first preset condition, checking whether the background information of the target warehouse is in accordance with a second preset condition, wherein the second preset condition is used for judging whether the background information meets the financing application;

and if the background information accords with the second preset condition, determining that the financing application of the client passes.

2. The method of claim 1, wherein the financing information comprises at least: the client applies for the financing amount of financing in the acceptance mechanism, the target warehouse and the financing time of financing in the target warehouse, and the first preset condition at least comprises: the checking whether the financing information of the client meets the first preset condition comprises the following steps of:

checking whether enterprise information of the client in an acceptance mechanism accords with the first preset sub-condition;

If the enterprise information accords with the first preset sub-condition, checking whether the financing amount of the financing application in the target warehouse bill accords with the second preset sub-condition;

if the financing amount accords with the second preset sub-condition, checking whether the financing time of applying for financing in the target warehouse is in accordance with the third preset sub-condition or not;

and if the financing time accords with the third preset sub-condition, determining that the financing information of the client accords with the first preset condition.

3. The method of claim 2, wherein verifying whether the customer's business information at the receiving organization meets the first preset sub-condition comprises:

judging whether the business registration information of the client is a first preset value or not;

if the business registration information of the client is a first preset value, judging whether legal representative information of the client in a first preset financial institution is consistent with legal representative information of the client in a second preset financial institution, wherein the first preset financial institution and the second preset financial institution are different financial institutions;

if the legal representative information of the client at the first preset financial institution is consistent with the legal representative information of the client at the second preset financial institution, judging whether a bad record exists in the credit investigation condition of the client at the first preset financial institution;

If the client has no bad record in the credit investigation condition of the first preset financial institution, judging whether the client establishes a client file in the acceptance institution;

and if the client establishes a client file in the acceptance mechanism, determining that the enterprise information of the client in the acceptance mechanism meets the first preset sub-condition.

4. The method of claim 2, wherein if the business information meets the first preset sub-condition, verifying whether the financing amount for financing in the target inventory meets the second preset sub-condition comprises:

judging whether the unremoved stock loan of the client in the acceptance mechanism is smaller than a second preset value or not;

if the outstanding stock loan is smaller than the second preset value, judging whether the pre-payment amount of the financing application in the target warehouse is smaller than or equal to the total amount of the financing application in the target warehouse;

if the prepaid amount of the applied financing in the target warehouse is smaller than or equal to the total amount of the applied financing in the target warehouse, calculating the total amount of the applied financing in the target warehouse minus the prepaid amount of the applied financing in the target warehouse to obtain a first numerical value;

Judging whether the credit remaining amount of the client in the acceptance mechanism is larger than or equal to the first numerical value;

and if the credit remaining amount is greater than or equal to the first value, determining that the financing amount in the target warehouse bill meets the second preset sub-condition.

5. The method of claim 2, wherein if the financing amount meets the second preset sub-condition, verifying whether the financing time for the application for financing in the target inventory meets the third preset sub-condition comprises:

judging whether the pick-up date in the target warehouse is greater than or equal to the current date;

if the pick-up date is greater than or equal to the current date, judging whether the promised payment date in the target warehouse is greater than the pick-up date in the target warehouse;

if the promised payment date is larger than the picking date in the target warehouse bill, calculating the numerical value of the promised payment date in the target warehouse bill minus the picking date in the target warehouse bill to obtain a second numerical value;

judging whether the second value is smaller than or equal to a preset payment period;

and if the second value is smaller than or equal to the preset payment period, determining that the financing time in the target warehouse bill meets the third preset sub-condition.

6. The method according to claim 1, wherein the context information comprises at least: the client applies for the bill information of the historical bill of financing and the financing amount of the client, and the second preset condition at least comprises: the fourth preset sub-condition and the fifth preset sub-condition, if the financing information accords with the first preset condition, checking whether the background information of the target warehouse is in accordance with the second preset condition comprises:

checking whether the warehouse information of the historical warehouse of the client application financing accords with the fourth preset sub-condition;

if the bill information of the history bill meets the fourth preset sub-condition, checking whether the financing amount of the client meets the fifth preset sub-condition;

and if the financing amount accords with the fifth preset sub-condition, determining that the background information of the target warehouse is in accordance with the second preset condition.

7. The method of claim 6, wherein verifying whether the bill information of the client's application for financing history bill meets the fourth preset sub-condition comprises:

judging whether the prepaid amount of the applied financing in each history list in the history list is smaller than or equal to the total amount of the applied financing in the corresponding history list;

If the pre-payment amount of the financing application in each history bill in the history bill is smaller than or equal to the total amount of the financing application in the corresponding history bill, judging whether the pick-up date of each history bill is smaller than or equal to the promised payment date of the corresponding history bill;

if the picking date of each history warehouse is smaller than or equal to the promised payment date of the corresponding history warehouse, judging whether the promised payment date of each history warehouse is larger than or equal to the actual payment date of the corresponding history warehouse;

and if the promised payment date of each history bill is greater than or equal to the actual payment date of the corresponding history bill, determining that the bill information of the history bill of the client applied for financing accords with the fourth preset sub-condition.

8. The method of claim 6, wherein if the bill information of the history bill meets the fourth preset sub-condition, verifying whether the financing amount of the customer meets the fifth preset sub-condition comprises:

calculating the financing amount according to the total amount of the financing application in each history list in the history list, the pre-payment amount of the financing application in each history list and the total amount of the financing application in the target list;

Calculating the value of the total amount of the applied financing in the target warehouse minus the pre-payment amount of the applied financing in the target warehouse to obtain a third value;

judging whether the third value is less than or equal to the financing amount;

and if the third value is smaller than or equal to the financing amount, determining that the financing amount of the client meets the fifth preset sub-condition.

9. A client information determining apparatus, comprising:

the acquisition unit is used for acquiring a target warehouse bill of the financing application of the client;

the first verification unit is used for verifying whether the financing information of the client accords with a first preset condition, wherein the first preset condition is used for judging whether the financing information meets a financing application;

the second verification unit is used for verifying whether the background information of the target warehouse list accords with a second preset condition if the financing information accords with the first preset condition, wherein the second preset condition is used for judging whether the background information meets the financing application;

and the determining unit is used for determining that the financing application of the client passes if the background information accords with the second preset condition.

10. An electronic device comprising one or more processors and a memory for storing one or more programs, wherein the one or more programs, when executed by the one or more processors, cause the one or more processors to implement the method of determining customer information of any of claims 1-8.

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