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Loan data processing method and device, computer equipment and storage medium

A data processing and loan technology, applied in the computer field, can solve problems such as cumbersome operations and low loan application efficiency.

Active Publication Date: 2018-08-10
PINGAN PUHUI ENTERPRISE MANAGEMENT CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

However, the traditional online loan platform based on the third-party guarantee model only supports a single guarantee function. In other words, an online loan platform can only be guaranteed by the sole guarantor, so the guarantee responsibility of all borrowers is concentrated on the sole guarantor.
If the borrower wants to make a loan based on multiple guarantors, he needs to enter the loan application data separately on multiple online loan platforms, which is cumbersome and reduces the efficiency of loan application

Method used

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  • Loan data processing method and device, computer equipment and storage medium
  • Loan data processing method and device, computer equipment and storage medium
  • Loan data processing method and device, computer equipment and storage medium

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Embodiment Construction

[0023] In order to make the purpose, technical solution and advantages of the present application clearer, the present application will be further described in detail below in conjunction with the accompanying drawings and embodiments. It should be understood that the specific embodiments described here are only used to explain the present application, and are not intended to limit the present application.

[0024] The loan data processing method provided in this application can be applied to such as figure 1shown in the application environment. Wherein, the user terminal 102 communicates with the platform server 104 through the network; the platform server 104 communicates with the target server 106 through the network. The platform server 104 includes an origin server (hereinafter referred to as “first server”) 1042 and a second server 1044 . Wherein, the user terminal 102 may be, but not limited to, various personal computers, notebook computers, smart phones, tablet comp...

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Abstract

The invention relates to a loan data processing method and device, computer equipment and a storage medium. The method comprises the following steps that: according to preset time frequency, extracting loan application data from a source server; sending the loan application data to a source server via a plurality of user terminals, wherein the loan application data comprises one or a plurality ofloan identifications; obtaining a message queue corresponding to the loan identifications in the loan application data, wherein the message queue comprises a plurality of guarantee identifications; traversing the obtained message queue, and screening the guarantee identification corresponding to the loan application data according to a preset rule; independently sending multiple groups of loan application data to a target server corresponding to the guarantee identification; and when a guarantee result returned from the target server is received, returning the loan result to the correspondingsource server, and returning the guarantee result to the user terminals by the source server. By use of the method, loan application efficiency can be improved.

Description

technical field [0001] The present application relates to the field of computer technology, in particular to a loan data processing method, device, computer equipment and storage medium. Background technique [0002] With the development of Internet finance, P2P online lending (hereinafter referred to as "online loan") has become more and more well-known by virtue of its attributes such as convenient procedures and information transparency. The main mode of online lending is that both the borrower and the investor freely bid on the online lending platform to match deals. Investors obtain interest income and bear risks, borrowers repay the principal at maturity, and credit companies that provide online loan platforms charge intermediary service fees. The guarantee models of online lending platforms include unsecured models and guaranteed models, among which the guaranteed models include the platform's own guarantee and third-party guarantee. Third-party guarantee means that...

Claims

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Application Information

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IPC IPC(8): G06Q40/02G06F9/50
CPCG06F9/5027G06Q40/03
Inventor 花海勇仲楠
Owner PINGAN PUHUI ENTERPRISE MANAGEMENT CO LTD
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