Loan application method and device, server and computer storage medium

A computer storage and loan technology, applied in the field of Internet finance, can solve the problems of inability to realize deep integration of loan business and insurance business, and inability to realize information sharing, etc.

Pending Publication Date: 2020-04-07
SIMPLECREDIT MICRO LENDING CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0002] With the development of Internet finance, users can sign insurance policies with insurance institutions, and users can submit loan applications to the loan platform through web pages or client-side operations, without the need to go to physical stores, which improves the business processing speed; but the current loan platform The interaction between the three parties, the insurance institution and the user is usually performed in their respective network systems. For example, the user first signs an insurance policy with the insurance institution, then the user borrows from the loan platform, and then pays the premium with the loaned money from the loan platform. More comprehensive information sharing, unable to achieve deep integration of loan business and insurance business

Method used

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  • Loan application method and device, server and computer storage medium
  • Loan application method and device, server and computer storage medium
  • Loan application method and device, server and computer storage medium

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Embodiment Construction

[0029] The following will clearly and completely describe the technical solutions in the embodiments of the present invention with reference to the accompanying drawings in the embodiments of the present invention. Obviously, the described embodiments are only some, not all, embodiments of the present invention. Based on the embodiments of the present invention, all other embodiments obtained by persons of ordinary skill in the art without making creative efforts belong to the protection scope of the present invention.

[0030] refer to figure 1 , which provides a schematic structural diagram of an agricultural financial management system for an embodiment of the present invention, such as figure 1 As shown in the schematic diagram of the structure of the agricultural financial management system, the agricultural financial management system includes a loan platform 101, an insurance institution 102 and a terminal 103. The loan platform 101 is built by a loan platform server to...

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Abstract

The embodiment of the invention provides a loan application method and device and a server. The method comprises the steps:: obtaining a loan application submitted by a user, and the loan applicationcomprises the identity information of the user and the application information that the user applies to an insurance institution for purchasing insurance; checking the loan application according to the identity information of the user, and sending confirmation information of the loan application to the insurance institution; receiving a confirmation result of the insurance institution for the loanapplication; and determining the loan amount according to the identity information of the user and/or the application information if the auditing is passed and the confirmation result is that the confirmation is passed. According to the invention, the loan can be automatically used for paying the insurance premium, and deep integration of the loan service and the insurance service is realized.

Description

technical field [0001] The present invention relates to the technical field of internet finance, in particular to a loan application method, device, server and computer storage medium. Background technique [0002] With the development of Internet finance, users can sign insurance policies with insurance institutions, and users can submit loan applications to the loan platform through web pages or client-side operations, without the need to go to physical stores, which improves the business processing speed; but the current loan platform The interaction between the three parties, the insurance institution and the user is usually performed in their respective network systems. For example, the user first signs an insurance policy with the insurance institution, then the user borrows from the loan platform, and then pays the premium with the loaned money from the loan platform. More comprehensive information sharing cannot realize the deep integration of loan business and insur...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02G06Q40/08
CPCG06Q40/08G06Q40/03
Inventor 何洪波周燕
Owner SIMPLECREDIT MICRO LENDING CO LTD
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