RPA technology-based credit service approval method, apparatus and device, and storage medium

Abstract

The invention discloses a credit business approval method, device and equipment based on an RPA technology, and a storage medium, and relates to the field of office automation. In response to the received business application, calling a service platform required for examining and approving the credit business, and obtaining credit data information; calling an applet of the instant messaging software, obtaining to-be-approved verification data initiated by the applicant, initiating a payment process of the instant payment software according to the approval verification data, and determining credit granting standard information of the applicant; and generating an approval record table based on the to-be-approved verification data and the credit granting standard information, verifying and identifying the approval record table, determining the application qualification of the applicant, and uploading the application qualification to an approval system. According to the scheme, the RPA technology is adopted to realize automatic scheduling of internal and external processes of the PC terminal and the mobile terminal, so that the information verification cost can be effectively reduced, the workload of an approval post is liberated, and the approval efficiency is improved.

Description

Technical Field

[0001] The embodiments of the present application relate to the field of office automation, and in particular to a credit business approval method, device, equipment and storage medium based on RPA technology. Background Art

[0002] With the online and digital transformation of credit cards and related credit businesses, the proportion of online applications is increasing, and the time requirements for application and approval are becoming higher and higher. While banks are improving the efficiency of credit from application to approval and issuance, they must also ensure that risk control requirements are not lowered. This has brought huge challenges to bank credit card and related credit practitioners.

[0003] There are links in the credit card and loan approval process that have clear rules and require manual review. For example, the specific application information of credit card applicants requires the review personnel to spend a lot of effort to manually verify the authenticity of the information. The review personnel need to download the applicant's pre-filled contact and contact information from the PC side of various credit card application platforms, manually check and verify the authenticity of the information through the mobile phone side, and take screenshots of the query results for archiving and upload them to the approval system as a basis for review.

[0004] Due to the different progress of bank information system construction, if the internal and external systems of the bank are not connected, there will be purely manual processing links in the business process, which is inefficient, and the customer's business application information will need to be manually downloaded to the external network for verification, which will pose information security risks. Summary of the invention

[0005] The embodiments of the present application provide a credit business approval method, device, equipment and storage medium based on RPA technology to solve the problems of low efficiency and information security risks in manual processing of credit business approval process.

[0006] On the one hand, the present application provides a credit business approval method based on RPA technology, the method comprising:

[0007] In response to receiving the business application, calling the service platform required for approving the credit business to obtain credit data information;

[0008] Retrieve the applet of the instant messaging software, obtain the pending verification data initiated by the applicant, and initiate the payment process of the instant payment software according to the approval verification data to determine the credit standard information of the applicant;

[0009] An approval record table is generated based on the verification data to be approved and the credit standard information, and the approval record table is verified and identified to determine the applicant's application qualifications and upload to the approval system.

[0010] Specifically, the calling of the service platform required for approving the credit business to obtain credit data information includes:

[0011] Based on the applicant's information, the credit approval system and large-amount installment system are accessed to obtain the applicant's credit and large-amount installment data information.

[0012] Specifically, the applicant sends the business application and the verification data to be approved through the instant messaging software applet; the verification data to be approved includes the applicant's information, the applicant's contact information, the information and contact information of relatives, and identity identification information;

[0013] After obtaining credit data information, deploy RPA robots on the mobile terminal to automatically call the mini-program of the instant messaging software to obtain the pending verification data initiated by the applicant;

[0014] After obtaining the pending verification data initiated by the applicant, the queried data is renamed according to the type, saved as the first image file, and stored locally.

[0015] Specifically, the payment process of the instant payment software is initiated according to the approval verification data, including:

[0016] Deploy an RPA robot on the PC side, and automatically log in to the instant payment software to initiate the transfer process based on the applicant information, relative information, and contact information included in the pending verification data;

[0017] After the transfer page pops up on the web page, a screenshot of the displayed transfer page is saved as a second image file and stored locally; the transfer page displays the credit standard information of the applicant or relative information, which is used to verify the consistency of the approval verification data.

[0018] Specifically, after renaming the queried data according to the type and saving them as the first picture file, the method further includes:

[0019] After renaming the first saved image through the mobile terminal, identifying and obtaining the contact information, identity identification information and contact information in the original webpage;

[0020] The bank verifies the applicant's identity information and contact information, and matches the applicant's credit report and large installment data to determine credit eligibility;

[0021] When the credit qualifications are met, the payment process of the instant payment software is initiated using the PC terminal based on the identity information and contact information extracted from the first image file.

[0022] Specifically, after the displayed transfer page screenshot is saved as a second image file, the method further includes:

[0023] Identify the element information in the second image file, determine that it contains contact information, and match the contact information with the information in the verification data to be approved to determine the accuracy of the identity information.

[0024] Specifically, the verification and identification of the approval record table, determining the applicant's application qualifications and uploading to the approval system includes:

[0025] Verify the data content and time information of the approval record form to determine the applicant's application qualifications;

[0026] Add a watermark to the saved image file according to the timestamp and applicant information, and upload it to the approval system together with the approval record form;

[0027] Start the email copy service and send the uploaded approval service to the approvers.

[0028] On the other hand, the present application provides a credit business approval device based on RPA technology, the device comprising:

[0029] An acquisition module, for invoking a service platform required for approving a credit business and acquiring credit data information in response to receiving a business application;

[0030] The first confirmation module is used to call the applet of the instant messaging software, obtain the pending verification data initiated by the applicant, and initiate the payment process of the instant payment software according to the approval verification data to determine the credit standard information of the applicant;

[0031] The second confirmation module is used to generate an approval record table based on the verification data to be approved and the credit standard information, verify and identify the approval record table, determine the applicant's application qualifications and upload it to the approval system.

[0032] On the other hand, the present application provides a computer device, comprising a processor and a memory, wherein the memory stores at least one instruction, at least one program, a code set or an instruction set, and the at least one instruction, the at least one program, the code set or the instruction set is loaded and executed by the processor to implement the credit business approval method based on RPA technology described in the above aspects.

[0033] On the other hand, the present application provides a computer-readable storage medium, which stores at least one instruction, at least one program, a code set or an instruction set. The at least one instruction, the at least one program, the code set or the instruction set is loaded and executed by a processor to implement the credit business approval method based on RPA technology described in the above aspects.

[0034] The beneficial effects brought about by the technical solution provided by the embodiment of the present application include at least the following: the business application initiated by the applicant is not directly linked to the internal data system, but is received through the instant messaging software applet, and the pending approval verification data therein is extracted to isolate the internal and external networks; during the verification stage, the saved pending approval verification data is used to initiate the payment process to quickly verify the authenticity information, avoiding interaction with internal data. After the verification is passed, the approval record table is generated using the service platform required for approving the credit business, and finally uploaded to the approval system for credit business issuance. The entire process uses RPA technology to realize the automated scheduling of internal and external processes on the PC and mobile terminals, which can effectively reduce the cost of information verification, while freeing up the workload of the approval post and improving the approval efficiency. BRIEF DESCRIPTION OF THE DRAWINGS

[0035] Figure 1 It is a flow chart of the credit business approval method based on RPA technology provided in an embodiment of the present application;

[0036] Figure 2 It is a flowchart for credit business approval;

[0037] Figure 3 A schematic diagram showing a second picture file obtained by initiating a transfer via a contact phone number;

[0038] Figure 4 The structural block diagram of the credit business approval device based on RPA technology is shown;

[0039] Figure 5 A structural block diagram of a computer device provided by an exemplary embodiment of the present application is shown. DETAILED DESCRIPTION

[0040] In order to make the objectives, technical solutions and advantages of the present application clearer, the implementation methods of the present application will be further described in detail below with reference to the accompanying drawings.

[0041] The term "multiple" as used herein refers to two or more than two. "And / or" describes the relationship between related objects, indicating that three relationships can exist. For example, A and / or B can mean: A exists alone, A and B exist at the same time, and B exists alone. The character " / " generally indicates that the related objects are in an "or" relationship.

[0042] Figure 1 : is a flowchart of a credit business approval method based on RPA technology provided in an embodiment of the present application, including the following steps:

[0043] S1. In response to receiving a business application, calling a service platform required for approving the credit business to obtain credit data information;

[0044] The business application referred to in this application refers to the credit application submitted by the applicant to the bank, specifically a credit card application or a small or large loan application. The service platform required for approving credit business refers to the database system used by the bank system to check and review the applicant's assets, credit and internal bank data, and to retrieve credit data information in the database in advance through system control to prepare for subsequent work.

[0045] S2. Calling up the applet of the instant messaging software to obtain the pending verification data initiated by the applicant, and initiating the payment process of the instant payment software based on the approval verification data to determine the credit standard information of the applicant;

[0046] This step uses the mobile devices and PC devices used by the bank's account manager or operator. The specific applicant uses an electronic device to initiate a credit business request to the bank. The mobile device on the account manager's side will receive it through the corresponding instant messaging software. What needs to be emphasized in this step is that this operation is not a direct access by the user to the bank, but a receiving system exclusively used within the bank. This system can be replaced by daily communication software, such as WeChat to create a credit application applet. This applet is only linked to the business operating system and is not critical to the bank's internal database. This can completely isolate the intranet and the extranet to ensure data security.

[0047] After the mini program is enabled and the link is called, the relevant verification data to be approved filled in by others can be queried from the mini program connection, such as the applicant's name, applicant's phone number, ID number, applicant's relevant bank card account number, relative's name, and relative's contact information, etc. This information is the necessary process and data for the worry-free credit business. For offline business, the salesperson and the applicant need to operate the electronic device face to face to enter and verify each item.

[0048] In the improved technical solution, the RPA automated operation is completed, and the data to be approved and verified is automatically extracted and saved from the link, and relevant verification is performed. After verification, the payment process of the instant payment software can be initiated according to the approval verification data to determine the credit standard information of the applicant. The reason why the payment process of the payment software is initiated here is actually a safety measure to verify the approval verification data. Assuming that it is an offline manual operation, it is necessary to record it first and then verify it, that is, log in to the bank's internal system to verify the contact information, bank card information, personal credit, and assets and loan content. In particular, if the information provided is incorrect or the credit information is concealed, it can be found in this step, that is, the credit standard information of the applicant can be determined, that is, whether it meets the credit standard or does not meet the credit standard. Performing transfer operation verification is the simplest, fastest and most effective solution. This step is completed through RPA automated operation, and no manual input verification is required. The transfer record process will trigger the information verification mechanism of the instant payment software, and the relevant personnel information, telephone information or bank card account information, etc. will be displayed on the transfer interface, which is equivalent to verifying the personnel information.

[0049] S3. Generate an approval record form based on the verification data to be approved and the credit standard information, verify and identify the approval record form, determine the applicant's application qualifications and upload it to the approval system.

[0050] If the data to be approved in the current step is successfully verified and meets the requirements, then the template can be created in combination with the credit data information extracted from the approval credit business, and the approval record table can be generated in combination with the credit data information. After the approval record table is created, it can be uploaded to the bank's internal approval and issuance process to complete this application business.

[0051] In summary, the business application initiated by the applicant is not directly linked to the internal data system, but is received through the instant messaging software applet, and the pending approval verification data is extracted to isolate the internal and external networks; in the verification stage, the saved pending approval verification data is used to initiate the payment process to quickly verify the authenticity information, avoiding interaction with internal data. After the verification is passed, the approval record table is generated using the service platform required for approving the credit business, and finally uploaded to the approval system for credit business issuance. The entire process uses RPA technology to realize the automated scheduling of internal and external processes on the PC and mobile terminals, which can effectively reduce the cost of information verification, while freeing up the workload of the approval post and improving the approval efficiency.

[0052] In order to facilitate the explanation of the specific operation content, this application takes the application for credit card business as an example. Figure 2 This is a flowchart for credit business approval, which requires the coordinated scheduling of mobile and PC terminals.

[0053] When performing the operation, you need to use an internal PC connected to the bank's data system. This part is the data bank's intranet. The machine will run the Jinyong platform (system), credit approval system, and large installment system. After determining the applicant's information based on the request content, retrieve relevant credit information, existing large or small loans and related bank account verification data based on the applicant's information. This premise requires the applicant's name and identity identification information, that is, the ID number. The search target is the name and ID number. By querying these systems, setting certain search dates and filtering conditions, and converting according to needs and formats, you can generate tabular content based on the record template. This process is specifically designed to convert dates, space processing, special character processing and expansion, etc., and the record table is generated based on the template content set by different banks.

[0054] After obtaining the credit data information, the RPA robot is deployed on the mobile terminal to automatically call the mini-program of the instant messaging software to obtain the pending verification data initiated by the applicant.

[0055] After obtaining the pending verification data initiated by the applicant, the queried data is renamed according to the type, saved as the first image file, and stored locally.

[0056] The RPA automatic operation mechanism in this solution can be executed through the same scheduling of the system without manual search. After obtaining the credit data information, the RPA robot is deployed on the mobile terminal to automatically call the applet of the instant messaging software to obtain the pending verification data initiated by the applicant.

[0057] After obtaining the pending verification data initiated by the applicant, the queried data is renamed according to the type, saved as the first image file, and stored locally.

[0058] Assuming the instant messaging software is WeChat, you can automatically log in to the WeChat APP on the mobile terminal according to the preset login information, enter the conditional friends and search page, and add queries based on the personal and contact phone numbers filled in by the credit card application customer. Take screenshots of the queried data according to different types, rename them and save them locally, and then determine whether the application information filled in by the credit card application customer is true.

[0059] After renaming the queried data according to the type and saving them as first image files, the method further includes:

[0060] Rename the saved first image file through the mobile terminal, and identify the contact information, identity information and contact information in the corresponding web page element;

[0061] The bank verifies the applicant's identity information and contact information, and matches the applicant's credit report and large installment data to determine credit eligibility;

[0062] When the credit qualifications are met, the payment process of the instant payment software is initiated using the PC terminal based on the identity information and contact information extracted from the first image file.

[0063] The above steps are carried out with the help of RPA web page elements, so the RAP mechanism can directly extract data content from it and verify identity information and contact information. Specifically, it can verify the integrity of mobile phone numbers, ID card numbers, and bank card numbers and names. It also includes basic verification of information such as kinship, age, and place of origin. This information is mainly used for standardized verification to avoid subsequent futile operations.

[0064] Similarly, the payment process of the instant payment software is initiated based on the approval verification data, including the following steps:

[0065] Deploy an RPA robot on the PC side, and automatically log in to the instant payment software to initiate the transfer process based on the applicant information, relative information, and contact information included in the pending verification data;

[0066] After the transfer page pops up on the web page, a screenshot of the displayed transfer page is saved as a second image file and stored locally; the transfer page displays the credit standard information of the applicant or relative information, which is used to verify the consistency of the approval verification data.

[0067] Taking the Alipay transfer scenario as an example, by programming components, the robot is controlled to operate the Alipay web query. First, it is necessary to automatically log in to the account manager's Alipay web version according to the preset login information, enter the transfer page, and make a small transfer based on the applicant and contact phone number or bank card number filled in by the credit card application customer. After the transfer page pops up on the web page, take a screenshot and save it.

[0068] Figure 3 The schematic diagram of the second image file obtained by initiating a transfer based on the contact phone number is shown. In the transfer interface, partial contact information and partial phone information can be seen. This part of information can be used for consistency matching. When the name displayed on the phone does not match, it means that the information provided is incorrect. Of course, this step will not actually transfer money, but is only used for information verification. In addition, the bank card number of the applicant or related relatives can be used to transfer money, and screenshots can be saved and judged based on the card number and the name information.

[0069] After obtaining the second image file, the element information in the second image file is identified through the element recognition technology on the PC side to determine that it contains contact information, and the contact information is matched with the information in the pending verification data to determine the accuracy of the identity information. Determining the applicant's credit standard information is to determine whether the credit card applicant's application qualifications meet the credit standards, that is, whether the transfer verification of the applicant and the provided relative contact can meet the consistency, authenticity and security.

[0070] Verify and identify the approval record form, determine the applicant's application qualifications and upload it to the approval system, including:

[0071] Verify the data content and time information of the approval record form to determine the applicant's application qualifications;

[0072] Add a watermark to the saved image file based on the timestamp and applicant information, and upload it to the approval system together with the approval record form;

[0073] Start the email copy service and send the uploaded approval service to the approvers.

[0074] The above process also includes the verification of credit and credit business. If the credit is not compliant or the credit business does not meet the requirements, the verification will fail. Adding watermarks is mainly for pictures and approval record tables, which are used for system archiving and subsequent manual review.

[0075] In summary, this scenario deploys RPA robots on the mobile terminal. After authorization by the customer, the RPA robots automatically log in to WeChat and other channels on the mobile terminal to query the customer's relevant public information. Business personnel can draw a basic portrait of the customer based on the queried information and make a basic judgment on the customer's risk preference. Through the automatic query function of the robot, the processing time and customer experience of this product can be improved without reducing business risks, thereby enhancing the competitiveness of this product. The external user terminal is decoupled from the internal bank data security. RPA developers only need to care about business logic development, and do not need to pay attention to the content of the internal and external network data interaction security module, which has a higher security factor.

[0076] Figure 4 The structure diagram of the credit business approval device based on RPA technology provided in an embodiment of the present application is shown, and the device includes:

[0077] The acquisition module 410 is used to call the service platform required for approving the credit business in response to receiving the business application and acquire the credit data information;

[0078] The first confirmation module 420 is used to call the applet of the instant messaging software, obtain the pending verification data initiated by the applicant, and initiate the payment process of the instant payment software according to the approval verification data to determine the credit standard information of the applicant;

[0079] The second confirmation module 430 is used to generate an approval record table based on the verification data to be approved and the credit standard information, verify and identify the approval record table, determine the applicant's application qualifications and upload it to the approval system.

[0080] The credit business approval device based on RPA technology provided in the embodiment of the present application can be applied to the credit business approval method based on RPA technology provided in the above embodiment. For relevant details, refer to the above method embodiment. The implementation principle and technical effect are similar and will not be repeated here.

[0081] It should be noted that the credit business approval device based on RPA technology provided in the embodiment of the present application is only illustrated by the division of the above-mentioned functional modules / functional units. In actual applications, the above-mentioned functions can be assigned to different functional modules / functional units as needed, that is, the internal structure of the credit business approval device based on RPA technology is divided into different functional modules / functional units to complete all or part of the functions described above. In addition, the implementation method of the credit business approval method based on RPA technology provided in the above method embodiment and the implementation method of the credit business approval device based on RPA technology provided in this embodiment belong to the same concept. The specific implementation process of the credit business approval device based on RPA technology provided in this embodiment is detailed in the above method embodiment, which will not be repeated here.

[0082] Figure 5 The block diagram of a computer device provided by an exemplary embodiment of the present application is shown. It is a computer device such as a desktop computer, a laptop computer, a PDA, and a cloud server. The computer device may include, but is not limited to, a processor and a memory. Among them, the processor and the memory may be connected by a bus or in other ways. Among them, the processor may be a central processing unit (CPU). The processor may also be other general-purpose processors, digital signal processors (DSP), application-specific integrated circuits (ASIC), field-programmable gate arrays (FPGA) or other programmable logic devices, graphics processors (GPU), embedded neural network processors (NPU) or other dedicated deep learning coprocessors, discrete gates or transistor logic devices, discrete hardware components and other chips, or a combination of the above-mentioned various chips.

[0083] The processor may include one or more processing cores, such as a 4-core processor, an 8-core processor, etc. The processor may be implemented in at least one hardware form of DSP (Digital Signal Processing), FPGA (Field-Programmable Gate Array), and PLA (Programmable Logic Array). The processor may also include a main processor and a coprocessor. The main processor is a processor for processing data in the awake state, also known as a CPU (Central Processing Unit); the coprocessor is a low-power processor for processing data in the standby state. In some embodiments, the processor may be integrated with a GPU (Graphics Processing Unit), which is responsible for rendering and drawing the content that needs to be displayed on the display screen. In some embodiments, the processor may also include an AI (Artificial Intelligence) processor, which is used to process computing operations related to machine learning.

[0084] As a non-transient computer-readable storage medium, the memory can be used to store non-transient software programs, non-transient computer executable programs and modules, such as program instructions / modules corresponding to the methods in the above-mentioned embodiments of the present application. The processor executes various functional applications and data processing of the processor by running the non-transient software programs, instructions and modules stored in the memory, that is, the method in the above-mentioned method implementation is realized. The memory may include a program storage area and a data storage area, wherein the program storage area may store an operating system, an application required for at least one function; the data storage area may store data created by the processor, etc. In addition, the memory may include a high-speed random access memory, and may also include a non-transient memory, such as at least one disk storage device, a flash memory device, or other non-transient solid-state storage device. In some embodiments, the memory may optionally include a memory remotely arranged relative to the processor, and these remote memories may be connected to the processor via a network. Examples of the above-mentioned network include, but are not limited to, the Internet, an intranet, a local area network, a mobile communication network and a combination thereof.

[0085] In some embodiments, the computer device may further optionally include: a peripheral device interface and at least one peripheral device. The processor, the memory and the peripheral device interface may be connected via a bus or a signal line. Each peripheral device may be connected to the peripheral device interface via a bus, a signal line or a circuit board. Specifically, the peripheral device includes: at least one of a radio frequency circuit, a display screen and a keyboard.

[0086] The peripheral device interface can be used to connect at least one peripheral device related to I / O (Input / Output) to the processor and the memory. In some embodiments, the processor, the memory, and the peripheral device interface are integrated on the same chip or circuit board; in some other embodiments, any one or two of the processor, the memory, and the peripheral device interface can be implemented on a separate chip or circuit board, which is not limited in this embodiment.

[0087] The display screen is used to display the UI (User Interface). The UI may include graphics, text, icons, videos and any combination thereof. When the display screen is a touch screen, the display screen also has the ability to collect touch signals on the surface or above the surface of the display screen. The touch signal can be input to the processor as a control signal for processing. At this time, the display screen can also be used to provide virtual buttons and / or virtual keyboards, also known as soft buttons and / or soft keyboards. In some embodiments, the display screen can be one, arranged on the front panel of the computer device; in other embodiments, the display screen can be at least two, respectively arranged on different surfaces of the computer device or in a folding design; in other embodiments, the display screen can be a flexible display screen, arranged on a curved surface or a folding surface of the computer device. Even, the display screen can be set to a non-rectangular irregular shape, that is, a special-shaped screen. The display screen can be made of materials such as LCD (Liquid Crystal Display), OLED (Organic Light-Emitting Diode) and the like.

[0088] The power supply is used to power various components in the computer device. The power supply can be AC, DC, a disposable battery, or a rechargeable battery. When the power supply includes a rechargeable battery, the rechargeable battery can be a wired rechargeable battery or a wireless rechargeable battery. A wired rechargeable battery is a battery that is charged through a wired line, and a wireless rechargeable battery is a battery that is charged through a wireless coil. The rechargeable battery can also be used to support fast charging technology.

[0089] Those skilled in the art will appreciate that the structure shown in this embodiment does not constitute a limitation on the computer device, and may include more or fewer components than shown in the figure, or combine certain components, or adopt a different component arrangement.

[0090] The embodiment of the present application also discloses a computer-readable storage medium. Specifically, the computer-readable storage medium is used to store a computer program, and when the computer program is executed by the processor, the method in the above-mentioned method implementation is implemented. Those skilled in the art can understand that the implementation of all or part of the process in the above-mentioned implementation method of the present application can be completed by instructing the relevant hardware through a computer program, and the program can be stored in a computer-readable storage medium, and when the program is executed, it can include the process of the implementation of the above-mentioned methods. Among them, the storage medium can be a disk, an optical disk, a read-only memory (ROM), a random access memory (RAM), a flash memory (Flash Memory), a hard disk (Hard Disk Drive, abbreviated as: HDD) or a solid-state drive (SSD), etc.; the storage medium can also include a combination of the above-mentioned types of memory.

[0091] This specific embodiment is merely an explanation of the present invention and is not a limitation of the present invention. After reading this specification, those skilled in the art may make non-creative modifications to the present embodiment as needed. However, as long as they are within the scope of the claims of the present invention, they are protected by the patent law.

Claims

1. A credit business approval method based on RPA technology, characterized in that: The method comprises: In response to receiving the business application, calling the service platform required for approving the credit business to obtain credit data information; Retrieve the applet of the instant messaging software, obtain the pending verification data initiated by the applicant, and initiate the payment process of the instant payment software according to the approval verification data to determine the credit standard information of the applicant; An approval record table is generated based on the verification data to be approved and the credit standard information, and the approval record table is verified and identified to determine the applicant's application qualifications and upload to the approval system.

2. The method according to claim 1, characterized in that The calling of the service platform required for approving the credit business to obtain credit data information includes: Based on the applicant's information, the credit approval system and large-amount installment system are accessed to obtain the applicant's credit and large-amount installment data information.

3. The method according to claim 2, characterized in that The applicant sends the business application and pending verification data through the instant messaging software mini program; the pending verification data includes the applicant's information, the applicant's contact information, relatives' information and contact information, and identity identification information; After obtaining credit data information, deploy RPA robots on the mobile terminal to automatically call the mini-program of the instant messaging software to obtain the pending verification data initiated by the applicant; After obtaining the pending verification data initiated by the applicant, the queried data is renamed according to the type, saved as the first image file, and stored locally.

4. The method according to claim 3, characterized in that The payment process of initiating the instant payment software according to the approval verification data includes: Deploy an RPA robot on the PC side, and automatically log in to the instant payment software to initiate the transfer process based on the applicant information, relative information, and contact information included in the pending verification data; After the transfer page pops up on the web page, a screenshot of the displayed transfer page is saved as a second image file and stored locally; the transfer page displays the credit standard information of the applicant or relative information, which is used to verify the consistency of the approval verification data.

5. The method according to claim 3, characterized in that: After renaming the queried data according to the type and saving them as the first picture file, the method further includes: Rename the saved first picture file through the mobile terminal, and identify the contact information, identity identification information and contact information on the mobile terminal page; The bank verifies the applicant's identity information and contact information, and matches the applicant's credit report and large installment data to determine credit eligibility; When the credit qualifications are met, the payment process of the instant payment software is initiated using the PC terminal based on the identity information and contact information extracted from the first image file.

6. The method according to claim 4, characterized in that After the displayed transfer page screenshot is saved as a second image file, the method further includes: After saving the second image file, the contact information contained in the web page element is obtained, and the contact information is matched with the information in the verification data to be approved to determine the accuracy of the identity information.

7. The method according to claim 5 or 6, characterized in that: The verification and identification of the approval record form, determination of the applicant's application qualifications and uploading to the approval system include: Verify the data content and time information of the approval record form to determine the applicant's application qualifications; Add a watermark to the saved image file according to the timestamp and applicant information, and upload it to the approval system together with the approval record form; Start the email copy service and send the uploaded approval service to the approvers.

8. A credit business approval device based on RPA technology, characterized in that: The device comprises: An acquisition module is used to call a service platform required for approving credit business and acquire credit data information in response to receiving a business application; The first confirmation module is used to call the applet of the instant messaging software, obtain the pending verification data initiated by the applicant, and initiate the payment process of the instant payment software according to the approval verification data to determine the credit standard information of the applicant; The second confirmation module is used to generate an approval record table based on the verification data to be approved and the credit standard information, verify and identify the approval record table, determine the applicant's application qualifications and upload it to the approval system.

9. A computer device, characterized in that: The computer device includes a processor and a memory, wherein the memory stores at least one instruction, at least one program, a code set or an instruction set, and the at least one instruction, the at least one program, the code set or the instruction set is loaded and executed by the processor to implement the credit business approval method based on RPA technology as described in any one of claims 1 to 7.

10. A computer-readable storage medium, characterized in that: The readable storage medium stores at least one instruction, at least one program, a code set or an instruction set, and the at least one instruction, the at least one program, the code set or the instruction set are loaded and executed by the processor to implement the credit business approval method based on RPA technology as described in any one of claims 1 to 7.

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