Method and system for filing standardized process service
By providing standardized file building process services and systems, the problem of cumbersome and inefficient file building processes in different banks is solved, and an efficient and automated file building and signature process is achieved, which improves the success rate of financing application and operation convenience of the company.
Patent Information
- Application Number
- CN202411993169.1
- Authority / Receiving Office
- CN · China
- Patent Type
- Applications(China)
- Current Assignee / Owner
- Filing Date
- 2024-12-31
- Publication Date
- 2025-04-29
AI Technical Summary
In the existing technology, enterprises have cumbersome and inefficient procedures for establishing files in different banks, resulting in extended financing application cycles, difficult information updates, and slow feedback on review results, increasing corporate risks.
Provide a standardized process service method and system for file building. By receiving user file building requirements and user basic information, create user files, and match the target server interface according to the recipient identification of different banks, realize automated signature and approval processes, and simplify user operations.
The process of enterprises in establishing files in different banks has been optimized, the efficiency and success rate of files have been improved, the complexity and time cost of operations have been reduced, and the risk of failure or delay in corporate financing applications has been reduced.
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Figure CN119904197A_ABST
Abstract
Description
Technical Field
[0001] The present invention relates to the field of enterprise file management and computer technology, and in particular to a file standardization process service method and system. Background Art
[0002] The process of establishing corporate files in different banks may vary from bank to bank, but generally includes the following steps: 1) Customer application: The customer goes to a bank branch or online channel to submit a file application; 2) Information collection and verification: The bank collects relevant information from the customer and verifies it; 3) Information analysis and evaluation: The bank analyzes and evaluates the collected customer information to form a customer file; 4) Service: Based on the customer file, the bank provides customers with corresponding financial services. The above traditional filing process has the following problems: 1) Cumbersome process: Enterprises need to prepare different information for each bank and sign different agreements, which increases the complexity and time cost of operations; 2) Inefficiency: The offline submission and verification stage takes a long time and is easily affected by factors such as geographical location and traffic conditions, resulting in a longer financing application cycle; 3) Difficulty in updating information: If the enterprise information changes during the financing application process, it is necessary to notify the bank in time and update the information, but this process is often cumbersome and time-consuming, which may affect the success of subsequent corporate financing; 4) Slow feedback on audit results: After the bank's review is passed, there may be delays in the process of notifying the enterprise and maintaining the filing status, resulting in the enterprise's inability to initiate financing applications in a timely manner; 5) Increased corporate risks: Due to cumbersome and inefficient processes, enterprises may face the risk of failure or delay in financing applications, which in turn affects the company's capital needs and operating plans. Summary of the invention
[0003] In view of this, an embodiment of the present invention provides a method and system for a standardized filing process service to eliminate or improve one or more defects existing in the prior art.
[0004] One aspect of the present invention provides a standardized process service method for creating a file, the method comprising the following steps:
[0005] Receive a file creation application from a user that carries file creation requirement information and user basic information, create a user profile based on the file creation requirement information and user basic information, and match the target server interface corresponding to the file creation recipient identifier in the file creation requirement information according to the correspondence between the file creation recipient identifier and the server interface;
[0006] Submit the user profile to the target server through the target server interface, so that the target server generates the agreement text based on the information in the user profile and returns the agreement address, obtains the agreement text based on the agreement address and performs a signature;
[0007] Bind the signed agreement text and the user profile to generate a binding document, and push the binding document to the target server so that the target server pre-examines the binding document and returns the pre-examination result;
[0008] If the pre-examination result received is from the target server, the secondary signature file list is queried based on the information in the user profile to obtain the file to be signed in the secondary signature file list and perform secondary signature;
[0009] The file with the second signature is pushed to the target server, so that the target server can conduct a final review of the file with the second signature and return the final review result. If the final review is passed, the first signature file and the second signature file after the review are returned together to complete the file creation.
[0010] In some embodiments of the present invention, the method further comprises:
[0011] If the result received is a pre-review failure or a final review failure from the target server, a new user profile is recreated based on the profile creation requirement information and the user's basic information, and the steps of primary and secondary signatures are continued until the result received is a pre-review pass or a final review pass from the target server.
[0012] In some embodiments of the present invention, in the steps of primary signing and secondary signing, a dual signing method combining face recognition and CFCA electronic signature is used for signing.
[0013] In some embodiments of the present invention, a dual signature method combining face recognition and CFCA electronic signature is used for signature, including:
[0014] Get the permission to verify the camera model for face recognition, and select a specific camera model from the preset camera models;
[0015] Using a camera of a specific model to take a picture of the face to obtain a first face image;
[0016] Obtaining a second face image pre-stored in a third-party face database through the SDK information upload interface, extracting features from the first face image and the second face image respectively, and comparing and matching the features extracted from the first face image and the second face image;
[0017] If the match is successful, the face recognition result label is added to the files to be signed for the first and second signatures, and the signature position is located. The CFCA electronic signature technology is used to sign at the signature position.
[0018] In some embodiments of the present invention, before the primary signature and the secondary signature, a dual security mechanism of digital certificate verification and user authority authentication verification is used to verify the identity of the user to be signed.
[0019] In some embodiments of the present invention, in the step of creating a user profile based on profile creation requirement information and user basic information, the user profile is created by creating multiple fields and field attributes of multiple fields based on the profile creation requirement information and user basic information.
[0020] In some embodiments of the present invention, the file creation requirements include financing, loans, financial management and financial transactions; the basic enterprise information includes the enterprise information in the three-in-one certificate; and the server includes a bank server.
[0021] Another aspect of the present invention provides a standardized filing process service system, the system comprising: a computer device, the computer device comprising a processor and a memory, the memory storing computer instructions, the processor being used to execute the computer instructions stored in the memory, and when the computer instructions are executed by the processor, the system implements the steps of the aforementioned method.
[0022] Another aspect of the present invention provides a computer-readable storage medium having a computer program stored thereon, and the computer program is executed by a processor to implement the steps of the aforementioned method.
[0023] Another aspect of the present invention provides a computer program product, comprising computer instructions, which implement the steps of the above method when executed by a processor.
[0024] The standardized process service method and system for file building of the present invention can optimize the cumbersome process that enterprises need to go through when using different banks to build files by providing standardized process services for file building, thereby improving the efficiency and success rate of file building. Intelligent means are used to integrate and meet the differentiated requirements of major banks in the process of customer file building, thereby greatly simplifying the user's operation process. The method and system can uniformly receive the file building information (file building demand information and user basic information) submitted by the user, and based on the file building information, create a user file that can be automatically adapted and converted into a data format that meets the specific format and requirements of each bank, so that the user only needs to perform a one-time, standardized information entry, and the file building file information can be directly submitted to the target bank seamlessly, without having to face the cumbersome and repetitive file building process between different banks. The present invention not only improves the convenience and efficiency of user file building, but also promotes the standardization, automation and intelligentization process of the financial services industry, and has significant technical innovation and practical value.
[0025] Additional advantages, purposes, and features of the present invention will be described in part in the following description, and will become apparent to those skilled in the art after studying the following, or may be learned from the practice of the present invention. The purposes and other advantages of the present invention may be achieved and obtained by the structures specifically indicated in the specification and the accompanying drawings.
[0026] Those skilled in the art will appreciate that the objectives and advantages that can be achieved with the present invention are not limited to the above specific description, and the above and other objectives that can be achieved by the present invention will be more clearly understood from the following detailed description. BRIEF DESCRIPTION OF THE DRAWINGS
[0027] The drawings described herein are used to provide a further understanding of the present invention, constitute a part of this application, and do not constitute a limitation of the present invention.
[0028] Figure 1 The figure is a flowchart of a standardized process service method for creating files in one embodiment of the present invention. DETAILED DESCRIPTION
[0029] In order to make the purpose, technical solution and advantages of the present invention more clearly understood, the present invention is further described in detail below in conjunction with the embodiments and the accompanying drawings. Here, the illustrative embodiments of the present invention and their descriptions are used to explain the present invention, but are not intended to limit the present invention.
[0030] It should also be noted that, in order to avoid obscuring the present invention due to unnecessary details, only structures and / or processing steps closely related to the solutions according to the present invention are shown in the accompanying drawings, while other details that are not closely related to the present invention are omitted.
[0031] It should be emphasized that the term “include / comprises” when used herein refers to the presence of features, elements, steps or components, but does not exclude the presence or addition of one or more other features, elements, steps or components.
[0032] It should also be noted that, unless otherwise specified, the term “connection” herein may refer not only to a direct connection but also to an indirect connection involving an intermediate.
[0033] Hereinafter, embodiments of the present invention will be described with reference to the accompanying drawings. In the accompanying drawings, the same reference numerals represent the same or similar components, or the same or similar steps.
[0034] In order to effectively improve the efficiency and accuracy of enterprise file creation in different banks, while ensuring the security and compliance of user information, the embodiments of the present invention provide a standardized file creation process service method and system, which integrates and adapts well to the differentiated requirements of various banks for customer file creation through intelligent technical means, thereby greatly simplifying the file creation operation process for users in different banks. Figure 1 FIG. 1 is a flow chart of a standardized process service method for creating a file in one embodiment of the present invention. Figure 1 As shown, the method is applied to a client, which may be a mobile terminal or a web page (Web) terminal, and includes the following steps:
[0035] Step S110, receiving a file creation application from a user that carries file creation requirement information and user basic information, creating a user profile based on the file creation requirement information and user basic information, and matching the target server interface corresponding to the file creation recipient identifier in the file creation requirement information according to the correspondence between the file creation recipient identifier and the server interface.
[0036] Specifically, the file creation needs include financing, loans, financial management and financial transactions, etc. The file creation demand information includes financing information, loan information, financial management information and financial transaction information, etc. These categories of file creation demand information all contain the file creation recipient identification. For example, when the user's file creation needs are for financing, and the financing is obtained by applying for a loan from the target bank, the file creation recipient is the target bank, and the file creation recipient identification is the bank code of the target bank. Different banks have different bank codes, that is, each bank corresponds to a bank code, and when the service terminals of different banks are connected to this file creation standardized process service system, each bank code corresponds to an interface to interact with different banks (file creation recipients). The basic information of the enterprise includes the enterprise information in the three-in-one certificate and the impact information related to the enterprise, etc., specifically including the enterprise unit name information, enterprise unit address information, organization code and tax registration information. The service end includes a bank service end, and may also include other financial institution service ends that connect the docking interface to the standardized filing process service system. These financial institutions may be, for example, securities institutions, investment institutions, trust institutions, etc. Similarly, when accessed, each institution and its institution code corresponds to an interface.
[0037] In the step of creating a user profile based on the profile building demand information and the user's basic information in step S110, a user profile is created by creating multiple fields and field attributes of multiple fields based on the profile building demand information and the user's basic information. In a specific example, the method summarizes the profile building processes of multiple different banks and the differentiated requirements for user profile building, and obtains fields and their different attribute values in data formats that can be applied to and meet the specific formats and requirements of the above banks, so that the content and format of the user profile created based on these fields and field attributes have universality and universality. In the specific implementation process, the method can also extract the profile building recipient identifier from the profile building demand information, automatically select and adapt the corresponding fields according to the profile building recipient identifier, so as to generate personalized user profiles for different profile building recipients and effectively applicable to the corresponding profile building recipients. In a specific example, the corresponding fields are automatically adapted according to the bank code of the target bank that the user needs to finance. The above different implementation methods can enable users to more quickly and efficiently realize the one-time, standardized information data entry, thereby simplifying the entire profile building process. Through template design, archive files that meet bank requirements can be quickly generated, improving the efficiency and accuracy of archive generation. At the same time, the binding of templates and configurations makes the generation process of archive files more flexible and controllable. In addition, during the creation phase, by pulling all the enterprise's archive information, displaying the required fields and field attributes, and performing intelligent field verification and format verification, the problem of incorrect archive creation can be effectively avoided.
[0038] Through the above steps, the method avoids the complexity of the system directly connecting to multiple bank interfaces, reduces code redundancy and maintenance costs, and can easily expand new bank interfaces, thereby improving the scalability of the method and system.
[0039] In other embodiments, in step S110, after receiving the file creation application, it is determined whether it is a working day of the file creation recipient according to the file creation requirement information in the file creation application. If it is a working day, the file creation application of the user is verified according to the file creation requirement information and the user's basic information to see whether it is a new file of the file creation recipient. If it is a new file, the subsequent step S120 is executed. If it is not a new file, the existing user file is directly submitted to the target server. If it is a non-working day, the process is terminated. Step S110 can use the Oracle database to efficiently store the received file creation application and the created user file, and use the Redis cache mechanism for fast cache access, so as to facilitate subsequent fast cache access and acquisition. It can also verify the requirements of the three certificates in one for enterprises.
[0040] Step S120, submitting the user profile to the target server through the target server interface, so that the target server generates a protocol text based on the information in the user profile and returns a protocol address, obtains the protocol text based on the protocol address and performs a signature.
[0041] In this step, the agreement text signed once can be a contract text and / or agreement text generated based on the user file creation demand information and user basic information contained in the user file, for example, a corporate file containing information such as corporate financing or loans and basic corporate information, and the target bank generates a financing contract agreement text or a loan contract agreement text based on the corporate financing or loans and basic corporate information in the corporate file. In the process of signing once, the agreement address of the agreement text can be guaranteed to remain unchanged. Through the interaction between the client and the bank server and other service terminals, an agreement document that meets the requirements of each bank can be quickly generated, which improves the efficiency and accuracy of agreement generation.
[0042] Step S130, the signed agreement text and the user profile are bound to generate a binding document, and the binding document is pushed to the target server, so that the target server pre-examines the binding document and returns the pre-examination result.
[0043] Step S140: If the received result is a pre-examination pass from the target server, the secondary signature file list is queried based on the information in the user profile to obtain the file to be signed in the secondary signature file list and perform secondary signature.
[0044] In this step, this method introduces and adds a secondary signature service process in response to the specific requirements of some file recipients for file creation applications. After the preliminary review is passed, the system will automatically enter the secondary signature page, and the page information cannot be modified, ensuring the accuracy and security of the signature data, and ensuring that the data after the preliminary review cannot be tampered with, thereby improving the security and accuracy of the signature. The documents for the secondary signature can be supplementary agreements, supplementary documents, other additional or related documents, etc. associated with the contract text and / or agreement text of the primary signature. Through the secondary signature process, the automatic acquisition and signing of various documents to be signed, such as bank agreements, is realized, which improves the efficiency of acquiring documents to be signed and the convenience of signing. At the same time, through the connection with the bank interface, the authenticity and legality of the content of the agreement are guaranteed.
[0045] In some embodiments, in the steps of one signature and two signatures, i.e., step S120 and step S140, a double signature method combining face recognition and CFCA electronic signature is used for signature. CFCA electronic signature is based on the digital certificate technology of China Financial Certification Center (CFCA), and electronic documents are signed and authenticated by electronic signature. It exists in digital form, which can ensure that the identity of the user to be signed is authentic and reliable, and the signed content is complete and cannot be tampered with. In the fund field, CFCA electronic signature can be used in the signing of fund contracts, confirmation of transaction instructions and other links. Investors no longer need to go to the counter in person to sign paper documents, and legal and valid signatures can be completed online, which greatly improves transaction efficiency. In the banking field, documents such as loan contracts and account opening applications can also use electronic signatures, reducing cumbersome paper processes and reducing operating costs. For corporate financial management, the approval of financial statements, the signing of reimbursement documents, etc. can also be digitally operated with the help of CFCA electronic signatures. The use of CFCA signature technology and combined with face recognition technology ensures the legal effect and security of the signature. At the same time, by keeping the file ID and file address unchanged, the management and tracking of files in the background are simplified. In addition, the file signing function can effectively prevent the file from being tampered with, ensuring the integrity and authenticity of the file. The core of face recognition is to capture and analyze multiple feature points of the face, and compare these feature points with the pre-stored face data to achieve identity recognition. The above combination of CFCA signature technology and face recognition technology has the following advantages: it can improve efficiency, enhance security, facilitate management, and realize dual user identity signatures at the same time. Compared with traditional paper signatures, electronic signatures do not need to print, mail, or store paper documents. The signing process is completed instantly, saving a lot of time and labor costs. The use of advanced encryption technology ensures the confidentiality and non-tamperability of the signing process, effectively preventing information leakage and tampering. The signing records and documents of electronic signatures are stored in an electronic database, which is convenient for query, statistics and auditing, and helps to achieve standardized management.
[0046] Specifically, the dual signature method combining facial recognition and CFCA electronic signature is used for signature, including the following steps:
[0047] Get the permission to verify the camera model for face recognition, and select a specific camera model from the preset camera models;
[0048] Using a camera of a specific model to take a picture of the face to obtain a first face image;
[0049] Obtaining a second face image pre-stored in a third-party face database through the SDK information upload interface, extracting features from the first face image and the second face image respectively, and comparing and matching the features extracted from the first face image and the second face image;
[0050] If the match is successful, the face recognition result label is added to the files to be signed for the first and second signatures, and the signature position is located. The CFCA electronic signature technology is used to sign at the signature position.
[0051] In some embodiments, before the first and second signatures, a dual security mechanism of digital certificate verification and user authority authentication verification is used to verify the identity of the user to be signed. This further improves the security and reliability of the two-signing process. In addition, this method can also support agreement preview and real-time saving. Before signing, the user can clearly view the content of the agreement and confirm that it is correct before signing, which greatly improves the accuracy of the signature and user satisfaction, and also facilitates users to check and manage at any time.
[0052] Step S150, push the twice-signed file to the target server, so that the target server conducts a final review of the twice-signed file and returns the final review result. If the final review is passed, the once-signed file and the twice-signed file that have passed the review will be returned together to complete the file creation.
[0053] In some embodiments, the standardized file creation process service method further includes the following steps:
[0054] If the result received is a pre-review failure or a final review failure from the target server, a new user profile is recreated based on the profile creation requirement information and the user's basic information, and the steps of primary and secondary signatures are continued until the result received is a pre-review pass or a final review pass from the target server.
[0055] The standardized process service method for filing in the embodiment of the present invention realizes efficient and secure processing of enterprise filing and secondary signature through multi-technology integration and innovative process design, and provides strong technical support for enterprise financing services in the financial industry. In steps S110 to S150 of this method, Spring Cloud is used as the core architecture, combined with the high-performance storage of Oracle database, the fast cache access of Redis, the efficient message transmission of Rocket MQ (including the interaction between the client and the server and the interaction between the front end and the back end, etc.) and the parallel processing capability of multi-threaded processing technology, to build an efficient, stable and scalable enterprise filing and signature system. The system architecture of the above multi-technology integration and the efficient asynchronous message processing significantly improve the processing speed of enterprise filing and signature. For the technical framework, in addition to Spring Boot and Spring Cloud, other Java back-end frameworks such as Spring MVC, Struts2, etc. can also be used, and these frameworks can also support efficient Web application development. For the database, in addition to Oracle, relational databases such as MySQL and PostgreSQL are also feasible options, which also have high performance and stability and can meet the data storage requirements of enterprise filing and signature systems. For message processing technology, in addition to Rocket MQ, you can also choose other message middleware such as Kafka and RabbitMQ, which can also support efficient asynchronous message processing. For caching mechanism, in addition to Redis, caching systems such as Memcached are also feasible options, which can improve system performance and reduce database access pressure.
[0056] Corresponding to the above method, the present invention also provides a standardized filing process service system, which includes a computer device, the computer device includes a processor and a memory, the memory stores computer instructions, the processor is used to execute the computer instructions stored in the memory, and when the computer instructions are executed by the processor, the system implements the steps of the above method.
[0057] In summary, the standardized process service method and system for file building in the embodiment of the present invention can optimize the cumbersome process that enterprises need to go through when using different banks to build files by providing standardized process services for file building, thereby improving the efficiency and success rate of file building. By integrating and meeting the differentiated requirements of major banks in the process of customer file building through intelligent means, the differentiated processing of the business characteristics of major banks is realized, thereby greatly simplifying the user's operation process and the complexity of the business process. The method and system can uniformly receive the file building information (file building demand information and user basic information) submitted by the user, and based on the file building information, create a user file that can be automatically adapted and converted into a data format that meets the specific format and requirements of each bank, so that the user only needs to perform a one-time, standardized information entry, and can directly submit the file building file information to the target bank seamlessly, without facing the cumbersome and repetitive file building process between different banks. The present invention not only improves the convenience and efficiency of user file building, but also promotes the standardization, automation and intelligentization process of the financial services industry, and has significant technical innovation and practical value.
[0058] The embodiment of the present invention also provides a computer-readable storage medium on which a computer program is stored, and when the computer program is executed by a processor, the steps of the aforementioned method are implemented. The computer-readable storage medium can be a tangible storage medium, such as a random access memory (RAM), a memory, a read-only memory (ROM), an electrically programmable ROM, an electrically erasable programmable ROM, a register, a floppy disk, a hard disk, a removable storage disk, a CD-ROM, or any other form of storage medium known in the technical field.
[0059] An embodiment of the present invention further provides a computer program product, comprising computer instructions, which implement the steps of the aforementioned method when executed by a processor.
[0060] It should be understood by those skilled in the art that the exemplary components, systems and methods described in conjunction with the embodiments disclosed herein can be implemented in hardware, software or a combination of the two. Whether it is performed in hardware or software depends on the specific application and design constraints of the technical solution. Professional and technical personnel can use different methods to implement the described functions for each specific application, but such implementation should not be considered to be beyond the scope of the present invention. When implemented in hardware, it can be, for example, an electronic circuit, an application specific integrated circuit (ASIC), appropriate firmware, a plug-in, a function card, etc. When implemented in software, the elements of the present invention are programs or code segments used to perform the required tasks. The program or code segment can be stored in a machine-readable medium, or transmitted on a transmission medium or a communication link via a data signal carried in a carrier.
[0061] It should be clear that the present invention is not limited to the specific configuration and processing described above and shown in the figures. For the sake of simplicity, a detailed description of the known method is omitted here. In the above embodiments, several specific steps are described and shown as examples. However, the method process of the present invention is not limited to the specific steps described and shown, and those skilled in the art can make various changes, modifications and additions, or change the order between the steps after understanding the spirit of the present invention.
[0062] In the present invention, features described and / or illustrated for one embodiment may be used in the same or similar manner in one or more other embodiments, and / or combined with features of other embodiments or replace features of other embodiments.
[0063] The above description is only a preferred embodiment of the present invention and is not intended to limit the present invention. For those skilled in the art, the embodiments of the present invention may have various modifications and variations. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present invention shall be included in the protection scope of the present invention.
Claims
1. A standardized process service method for establishing a file, characterized in that: The method comprises: Receive a file creation application from a user that carries file creation requirement information and user basic information, create a user profile based on the file creation requirement information and user basic information, and match the target server interface corresponding to the file creation recipient identifier in the file creation requirement information according to the correspondence between the file creation recipient identifier and the server interface; Submit the user profile to the target server through the target server interface, so that the target server generates the agreement text based on the information in the user profile and returns the agreement address, obtains the agreement text based on the agreement address and performs a signature; Bind the signed agreement text and the user profile to generate a binding document, and push the binding document to the target server so that the target server pre-examines the binding document and returns the pre-examination result; If the pre-examination result received is from the target server, the secondary signature file list is queried based on the information in the user profile to obtain the file to be signed in the secondary signature file list and perform secondary signature; The file with the second signature is pushed to the target server, so that the target server can conduct a final review of the file with the second signature and return the final review result. If the final review is passed, the first signature file and the second signature file after the review are returned together to complete the file creation.
2. The method according to claim 1, characterized in that The method further comprises: If the result received is a pre-review failure or a final review failure from the target server, a new user profile is recreated based on the profile creation requirement information and the user's basic information, and the steps of primary and secondary signatures are continued until the result received is a pre-review pass or a final review pass from the target server.
3. The method according to claim 1, characterized in that In the first signing and second signing steps, a dual signing method combining facial recognition and CFCA electronic signature is used for signing.
4. The method according to claim 3, characterized in that The double signature method combining facial recognition and CFCA electronic signature is used for signature, including: Get the permission to verify the camera model for face recognition, and select a specific camera model from the preset camera models; Using a camera of a specific model to take a picture of the face to obtain a first face image; Obtaining a second face image pre-stored in a third-party face database through the SDK information upload interface, extracting features from the first face image and the second face image respectively, and comparing and matching the features extracted from the first face image and the second face image; If the match is successful, the face recognition result label is added to the files to be signed for the first and second signatures, and the signature position is located. The CFCA electronic signature technology is used to sign at the signature position.
5. The method according to claim 1, characterized in that Before the first and second signatures, a dual security mechanism of digital certificate verification and user authority authentication verification is used to verify the identity of the user who is signing.
6. The method according to claim 1, characterized in that In the step of creating a user profile based on profile creation requirement information and user basic information, the user profile is created by creating multiple fields and field attributes of multiple fields based on the profile creation requirement information and user basic information.
7. The method according to any one of claims 1 to 6, characterized in that The file creation requirements include financing, loans, financial management and financial transactions; the basic enterprise information includes the enterprise information in the three-in-one certificate; the service end includes the bank service end.
8. A standardized file creation process service system, comprising a processor, a memory, and computer instructions stored in the memory, characterized in that: The processor is used to execute the computer instructions, and when the computer instructions are executed, the system implements the steps of the method according to any one of claims 1 to 7.
9. A computer-readable storage medium having a computer program stored thereon, characterized in that: When the computer program is executed by a processor, the steps of the method according to any one of claims 1 to 7 are implemented.
10. A computer program product comprising computer instructions, characterized in that: When the computer instructions are executed by a processor, the steps of the method described in any one of claims 1 to 7 are implemented.