Credit card application data processing method and device, equipment, storage medium and product

Abstract

The invention provides a credit card application data processing method and device, equipment, a storage medium and a product, and relates to the field of financial science and technology. The method comprises the following steps: in response to a received credit card application request sent by a credit card application client, obtaining a filing category and a credit card application level corresponding to a target user; generating an intelligent form according to the filing category; in response to the fact that the information of the intelligent form is confirmed to be correct, obtaining a reputation score corresponding to the target user, and determining an approval process corresponding to the intelligent form based on the filing category, the credit card application level and the reputation score; and examining and approving the intelligent form based on the examination and approval process to obtain an examination and approval result corresponding to the intelligent form, and sending the examination and approval result corresponding to the intelligent form to the credit card application client. According to the method provided by the invention, different credit card approval processes can be efficiently set for different document categories, credit card application levels and credit scoring conditions, so that the credit card application approval speed is increased.

Description

Technical Field

[0001] The present application relates to the field of financial technology, and in particular to a method, apparatus, device, storage medium and product for processing credit card application data. Background Art

[0002] Credit cards provide users with a service of spending first and paying later, which brings convenience to users when making consumption payments, and thus the demand for credit cards among users is also increasing; but when applying for a credit card, in order to ensure that the user applying for the credit card is a user who meets the credit card application requirements, when applying for a credit card, a strict and complex credit card application approval process is required before the credit card can be issued to the user. The strict and complex credit card application approval process takes a lot of approval time, and when there are a large number of credit card approval tasks, a lot of labor costs will be consumed, and if the manual approval is improper, it will also lead to the misapproval of the credit card. Therefore, the efficiency of credit card approval needs to be improved.

[0003] At present, the credit card approval process usually involves multiple links and departments. Starting from the customer submitting the application materials, it needs to go through multiple steps such as data entry, preliminary review, credit inquiry, risk assessment, credit limit calculation, and manual review. There are often delays in the transmission of approval information and manual operation errors between each step, which leads to a longer approval cycle. Therefore, an efficient credit card approval process is needed to speed up the approval of credit card applications. Summary of the Invention

[0004] The present application provides a method, apparatus, device, storage medium and product for processing credit card application data, which are used to solve the technical problem of requiring an efficient credit card approval process to increase the speed of credit card application approval.

[0005] In a first aspect, the present application provides a method for processing credit card application data, comprising:

[0006] In response to receiving a credit card application request sent by a credit card application client, obtaining a file creation category and a credit card application level corresponding to the target user;

[0007] Generate an intelligent form according to the file creation category;

[0008] In response to confirming that the information in the smart form is correct, obtaining a credit score corresponding to the target user, and determining an approval process corresponding to the smart form based on the profile category, credit card application level, and credit score;

[0009] The smart form is approved based on the approval process to obtain an approval result corresponding to the smart form, and the approval result corresponding to the smart form is sent to the credit card application client; the approval result is used to indicate whether a credit card is issued to the target user.

[0010] In a second aspect, the present application provides a device for processing credit card application data, comprising:

[0011] An acquisition module, configured to obtain the profile category and credit card application level corresponding to the target user in response to receiving a credit card application request sent by a credit card application client;

[0012] A generation module, configured to generate an intelligent form according to the file creation category;

[0013] a determination module configured to obtain a credit score corresponding to the target user in response to confirming that the information in the smart form is correct, and determine an approval process corresponding to the smart form based on the profile category, credit card application level, and credit score;

[0014] An approval module is used to approve the smart form based on the approval process to obtain an approval result corresponding to the smart form, and send the approval result corresponding to the smart form to the credit card application client; the approval result is used to indicate whether a credit card is issued to the target user.

[0015] In a third aspect, an embodiment of the present application provides an electronic device, comprising: a memory, a processor;

[0016] The memory stores computer-executable instructions;

[0017] The processor executes the computer-executable instructions stored in the memory, so that the processor executes various possible implementations of the first aspect as described above.

[0018] In a fourth aspect, an embodiment of the present application provides a computer-readable storage medium, in which computer-executable instructions are stored. When the computer-executable instructions are executed by a processor, they are used to implement various possible implementations of the first aspect above.

[0019] In a fifth aspect, an embodiment of the present application provides a computer program product, including a computer program, which, when executed by a processor, implements various possible implementation methods of the first aspect above.

[0020] The present application provides a method, apparatus, device, storage medium, and product for processing credit card application data. The method comprises: obtaining a target user's corresponding profile category and credit card application grade in response to a credit card application request received from a credit card application client; generating a smart form based on the profile category; obtaining the target user's corresponding credit score in response to confirming that the information in the smart form is correct; determining an approval process for the smart form based on the profile category, credit card application grade, and credit score; approving the smart form based on the approval process to obtain an approval result corresponding to the smart form, and sending the approval result corresponding to the smart form to the credit card application client; and indicating whether a credit card should be issued to the target user. Therefore, by quickly generating smart forms based on different profile categories, the speed of manually filling out smart forms can be reduced, the process of filling out forms when applying for a credit card can be simplified, and the speed of quickly entering the smart form approval stage can be accelerated. The method further comprises determining the approval process corresponding to the smart form based on the profile category, credit card application grade, and credit score. The method further comprises: analyzing different profile categories, credit card application grades, and credit scores to quickly determine the approval process corresponding to the smart form, thereby quickly determining the approval result based on the determined approval process corresponding to the smart form, thereby improving the speed of credit card application approval. BRIEF DESCRIPTION OF THE DRAWINGS

[0021] The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the application and, together with the specification, serve to explain the principles of the application.

[0022] Figure 1 A diagram of an application scenario of the method for processing credit card application data provided in an embodiment of the present application;

[0023] Figure 2 This is a flow chart of a method for processing credit card application data provided in one embodiment of the present application;

[0024] Figure 3 A flowchart of a method for processing credit card application data provided in another embodiment of the present application;

[0025] Figure 4 A schematic diagram of the structure of a device for processing credit card application data provided in one embodiment of the present application;

[0026] Figure 5 A schematic diagram of the structure of an electronic device provided in one embodiment of the present application.

[0027] The above drawings illustrate specific embodiments of the present application, which will be described in more detail below. These drawings and the textual description are not intended to limit the scope of the present application in any way, but rather to illustrate the concepts of the present application to those skilled in the art by reference to specific embodiments. DETAILED DESCRIPTION

[0028] Exemplary embodiments are described in detail herein, with examples illustrated in the accompanying drawings. In the following description, when referring to the drawings, identical numerals in different figures represent identical or similar elements, unless otherwise indicated. The embodiments described in the following exemplary embodiments are not intended to represent all embodiments consistent with the present application. Rather, they are merely examples of apparatus and methods consistent with certain aspects of the present application, as detailed in the appended claims.

[0029] It should be noted that the user information (including but not limited to user device information, user personal information, etc.) and data (including but not limited to data used for analysis, stored data, displayed data, etc.) involved in this application are all information and data authorized by the user or fully authorized by all parties, and the collection, storage, use, processing, transmission, provision, disclosure and application of the relevant data comply with the relevant laws, regulations and standards of the relevant countries and regions, take necessary confidentiality measures, do not violate public order and good morals, and provide corresponding operation entrances for users to choose to authorize or refuse.

[0030] In addition, this application involves conducting big data analysis of user information (including but not limited to personal biometrics, identity data, consumption data, asset data, electronic terminal operation data, etc.), and using artificial intelligence technology to make automated decisions, and making technical solutions that have a significant impact on personal rights and interests based on the results of automated decisions. The application provides users with corresponding operation entrances for them to choose to agree or reject the results of automated decisions; if the user chooses to reject, the expert decision-making process will be entered.

[0031] It should be noted that the methods, devices, equipment, storage media and products for processing credit card application data provided in this application can be used in the field of financial technology, and can also be used in any field other than financial technology. The application fields of the methods, devices, equipment, storage media and program products for processing credit card application data in this application are not limited.

[0032] First, let’s explain the names involved in this application:

[0033] Credit enhancement: refers to a method of increasing the credit of credit card applicants in some way to improve the credibility of credit card application commissions. For example, in the case of authorization information of credit card applicants, credit enhancement can be performed by adding proof of income, proof of assets, proof of work, academic certificates, letters of recommendation, etc.

[0034] Face-to-face interview: During the credit card application process, staff conduct face-to-face authentication and signature confirmation with the applicant to approve the credit card. During the interview, staff will verify the applicant's ID, income, and occupation documents to ensure the authenticity and accuracy of the applicant's information.

[0035] In order to clearly understand the technical solution of the present application, the solution of the prior art is first introduced in detail.

[0036] Currently, the credit card approval process typically involves multiple steps. First, the user fills out and submits an electronic application form. Then, the user's identity information is verified manually or through intelligent verification. After identity verification, users who do not meet the application requirements are screened out according to pre-set credit card approval criteria. For example, if the applicant is under 18 or their actual income is below the minimum income standard, the application will be rejected. After preliminary approval, those who pass the preliminary approval can, with the user's authorization, access a third-party credit reporting platform for credit inquiries and risk assessments. After the credit and risk assessments are approved, a loan limit is calculated based on the user's income and credit score to determine whether the credit card they applied for is suitable for them. Finally, after manual review and final approval, different applicants are automatically assigned to risk control specialists at different levels. Related data (such as credit reports and historical approval records) is provided, and a video or in-person interview is conducted to verify the authenticity of the user's identity and other information. The risk control specialists combine system recommendations with human experience to make the final approval decision, which can be either approved, rejected, or conditionally approved. Based on these approval results, the credit card is then issued. Among them, there are often delays in the transmission of approval information and manual operation errors between each step, which leads to a longer entire approval cycle. Therefore, an efficient credit card approval process is needed to speed up the approval of credit card applications.

[0037] Therefore, in the face of existing technical problems, in order to improve the speed of credit card approval, the various environments in the entire credit card application process can be simplified, and the data in the form can be intelligently filled in in advance based on the existing user information. Therefore, when receiving the credit card application request sent by the credit card application client, the corresponding file category of the target user can be obtained first. According to different file categories, a smart form can be quickly generated to simplify the process of filling out the credit card application; furthermore, after the smart form is generated, the smart form approval process can be quickly entered. In order to quickly approve the generated smart form, different approval processes can be set according to different target user situations for credit card approval. According to the file category, the target user's credit card data storage situation in the corresponding financial institution can be identified. The credit card application level represents the level of the credit card amount that the target user needs to apply for. The credit score is an evaluation score of the target user's credit situation. Therefore, in order to more accurately and quickly determine the approval process, the approval process corresponding to the smart form can be determined based on the file category, credit card application level and credit score. Therefore, it is possible to reasonably determine a more appropriate approval process for the credit card applied for by the target user, thereby improving the efficiency of credit card approval when making a credit card application.

[0038] Figure 1 An application scenario diagram of the method for processing credit card application data provided in the embodiment of the present application, such as Figure 1 The specific application scenario of this application may include a credit card application client 101, a server 102, and a database 103; wherein the server 102 is in communication with the credit card application client 101 and the database 103 respectively.

[0039] Specifically, the credit card application client 101 sends a credit card application request to the server 102; the credit card application request may include the name of the target user; after receiving the credit card application request, the server 102 sends a data acquisition request to the database 103, and the above data acquisition request may include: the name of the target user; the database 103 obtains the file category and credit card application level corresponding to the target user according to the name of the target user, and sends it to the server 102; after receiving the file category and credit card application level corresponding to the target user, the server 102 generates a smart form according to the file category; in response to the confirmation that the information in the smart form is correct, the credit score corresponding to the target user is obtained, and the approval process corresponding to the smart form is determined based on the file category, credit card application level and credit score; the smart form is approved based on the approval process to obtain the approval result corresponding to the smart form; the server 102 sends the approval result to the credit card application client 101, and the approval result is used to indicate whether a credit card is issued to the target user; therefore, when applying for a target credit card, the smart form can be efficiently approved, and the credit card application approval result can be quickly obtained.

[0040] The following specific embodiments illustrate in detail the technical solution of the present application and how the technical solution of the present application solves the above-mentioned technical problems. The following specific embodiments can be combined with each other, and the same or similar concepts or processes may not be repeated in some embodiments. The embodiments of the present application will be described below in conjunction with the accompanying drawings.

[0041] The following specific embodiments illustrate in detail the technical solution of the present application and how the technical solution of the present application solves the above-mentioned technical problems. The following specific embodiments can be combined with each other, and the same or similar concepts or processes may not be repeated in some embodiments. The embodiments of the present application will be described below in conjunction with the accompanying drawings.

[0042] Figure 2 This is a flow chart of a method for processing credit card application data provided in one embodiment of the present application. Figure 2 As shown, the execution subject of this embodiment is a device for processing credit card application data. This device can be implemented by a computer program; it can also be implemented by a medium storing the relevant computer program, such as a USB flash drive and / or optical disk, or it can also be implemented by a physical device integrated or installed with the relevant computer program, such as a chip or a credit card application data processing device. The credit card application data processing device can be a server, server cluster, or other electronic device. The credit card application data processing method provided in this embodiment includes the following steps:

[0043] S201: In response to receiving a credit card application request sent by a credit card application client, obtain the file category and credit card application level corresponding to the target user.

[0044] Among them, target users refer to users who apply for credit cards.

[0045] Among them, the filing category refers to the level divided according to the credit card application data stored by the target user in the financial institution; optionally, the filing category of the target user who has applied for a credit card and stored credit card application data in the financial institution can be divided into the first-level filing category; the filing category of the target user who has not applied for a credit card in the financial institution but has other financial business storage data can be divided into the second-level filing category; the filing category corresponding to the target user who does not have any stored data in the financial institution can be set to the third-level filing category.

[0046] The credit card application level refers to a level set based on different credit limits. For example, a credit limit of RMB 10,000 or less can be set as a first-level credit card application level; a credit limit between RMB 10,000 and RMB 50,000 can be set as a second-level credit card application level; and a credit limit of RMB 50,000 or more can be set as a third-level credit card application level. Credit card application levels can also be set based on other amount ranges, which are not limited in this embodiment. The credit limit is the preset credit limit supported by the credit card.

[0047] Specifically, when the target user has a credit card application need, the target user can enter the credit card application interface in the credit card application client and select the type of credit card to be applied for on the credit card application interface. After the target user has selected the credit card application type, the target user can click the confirm application button and send a credit card application request to the server used for credit card application data processing, and carry the type of credit card to be applied for and the target user name; after the server receives the credit card application request sent by the credit card application client, it can first query the corresponding credit card application level according to the credit card type; then query the historical credit card application data storage table to query whether there is a user name identical to the target user name. If so, it is determined that the corresponding file category of the target user is a first-level file category; if not, it can query the historical business processing data storage table to query whether there is a user name identical to the target user name. If so, it is determined that the corresponding file category of the target user is a second-level file category; if not, it is determined that the corresponding file category of the target user is a third-level file category.

[0048] The historical credit card application data storage table is a table used to store credit card application data before the current moment.

[0049] Among them, the historical business processing data storage table is a table used to store financial business related data before the current moment when storing financial business other than credit card application data.

[0050] S202: Generate an intelligent form based on the file creation category.

[0051] The smart form is an automatically created form for collecting credit card application data from target users. If the user authorizes the addition of personal information, the smart form can include multiple fields, such as name, mobile phone number, age, mailing address, educational background, employment information, tax records, salary records, property number and information, vehicle information, and consumption flow information. Other fields may also be included, which are not specifically limited in this embodiment.

[0052] Specifically, if it is a first-level filing category, you can obtain the items to be filled in the smart form and obtain the data of the corresponding items to be filled in from the historical credit card application data storage table, so as to generate a smart form with filled in data; if it is a second-level filing category, you can obtain the items to be filled in the smart form and obtain the data of the corresponding items to be filled in from the historical business processing data storage table. Since the historical business processing data storage table may not completely include all the items to be filled in, you can generate a smart form with partially filled in data; if it is a third-level filing category, it indicates that the corresponding financial business processing data is not stored in the financial institution, so a smart form without any data filled in is generated.

[0053] S203: In response to confirmation that the information in the smart form is correct, the credit score corresponding to the target user is obtained, and the approval process corresponding to the smart form is determined based on the file type, credit card application level and credit score.

[0054] The credit score is a score calculated based on the target user's loan repayment performance according to preset scoring rules. The preset scoring rules are set based on demand. Target users who repay on time or early will have higher credit scores, while those who repay overdue will have lower credit scores. Optionally, the credit score is based on data recorded after each repayment and can be pre-stored in a credit score record table. If the credit score record table does not store the corresponding target user's information, the credit score record table can be defaulted to a preset minimum value, illustratively, 0.

[0055] Specifically, after the smart form is generated, it is sent to the credit card application client. The target user verifies the correctness of the entries in the smart form within the client, corrects any incorrect entries, and supplements any missing entries. After confirming the correctness of the smart form information, the user sends a confirmation message to the server. After the server receives the target user's smart form information and confirms that it is correct, it retrieves the credit score corresponding to the target user name from the credit score record table based on the target user name. The server then determines the approval process corresponding to the smart form based on the profile category, credit card application level, and credit score.

[0056] Among them, the approval process may include: an automated approval process, an automated approval process and a single manual review and approval method, and an automated approval process and multiple manual review and approval methods; it can also be other methods, which are not specifically limited in this embodiment.

[0057] Optionally, the target users who are in the first-level filing category, whose credit card application level is the first-level application level and whose credit score is relatively high, for example, the target users whose credit score is over 90 points, can be set to an automated approval process; the target users who are in the first-level filing category, whose credit card application level is the second-level application level and whose credit score is relatively high, for example, the target users whose credit score is over 90 points, or the target users who are in the second-level filing category, whose credit card application level is the first-level application level and whose credit score is relatively high, for example, the users whose credit score is over 90 points, can be set to an automated approval process and a single manual review and approval; the target users whose credit card application level is the third-level application level or the third-level filing category or whose credit score is lower than 90 points, or the target users who are in the second-level filing category, whose credit card application level is the second-level application level, can be set to an automated approval process and multiple manual reviews and approvals.

[0058] It can be understood that when the file creation category is the first level, it indicates that the target user is a user who has already applied for a credit card at the financial institution that currently applies for the credit card; when the credit card application level is the first level, it indicates that the maximum loan amount supported by the credit card applied for by the target user is relatively low; when the credit score is high, it indicates that the target user is a user with a high record of timely or early repayment at the financial institution that currently applies for the credit card. Based on the above file creation category, credit card application level and credit score, the simplest and fastest approval process can be used; after confirming the smart form, the information in the smart form is checked by the pre-executed automated approval process. If it is confirmed that the information in the smart form is correct and there are no credit issues, the approval result can be issued as consent. Therefore, different approval process and approval rules can be set according to different file creation categories, credit card application levels and credit scores. In this embodiment, no specific limitation is made.

[0059] S204: Approve the smart form based on the approval process to obtain an approval result corresponding to the smart form, and send the approval result corresponding to the smart form to the credit card application client; the approval result is used to indicate whether to issue a credit card to the target user.

[0060] Specifically, if the target user's approval process is an automated approval process, the automated approval process can sequentially approve the smart form according to the corresponding execution procedure, obtain the approval results of the credit card application approved by the automated approval process, and send the approval results to the credit card application client. If an approval is rejected, the subsequent approval process is immediately stopped, and the rejection is recorded as the approval result of the credit card application.

[0061] Specifically, when the target user's approval process is identified as an automated approval process with a single manual review and approval, the automated approval process can first approve the smart form in sequence according to the corresponding execution procedure and generate an approval record. If the automated approval process approves according to the corresponding execution procedure, the approval record and the smart form can be sent to the manual review and approval node for approval by the corresponding staff member. The approval result of the corresponding staff member can be used as the approval result of the credit card application and sent to the credit card application client. In addition, if there is an approval failure, the approval is stopped immediately and the approval failure is used as the approval result of the credit card application.

[0062] Specifically, when the approval process and automated approval process for the target user and the method of multiple manual review and approval are obtained; the automated approval process can first approve the smart form in sequence according to the corresponding execution procedure and generate an approval record. If the approval result of the automated approval process after following the corresponding execution procedure is passed, the approval record and the smart form will be sent to the first manual review and approval node, and the corresponding staff will approve it based on the approval record and the smart form; until it is sent to the last manual review and approval node; the approval result of the last staff member can be used as the approval result of the credit card application; among them, when there is an approval failure, the approval will be stopped in time, and the approval failure will be used as the approval result of the credit card application.

[0063] Specifically, after the approval is completed according to the approval process, the approval result of the credit card application corresponding to the smart form is sent to the credit card application client; when the target user views the approval result as rejected, it means that the credit card will not be issued; when the target user views the approval result as passed, it means that the credit card will be issued.

[0064] The method for processing credit card application data provided in this embodiment includes: in response to receiving a credit card application request sent by a credit card application client, obtaining a profile category and credit card application level corresponding to a target user; generating a smart form based on the profile category; in response to confirming that the information in the smart form is correct, obtaining a credit score corresponding to the target user; determining an approval process corresponding to the smart form based on the profile category, credit card application level, and credit score; approving the smart form based on the approval process to obtain an approval result corresponding to the smart form, and transmitting the approval result corresponding to the smart form to the credit card application client; the approval result is used to indicate whether a credit card is issued to the target user. Therefore, by quickly generating smart forms based on different profile categories, the speed of manually filling out smart forms can be reduced, the process of filling out the form during credit card application is simplified, and the speed of quickly entering the smart form approval stage is accelerated; then, the approval process corresponding to the smart form is determined based on the profile category, credit card application level, and credit score; the approval process corresponding to the smart form can be quickly determined by analyzing different profile categories, credit card application levels, and credit scores, and the approval result can be quickly determined based on the approval process determined for the smart form, thereby improving the speed of credit card application approval.

[0065] Optionally, the filing categories include: first-level filing categories, second-level filing categories and third-level filing categories; smart forms include: first-level smart forms, second-level smart forms and third-level smart forms; generating smart forms according to the filing categories includes: if the filing category corresponding to the current target user is the first-level filing category, then obtaining the historical credit card application data corresponding to the target user, and generating a first-level smart form based on the historical credit card application data, and the first-level smart form is a form with completed data input; if the filing category corresponding to the current target user is the second-level filing category, then obtaining the historical business data corresponding to the target user, and generating a second-level smart form based on the historical business data, and the second-level smart form is a form with partially completed data input; if the filing category corresponding to the current target user is the third-level filing category, then generating a third-level smart form, and the third-level smart form is a form with no data entered.

[0066] Specifically, if the file category corresponding to the current target user is a first-level file category, the mobile phone number, age, mailing address, educational information, work information, tax records, salary income records, property number and property information, vehicle information, and consumption flow information are obtained from the historical credit card application data storage table in sequence; and the above information can be filled in with the corresponding data at the corresponding position of the item to be filled in by matching the keywords corresponding to the item to be filled in; illustratively, if the keyword corresponding to the item to be filled in is a mobile phone number, the obtained mobile phone number is filled in the item to be filled in corresponding to the mobile phone number; the form with all the data filled in for the above items to be filled in can be used as a first-level smart form; it can also be implemented as matching data for the item to be filled in through element positioning and other methods, which is not specifically limited in this embodiment.

[0067] Specifically, if the filing category corresponding to the current target user is a secondary filing category, the corresponding historical business data is obtained from the historical business processing data storage table in turn, and then the mobile phone number, age, mailing address, educational information, work information, tax records, salary income records, property number and property information, vehicle information, and consumption flow information are obtained from the historical business data; if all of the above corresponding data can be obtained, all of the above corresponding data can be filled in the corresponding item to be filled in position by matching the keywords corresponding to the item to be filled in; if all of the above corresponding data cannot be obtained, part of the above corresponding data can be filled in the corresponding item to be filled in position by matching the keywords corresponding to the item to be filled in; the form with partially filled data for the above item to be filled in can be used as a secondary smart form.

[0068] Specifically, if the filing category corresponding to the current target user is a third-level filing category, indicating that no data related to the financial business of the target user is stored, a form with unfilled items to be filled in is generated; the above-generated form with unfilled items to be filled in is used as a third-level smart form.

[0069] If the file category corresponding to the current target user is a first-level file category, the historical credit card application data corresponding to the target user is obtained, and a first-level smart form is generated based on the historical credit card application data. The first-level smart form is a form with completed data input; if the file category corresponding to the current target user is a second-level file category, the historical business data corresponding to the target user is obtained, and a second-level smart form is generated based on the historical business data. The second-level smart form is a form with partially completed data input; if the file category corresponding to the current target user is a third-level file category, a third-level smart form is generated. The third-level smart form is a form with no data entered; automatically generating forms according to different file categories saves the target user's time in filling out forms when applying for a credit card, and also reduces errors in manually filling out information, which may result in failure to enter the approval stage in time or approval of erroneous information when entering the approval process, leading to misapproval; therefore, the solution of this embodiment speeds up the process of quickly entering the approval stage, and also reduces the error rate of filling out approval information, and can improve approval efficiency from the initial stage of credit card application approval.

[0070] Optionally, the credit card application levels include: first-level application level, second-level application level and third-level application level; the approval process corresponding to the smart form includes: first-level approval process, second-level approval process and third-level approval process; the approval process corresponding to the smart form is determined based on the file category, credit card application level and credit score, including: if the file category corresponding to the target user is the first-level file category, the credit card application level corresponding to the target user is the first-level application level and the credit score corresponding to the target user is greater than or equal to the preset credit score threshold, then the approval process corresponding to the smart form is determined to be the first-level approval process; if the credit score corresponding to the target user is greater than or equal to If the credit score threshold is preset, the credit card application level corresponding to the target user is the second-level application level, and the file category corresponding to the target user is the first-level file category or the second-level file category, then the approval process corresponding to the smart form is determined to be the second-level approval process; if the credit score corresponding to the target user is less than the preset credit score threshold; or, the file category corresponding to the target user is the third-level file category; or, the credit card application level corresponding to the target user is the third-level application level; or, the credit card application level corresponding to the target user is the second-level application level and the file category corresponding to the target user is the second-level file category; then the approval process corresponding to the smart form is determined to be the third-level approval process.

[0071] The preset reputation score threshold is a preset threshold used to determine whether the reputation score corresponding to the target user is a high score. It can be set according to needs and is not specifically limited in this embodiment. For example, it can be set to 90.

[0072] Among them, the first-level approval process refers to the approval process executed through an automated approval procedure. It is the simplest approval process and also the fastest approval process.

[0073] Among them, the secondary approval process refers to the approval process executed through automated approval procedures and single manual review and approval. The secondary approval process is slower than the primary approval process and faster than the tertiary approval process.

[0074] Among them, the three-level approval process refers to the approval process implemented through automated approval procedures and multiple manual review and approval. It is the most complicated approval process and the slowest approval process.

[0075] Among them, the first-level application level refers to the level with the lowest application loan amount supported by the corresponding credit card.

[0076] Among them, the third-level application level refers to the level with the largest application loan amount supported by the corresponding credit card.

[0077] Among them, the second-level application level is between the first-level application level and the third-level application level.

[0078] Specifically, if the target user's file category is a first-level file category, the target user's corresponding credit card application level is a first-level application level, and the target user's corresponding credit score is greater than or equal to the preset credit score threshold, it indicates that the target user is a user who can repay the historical loans of the financial institution on time and the loan amount supported by the credit card applied for is relatively low. The smart form corresponding to the target user can be executed into a first-level approval process to quickly complete the approval of the target user's credit card application.

[0079] Specifically, when the credit score corresponding to the target user is greater than or equal to the preset credit score threshold, the credit card application level corresponding to the target user is the second-level application level, and the file category corresponding to the target user is the first-level file category or the second-level file category, it indicates that the target user is a user with a high credit score when handling financial business in a financial institution in the past, and the credit limit supported by the credit card he / she applies for is lower than the loan limit supported by the credit card corresponding to the third-level application level, and the credit limit supported by the credit card he / she applies for is higher than the loan limit supported by the credit card corresponding to the first-level application level; for the above-mentioned users with higher credit scores, the manual review process can be appropriately reduced, so the smart form corresponding to the target user can be executed into the second-level approval process to quickly complete the approval of the target user's credit card application.

[0080] Specifically, when the credibility score corresponding to the target user is less than the preset credibility score threshold, it indicates that the target user has a low credibility when handling financial business in the past or the target user has not handled financial business in the current financial institution, so the most stringent approval process needs to be executed, and the smart form corresponding to the target user can execute a three-level approval process.

[0081] Specifically, when the target user's corresponding filing category is a third-level filing category, it indicates that the current financial institution has not stored the target user's financial business data, further indicating that the user has not conducted financial business at the current financial institution. In order to ensure that the target user can repay the credit card in time after using it, the most stringent approval process needs to be implemented. The smart form corresponding to the target user can execute the third-level approval process.

[0082] Specifically, when the target user's corresponding credit card application level is the third-level application level, the target user needs to borrow a large amount of money. In order to ensure that the target user can repay the loan on time, the most stringent approval process needs to be implemented. The smart form corresponding to the target user can execute the third-level approval process.

[0083] Specifically, when the credit card application level corresponding to the target user is the second-level application level and the file category corresponding to the target user is the second-level file category, it indicates that the target user is a user who has handled other businesses in the current financial institution, but the application limit supported by his credit card application is relatively high. In order to ensure that the second-level file category can repay on time, the most stringent approval process needs to be implemented. The smart form corresponding to the target user can execute the third-level approval process.

[0084] The approval process corresponding to the smart form is determined based on the file category, credit card application level and credit score, including: if the file category corresponding to the target user is a first-level file category, the credit card application level corresponding to the target user is a first-level application level and the credit score corresponding to the target user is greater than or equal to the preset credit score threshold, then the approval process corresponding to the smart form is determined to be a first-level approval process; if the credit score corresponding to the target user is greater than or equal to the preset credit score threshold, the credit card application level corresponding to the target user is a second-level application level and the file category corresponding to the target user is a first-level file category or a second-level file category, then the approval process corresponding to the smart form is determined to be a second-level approval process; if the credit score corresponding to the target user is less than the preset credit score threshold; or, the file category corresponding to the target user is a third-level file category; or, the credit card application level corresponding to the target user is a third-level application level; or, the credit card application level corresponding to the target user is a second-level application level and the file category corresponding to the target user is a second-level file category; then the approval process corresponding to the smart form is determined to be a third-level approval process. Determining the approval process corresponding to the smart form based on the file category, credit card application level and credit score is an analysis from multiple dimensions to ensure that the approval process of the confirmed smart form is more accurate. Furthermore, matching different approval processes for different file categories, credit card application levels and credit scores is to simplify the approval process for different target users in applying for credit cards, thereby speeding up the approval of credit card applications.

[0085] Optionally, the approval process corresponding to the smart form is a first-level approval process, and the smart form is approved based on the approval process, including: verifying multiple credit assessment indicators based on the approval procedure corresponding to the automated approval process and the input data in the smart form; verifying whether the input data in the entire smart form is real data based on the approval procedure corresponding to the automated approval process and historical credit card application data; determining the verification result based on the verified multiple credit assessment indicators and the authenticity of the verified input data; sending the verification result, and determining the verification result as the credit card application approval result.

[0086] Among them, the credit assessment index refers to the assessment index set for evaluating the credit of the target user, which may include: the loan amount applied for by the target user, whether there is anti-fraud behavior, whether there is credit risk and repayment score, etc.; it can also be other indicators, which are not specifically limited in this embodiment.

[0087] The approval procedure corresponding to the automated approval process refers to the execution program used to automatically verify the settings of the smart form.

[0088] Specifically, the input data in the smart form can be input into the execution program corresponding to the automated approval process, and the approval program corresponding to the automated approval process calculates each credit assessment indicator in turn; then the approval program corresponding to the automated approval process obtains each data of the input data in the smart form respectively, and at the same time, the approval program corresponding to the automated approval process synchronously obtains the data in the historical credit card application data that is the same as the smart form, and confirms whether the data of the input data in the obtained smart form is consistent with the data in the historical credit card application data; if they are consistent, it indicates that the data input in the smart form is real data; if they are inconsistent, it indicates that there is false data in the input data in the smart form.

[0089] The loan amount applied for by the target user refers to the maximum amount that the target user can borrow, which can be a value determined based on the repayment ability of the target user.

[0090] It can be understood that if one of the target user's corresponding loan application amount, whether there is anti-fraud behavior, repayment ability value, whether there is credit risk and repayment score is an abnormal value or there is false data in the input data of the smart form, the verification result can be set to fail; if one of the target user's corresponding loan application amount, whether there is anti-fraud behavior, repayment ability value, whether there is credit risk and repayment score is a normal value or the input data in the smart form are all real data, the verification result can be passed, and the above verification result can be used as the credit card application approval result; optionally, the specific process of judging the abnormal value of the credit assessment indicator can be: when the loan amount supported by the credit card application is greater than the target user's corresponding loan application amount, it indicates that the target user's repayment ability is less than the amount of the credit card application, and there may be a situation where the target user cannot repay in time, then the target user's corresponding loan application amount can be determined as abnormal data to mark the target user's credit status from the perspective of the target user's corresponding loan application amount. If the target user is identified as engaging in anti-fraud behavior, the anti-fraud behavior data may be determined to be abnormal data; if the identified credit risk is that of a user with credit risk, the credit risk data may be determined to be abnormal data; and if the repayment score is less than a preset repayment ability assessment threshold, the credit risk data may be determined to be abnormal data. Alternatively, other methods for determining abnormal data may be used, which are not specifically limited in this embodiment.

[0091] The approval process corresponding to the smart form is a first-level approval process, and the smart form is approved based on the approval process, including: verifying multiple credit assessment indicators based on the approval procedure corresponding to the automated approval process and the input data in the smart form; verifying whether the input data in the entire smart form is real data based on the approval procedure corresponding to the automated approval process and historical credit card application data; determining the verification result based on the verified multiple credit assessment indicators and the authenticity of the verified input data; sending the verification result, and determining the verification result as the credit card application approval result, so that the verification of multiple credit assessment indicators and the input data in the smart form can be quickly and accurately completed through the approval procedure corresponding to the automated approval process, and the verification result can be quickly obtained.

[0092] Optionally, credit assessment indicators include: target application loan amount, anti-fraud behavior status, credit rating and repayment score; input data in the smart form includes: target user's asset data and target user's identity attribute data; multiple credit assessment indicators are verified based on the approval procedure corresponding to the automated approval process and the input data in the smart form, including: obtaining the target user's historical consumption data, using a preset application loan amount prediction algorithm and predicting the target application loan amount based on historical consumption data and asset data; using a preset anti-fraud behavior recognition model and identifying the target user's corresponding anti-fraud behavior status based on historical consumption data and identity attribute data; obtaining the target user's corresponding historical repayment data; using a preset credit rating prediction model and predicting the target user's corresponding credit rating and repayment score based on historical credit card application data, historical repayment data, historical consumption data and asset data.

[0093] The target loan application amount is defined in the same manner as the loan application amount corresponding to the target user, and will not be repeated in this embodiment.

[0094] Among them, the credit rating refers to the user who assesses whether the target user is a person of bad faith.

[0095] Among them, the repayment score refers to the evaluation score value to confirm whether the target user can repay the loan in time.

[0096] Among them, the asset data of the target user refers to data related to the assets of the target user; it can be the target user's salary, water bill payment, provident fund, real estate asset data, locomotive asset data, or other asset data, which is not specifically limited in this embodiment.

[0097] Among them, the identity attribute data of the target user refers to data related to the identity characteristics of the target user, which may include: the target user's mobile phone number, age, communication address, educational information, work information, etc.; it can also be other identity information, which is not specifically limited in this embodiment.

[0098] The target user's historical consumption data refers to the target user's historical consumption data stored by a financial institution or multiple consumption flow data submitted with the target user's authorization. The historical consumption data may include: consumption amount, consumption location, type of store, average consumption amount, daily consumption frequency, etc. It may also be other consumption data, which is not specifically limited in this embodiment.

[0099] Among them, the preset loan application amount prediction algorithm can be a decision tree, a multi-layer perceptron, a recurrent neural network, a clustering algorithm, or other algorithms.

[0100] Specifically, historical consumption data and asset data can be spliced ​​into a row and input into a preset application loan amount prediction algorithm. The preset application loan amount prediction algorithm can extract and analyze the data features in the historical consumption data and asset data, and then predict the target application loan amount corresponding to the target user.

[0101] The anti-fraud behavior status refers to a status value that identifies whether fraud has occurred, such as, for example, group fraud or identity information that does not match the actual identity information. A value of 0 can be preset to indicate the presence of fraud and 1 to indicate the absence of fraud. Other values ​​can also be set to indicate the anti-fraud behavior status, which are not specifically limited in this embodiment.

[0102] Among them, the preset anti-fraud behavior identification model can be a random forest, autoencoder or other models, and it can also be other models, which are not specifically limited in this embodiment.

[0103] Specifically, historical consumption data and identity attribute data can be spliced ​​into a row and input into a preset anti-fraud behavior recognition model. The preset anti-fraud behavior recognition model can extract and analyze the data features in the historical consumption data and identity attribute data, and then predict the anti-fraud behavior status corresponding to the target user.

[0104] The historical repayment data refers to the repayment data of the target user during historical borrowing, and may include: repayment time, repayment evaluation mark, repayment amount, and the number of repayments for the same loan. The repayment evaluation mark refers to a mark set based on the timeliness of the target user's repayments, which may be set to 0 for early repayment, 1 for on-time repayment, and 2 for overdue repayment. Other marks may also be set, which are not specifically limited in this embodiment. The historical repayment data may be payment records saved after credit card payments and repayments processed by a financial institution with the target user's authorization, or payment and repayment data from a third-party institution authorized by the target user.

[0105] Among them, the preset credit rating prediction model can be a graph neural network model, a multi-task learning model, etc.

[0106] Specifically, historical credit card application data, historical repayment data, historical consumption data and asset data can be spliced ​​into a row and input into a preset credit rating prediction model. The preset credit rating prediction model can extract and analyze the data features in the historical credit card application data, historical repayment data, historical consumption data and asset data, and then predict the credit rating and repayment score corresponding to the target user.

[0107] In this application, the method of verifying the above-mentioned multiple credit assessment indicators based on the approval procedures corresponding to the automated approval process and the input data in the smart form are all the above-mentioned description methods, and will not be repeated later.

[0108] Credit assessment indicators include: target application loan amount, anti-fraud behavior status, credit rating, and repayment score; input data in the smart form includes: target user's asset data and target user's identity attribute data. Based on the approval process corresponding to the automated approval process and the input data in the smart form, multiple credit assessment indicators are verified, including: obtaining the target user's historical consumption data, using a preset application loan amount prediction algorithm based on historical consumption data and asset data to predict the target application loan amount; using a preset anti-fraud behavior recognition model based on historical consumption data and identity attribute data to identify the target user's corresponding anti-fraud behavior status; obtaining the target user's corresponding historical repayment data; and using a preset credit rating prediction model based on historical credit card application data, historical repayment data, historical consumption data, and asset data to predict the target user's corresponding credit rating and repayment score. Based on each model and combined with relevant data, each credit assessment indicator is predicted sequentially, simplifying manual review time. Furthermore, confirming the target application loan amount, anti-fraud behavior status, credit rating, and repayment score automatically completes the actual financial business process of credit limit calculation, anti-fraud review, credit review, and risk review, thereby saving time for smart form approval through automation.

[0109] Optionally, the input data in the smart form includes: identity attribute data of the target user; based on the approval procedure corresponding to the automated approval process and historical credit card application data, verify whether the input data in the entire smart form is real data, including: verifying whether the identity attribute data is consistent with the identity attribute data in the historical credit card application data.

[0110] Specifically, you can first obtain the target user's mobile phone number, age, mailing address, educational information and work information; then obtain the target user's corresponding mobile phone number, age, mailing address, educational information and work information from the historical credit card application data; then compare the same data information. If the comparison results are the same, it indicates that the verified identity attribute data is the same as the identity attribute data in the historical credit card application data; if one comparison result is different, it indicates that the verified identity attribute data is different from the identity attribute data in the historical credit card application data.

[0111] The data entered into the smart form includes the target user's identity attribute data. Based on the approval procedures corresponding to the automated approval process and historical credit card application data, the data entered into the smart form is verified to be authentic, including verifying that the identity attribute data is consistent with the identity attribute data in the historical credit card application data. Identity data is fixed and can be verified directly against the saved historical credit card application data, eliminating the need for manual verification or complex means. This allows for quick and convenient verification of identity attribute data, further accelerating the approval process.

[0112] Optionally, the approval process corresponding to the smart form is a secondary approval process, and the smart form is approved based on the approval process, including: verifying multiple credit assessment indicators based on the approval procedure corresponding to the automated approval process and the input data in the smart form, and determining the verification result based on the verification of multiple credit assessment indicators; in response to the verification result being passed, establishing a call follow-up approval task between the first staff member and the target user, and receiving the approval result corresponding to the call follow-up approval task; and determining the approval result as the credit card application approval result.

[0113] Among them, the first staff member refers to the staff member who performs the call follow-up approval task.

[0114] A call-back approval task involves conducting a credit card approval process via a phone call or in-person interview. This task can begin by verifying the target user's identity attributes through questioning to ensure their authenticity. The task then reviews the approval records from the previous phase, identifies any remaining issues related to credit assessment criteria, and ultimately determines the approval outcome based on the target user's responses.

[0115] Specifically, first, the approval procedure corresponding to the automated approval process and the input data in the smart form can be used to verify multiple credit assessment indicators, and the verification result can be determined based on the verification of the multiple credit assessment indicators; if the verification result is failure, the approval process is terminated and a failure approval is sent to the credit card application client; if the verification result is success, a call follow-up approval task between the first staff member and the target user is established, and an approval record after executing the approval procedure corresponding to the automated approval process is sent to the client of the first staff member. After receiving the call follow-up approval task with the target user, the first staff member checks the approval record and confirms the questions to be asked to the customer based on the approval record, establishes a call contact with the target user, and then further verifies the authenticity of the target user's identity attribute data and whether there are any abnormalities in the credit assessment indicators through telephone communication; if the identity attribute data of the target user are verified to be true data and there are no abnormalities in the credit assessment indicators, it indicates that the credit card application approval result is passed, and the credit card application approval result is sent to the server; if the identity attribute data of the target user are verified to be false or there is an abnormality in the credit assessment indicators, it indicates that the credit card application approval result is failure, and the credit card application approval result is sent to the server.

[0116] The approval process corresponding to the smart form is a secondary approval process. This process involves verifying multiple credit assessment indicators based on the approval procedures corresponding to the automated approval process and the input data in the smart form, and determining the verification result based on the verification of multiple credit assessment indicators. If the verification result is positive, a call follow-up approval task is established between the first staff member and the target user, and the approval result corresponding to the call follow-up approval task is received. The approval result is then determined as the credit card application approval result. This secondary approval process utilizes both automated and manual approval results, enabling rapid approval of smart forms.

[0117] Optionally, the approval process corresponding to the smart form is a three-level approval process, and the smart form is approved based on the approval process, including: verifying multiple credit assessment indicators based on the approval procedure corresponding to the automated approval process and the input data in the smart form, and determining the verification result based on verifying the multiple credit assessment indicators; in response to the verification result being passed, creating a credit card face-to-face approval task corresponding to the second staff member and the target user, and receiving the approval result corresponding to the credit card face-to-face approval task; in response to the approval result being passed, creating a review task for all credit card approval data, and receiving the review result corresponding to the review task for all credit card approval data; and determining the review result as the credit card application approval result.

[0118] Among them, the second staff member refers to the staff who performs the credit card face-to-face approval task.

[0119] Among them, the credit card face-to-face approval task refers to the task of conducting smart form approval through video or on-site. Optionally, the credit card face-to-face approval task can be a second staff member who conducts a video or in-person contract signing with the target user. The specific process is as follows: the second staff member can confirm whether the actual portrait of the target user is consistent with the image of the uploaded ID document, and then verify whether the name, age and other information are consistent with the ID document; the second staff member further photographs the applicant's face and confirms with the target user whether other credit enhancement materials that can guarantee personal credit can be supplemented. If so, the target user will upload the supplement; if not, no supplement is required; simultaneously check whether the identity attribute data of other target users is consistent with the data in the historical credit card application data storage table, and inquire and confirm any questionable data; finally, check the obtained credit assessment indicators and confirm the questionable credit assessment indicators with the target user.

[0120] Specifically, multiple credit assessment indicators can be verified based on the approval procedures corresponding to the above-mentioned automated approval process and the input data in the smart form. If there are abnormal credit assessment indicators in the verification results, the verification result is determined to be failed, and the credit card application approval result is not passed to the credit card application client; if there are no abnormal credit assessment indicators in the verification results, the verification result is determined to be passed, and a credit card face-to-face approval task corresponding to the second staff member and the target user can be created, and the credit card face-to-face approval task corresponding to the target user and the approval record of the automated approval process can be pushed to the client corresponding to the second staff member. The second staff member can confirm the problem with the questionable credit assessment indicator based on the approval record, and establish a video call or on-site face-to-face interview with the target user; the above-mentioned credit card face-to-face interview is executed during the video pass or face-to-face interview. The specific process of the approval task is that if the second staff member’s feedback is failure, the credit card application approval result to the credit card application client will be failure; if the feedback approval result is success, a review task for all credit card approval data can be created, and the task can be assigned to senior staff, and the review task for all credit card approval data, the approval records of the automated approval process and the approval records of the second staff member can be pushed to the senior staff; the senior staff can review and analyze all credit card approval data, the approval records of the automated approval process and the approval records of the second staff member based on their review experience. If the senior staff member feedback is success, success will be used as the credit card application approval result, and an instruction will be given to the target user; if the senior staff member feedback is failure, failure will be used as the credit card application approval result.

[0121] The approval process corresponding to the smart form is a three-level approval process, and the smart form is approved based on the approval process, including: verifying multiple credit assessment indicators based on the approval procedure corresponding to the automated approval process and the input data in the smart form, and determining the verification result based on the verification of multiple credit assessment indicators; in response to the verification result being passed, creating a credit card face-to-face approval task corresponding to the second staff member and the target user, and receiving the approval result corresponding to the credit card face-to-face approval task; in response to the approval result being passed, creating a review task for all credit card approval data, and receiving the review result corresponding to the review task for all credit card approval data; and determining the review result as the credit card application approval result. The combination of manual and automated methods can reduce the manual approval process to improve the efficiency of credit card application approval; multiple manual reviews are performed to ensure that the approval data of the target user is correct, thereby ensuring that the credit card can be issued to the target user accurately.

[0122] Optionally, if credit card application requests are received from multiple credit card application clients, it also includes: determining the credit card application requests sent by each application client as a credit card approval task; determining a thread-based credit card approval execution strategy based on a preset thread execution task number threshold and the number of credit card approval tasks; obtaining the file category and credit card application level corresponding to the target user, including: obtaining the file category and credit card application level corresponding to the target user according to the credit card approval execution strategy.

[0123] The preset thread execution task count threshold refers to the number of credit card approval tasks that a single thread can execute within a preset time. The time it takes a single thread to process a credit card approval task can be calculated, and the preset time divided by the time it takes a single thread to process a credit card approval task and rounded up. The result of the rounding up can be used as the preset thread execution task count threshold. The preset time can be set as needed. To speed up the approval process, a smaller time value can be preset.

[0124] Among them, the thread-based credit card approval execution strategy refers to the execution strategy set for executing different credit card approval tasks. In order to speed up the execution of card approval, it can be divided into a single-threaded credit card approval execution strategy and a multi-threaded parallel execution of credit card approval tasks. It can also be other execution strategies, which are not specifically limited in this embodiment.

[0125] It can be understood that when credit card application requests are received from multiple application clients, it indicates that the smart forms corresponding to the target users applying for multiple credit cards need to be approved. In order to speed up the approval of smart forms, multiple threads can be used to execute the credit card approval task. When executing the approval task of the smart form when applying for a credit card, since the manual approval process takes a certain amount of time, the process of obtaining the file category and credit card application level corresponding to the target user, generating the smart form according to the file category, and then executing the corresponding execution program of the automated approval process can be completed by the thread-based credit card approval execution strategy. The thread-based credit card approval execution strategy can quickly process the acquisition of the file category and credit card application level corresponding to the target user, the generation of the smart form according to the file category, and the execution of the corresponding execution program of the automated approval process in multiple approval tasks in different execution threads, thereby speeding up the acquisition of data and the automated approval process in the credit card approval task.

[0126] If credit card application requests are received from multiple credit card application clients, the method also includes: determining the credit card application requests sent by each application client as a credit card approval task; determining a thread-based credit card approval execution strategy based on a preset thread execution task number threshold and the number of credit card approval tasks; obtaining the file category and credit card application level corresponding to the target user, including: obtaining the file category and credit card application level corresponding to the target user according to the credit card approval execution strategy; wherein, matching different thread-based credit card approval execution strategies with different numbers of credit card approval tasks can save system performance and speed up the processing of credit card approval tasks.

[0127] Optionally, a thread-based credit card approval execution strategy is determined based on a preset thread execution task number threshold and the credit card approval task number, including: if the number of credit card approval tasks is less than or equal to the preset thread execution task number threshold, then a single thread is used to execute each credit card approval task; if the number of credit card approval tasks is greater than the preset thread execution task number threshold, then multiple threads are used to execute each credit card approval task in parallel.

[0128] Specifically, when the number of credit card approval tasks is less than or equal to a preset thread execution task number threshold, it indicates that the number of credit card approval tasks to be executed does not exceed the maximum number of execution tasks that a single thread can handle. Therefore, a thread can be set to execute each task when the number of credit card approval tasks is less than or equal to the preset thread execution task number threshold. When the number of credit card approval tasks is greater than the preset thread execution task number threshold, it indicates that the number of credit card approval tasks to be executed has exceeded the maximum number of execution tasks that a single thread can handle. To speed up the processing of credit card approval tasks, multiple threads can be set to execute each credit card approval task in parallel. Specifically, the number of credit card approval tasks is divided by the preset thread execution task number threshold and rounded down, and the result of the rounding down is used as the number of parallel execution threads. Then, a thread pool can be used to create credit card approval task execution threads according to the number of parallel execution threads. Furthermore, after all credit card approval tasks are grouped according to the preset thread execution task number threshold and stored in a queue, each parallel thread can sequentially retrieve and execute credit card approval tasks from its corresponding queue, thereby achieving rapid processing of credit card approval tasks through multiple parallel threads.

[0129] A thread-based credit card approval execution strategy is determined based on a preset thread execution task threshold and the number of credit card approval tasks. This strategy includes: if the number of credit card approval tasks is less than or equal to the preset thread execution task threshold, each credit card approval task is executed using a single thread; if the number of credit card approval tasks is greater than the preset thread execution task threshold, each credit card approval task is executed in parallel using multiple threads. Therefore, when the number of credit card approval tasks is less than or equal to the preset thread execution task threshold, a single thread can be used to quickly process each credit card approval task in order to conserve system computing resources. When the number of credit card approval tasks is greater than the preset thread execution task threshold, using multiple threads for parallel processing can speed up the processing of large batches of credit card approval tasks, thereby accelerating the credit card application approval process.

[0130] Figure 3 A flowchart of a method for processing credit card application data provided in another embodiment of the present application is shown in FIG. Figure 3 As shown, the method for processing credit card application data provided in this embodiment includes the following steps:

[0131] Step 301: In response to receiving a credit card application request sent by a credit card application client, obtain the file creation category and credit card application level corresponding to the target user; the file creation category includes: first-level file creation category, second-level file creation category and third-level file creation category; the credit card application level includes first-level application level, second-level application level and third-level application level.

[0132] Step 302: Generate a smart form based on the file creation category.

[0133] Step 303: If the target user's corresponding file category is a first-level file category, the target user's corresponding credit card application level is a first-level application level, and the target user's corresponding credit score is greater than or equal to the preset credit score threshold, execute the first-level approval process.

[0134] Step 304: If the credit score corresponding to the target user is greater than or equal to the preset credit score threshold, the credit card application level corresponding to the target user is the second-level application level, and the file category corresponding to the target user is the first-level file category or the second-level file category, then the approval process corresponding to the smart form is determined to be the second-level approval process.

[0135] Step 305: If the credibility score corresponding to the target user is less than the preset credibility score threshold; or, the file category corresponding to the target user is a third-level file category; or, the credit card application level corresponding to the target user is a third-level application level; or, the credit card application level corresponding to the target user is a second-level application level and the file category corresponding to the target user is a second-level file category; then the approval process corresponding to the smart form is determined to be a third-level approval process.

[0136] Step 306: Approve the smart form based on the approval process to obtain an approval result corresponding to the smart form, and send the approval result corresponding to the smart form to the credit card application client; the approval result is used to indicate whether to issue a credit card to the target user.

[0137] In this embodiment, the implementation method and technical effects of steps 301 to 306 are similar to the implementation methods of the corresponding solutions in the above embodiments, and will not be repeated here.

[0138] Figure 4 This is a schematic diagram of the structure of a credit card application data processing device according to one embodiment of the present application. The credit card application data processing device according to this embodiment is located within a credit card application data processing device. The credit card application data processing device 40 according to this embodiment includes an acquisition module 41, a generation module 42, a determination module 43, and an approval module 44.

[0139] An acquisition module 41 is configured to acquire the profile category and credit card application level corresponding to the target user in response to receiving a credit card application request sent by the credit card application client;

[0140] A generation module 42 is used to generate an intelligent form according to the file creation category;

[0141] Determination module 43 is used to obtain the credit score of the target user in response to confirming that the information in the smart form is correct, and determine the approval process corresponding to the smart form based on the file type, credit card application level and credit score;

[0142] The approval module 44 is used to approve the smart form based on the approval process to obtain the approval result corresponding to the smart form and send the approval result corresponding to the smart form to the credit card application client; the approval result is used to indicate whether to issue a credit card to the target user.

[0143] Optionally, the filing categories include: first-level filing categories, second-level filing categories, and third-level filing categories; the smart forms include: first-level smart forms, second-level smart forms, and third-level smart forms.

[0144] Accordingly, when generating the smart form according to the file creation category, the generation module 42 is specifically used to:

[0145] If the filing category corresponding to the current target user is a first-level filing category, the historical credit card application data corresponding to the target user is obtained, and a first-level smart form is generated based on the historical credit card application data. The first-level smart form is a form with completed data input; if the filing category corresponding to the current target user is a second-level filing category, the historical business data corresponding to the target user is obtained, and a second-level smart form is generated based on the historical business data. The second-level smart form is a form with partially completed data input; if the filing category corresponding to the current target user is a third-level filing category, a third-level smart form is generated. The third-level smart form is a form with no data entered.

[0146] Optionally, the credit card application levels include: first-level application level, second-level application level and third-level application level; the approval process corresponding to the smart form includes: first-level approval process, second-level approval process and third-level approval process.

[0147] Accordingly, when determining the approval process corresponding to the smart form based on the file creation category, credit card application level, and credit score, the determination module 43 is specifically configured to:

[0148] If the target user's corresponding file category is a first-level file category, the target user's corresponding credit card application level is a first-level application level, and the target user's corresponding credit score is greater than or equal to the preset credit score threshold, then the approval process corresponding to the smart form is determined to be a first-level approval process; if the target user's corresponding credit score is greater than or equal to the preset credit score threshold, the target user's corresponding credit card application level is a second-level application level, and the target user's corresponding file category is a first-level file category or a second-level file category, then the approval process corresponding to the smart form is determined to be a second-level approval process; if the target user's corresponding credit score is less than the preset credit score threshold; or, the target user's corresponding file category is a third-level file category; or, the target user's corresponding credit card application level is a third-level application level; or, the target user's corresponding credit card application level is a second-level application level and the target user's corresponding file category is a second-level file category; then the approval process corresponding to the smart form is determined to be a third-level approval process.

[0149] Optionally, the approval process corresponding to the smart form is a first-level approval process.

[0150] Accordingly, when approving the smart form based on the approval process, the approval module 44 is specifically used to:

[0151] Verify multiple credit assessment indicators based on the approval procedures corresponding to the automated approval process and the input data in the smart form; verify whether the input data in the entire smart form is real data based on the approval procedures corresponding to the automated approval process and historical credit card application data; determine the verification result based on the verified multiple credit assessment indicators and the authenticity of the verified input data; send the verification result, and determine the verification result as the credit card application approval result.

[0152] Optionally, the credit assessment indicators include: target loan application amount, anti-fraud behavior status, credit rating and repayment score; the input data in the smart form includes: target user's asset data and target user's identity attribute data.

[0153] Accordingly, when verifying multiple credit assessment indicators based on the approval procedures corresponding to the automated approval process and the input data in the smart form, the approval module 42 is specifically configured to:

[0154] Obtain the target user's historical consumption data, use the preset application loan amount prediction algorithm and predict the target application loan amount based on historical consumption data and asset data; use the preset anti-fraud behavior recognition model and identify the target user's corresponding anti-fraud behavior status based on historical consumption data and identity attribute data; obtain the target user's corresponding historical repayment data; use the preset credit rating prediction model and predict the target user's corresponding credit rating and repayment score based on historical credit card application data, historical repayment data, historical consumption data and asset data.

[0155] Optionally, the input data in the smart form includes: identity attribute data of the target user.

[0156] Accordingly, when verifying whether the input data in the entire smart form is authentic based on the approval procedures corresponding to the automated approval process and historical credit card application data, the approval module 42 is specifically configured to:

[0157] Verify whether the identity attribute data is consistent with the identity attribute data in the historical credit card application data.

[0158] Optionally, the approval process corresponding to the smart form is a secondary approval process.

[0159] Accordingly, the approval module 44 is specifically used to:

[0160] Based on the approval procedures corresponding to the automated approval process and the input data in the intelligent form, multiple credit assessment indicators are verified, and the verification results are determined based on the verification of the multiple credit assessment indicators; in response to the verification result being passed, a call follow-up approval task is established between the first staff member and the target user, and the approval result corresponding to the call follow-up approval task is received; the approval result is determined as the credit card application approval result.

[0161] Optionally, the approval process corresponding to the smart form is a three-level approval process.

[0162] Accordingly, when approving the smart form based on the approval process, the approval module 44 is specifically used to:

[0163] Based on the approval procedures corresponding to the automated approval process and the input data in the intelligent form, multiple credit assessment indicators are verified, and the verification results are determined based on the verification of the multiple credit assessment indicators; in response to the verification result being passed, a credit card face-to-face approval task is created between the second staff member and the target user, and the approval result corresponding to the credit card face-to-face approval task is received; in response to the approval result being passed, a review task for all credit card approval data is created, and the review result corresponding to the review task for all credit card approval data is received; the review result is determined as the credit card application approval result.

[0164] Optionally, upon receiving credit card application requests sent by multiple credit card application clients, the determination module 43 is specifically configured to:

[0165] Determine the credit card application requests sent by each application client as credit card approval tasks;

[0166] A thread-based credit card approval execution strategy is determined based on a preset thread execution task number threshold and the number of credit card approval tasks.

[0167] Optionally, when obtaining the profile category and credit card application level corresponding to the target user, the acquisition module 41 is specifically configured to:

[0168] Obtain the target user's corresponding file category and credit card application level according to the credit card approval execution strategy.

[0169] Optionally, when determining the thread-based credit card approval execution strategy based on a preset thread execution task number threshold and the credit card approval task number, the determination module 43 is specifically configured to:

[0170] If the number of credit card approval tasks is less than or equal to the preset thread execution task number threshold, a single thread is used to execute each credit card approval task; if the number of credit card approval tasks is greater than the preset thread execution task number threshold, multiple threads are used to execute each credit card approval task in parallel.

[0171] Figure 5 A schematic diagram of the structure of an electronic device provided in one embodiment of the present application is shown in FIG. Figure 5 As shown, the electronic device 50 provided in this embodiment includes: a processor 51, and a memory 52 in communication with the processor 51. In a specific implementation process, at least one processor 51 executes computer-executable instructions stored in the memory 52, so that at least one processor 51 performs the above method.

[0172] The specific implementation process of the processor 51 can be found in the above method embodiment. Its implementation principle and technical effects are similar and will not be repeated here in this embodiment.

[0173] In the above embodiments, it should be understood that the processor may be a central processing unit (CPU), other general-purpose processors, digital signal processors (DSP), application-specific integrated circuits (ASICs), etc. A general-purpose processor may be a microprocessor or any conventional processor. The steps of the method disclosed in the present invention may be directly executed by a hardware processor or by a combination of hardware and software modules within the processor.

[0174] The memory may include random access memory (RAM) and may also include non-volatile memory (NVM), such as at least one disk storage.

[0175] A bus can be an Industry Standard Architecture (ISA) bus, a Peripheral Component Interconnect (PCI) bus, or an Extended Industry Standard Architecture (EISA) bus. Buses can be categorized as address buses, data buses, and control buses. For ease of illustration, the buses in the drawings of this application are not limited to just one bus or just one type of bus.

[0176] The present application also provides a computer program product, including a computer program, which implements the above method when executed by a processor.

[0177] The present application also provides a computer-readable storage medium, in which computer-executable instructions are stored. When a processor executes the computer-executable instructions, the above method is implemented.

[0178] The readable storage medium may be implemented by any type of volatile or non-volatile memory device, or a combination thereof, such as static random access memory (SRAM), electrically erasable programmable read-only memory (EEPROM), erasable programmable read-only memory (EPROM), programmable read-only memory (PROM), read-only memory (ROM), magnetic storage, flash memory, magnetic disk, or optical disk. The readable storage medium may be any available medium that can be accessed by a general-purpose or special-purpose computer.

[0179] An exemplary readable storage medium is coupled to a processor so that the processor can read information from the readable storage medium and write information to the readable storage medium. Of course, the readable storage medium can also be an integral part of the processor. The processor and the readable storage medium can be located in an application specific integrated circuit (ASIC). Of course, the processor and the readable storage medium can also exist in the device as discrete components.

[0180] The division of units into logical functions is merely a division of logic. In actual implementation, other divisions are possible. For example, multiple units or components may be combined or integrated into another system, or some features may be omitted or not implemented. Furthermore, the coupling or direct coupling or communication connection shown or discussed may be an indirect coupling or communication connection between devices or units through some interface, which may be electrical, mechanical, or other means.

[0181] The units shown as separate components may or may not be physically separate, and the components shown as units may or may not be physical units, that is, they may be located in one place or distributed across multiple network units. Some or all of the units may be selected to achieve the purpose of the solution of this embodiment according to actual needs.

[0182] In addition, each functional unit in each embodiment of the present invention may be integrated into one processing unit, or each unit may exist physically separately, or two or more units may be integrated into one unit.

[0183] If a function is implemented as a software functional unit and sold or used as an independent product, it can be stored in a computer-readable storage medium. Based on this understanding, the technical solution of the present invention, or the portion that contributes to the prior art, or a portion of the technical solution, can be embodied in the form of a software product. This computer software product is stored in a storage medium and includes several instructions for causing a computer device (which can be a personal computer, server, or network device, etc.) to execute all or part of the steps of the various embodiments of the method of the present invention. The aforementioned storage medium includes various media that can store program code, such as USB flash drives, mobile hard drives, read-only memories (ROMs), random access memories (RAMs), magnetic disks, or optical disks.

[0184] Those skilled in the art will appreciate that all or part of the steps in the above-described method embodiments can be implemented using hardware associated with program instructions. The aforementioned program can be stored in a computer-readable storage medium. When executed, the program performs the steps of the above-described method embodiments. The aforementioned storage medium includes various media capable of storing program code, such as ROM, RAM, magnetic disks, or optical disks.

[0185] It should be noted that for the aforementioned method embodiments, for simplicity of description, they are all expressed as a series of action combinations, but those skilled in the art should be aware that this application is not limited by the order of the actions described, because according to this application, certain steps can be performed in other orders or simultaneously. Secondly, those skilled in the art should also be aware that the embodiments described in this book are all optional embodiments, and the actions and modules involved are not necessarily required for this application.

[0186] It should be further noted that, although the various steps in the flowchart are shown in sequence as indicated by the arrows, these steps are not necessarily executed in the order indicated by the arrows. Unless otherwise expressly stated herein, there is no strict order restriction on the execution of these steps, and these steps may be executed in other orders. Moreover, at least a portion of the steps in the flowchart may include multiple sub-steps or multiple stages, and these sub-steps or stages are not necessarily executed at the same time, but may be executed at different times. The execution order of these sub-steps or stages is not necessarily to be carried out in sequence, but may be executed in turn or alternately with other steps or at least a portion of sub-steps or stages of other steps.

[0187] It should be understood that the above-described device embodiments are merely illustrative, and the device of the present application may also be implemented in other ways. For example, the division of units / modules in the above-described embodiments is merely a logical functional division, and actual implementations may employ other division methods. For example, multiple units, modules, or components may be combined or integrated into another system, or some features may be omitted or not implemented.

[0188] In addition, unless otherwise specified, the functional units / modules in the various embodiments of the present application may be integrated into a single unit / module, each unit / module may exist physically separately, or two or more units / modules may be integrated together. The aforementioned integrated units / modules may be implemented in the form of hardware or software program modules.

[0189] If an integrated unit / module is implemented in hardware, the hardware may be digital circuits, analog circuits, etc. The physical implementation of the hardware structure includes, but is not limited to, transistors, memristors, etc. Unless otherwise specified, the processor may be any appropriate hardware processor, such as a CPU, GPU, FPGA, DSP, and ASIC. Unless otherwise specified, the storage unit may be any appropriate magnetic storage medium or magneto-optical storage medium, such as resistive random access memory (RRAM), dynamic random access memory (DRAM), static random access memory (SRAM), enhanced dynamic random access memory (EDRAM), high-bandwidth memory (HBM), hybrid memory cube (HMC), etc.

[0190] If the integrated unit / module is implemented in the form of a software program module and sold or used as an independent product, it can be stored in a computer-readable memory. Based on this understanding, the technical solution of the present application, or the part that contributes to the prior art, or all or part of the technical solution can be embodied in the form of a software product. The computer software product is stored in a memory and includes a number of instructions for enabling a computer device (which can be a personal computer, server, or network device, etc.) to execute all or part of the steps of the various embodiments of the present application. The aforementioned memory includes: U disk, read-only memory (ROM), random access memory (RAM), mobile hard disk, magnetic disk, or optical disk, etc., various media that can store program code.

[0191] In the above embodiments, the description of each embodiment has its own focus. For parts not described in detail in one embodiment, please refer to the relevant description of other embodiments. The technical features of the above embodiments can be combined in any way. To keep the description concise, not all possible combinations of the technical features in the above embodiments are described. However, as long as there is no contradiction in the combination of these technical features, they should be considered to be within the scope of this specification.

[0192] Other embodiments of the present invention will readily occur to those skilled in the art after considering the specification and practicing the invention disclosed herein. This application is intended to cover any variations, uses, or adaptations of the present invention that follow the general principles of this application and include common knowledge or customary techniques in the art not disclosed herein. The specification and examples are to be considered as exemplary only, and the true scope and spirit of the present application are indicated by the following claims.

[0193] It should be understood that the present application is not limited to the exact structure described above and shown in the drawings, and that various modifications and changes may be made without departing from the scope thereof. The scope of the present application is limited only by the appended claims.

Claims

1. A method for processing credit card application data, characterized in that: In response to receiving a credit card application request sent by a credit card application client, obtaining a file creation category and a credit card application level corresponding to the target user; Generate an intelligent form according to the file creation category; In response to confirming that the information in the smart form is correct, obtaining a credit score corresponding to the target user, and determining an approval process corresponding to the smart form based on the profile category, credit card application level, and credit score; The smart form is approved based on the approval process to obtain an approval result corresponding to the smart form, and the approval result corresponding to the smart form is sent to the credit card application client; the approval result is used to indicate whether a credit card is issued to the target user.

2. The method according to claim 1, characterized in that The file creation categories include: first-level file creation categories, second-level file creation categories, and third-level file creation categories; the smart forms include: first-level smart forms, second-level smart forms, and third-level smart forms; Generating a smart form according to the file creation category includes: If the profile category corresponding to the current target user is the first-level profile category, then obtaining the historical credit card application data corresponding to the target user, and generating the first-level smart form based on the historical credit card application data, wherein the first-level smart form is a form with completed data input; If the profile category corresponding to the current target user is the secondary profile category, then the historical business data corresponding to the target user is obtained, and the secondary smart form is generated based on the historical business data. The secondary smart form is a form in which some data input has been completed. If the filing category corresponding to the current target user is the third-level filing category, the third-level smart form is generated, and the third-level smart form is a form without inputting data.

3. The method according to claim 2, characterized in that The credit card application levels include: first-level application level, second-level application level, and third-level application level; the approval process corresponding to the smart form includes: first-level approval process, second-level approval process, and third-level approval process; The process of determining the approval process corresponding to the smart form based on the file creation category, credit card application level, and credit score includes: If the target user's corresponding profile category is the first-level profile category, the target user's corresponding credit card application level is the first-level application level, and the target user's corresponding credibility score is greater than or equal to a preset credibility score threshold, then the approval process corresponding to the smart form is determined to be the first-level approval process; If the credit score corresponding to the target user is greater than or equal to the preset credit score threshold, the credit card application level corresponding to the target user is the second-level application level, and the file category corresponding to the target user is the first-level file category or the second-level file category, then the approval process corresponding to the smart form is determined to be the second-level approval process; If the credibility score corresponding to the target user is less than the preset credibility score threshold; or, the file category corresponding to the target user is the third-level file category; or, the credit card application level corresponding to the target user is the third-level application level; or, the credit card application level corresponding to the target user is the second-level application level and the file category corresponding to the target user is the second-level file category; then it is determined that the approval process corresponding to the smart form is the third-level approval process.

4. The method according to claim 2, characterized in that The approval process corresponding to the smart form is the first-level approval process, and the approval of the smart form based on the approval process includes: Verify multiple credit assessment indicators based on the approval procedures corresponding to the automated approval process and the input data in the smart form; Verify whether the input data in the entire smart form is authentic based on the approval procedure corresponding to the automated approval process and the historical credit card application data; Determining a verification result based on the verified multiple credit assessment indicators and the authenticity of the verified input data; The verification result is sent and determined as the credit card application approval result.

5. The method according to claim 4, characterized in that The credit assessment indicators include: target application loan amount, anti-fraud behavior status, credit rating and repayment score; the input data in the smart form includes: target user's asset data and target user's identity attribute data; The verification of multiple credit assessment indicators based on the approval procedure corresponding to the automated approval process and the input data in the smart form includes: Obtaining the target user's historical consumption data, and using a preset loan application amount prediction algorithm to predict the target loan application amount based on the historical consumption data and the asset data; Using a preset anti-fraud behavior recognition model and based on the historical consumption data and the identity attribute data, identifying the anti-fraud behavior status corresponding to the target user; Obtain historical repayment data corresponding to the target user; use a preset credit rating prediction model and predict the credit rating and repayment score corresponding to the target user based on the historical credit card application data, the historical repayment data, the historical consumption data and the asset data.

6. The method according to claim 4, characterized in that The input data in the smart form includes: identity attribute data of the target user; the verification of whether the input data in the entire smart form is authentic based on the approval procedure corresponding to the automated approval process and the historical credit card application data includes: Verify whether the identity attribute data is consistent with the identity attribute data in the historical credit card application data.

7. The method according to claim 3, characterized in that The approval process corresponding to the smart form is the secondary approval process, and the approval of the smart form based on the approval process includes: Verifying the plurality of credit assessment indicators based on the approval procedure corresponding to the automated approval process and the input data in the smart form, and determining a verification result based on the verification of the plurality of credit assessment indicators; In response to the verification result being passed, establishing a call return review approval task between the first staff member and the target user, and receiving an approval result corresponding to the call return review approval task; The approval result is determined as the credit card application approval result.

8. The method according to claim 3, characterized in that The approval process corresponding to the smart form is the three-level approval process, and the approval of the smart form based on the approval process includes: Verifying the plurality of credit assessment indicators based on the approval procedure corresponding to the automated approval process and the input data in the smart form, and determining a verification result based on the verification of the plurality of credit assessment indicators; In response to the verification result being passed, creating a credit card face-to-face approval task corresponding to the target user by the second staff member, and receiving an approval result corresponding to the credit card face-to-face approval task; In response to the approval result being passed, creating a review task for all credit card approval data, and receiving review results corresponding to the review task for all credit card approval data; The review result is determined as the credit card application approval result.

9. The method according to claim 1, characterized in that If a credit card application request is received from a plurality of credit card application clients, the method further includes: Determining the credit card application request sent by each application client as a credit card approval task; Determining a thread-based credit card approval execution strategy based on a preset thread execution task number threshold and the number of credit card approval tasks; Obtain the target user's corresponding profile category and credit card application level, including: Obtain the target user's corresponding file category and credit card application level according to the credit card approval execution strategy.

10. The method according to claim 9, characterized in that The determining of the thread-based credit card approval execution strategy based on the preset thread execution task number threshold and the credit card approval task number includes: If the number of credit card approval tasks is less than or equal to the preset thread execution task number threshold, each credit card approval task is executed using a single thread; If the number of the credit card approval tasks is greater than the preset thread execution task number threshold, multiple threads are used to execute the credit card approval tasks in parallel.

11. A device for processing credit card application data, comprising: An acquisition module, configured to obtain the profile category and credit card application level corresponding to the target user in response to receiving a credit card application request sent by a credit card application client; A generation module, configured to generate an intelligent form according to the file creation category; a determination module configured to obtain a credit score corresponding to the target user in response to confirming that the information in the smart form is correct, and determine an approval process corresponding to the smart form based on the profile category, credit card application level, and credit score; An approval module is used to approve the smart form based on the approval process to obtain an approval result corresponding to the smart form, and send the approval result corresponding to the smart form to the credit card application client; the approval result is used to indicate whether a credit card is issued to the target user.

12. An electronic device, characterized in that: include: a processor, and a memory communicatively connected to the processor; The memory stores computer-executable instructions; The processor executes the computer-executable instructions stored in the memory to implement the method according to any one of claims 1 to 10.

13. A computer-readable storage medium, characterized in that The computer-readable storage medium stores computer-executable instructions, which are used to implement the method according to any one of claims 1 to 10 when executed by a processor.

14. A computer program product, characterized in that The invention comprises a computer program, which implements the method according to any one of claims 1 to 10 when being executed by a processor.

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