Information processing method, device, electronic device and medium for loan

Abstract

The present disclosure provides an information processing method for loans, which can be used in the field of financial technology information security. The method includes: generating external virtual identity information for a user; associating the external virtual identity information with the core information of the user, wherein the core information is information that can contact or locate the user in reality; and in the process of reviewing the loan application of the user, replacing the core information with the external virtual identity information for information transmission in the network. The present disclosure also provides an information processing device for loans, an electronic device, and a computer-readable storage medium.

Description

Technical Field

[0001] The present disclosure belongs to the field of financial technology information security technology; more specifically, it relates to an information processing method, device, electronic device and medium for loans. Background Art

[0002] In the process of accepting loan business, banks need to collect various information of loan applicants for loan review. In the process of loan review, there will be various data exchanges, for example, between lenders and banks, between banks and credit reporting agencies or assessment agencies, between lenders and credit reporting agencies or assessment agencies, and between the review and approval processes at all levels within the bank. In the process of data exchange, the user's core information such as name, phone number, ID number, etc. is often exposed to the outside world, so that the person in charge of each link of data exchange may have access to these core information of the user, so that criminals can use means such as mobile phone photography and video recording to leak the user's core information. For example, if the user's core information is sold to a loan shark company, the loan shark company may deceive the loan user, thereby affecting the legitimate rights and interests of the loan user and bringing adverse effects to the market order. Therefore, preventing the leakage of the user's core information during the loan review process is not only related to the personal interests of the loan user, but also to the health and stability of the entire market order. Summary of the invention

[0003] In view of this, the embodiments of the present disclosure provide an information processing method, device, electronic device and medium for loans, which can effectively reduce the risk of leakage of user core information during the loan review process to a certain extent.

[0004] One aspect of an embodiment of the present disclosure provides an information processing method for loans, comprising: generating external virtual identity information for a user; associating the external virtual identity information with the core information of the user, wherein the core information is information that can be used to contact or locate the user in reality; and in the process of reviewing the user's loan application, replacing the core information with the external virtual identity information to identify the user and transmit information in the network.

[0005] According to an embodiment of the present disclosure, the method further includes generating internal virtual identity information for the user. Then, associating the external virtual identity information with the core information of the user includes: binding the internal virtual identity information with the core information so that the loan review information of the user can be found through the internal virtual identity information; and associating the external virtual identity information with the internal virtual identity information.

[0006] According to an embodiment of the present disclosure, the external virtual identity information is used to replace the core information to identify the user, and information transmission in the network includes: upon receiving a first data query request based on the external virtual identity information from a first information requester, searching for the internal virtual identity information based on the external virtual identity information, the first data query request being used to query the loan review information of the user; after finding the internal virtual identity information, searching for the loan review information of the user based on the internal virtual identity information; and sending the loan review information of the user to the first information requester.

[0007] According to an embodiment of the present disclosure, the external virtual identity information is used to replace the core information to identify the user, and information transmission in the network includes: when a second data query request based on the external virtual identity information is received from a second information requester, searching for the internal virtual identity information based on the external virtual identity information; wherein the second data query request is used to query the core information; if the second information requester has the authority to query the core information, after finding the internal virtual identity information, obtaining the core information based on the internal virtual identity information; and sending the core information to the second information requester.

[0008] According to an embodiment of the present disclosure, when the core information is leaked, a database access record for searching the core information based on the internal virtual identity information is obtained; and based on the database access record, a search scope of the person who caused the core information leakage is determined.

[0009] According to an embodiment of the present disclosure, generating external virtual identity information for the user includes generating different external virtual identity information for the user in different loan applications of the user.

[0010] According to an embodiment of the present disclosure, generating external virtual identity information for a user includes: generating N pieces of external virtual identity information for the user, wherein N is an integer greater than 1, and wherein different pieces of external virtual identity information have different access rights. Then, in the process of reviewing the loan application of the user, the core information is replaced with the external virtual identity information to identify the user, and information transmission in the network includes: using the external virtual identity information having the same access rights as the interactive object to transmit information with the interactive object.

[0011] Another aspect of the disclosed embodiment provides an information processing device for loans. The device includes a generation module, an association module, and an information interaction module. The generation module is used to generate external virtual identity information for a user. The association module is used to associate the external virtual identity information with the core information of the user, wherein the core information is information that can be used to contact or locate the user in reality. The information interaction module is used to replace the core information with the external virtual identity information to transmit information in the network during the review process of the user's loan application.

[0012] According to an embodiment of the present disclosure, the generating module is further used to generate internal virtual identity information for the user. The associating module is further used to bind the internal virtual identity information with the core information so that the loan review information of the user can be found through the internal virtual identity information; and to associate the external virtual identity information with the internal virtual identity information.

[0013] According to an embodiment of the present disclosure, the information interaction module is specifically used to: upon receiving a first data query request based on the external virtual identity information from a first information requester, search for the internal virtual identity information based on the external virtual identity information, the first data query request being used to query the loan review information of the user; after finding the internal virtual identity information, search for the loan review information of the user based on the internal virtual identity information; and send the loan review information of the user to the first information requester.

[0014] According to an embodiment of the present disclosure, the information interaction module is specifically used to: upon receiving a second data query request based on the external virtual identity information from a second information requester, search for the internal virtual identity information based on the external virtual identity information; wherein the second data query request is used to query the core information; if the second information requester has the authority to query the core information, after finding the internal virtual identity information, obtain the core information based on the internal virtual identity information; and send the core information to the second information requester.

[0015] According to an embodiment of the present disclosure, the device further includes an information leakage processing module. The information leakage processing module is used to obtain a database access record for searching the core information based on the internal virtual identity information when the core information is leaked, and to determine a search scope of the person who caused the core information leakage based on the database access record.

[0016] Another aspect of the embodiments of the present disclosure provides an electronic device. The electronic device includes one or more memories and one or more processors. The memories store executable instructions. The processors execute the executable instructions to implement the above method.

[0017] Another aspect of an embodiment of the present disclosure provides a computer-readable storage medium storing computer-executable instructions, which are used to implement the method described above when executed.

[0018] Another aspect of an embodiment of the present disclosure provides a computer program, wherein the computer program includes computer executable instructions, and the instructions are used to implement the method described above when executed.

[0019] One or more of the above embodiments have the following advantages or beneficial effects: during the loan review process, external virtual identity information is used to replace the user's core information for data transmission and exchange in the network, which greatly reduces or suppresses the exposure of the user's core information in the network, thereby effectively reducing the risk of leakage of the user's core information. BRIEF DESCRIPTION OF THE DRAWINGS

[0020] The above and other objects, features and advantages of the present disclosure will become more apparent through the following description of the embodiments of the present disclosure with reference to the accompanying drawings, in which:

[0021] Figure 1 The system architecture of the information processing method and device for loans according to the embodiment of the present disclosure is schematically shown;

[0022] Figure 2 A flowchart of an information processing method for loans according to an embodiment of the present disclosure is schematically shown;

[0023] Figure 3 A flowchart of an information processing method for loans according to another embodiment of the present disclosure is schematically shown;

[0024] Figure 4 A flowchart of an information processing method for loans according to another embodiment of the present disclosure is schematically shown;

[0025] Figure 5 A block diagram schematically shows an information processing device for loans according to an embodiment of the present disclosure; and

[0026] Figure 6 A block diagram of an electronic device suitable for implementing information processing for loans according to an embodiment of the present disclosure is schematically shown. DETAILED DESCRIPTION

[0027] Hereinafter, embodiments of the present disclosure will be described with reference to the accompanying drawings. However, it should be understood that these descriptions are exemplary only and are not intended to limit the scope of the present disclosure. In the following detailed description, for ease of explanation, many specific details are set forth to provide a comprehensive understanding of the embodiments of the present disclosure. However, it is apparent that one or more embodiments may also be implemented without these specific details. In addition, in the following description, descriptions of known structures and technologies are omitted to avoid unnecessary confusion of the concepts of the present disclosure.

[0028] The embodiments of the present disclosure provide an information processing method, device, electronic device and medium for loans. The method includes: generating external virtual identity information for a user; associating the external virtual identity information with the user's core information, wherein the core information is information that can be used to contact or locate the user in reality; and in the process of reviewing the user's loan application, replacing the core information with the external virtual identity information for information transmission in the network. Thus, the exposure of the user's core information in the network is greatly reduced or suppressed, thereby effectively reducing the risk of leakage of the user's core information.

[0029] It should be noted that the information processing method, device, electronic device and medium for loans determined in the embodiments of the present disclosure can be used in the financial field, and can also be used in any field other than the financial field. The present disclosure does not limit the application field.

[0030] Figure 1 The system architecture 100 of the information processing method and device for loans according to an embodiment of the present disclosure is schematically shown.

[0031] like Figure 1 As shown, the system architecture 100 may include a bank system 101, a loan user terminal 102, an evaluation agency 103, a credit reporting agency 104, and a bank database 105. During the loan review process, data exchange may occur between the bank system 101, the loan user terminal 102, the evaluation agency 103, and the credit reporting agency 104.

[0032] According to an embodiment of the present disclosure, the bank system 101 may generate the external virtual identity information W_id of the loan user after collecting the basic information of the lender through the loan user terminal 102 .

[0033] The bank system 101 can send the external virtual identity information W_id to the evaluation agency 103 and the credit reporting agency 104, so as to identify the loan user by replacing the core information of the loan user with the external virtual identity information W_id, wherein the core information can include, for example, name, telephone number, ID number, home address, etc., which can be used to contact or locate the user in reality. In this way, the evaluation agency 103 and the credit reporting agency 104 can use the external virtual identity information W_id to access the bank database 105 to obtain the review entity information related to the loan user (for example, credit, income, repayment ability, debt situation, family background, etc.) to conduct corresponding loan review. Therefore, in the data interaction process between the bank system 101 and the evaluation agency 103 and the credit reporting agency 104, the transmission of the user's core information in the network is reduced or even avoided. In this way, even if criminals intercept or access the external virtual identity information W_id and the review information related to the loan user, since they cannot determine the lender corresponding to this information in real life, the information they obtain is invalid for the criminals, thereby greatly inhibiting the harassment and deception of lenders by criminals.

[0034] In addition, the user's external virtual identity information W_id may also be provided to auditors at all levels within the bank, so that auditors at all levels can review the relevant information of the lender through the external virtual identity information W_id.

[0035] Furthermore, for those institutions or individuals who need to view the core information of the user, corresponding permissions can be granted to these institutions or individuals so that they can query the core information of the user from the bank database 105 through the external virtual identity information W_id. This can avoid unnecessary exposure of the core information of the user in the review links at all levels.

[0036] It should be noted that Figure 1 What is shown is merely an example of a system architecture to which the embodiments of the present disclosure can be applied, in order to help those skilled in the art understand the technical content of the present disclosure, but it does not mean that the embodiments of the present disclosure cannot be used in other devices, systems, environments or scenarios.

[0037] The following combination Figure 1 The system architecture of 100, through Figure 2 to Figure 4 The method of the embodiment of the present disclosure is exemplified.

[0038] Figure 2 The flowchart of the information processing method for loans according to the embodiment of the present disclosure is schematically shown.

[0039] like Figure 2 As shown, the method 200 according to this embodiment may include operations S210 to S230.

[0040] In operation S210, external virtual identity information W_id is generated for a user.

[0041] According to an embodiment of the present disclosure, different external virtual identity information W_id can be generated for the user in different loan applications of the user. In this way, the possibility of forming a strong binding between the external virtual identity information and the user due to always using the same external virtual identity information can be reduced, and the probability of criminals locating the loan user himself based on the external virtual identity information can be further reduced.

[0042] In operation S220, the external virtual identity information W_id is associated with the core information of the user, wherein the core information is information that can be used to contact or locate the user in reality.

[0043] In operation S230, during the review process of the user's loan application, the external virtual identity information W_id is used to replace the core information for information transmission in the network. For example, the evaluation agency 103 and the credit reporting agency 104 access the bank database 105 based on the external virtual identity information W_id to query the corresponding loan review information. After obtaining the loan review information, the loan review information and the external virtual identity information W_id can be encapsulated into a message and transmitted to the evaluation agency 103 and the credit reporting agency 104 through the network.

[0044] According to the embodiments of the present disclosure, the user can be identified by replacing the core information with the external virtual identity information W_id to exchange data in the network. Even if the criminals steal the external virtual identity information W_id during the network transmission, they cannot obtain the core information of the user unless they break into the bank database 105, which greatly suppresses the risk of core information leakage during the user loan process.

[0045] According to some embodiments of the present disclosure, in operation S210, N external virtual identity information W_id may be generated for the user, where N is an integer greater than 1, and different external virtual identity information W_ids have different access rights. Furthermore, the external virtual identity information W_id having the same access rights as the interactive object may be used to transmit information with the interactive object. The access rights may include, for example, the right to obtain core information and the right to obtain the content scope of loan review information.

[0046] For example, the evaluation agency 103 and the credit reporting agency 104 need to obtain different content scopes of loan review information, and the corresponding evaluation agency 103 and the credit reporting agency 104 can generate and provide different external virtual identity information W_id (for example, external virtual identity information based on different rules). When the bank database 105 receives the corresponding external virtual identity information W_id, it can identify the access rights of the external virtual identity information W_id, and then retrieve the corresponding data from the bank database 105 according to the access rights.

[0047] In some embodiments, when the bank database 105 identifies the access rights of the external virtual identity information W_id, it can also be compared with the access rights of the information visitor, and if they are consistent, the corresponding data is fed back, and if they are inconsistent, the data query is rejected. In this way, the access rights of the information visitor can be verified. For example, when it is identified that the external virtual identity information W_id provided by the information visitor has the authority to query the user's core information, it can also be verified whether the information visitor is a user with corresponding authority at this time, and if so, the query of the user's core information is allowed. When the lawbreakers use any external virtual identity information W_id intercepted to probe or attack the bank database 105 by disguising an account number, it can be detected or noticed as early as possible, further improving the security of the user's core information.

[0048] Figure 3 The flowchart of a method 300 for processing information for loans according to another embodiment of the present disclosure is schematically shown.

[0049] like Figure 3 As shown, the method 300 may include operation S310, operations S321-S322, and operations S331-S333.

[0050] In operation S310, external virtual identity information W_id and internal virtual identity information are generated for a user.

[0051] In operation S321, the internal virtual identity information is bound to the core information so that the user's loan review information can be found through the internal virtual identity information, wherein the loan review information is other entity information different from the user's core information.

[0052] In operation S322, the external virtual identity information W_id is associated with the internal virtual identity information.

[0053] Operation S321 to Operation S322 are a specific implementation example of Operation S220.

[0054] Specifically, for example, the external virtual identity information W_id can be associated and bound with the internal virtual identity information and other entity information such as credit, income, repayment ability, debt situation, family background, etc., and the internal virtual identity information and other entity information can be obtained by accessing the database according to the external virtual identity information W_id. In addition, the internal virtual identity information can be bound to the user's core information, such as name, mobile phone number, home address, ID number, etc. The internal virtual identity information and the user's core information are stored in the bank database 105, so that the authorized user can access the bank database 105 according to the internal virtual identity information to obtain the user's core information.

[0055] Then in operation S331, when a first data query request based on the external virtual identity information W_id is received from the first information requesting party, the internal virtual identity information is searched based on the external virtual identity information W_id, and the first data query request is used to query the user's loan review information.

[0056] Then in operation S332, after the internal virtual identity information is found, the user's loan review information is found based on the internal virtual identity information.

[0057] And in operation S333, the user's loan review information is sent to the first information requester.

[0058] Operations S331 to S333 are a specific embodiment of operation S230, which schematically introduces the query process of user loan review information based on external virtual identity information W_id in the network. In the loan process, each process transmits data through the external virtual identity information W_id, and in each process, the bank database 105 must be accessed through the external virtual identity information W_id to obtain the corresponding entity information.

[0059] Figure 4 The flowchart of a method 400 for processing information for loans according to yet another embodiment of the present disclosure is schematically shown.

[0060] like Figure 4 As shown, the method 400 according to this embodiment may include operation S310, operations S321-S322, operations S431-S433, and operations S441-S442.

[0061] In operation S310, external virtual identity information W_id and internal virtual identity information are generated for a user.

[0062] In operation S321, the internal virtual identity information is bound to the core information so that the user's loan review information can be found through the internal virtual identity information.

[0063] In operation S322, the external virtual identity information W_id is associated with the internal virtual identity information.

[0064] Among them, operation S310 and operation S321 to operation S322 may refer to the relevant description in method 300, which will not be repeated here.

[0065] Next, in operation S431, when a second data query request based on the external virtual identity information W_id is received from the second information requesting party, the internal virtual identity information is searched based on the external virtual identity information W_id; wherein the second data query request is used to query the core information.

[0066] Then in operation S432, when the second information requesting party has the authority to query the core information, after finding the internal virtual identity information, the core information is obtained based on the internal virtual identity information.

[0067] And in operation S433, the core information is sent to the second information requesting party.

[0068] Operations S431 to S433 are a specific embodiment of operation S230, schematically describing a process in which an information visitor with the right to query core information queries a user's core information using external virtual information. The information visitor with the right to query core information may be, for example, an approval person or institution that needs to verify the authenticity of the user's core information.

[0069] When querying the core information of the user based on the external virtual identity information W_id, the internal virtual identity information is first queried in the bank database 105, and then the core information of the user is queried based on the internal virtual identity information. In one embodiment, the internal identity information and the core information of the user can be stored in different database servers of the bank database 105. In this way, even if the criminals access the internal virtual identity information through the external virtual identity, they need to jump to a further server to get the core information of the user, and this process increases the possibility of being monitored and detected, which can reduce the possibility of the core information being stolen to a certain extent.

[0070] In addition, in operation S441, when the core information is leaked, a database access record for searching the core information based on the internal virtual identity information is obtained.

[0071] In operation S442, based on the database access records, the search scope of the person who caused the core information leakage is determined. According to the database access records, it can be found which organizations and individuals have accessed the core information of a user, which can narrow the screening scope and deter criminals.

[0072] Figure 5The block diagram schematically shows an information processing device 500 for loans according to an embodiment of the present disclosure.

[0073] like Figure 5 As shown, the information processing device 500 according to the embodiment of the present disclosure may include a generation module 510, an association module 520, and an information interaction module 530. According to other embodiments of the present disclosure, the device 500 may further include an information leakage processing module 540. The device 500 may be used to implement reference Figure 2 to Figure 4 The method described.

[0074] The generating module 510 is used to generate external virtual identity information W_id for the user.

[0075] The association module 520 is used to associate the external virtual identity information W_id with the core information of the user, wherein the core information is information that can be used to contact or locate the user in reality.

[0076] The information interaction module 530 is used to replace the core information with the external virtual identity information W_id to transmit information in the network during the review process of the user's loan application.

[0077] According to some embodiments of the present disclosure, the generation module 510 is also used to generate internal virtual identity information for the user. Accordingly, the association module 520 is also used to bind the internal virtual identity information with the core information so that the user's loan review information can be found through the internal virtual identity information; and to associate the external virtual identity information W_id with the internal virtual identity information.

[0078] According to some embodiments of the present disclosure, the information interaction module 530 is specifically used for: upon receiving a first data query request based on external virtual identity information W_id from a first information requesting party, searching for internal virtual identity information based on the external virtual identity information W_id, the first data query request being used to query the user's loan review information; after finding the internal virtual identity information, searching for the user's loan review information based on the internal virtual identity information; and sending the user's loan review information to the first information requesting party.

[0079] According to other embodiments of the present disclosure, the information interaction module 530 is specifically used for: upon receiving a second data query request based on the external virtual identity information W_id from the second information requesting party, searching for internal virtual identity information based on the external virtual identity information W_id; wherein the second data query request is used to query core information; when the second information requesting party has the authority to query core information, after finding the internal virtual identity information, obtaining core information based on the internal virtual identity information; and sending the core information to the second information requesting party.

[0080] According to other embodiments of the present disclosure, the information leakage processing module 540 is used to obtain database access records for searching for core information based on internal virtual identity information when core information is leaked, and to determine the search scope of the person who caused the core information leakage based on the database access records.

[0081] According to the embodiments of the present invention, any one or more of the modules, submodules, units, and subunits, or at least part of the functions of any one of them can be implemented in one module. According to the embodiments of the present invention, any one or more of the modules, submodules, units, and subunits can be split into multiple modules for implementation. According to the embodiments of the present invention, any one or more of the modules, submodules, units, and subunits can be at least partially implemented as hardware circuits, such as field programmable gate arrays (FPGAs), programmable logic arrays (PLAs), systems on chips, systems on substrates, systems on packages, application specific integrated circuits (ASICs), or can be implemented by hardware or firmware in any other reasonable way of integrating or packaging the circuit, or implemented in any one of the three implementation methods of software, hardware, and firmware, or in any appropriate combination of any of them. Alternatively, according to the embodiments of the present invention, one or more of the modules, submodules, units, and subunits can be at least partially implemented as computer program modules, and when the computer program modules are run, the corresponding functions can be performed.

[0082] For example, any multiple of the generation module 510, the association module 520, the information interaction module 530, and the information leakage processing module 540 can be combined in one module for implementation, or any one of the modules can be split into multiple modules. Alternatively, at least part of the functions of one or more of these modules can be combined with at least part of the functions of other modules and implemented in one module. According to an embodiment of the present disclosure, at least one of the generation module 510, the association module 520, the information interaction module 530, and the information leakage processing module 540 can be at least partially implemented as a hardware circuit, such as a field programmable gate array (FPGA), a programmable logic array (PLA), a system on a chip, a system on a substrate, a system on a package, an application specific integrated circuit (ASIC), or can be implemented by hardware or firmware such as any other reasonable way of integrating or packaging the circuit, or implemented in any one of the three implementation methods of software, hardware, and firmware or in a suitable combination of any of them. Alternatively, at least one of the generation module 510, the association module 520, the information interaction module 530, and the information leakage processing module 540 may be at least partially implemented as a computer program module, and when the computer program module is executed, a corresponding function may be performed.

[0083] Figure 6A block diagram of an electronic device 600 suitable for implementing information processing for loans according to an embodiment of the present disclosure is schematically shown. Figure 6 The electronic device 600 shown is only an example and should not bring any limitation to the functions and scope of use of the embodiments of the present disclosure.

[0084] like Figure 6 As shown, the electronic device 600 according to an embodiment of the present disclosure includes a processor 601, which can perform various appropriate actions and processes according to a program stored in a read-only memory (ROM) 602 or a program loaded from a storage part 608 into a random access memory (RAM) 603. The processor 601 may include, for example, a general-purpose microprocessor (e.g., a CPU), an instruction set processor and / or a related chipset and / or a special-purpose microprocessor (e.g., an application-specific integrated circuit (ASIC)), etc. The processor 601 may also include an onboard memory for caching purposes. The processor 601 may include a single processing unit or multiple processing units for performing different actions of the method flow according to an embodiment of the present disclosure.

[0085] In RAM 603, various programs and data required for the operation of electronic device 600 are stored. Processor 601, ROM 602 and RAM 603 are connected to each other via bus 604. Processor 601 performs various operations of the method flow according to the embodiment of the present disclosure by executing the program in ROM 602 and / or RAM 603. It should be noted that the program can also be stored in one or more memories other than ROM 602 and RAM 603. Processor 601 can also perform various operations of the method flow according to the embodiment of the present disclosure by executing the program stored in the one or more memories.

[0086] According to an embodiment of the present disclosure, the electronic device 600 may further include an input / output (I / O) interface 605, which is also connected to the bus 604. The electronic device 600 may further include one or more of the following components connected to the I / O interface 605: an input portion 606 including a keyboard, a mouse, etc.; an output portion 607 including a cathode ray tube (CRT), a liquid crystal display (LCD), etc., and a speaker, etc.; a storage portion 608 including a hard disk, etc.; and a communication portion 609 including a network interface card such as a LAN card, a modem, etc. The communication portion 609 performs communication processing via a network such as the Internet. A drive 610 is also connected to the I / O interface 605 as needed. A removable medium 611, such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, etc., is installed on the drive 610 as needed, so that a computer program read therefrom is installed into the storage portion 608 as needed.

[0087] According to an embodiment of the present disclosure, the method flow according to an embodiment of the present disclosure can be implemented as a computer software program. For example, an embodiment of the present disclosure includes a computer program product, which includes a computer program carried on a computer-readable storage medium, and the computer program contains a program code for executing the method shown in the flowchart. In such an embodiment, the computer program can be downloaded and installed from the network through the communication part 609, and / or installed from the removable medium 611. When the computer program is executed by the processor 601, the above-mentioned functions defined in the system of the embodiment of the present disclosure are executed. According to an embodiment of the present disclosure, the system, equipment, device, module, unit, etc. described above can be implemented by a computer program module.

[0088] The present disclosure also provides a computer-readable storage medium, which may be included in the device / apparatus / system described in the above embodiments; or may exist independently without being assembled into the device / apparatus / system. The above computer-readable storage medium carries one or more programs, and when the above one or more programs are executed, the method according to the embodiment of the present disclosure is implemented.

[0089] According to an embodiment of the present disclosure, the computer-readable storage medium may be a non-volatile computer-readable storage medium, for example, may include but is not limited to: a portable computer disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination thereof. In the present disclosure, a computer-readable storage medium may be any tangible medium containing or storing a program, which may be used by or in combination with an instruction execution system, an apparatus or a device. For example, according to an embodiment of the present disclosure, a computer-readable storage medium may include the ROM 602 and / or RAM 603 described above and / or one or more memories other than ROM 602 and RAM 603.

[0090] An embodiment of the present disclosure also includes a computer program product, which includes a computer program, and the computer program contains a program code for executing the method provided by the embodiment of the present disclosure. When the computer program product runs on an electronic device, the program code is used to enable the electronic device to implement the image recognition method provided by the embodiment of the present disclosure.

[0091] When the computer program is executed by the processor 601, the above functions defined in the system / device of the embodiment of the present disclosure are executed. According to the embodiment of the present disclosure, the system, device, module, unit, etc. described above can be implemented by a computer program module.

[0092] In one embodiment, the computer program may rely on tangible storage media such as optical storage devices, magnetic storage devices, etc. In another embodiment, the computer program may also be transmitted and distributed in the form of signals on a network medium, and downloaded and installed through the communication part 609, and / or installed from a removable medium 611. The program code contained in the computer program may be transmitted using any appropriate network medium, including but not limited to: wireless, wired, etc., or any suitable combination of the above.

[0093] According to an embodiment of the present disclosure, the program code for executing the computer program provided by the embodiment of the present disclosure can be written in any combination of one or more programming languages. Specifically, these computing programs can be implemented using high-level process and / or object-oriented programming languages, and / or assembly / machine languages. Programming languages ​​include, but are not limited to, Java, C++, python, "C" language or similar programming languages. The program code can be executed entirely on the user computing device, partially on the user device, partially on the remote computing device, or entirely on the remote computing device or server. In the case of a remote computing device, the remote computing device can be connected to the user computing device through any type of network, including a local area network (LAN) or a wide area network (WAN), or can be connected to an external computing device (for example, using an Internet service provider to connect through the Internet).

[0094] The flow charts and block diagrams in the accompanying drawings illustrate the possible architecture, functions and operations of the systems, methods and computer program products according to various embodiments of the present disclosure. In this regard, each box in the flow chart or block diagram can represent a module, a program segment, or a part of a code, and the above-mentioned module, program segment, or a part of a code contains one or more executable instructions for realizing the specified logical function. It should also be noted that in some alternative implementations, the functions marked in the box can also occur in a different order from the order marked in the accompanying drawings. For example, two boxes represented in succession can actually be executed substantially in parallel, and they can sometimes be executed in the opposite order, depending on the functions involved. It should also be noted that each box in the block diagram or flow chart, and the combination of the boxes in the block diagram or flow chart can be implemented with a dedicated hardware-based system that performs a specified function or operation, or can be implemented with a combination of dedicated hardware and computer instructions.

[0095] The embodiments of the present disclosure are described above. However, these embodiments are only for illustrative purposes and are not intended to limit the scope of the present disclosure. Without departing from the scope of the present disclosure, those skilled in the art may make various substitutions and modifications, which should all fall within the scope of the present disclosure.

Claims

1. A method for processing information for loans, comprising: Generate internal virtual identity information and N external virtual identity information for the user, where N is an integer greater than 1, and different external virtual identity information has different access rights; Associating the external virtual identity information with the core information of the user, including: binding the internal virtual identity information with the core information so that the loan review information of the user can be found through the internal virtual identity information, and associating the external virtual identity information with the internal virtual identity information; wherein the core information is information that can contact or locate the user in reality, and the loan review information is other entity information different from the core information of the user; and In the process of reviewing the loan application of the user, the external virtual identity information is used to replace the core information for information transmission in the network; Wherein, in the process of reviewing the loan application of the user, replacing the core information with the external virtual identity information to transmit information in the network includes: When receiving a first data query request based on the external virtual identity information from a first information requester, comparing the access rights of the external virtual identity information in the first data query request with the access rights of the information visitor to obtain a comparison result; When the comparison result is consistent, searching for the internal virtual identity information based on the external virtual identity information in the first data query request, and after finding the internal virtual identity information, searching for the loan review information of the user based on the internal virtual identity information, and then encapsulating the loan review information of the user and the external virtual identity information in the first data query request into a message, and sending it to the first information requester; and When the comparison result is inconsistent, the data query is rejected.

2. The method according to claim 1, wherein: The replacing the core information with the external virtual identity information to transmit information in the network also includes: Upon receiving a second data query request based on the external virtual identity information from a second information requester, searching for the internal virtual identity information based on the external virtual identity information; wherein the second data query request is used to query the core information; If the second information requesting party has the authority to query the core information, after finding the internal virtual identity information, obtaining the core information based on the internal virtual identity information; and The core information is sent to the second information requester.

3. The method according to claim 2, wherein: When the core information is leaked, obtaining a database access record based on the internal virtual identity information to search for the core information; and Based on the database access records, a search scope of the person who caused the core information leakage is determined.

4. The method according to claim 1, wherein: Generating N external virtual identity information for the user includes: In different loan applications by the user, different external virtual identity information is generated for the user.

5. An information processing device for loans, comprising: A generating module, used to generate internal virtual identity information and N external virtual identity information for a user, wherein N is an integer greater than 1, and wherein different external virtual identity information has different access rights; an association module, for associating the external virtual identity information with the core information of the user, including: binding the internal virtual identity information with the core information so that the loan review information of the user can be found through the internal virtual identity information, and associating the external virtual identity information with the internal virtual identity information; wherein the core information is information that can contact or locate the user in reality, and the loan review information is other entity information different from the core information of the user; and An information interaction module, used to replace the core information with the external virtual identity information to transmit information in the network during the review process of the loan application of the user; Wherein, the information interaction module is specifically used for: When receiving a first data query request based on the external virtual identity information from a first information requester, comparing the access rights of the external virtual identity information in the first data query request with the access rights of the information visitor to obtain a comparison result; When the comparison result is consistent, searching for the internal virtual identity information based on the external virtual identity information in the first data query request, and after finding the internal virtual identity information, searching for the loan review information of the user based on the internal virtual identity information, and then encapsulating the loan review information of the user and the external virtual identity information in the first data query request into a message, and sending it to the first information requester; and When the comparison result is inconsistent, the data query is rejected.

6. An electronic device comprising: One or more memories storing executable instructions; as well as One or more processors execute the executable instructions to implement the method according to any one of claims 1 to 4.

7. A computer-readable storage medium having executable instructions stored thereon, which, when executed by a processor, causes the processor to execute the method according to any one of claims 1 to 4.

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