Credit file processing method, device, equipment, system, medium and program product

Abstract

The present application provides a credit file processing method, device, equipment, system, medium and program product, the method comprising: a mobile credit client sends credit file data for a target credit business to a mobile credit server; the mobile credit server obtains a non-editable first credit file based on the credit file data; the mobile credit server uploads the first credit file to a file management system, and receives a first credit file identifier generated for the first credit file from the file management system; the mobile credit server sends the first credit file identifier to the mobile credit client; the mobile credit client stores a first correspondence between the first credit file identifier and the identifier of the target credit business in the credit file management system, and the first correspondence is used for the credit file management client of the credit file management system to query the first credit file from the file management system. The method of the present application can improve the efficiency of credit file data storage.

Description

Technical Field

[0001] The present application relates to data processing technology, and in particular to a credit file processing method, device, equipment, system, medium and program product. Background Art

[0002] Credit file management is one of the core functions of the credit management system. The download and viewing of documents in each process link must be realized through this function. In traditional credit file management, business personnel need to edit credit file documents on the client of the credit file management system and upload attachments to the credit file management system. The workload of business personnel filling in manually is large. Summary of the invention

[0003] The present application provides a credit file processing method, device, equipment, system, medium and program product for improving the efficiency of credit file data storage.

[0004] In a first aspect, the present application provides a credit file processing method, which is applied to a mobile credit service system, wherein the mobile credit service system includes a mobile credit client and a mobile credit server, and the method includes: the mobile credit client sends credit file data for a target credit business to the mobile credit server; the mobile credit server obtains a non-editable first credit file based on the credit file data collected by the mobile credit client; the mobile credit server uploads the first credit file to a file management system, and receives a first credit file identifier generated for the first credit file from the file management system, wherein the file management system is used to save the first credit file; the mobile credit server sends the first credit file identifier to the mobile credit client; the mobile credit client stores a first correspondence between the first credit file identifier and the identifier of the target credit business in the credit file management system, and the first correspondence is used by a credit file management client of the credit file management system to query the first credit file from the file management system.

[0005] In combination with the first aspect, in certain implementations of the first aspect, the mobile credit server collects the credit file data based on the mobile credit client to obtain a non-editable first credit file, including: if the credit file data includes video data, the mobile credit server uses the video data as the first credit file; or, if the credit file data includes non-video data, the mobile credit server generates the PDF document from the non-video data and uses the PDF document as the first credit file; or, if the credit file data includes video data and non-video data, the mobile credit server generates a PDF document from the non-video data and uses the PDF document and video data as the first credit file.

[0006] In combination with the first aspect, in some implementations of the first aspect, the mobile credit server generates a PDF document from the non-video data, including: the mobile credit server obtains a target template for the PDF document; the mobile credit server fills the non-video data into the target template to obtain the PDF document.

[0007] In combination with the first aspect, in some implementations of the first aspect, the mobile credit server obtains the target template of the PDF document, including: the mobile credit server determines the target template according to the type of non-video data and the mapping relationship between the data type and the template.

[0008] In combination with the first aspect, in certain implementations of the first aspect, the mobile credit client stores a first correspondence between the first credit file identifier and the identifier of the target credit business in a credit file management system, including: if the credit file management system stores a second correspondence between a second credit file identifier and the identifier of the target credit business, the mobile credit client replaces the second correspondence with the first correspondence; wherein the second credit file identifier is an identifier generated by the file management system for the second credit file, and the second credit file is a file generated by the mobile credit server based on the credit file data of the target credit business before generating the first credit file.

[0009] According to the above scheme, the correspondence between the credit file identifier and the identifier of the target credit business can be updated in real time.

[0010] In combination with the first aspect, in certain implementations of the first aspect, before the mobile credit client in the mobile credit service system sends credit file data for a target credit business to the mobile credit server in the mobile credit service system, the method further includes: the mobile credit client collecting the credit file data according to the type of the target credit business.

[0011] In combination with the first aspect, in certain implementations of the first aspect, after the mobile credit client stores the first correspondence between the first credit file identifier and the identifier of the target credit business in a credit file management system, the method further includes: the mobile credit client deleting the first correspondence from the credit file management system.

[0012] According to the above scheme, the correspondence between the credit file identification stored in the credit file management system and the identification of the target credit business can be deleted in real time, avoiding the credit file management client from querying the file management system for invalid or erroneous credit files.

[0013] In the second aspect, the present application provides a credit file processing method, a mobile credit service system includes a mobile credit client and a mobile credit server, the method is applied to the mobile credit client, the method includes: the mobile credit client sends credit file data for a target credit business to the mobile credit server; the mobile credit client receives a first credit file identifier from the mobile credit server, the first credit file identifier is an identifier generated by a file management system for the first credit file, the first credit file is a non-editable file obtained by the mobile credit server based on the credit file data collected by the mobile credit client, and uploaded to the file management system; the mobile credit client stores a first correspondence between the first credit file identifier and the identifier of the target credit business in the credit file management system, and the first correspondence is used by the credit file management client of the credit file management system to query the first credit file from the file management system.

[0014] In certain implementations of the second aspect, the mobile credit client stores the first correspondence between the first credit file identifier and the identifier of the target credit business in a credit file management system, including:

[0015] If the credit file management system stores a second correspondence between a second credit file identifier and an identifier of the target credit business, the mobile credit client replaces the second correspondence with the first correspondence; wherein the second credit file identifier is an identifier generated by the file management system for the second credit file, and the second credit file is a file generated by the mobile credit server based on the credit file data of the target credit business before generating the first credit file.

[0016] In certain implementations of the second aspect, before the mobile credit client sends the credit file data for the target credit business to the mobile credit server, the method further includes:

[0017] The mobile credit client collects the credit file data according to the type of the target credit business.

[0018] In certain implementations of the second aspect, after the mobile credit client stores the first correspondence between the first credit file identifier and the identifier of the target credit business in a credit file management system, the method further includes:

[0019] The mobile credit client deletes the first corresponding relationship from the credit file management system.

[0020] In the third aspect, the present application provides a credit file processing method, a mobile credit service system includes a mobile credit client and a mobile credit server, the method is applied to the mobile credit server, the method includes: the mobile credit server receives credit file data for a target credit business from the mobile credit client; the mobile credit server obtains a non-editable first credit file based on the credit file data collected by the mobile credit client; the mobile credit server uploads the first credit file to a file management system, and receives a first credit file identifier generated for the first credit file from the file management system, wherein the file management system is used to save the first credit file; the mobile credit server sends the first credit file identifier to the mobile credit client, so that the mobile credit client stores a first correspondence between the first credit file identifier and the identifier of the target credit business in the credit file management system, and the first correspondence is used for the credit file management client of the credit file management system to query the first credit file from the file management system.

[0021] In certain implementations of the third aspect, the mobile credit server collects the credit file data based on the mobile credit client to obtain a non-editable first credit file, including:

[0022] If the credit file data includes video data, the mobile credit server uses the video data as the first credit file; or,

[0023] If the credit file data includes non-video data, the mobile credit server generates the PDF document from the non-video data and uses the PDF document as the first credit file; or,

[0024] If the credit file data includes video data and non-video data, the mobile credit server generates a PDF document from the non-video data, and uses the PDF document and the video data as the first credit file.

[0025] In certain implementations of the third aspect, the mobile credit server generates a PDF document from the non-video data, including:

[0026] The mobile credit server obtains a target template of the PDF document;

[0027] The mobile credit server fills the non-video data into the target template to obtain the PDF document.

[0028] In certain implementations of the third aspect, the mobile credit server obtains the target template of the PDF document, including:

[0029] The mobile credit server determines the target template according to the type of the non-video data and the mapping relationship between the data type and the template.

[0030] In a fourth aspect, the present application provides a mobile credit client, which belongs to a mobile credit service system, and the mobile credit service system also includes a mobile credit server. The mobile credit client includes: a sending module, which is used to send credit file data for a target credit business to the mobile credit server; a receiving module, which is used to receive a first credit file identifier from the mobile credit server, the first credit file identifier is an identifier generated by a file management system for a first credit file, and the first credit file is a non-editable file obtained by the mobile credit server based on the credit file data collected by the mobile credit client, and uploaded to the file management system; a storage module, which is used to store a first correspondence between the first credit file identifier and the identifier of the target credit business in the credit file management system, and the first correspondence is used for a credit file management client of the credit file management system to query the first credit file from the file management system.

[0031] In a fifth aspect, the present application provides a mobile credit server, which belongs to a mobile credit service system, and the mobile credit service system also includes a mobile credit client, and the mobile credit server includes: a receiving module, used to receive credit file data for a target credit business from the mobile credit client; a processing module, used to obtain a non-editable first credit file based on the credit file data collected by the mobile credit client; an uploading module, used to upload the first credit file to a file management system, and receive a first credit file identifier generated for the first credit file from the file management system, wherein the file management system is used to save the first credit file; a sending module, used to send the first credit file identifier to the mobile credit client, so that the mobile credit client stores a first correspondence between the first credit file identifier and the identifier of the target credit business in the credit file management system, and the first correspondence is used for the credit file management client of the credit file management system to query the first credit file from the file management system.

[0032] In a sixth aspect, the present application provides a mobile credit service system, comprising: a mobile credit client and a mobile credit server; the mobile credit client is used to send credit file data for a target credit business to the mobile credit server; the mobile credit server is used to obtain a non-editable first credit file based on the credit file data collected by the mobile credit client; the mobile credit server is also used to upload the first credit file to a file management system, and receive a first credit file identifier generated for the first credit file from the file management system, and send the first credit file identifier to the mobile credit client, wherein the file management system is used to save the first credit file; the mobile credit client is also used to store a first correspondence between the first credit file identifier and the identifier of the target credit business in the credit file management system, and the first correspondence is used for the credit file management client of the credit file management system to query the first credit file from the file management system.

[0033] In the seventh aspect, an electronic device is provided, comprising: at least one processor and a memory; the memory stores computer-executable instructions; the at least one processor executes the computer-executable instructions stored in the memory, so that the electronic device executes the method described in the second aspect.

[0034] In an eighth aspect, an electronic device is provided, comprising: at least one processor and a memory; the memory stores computer-executable instructions; the at least one processor executes the computer-executable instructions stored in the memory, so that the electronic device executes the method described in the third aspect.

[0035] In the ninth aspect, a computer-readable storage medium is provided, which stores a computer program (also referred to as code, or instructions). When the computer-readable storage medium is run on a computer, the computer executes the method in any possible implementation of the first to third aspects or the first to third aspects.

[0036] In the tenth aspect, a computer program product is provided, which includes: a computer program (also referred to as code, or instruction), which, when executed by a processor, enables a computer to execute a method in any possible implementation of the first to third aspects or the first to third aspects.

[0037] In the credit file processing method, device, equipment, system, medium and program product provided by the present application, the mobile credit client can send the collected credit file data of the credit business to the mobile credit server, the mobile credit server generates a non-editable credit file from the credit file data, and sends the credit file to the file management system for storage, the mobile credit client associates the correspondence between the credit file identifier of the credit file stored in the file management system and the identifier of the credit business to the credit file management system in real time, and can enable the credit file management client of the credit file management system to query the credit file through the file management system, thereby avoiding the business personnel from manually filling in the credit file data in the credit file management system client, reducing the workload of the business personnel and improving the efficiency of credit file data storage. BRIEF DESCRIPTION OF THE DRAWINGS

[0038] The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the present application and, together with the description, serve to explain the principles of the present application.

[0039] Figure 1 A schematic diagram of the application scenario for existing credit file processing;

[0040] Figure 2 A flowchart of the credit file processing method provided for this application;

[0041] Figure 3 A flow chart of generating a PDF document from non-video data in credit file data for a mobile credit server;

[0042] Figure 4 This is a schematic flow chart of the credit file processing method according to an embodiment of the present application;

[0043] Figure 5 A schematic diagram of the structure of a mobile credit client provided in an embodiment of the present application;

[0044] Figure 6 A schematic diagram of the structure of a mobile credit server provided in an embodiment of the present application;

[0045] Figure 7 A schematic diagram of the structure of an electronic device provided in this embodiment.

[0046] The above drawings have shown clear embodiments of the present application, which will be described in more detail later. These drawings and text descriptions are not intended to limit the scope of the present application in any way, but to illustrate the concept of the present application to those skilled in the art by referring to specific embodiments. DETAILED DESCRIPTION

[0047] Exemplary embodiments will be described in detail herein, examples of which are shown in the accompanying drawings. When the following description refers to the drawings, the same numbers in different drawings represent the same or similar elements unless otherwise indicated. The implementations described in the following exemplary embodiments do not represent all implementations consistent with the present application. Instead, they are merely examples of devices and methods consistent with some aspects of the present application as detailed in the appended claims.

[0048] First, the terms involved in this application are explained:

[0049] Credit archives refer to the data with legal significance, historical value and reference value generated in the process of accepting, investigating and evaluating, approving, issuing and post-loan management of credit business, including contracts, documents, accounts, letters, records, charts, audio and video and other archival materials of various types of credit business.

[0050] The credit file management system is a system for managing credit files. The credit file management system includes a credit file management client and a credit file management server. Business personnel can download and view credit files through the credit file management client. Among them, the credit file management client can be called the credit file management system front end, the credit file management system front end can be a PC end, and the credit file management server can be called the credit file management system back end. The credit file mentioned here can be a credit file generated by using the credit file data collected by the mobile credit service system.

[0051] The mobile credit service system is a system for collecting and managing credit file data, which can constitute a credit file. The system may include a mobile credit client and a mobile credit server, wherein the mobile credit client is used to collect credit file data, and the mobile credit server is used to store the credit file data collected by the mobile credit client. Among them, the mobile credit client can be called the front end of the mobile credit service system, and the mobile credit server can be called the back end of the mobile credit service system.

[0052] It should be noted that the credit file management system is an important platform for implementing refined credit risk management, and is used throughout the entire life cycle of credit business, from pre-loan to post-loan, while the mobile credit client only focuses on convenient and flexible functional design, and therefore only includes the medium and high frequency functions of the credit file management system PC terminal, that is, the collection of credit file data.

[0053] In addition, with the rapid development of mobile Internet, the portability of mobile devices has undoubtedly brought convenience to the business operation of mobile credit application (APP). Therefore, the aforementioned mobile credit client can be an electronic device with a mobile credit application (APP) installed. Business personnel collect credit file data through the mobile credit APP on the electronic device.

[0054] Currently, business personnel can use mobile credit clients to manually collect and enter the following credit file data anytime and anywhere, for example:

[0055] (1) Post-loan on-site inspection log, which includes information such as the corporate client visited during the on-site inspection, the department visited, the interviewee, and the position, as well as the completion of questionnaires such as “whether to visit the client’s production and operation site for inspection”;

[0056] (2) Contract interview work log, which includes information such as the legal person client, interviewer, ID number, identity tag, identity verification result, person in charge, and date of processing;

[0057] (3) For “Credit Card Installment”, the electronic version of the credit authorization letter is read by the user in the mobile credit client and the user signs the letter electronically.

[0058] Among them, the post-loan on-site inspection log and the contract signing work log are non-image and non-video credit file data, and their content field information is independently stored in multiple database tables in the database of the mobile credit service system; the "Credit Card Installment" electronic credit authorization letter (including signature image) is composed of multiple elements such as text and pictures.

[0059] Figure 1 The following is a schematic diagram of the application scenario of existing credit file processing. At present, considering the importance of credit files as user privacy and banking business information, for the sake of security, the database of the mobile credit service system and the database of the credit file management system are independent of each other.

[0060] In this scenario, currently, business personnel need to obtain credit data from the mobile credit service system and then manually enter these data into the front end of the credit file management system to generate credit files using these data and store them in the back end of the credit file management system, resulting in low efficiency in credit file processing.

[0061] From the above description, it can be seen that the reason for the low efficiency of credit file processing is that business personnel need to manually enter credit file data in the mobile credit service system. At the same time, business personnel may also need to manually enter credit file data in the credit file management system to generate credit files.

[0062] Taking into account the importance of credit files as user privacy and banking business information, the database of the mobile credit service system and the database of the credit file management system are independent of each other. At the same time, in order to avoid business personnel from repeatedly filling in, modifying and uploading credit files on the front end of the credit file management system, this application proposes a method for collecting credit file data anytime and anywhere using the front end of the mobile credit service system, dynamically generating credit files, and synchronizing the data with the credit file management system.

[0063] When implementing this method, the following two points need to be considered:

[0064] 1. How to generate a credit file on the mobile credit service system side. 2. How to enable the credit file management system to obtain the credit file generated by the mobile credit service system.

[0065] Regarding the first point, considering that the current credit file management system mostly uses a single electronic document to store credit files, and the convenience and fine granularity of mobile APP input makes the credit file data tend to be atomic. Furthermore, considering that different types of credit file data are generally stored independently in different database tables in the mobile credit service system, it is difficult to directly establish a connection with the credit file management system through the file system.

[0066] Therefore, in order to unify data management while not destroying the atomicity of the newly added data, in the method of the present application, the back-end of the mobile credit service system generates a non-editable credit file from the diversified credit file data collected by its front-end. Since the generated credit file is non-editable, it can be ensured that it cannot be manually modified, thereby ensuring the security, compliance, and formality of the generated credit file. Although the storage space occupied by the generated credit file in this solution is greater than the storage space occupied by the original collected data, and data redundancy is generated. However, considering data backup and security, the above storage increment and data redundancy can be ignored.

[0067] It should be noted that although the front end of the mobile credit service system can also use the page screenshot method to obtain the credit file that cannot be manually modified, due to the importance of credit files as user privacy and banking business information, the front end of the current mobile credit service system generally has confidentiality constraints on the entry of file data, prohibiting functions such as screenshots and screen recording. Therefore, the above-mentioned solution using page screenshots is not applicable to the solution of this application.

[0068] Regarding the second point, the method of the present application introduces a third-party system, namely a file management system, to store credit files, so that the credit file information can be stored in the file management system, so that business personnel can view the credit files at the front end of the credit file management system. In this way, it can ensure that the database of the mobile credit service system and the database of the credit file management system are independent of each other, thereby ensuring the security of the data and realizing data backup. That is, without changing the existing architecture, a "direct" association between the mobile credit service system and the credit management system is realized. During the entire process, business personnel only need to manually enter the credit file data at the front end of the mobile credit service system, and no longer need to manually enter it at the front end of the credit file management system, thereby improving the storage efficiency of credit files.

[0069] The technical solution of the present application is described in detail below in conjunction with specific embodiments. The following specific embodiments can be combined with each other, and the same or similar concepts or processes may not be described in detail in some embodiments.

[0070] Figure 2 A flowchart of the credit file processing method provided for this application is as follows: Figure 2 As shown, the method includes:

[0071] 201. A mobile credit client in a mobile credit service system sends credit file data for a target credit business to a mobile credit server in the mobile credit service system.

[0072] Correspondingly, the mobile credit server receives the credit file data for the target credit business.

[0073] Among them, the mobile credit client sends the credit file data to the mobile credit server, which can be understood as the mobile credit client uploading the credit file data to the mobile credit server.

[0074] It should be understood that before the mobile credit client sends the credit file data for the target credit business to the mobile credit server, the mobile credit client collects the credit file data according to the type of the target credit business. The credit file data collected by the mobile credit client is different for different types of credit business. Among them, the type of the target credit business is determined according to the credit business provided by the credit file management system.

[0075] The credit file data includes at least one of the following types of data: photos taken directly by the mobile credit client, video materials taken directly by the mobile credit client, metadata entered and filled in by the mobile credit client and stored in the database of the mobile credit service system, etc., where metadata can refer to a certain field.

[0076] 202. The mobile credit server obtains a non-editable first credit file according to the credit file data collected by the mobile credit client. The non-editable first credit file may include at least one of the following: video data, PDF documents, other non-editable documents, etc. For example, the non-editable first credit file may include both video data and PDF documents. The PDF document may include text paragraphs, pictures (photos), tables, etc.

[0077] The mobile credit server receives the credit file data collected by the mobile credit client. It can be understood that the mobile credit server receives the credit file data collected by the mobile credit client and receives the "submit" confirmation message sent by the mobile credit client. The submission confirmation message is used to indicate that the credit file data of the target credit business has been uploaded.

[0078] Optionally, if the credit file data is video data, the mobile credit server uses the video data as the first credit file, that is, does not perform any processing on the video data.

[0079] Optionally, if the credit file data is non-video data, the mobile credit server generates the PDF document from the non-video data and uses the PDF document as the first credit file.

[0080] Optionally, if the credit file data includes both video data and non-video data, the mobile credit server generates a PDF document from the non-video data, and uses the PDF document and the video data as the first credit file. The non-video data includes photos and input fields.

[0081] Specifically, the mobile credit server may obtain a target template of a PDF document, and fill the non-video data into the target template to obtain a PDF document.

[0082] Optionally, the mobile credit server can determine the target template for obtaining the PDF document according to the type of the non-video data and the mapping relationship between the data type and the template, wherein different data types can correspond to different document templates. Optionally, the same data type can also correspond to multiple different document modules for selection by the mobile credit server, which is not limited in this application.

[0083] 203, the mobile credit server uploads the first credit file to the file management system, and the file management system saves the first credit file. The file management system generates a first credit file identifier for the first credit file and sends the first credit file identifier to the mobile credit server. The mobile credit server receives the first credit file identifier generated for the first credit file from the file management system. It should be understood that the file management system is a third-party system independent of the mobile credit service system and the credit file management system.

[0084] 204. The mobile credit server sends the first credit file identifier to the mobile credit client.

[0085] 205. The mobile credit client receives the first credit file identifier sent by the mobile credit server, and stores a first correspondence between the first credit file identifier and the identifier of the target credit business in the credit file management system.

[0086] The first correspondence is used by the credit file management client of the credit file management system to query the first credit file from the file management system. Storing the first correspondence between the first credit file identifier and the identifier of the target credit business in the credit file management system can be understood as sending the first correspondence between the first credit file identifier and the identifier of the target credit business to the credit file management server in the credit file management system and saving it in the database of the credit file management system.

[0087] When the credit file management client needs to query the credit file data of a target credit business, the credit file management client initiates a query request to the credit file management server. The credit file management server determines the identifier of the first credit file corresponding to the target credit business based on the identifier of the target credit business and the correspondence between the credit file identifier and the identifier of the credit business stored in the database, and queries the first credit file from the file management system based on the identifier of the first credit file.

[0088] Optionally, if a second correspondence between a second credit file identifier and an identifier of a target credit business is stored in the credit file management system, the mobile credit client replaces the second correspondence with the first correspondence, wherein the second credit file identifier is an identifier generated by the file management system for the second credit file; the second credit file is generated by the mobile credit server based on the credit file data of the target credit business before generating the first credit file, and the second credit file may be the initial credit file data or the invalidated credit file data of the target credit business. The correspondence between the credit file identifier and the identifier of the target credit business may be updated in real time.

[0089] It should be understood that the file management system can store multiple correspondences between the identifier of the target credit business and multiple credit file identifiers, and the multiple credit files can include credit files generated by the original credit file data and credit files generated after updating the original credit file data. Under this condition, if the credit file data is modified, the file data before the modification can also be traced back.

[0090] Optionally, the mobile credit client may delete the first correspondence from the credit file management system. In other words, the mobile credit client may cancel the first correspondence between the first credit file identifier and the identifier of the target credit business. Based on this solution, the correspondence between the credit file identifier and the identifier of the target credit business stored in the credit file management system may be deleted in real time, thereby preventing the credit file management client from querying the file management system for an invalid or erroneous credit file.

[0091] Figure 3 A flow chart of generating a PDF document from non-video data in credit file data for a mobile credit server, such as Figure 3 As shown, the above step 202 may include:

[0092] 301. The mobile credit server receives credit file data sent by the mobile credit client.

[0093] 302, the mobile credit server splices the non-video data in the credit file data according to the target template of the PDF document, and generates a byte output stream of the PDF document.

[0094] Exemplarily, the implementation process may include:

[0095] (1) Create the target template of com.lowagie.text.Document: Document document = newDocument();

[0096] (2) Create a Writer object and associate it with the document target template. The PDF document can be written to the defined output stream through the writer:

[0097] ByteArrayOutputStream baos=new ByteArrayOutputStream();

[0098] PdfWriter writer=PdfWriter.getInstance(document,baos);

[0099] (3) Open the document: document.open();

[0100] (4) Add data to the PDF document, for example, the data is "Field Operation Work Log":

[0101] document.add(new Paragraph("Field Operation Log"));

[0102] (5) Close the document: document.close();

[0103] (6) Close the writer: writer.close().

[0104] 303, perform base64 encoding on the PDF document byte output stream.

[0105] In step 302, textpdf and itext-asian open source components are introduced, wherein the itext-asian open source component can solve the problem that the Chinese fonts in the generated PDF document cannot be displayed normally in the PDF file.

[0106] In the technical solution provided in the present application, the mobile credit client can send the collected credit file data of the credit business to the mobile credit server. The mobile credit server generates a non-editable credit file based on the credit file data and sends the credit file to the file management system for storage. The mobile credit client associates the correspondence between the credit file identifier of the credit file stored in the file management system and the identifier of the credit business to the credit file management system in real time, so that the credit file management client of the credit file management system can query the credit file through the file management system, thereby avoiding the business personnel from manually filling in the credit file data in the credit file management system client, reducing the workload of the business personnel and improving the efficiency of credit file data storage.

[0107] The following is a specific example to illustrate the credit file processing method provided by this application. In this example, the front end of the credit file management system is the PC end, and the back end of the credit file management system is the mobile credit server; the front end of the mobile credit service system is the mobile credit client, and the back end of the mobile credit service system is the mobile credit server.

[0108] Figure 4 This is a schematic flow chart of the credit file processing method of the present application embodiment, such as Figure 4 As shown, the specific steps include:

[0109] 401. The business personnel enter the credit file data into the front end of the mobile credit service system according to the type of credit business.

[0110] 402, the front end of the mobile credit service system sends the entered credit file data to the back end of the mobile credit service system.

[0111] 403, the backend of the mobile credit service system generates a non-editable credit file from the credit file data, and sends the credit file to the file management system. The file management system generates a credit file identifier for the credit file and sends the credit file identifier to the backend of the mobile credit service system.

[0112] 404, the backend of the mobile credit service system receives the credit file identifier from the file management system.

[0113] 405, the back end of the mobile credit service system sends the obtained credit file identifier to the front end of the mobile credit service system.

[0114] 406, the front end of the mobile credit service system sends the correspondence between the credit file identifier and the credit business identifier to the back end of the credit file management system, and stores it in the back end of the credit file management system.

[0115] 407, when the business personnel need to query the credit file of the credit business on the PC end of the credit file management system, the PC end of the credit file management system sends a query request message for the credit file of the credit business to the back end of the credit file management system.

[0116] 408. The back end of the credit file management system finds the corresponding credit file identifier according to the correspondence between the credit file identifier and the identifier of the credit business, and requests the file management system to obtain the credit file corresponding to the credit file identifier.

[0117] 409, the back end of the credit file management system receives the credit file from the file management system.

[0118] 410, the back end of the credit file management system sends the obtained credit file to the PC end of the credit file management system;

[0119] 411, display the credit files to business personnel through the PC version of the credit file management system.

[0120] In the technical solution provided in the present application, the mobile credit client can send the collected credit file data of the credit business to the mobile credit server. The mobile credit server generates a non-editable credit file based on the credit file data and sends the credit file to the file management system for storage. The mobile credit client associates the correspondence between the credit file identifier of the credit file stored in the file management system and the identifier of the credit business to the credit file management system in real time, so that the credit file management client of the credit file management system can query the credit file through the file management system, thereby avoiding the business personnel from manually filling in the credit file data in the credit file management system client, reducing the workload of the business personnel and improving the efficiency of credit file data storage.

[0121] Figure 5 This is a schematic diagram of the structure of the mobile credit client 500 provided in the embodiment of the present application. Figure 5 As shown, the mobile credit client belongs to a mobile credit service system, and the mobile credit service system also includes a mobile credit server. The mobile credit client 500 includes:

[0122] A sending module 510, for sending credit file data for a target credit business to the mobile credit server;

[0123] The receiving module 520 is used to receive a first credit file identifier from the mobile credit server, where the first credit file identifier is an identifier generated by the file management system for the first credit file, and the first credit file is a non-editable file obtained by the mobile credit server based on the credit file data collected by the mobile credit client and uploaded to the file management system;

[0124] The storage module 530 is used to store the first correspondence between the first credit file identifier and the identifier of the target credit business in the credit file management system, and the first correspondence is used for the credit file management client of the credit file management system to query the first credit file from the file management system.

[0125] Optionally, if the credit file management system stores a second correspondence between a second credit file identifier and an identifier of the target credit business, the storage module 530 is specifically used to replace the second correspondence with the first correspondence; wherein the second credit file identifier is an identifier generated by the file management system for the second credit file, and the second credit file is a file generated by the mobile credit server based on the credit file data of the target credit business before generating the first credit file.

[0126] Optionally, the mobile credit client further includes: a collection module 540, which is used to collect the credit file data for the target credit business according to the type of the target credit business before the sending module 510 sends the credit file data for the target credit business to the mobile credit server.

[0127] Optionally, the storage module 530 is further used to store the first corresponding relationship between the first credit file identifier and the identifier of the target credit business in the credit file management system, and then delete the first corresponding relationship from the credit file management system.

[0128] The mobile credit client provided in the present application is used to execute the actions of the mobile credit client in the aforementioned method embodiment. Its implementation principle and technical effect are similar and will not be described in detail.

[0129] Figure 6 This is a schematic diagram of the structure of the mobile credit server 600 provided in the embodiment of the present application. Figure 6 As shown, the mobile credit server 600 belongs to a mobile credit service system, and the mobile credit service system also includes a mobile credit client. The mobile credit server 600 includes:

[0130] The receiving module 610 is used to receive the credit file data for the target credit business from the mobile credit client;

[0131] A processing module 620, configured to obtain a non-editable first credit file based on the credit file data collected by the mobile credit client;

[0132] An uploading module 630, configured to upload the first credit file to a file management system and receive a first credit file identifier generated for the first credit file from the file management system, wherein the file management system is configured to store the first credit file;

[0133] The sending module 640 is used to send the first credit file identifier to the mobile credit client, so that the mobile credit client stores the first correspondence between the first credit file identifier and the identifier of the target credit business in the credit file management system. The first correspondence is used for the credit file management client of the credit file management system to query the first credit file from the file management system.

[0134] Optionally, the processing module 620 is specifically used to: if the credit file data includes video data, then use the video data as the first credit file; or, if the credit file data includes non-video data, generate a PDF document from the non-video data, and use the PDF document as the first credit file; or, if the credit file data includes video data and non-video data, then generate a PDF document from the non-video data, and use the PDF document and the video data as the first credit file.

[0135] Optionally, the processing module 620 is specifically used to: obtain a target template of a PDF document; and fill the non-video data into the target template to obtain a PDF document.

[0136] Optionally, the processing module 620 is specifically configured to determine the target template according to the type of non-video data and a mapping relationship between the data type and the template.

[0137] The mobile credit server provided in the present application is used to execute the actions of the mobile credit server in the aforementioned method embodiment. Its implementation principle and technical effect are similar and will not be described in detail.

[0138] The embodiment of the present application also provides a credit service system, including: the mobile credit client and mobile credit server described in the above embodiment, and its implementation principle and technical effect are similar to those of the above embodiment, which will not be repeated here.

[0139] The embodiment of the present application also provides a credit file processing architecture, which includes: a mobile credit service system, a file management system and a credit file management system. Its implementation principle and technical effects are similar to those of the aforementioned embodiment and will not be repeated here.

[0140] Figure 7 A schematic diagram of the structure of an electronic device 700 provided in this embodiment is shown in FIG. Figure 7 As shown, the electronic device 700 may be the mobile credit client or mobile credit server described in the above embodiments, and the electronic device 700 includes: a memory 710 and at least one processor 720;

[0141] Memory 710, for storing computer-executable instructions;

[0142] The processor 720 is used to execute the computer-executable instructions stored in the memory, so that the electronic device executes the credit file processing method in the above embodiment. The specific implementation principle can be found in the above embodiment, and this embodiment will not be repeated here.

[0143] The electronic device may further include an input / output interface 730 .

[0144] The input / output interface 730 may include an independent output interface and an input interface, or may be an integrated interface integrating input and output, wherein the output interface is used to output data, and the input interface is used to obtain input data.

[0145] This embodiment also provides a computer program product, which includes a computer program. When the computer program is executed by a processor, the credit file processing method in the above embodiment is implemented.

[0146] In the several embodiments provided in the present application, it should be understood that the disclosed devices and methods can be implemented in other ways. For example, the device embodiments described above are only schematic. For example, the division of the modules is only a logical function division. There may be other division methods in actual implementation, such as multiple modules or components can be combined or integrated into another system, or some features can be ignored or not executed. Another point is that the mutual coupling or direct coupling or communication connection shown or discussed can be through some interfaces, indirect coupling or communication connection of devices or modules, which can be electrical, mechanical or other forms.

[0147] The modules described as separate components may or may not be physically separated, and the components shown as modules may or may not be physical modules, that is, they may be located in one place or distributed on multiple network modules. Some or all of the modules may be selected according to actual needs to achieve the purpose of the solution of this embodiment.

[0148] In addition, each functional module in each embodiment of the present application can be integrated into one processing module, or each module can exist physically separately, or two or more modules can be integrated into one module. The above integrated modules can be implemented in the form of hardware or in the form of hardware plus software functional modules.

[0149] The above-mentioned integrated module implemented in the form of a software function module can be stored in a computer-readable storage medium. The above-mentioned software function module is stored in a storage medium, including a number of instructions for a computer device (which can be a personal computer, a server, or a network device, etc.) or a processor (English: processor) to perform some steps of the method described in each embodiment of the present application. The aforementioned storage medium includes: U disk, mobile hard disk, read-only memory (English: Read-Only Memory, abbreviated: ROM), random access memory (English: Random Access Memory, abbreviated: RAM), disk or optical disk and other media that can store program codes.

[0150] Those skilled in the art will readily appreciate other embodiments of the present application after considering the specification and practicing the invention disclosed herein. The present application is intended to cover any modification, use or adaptation of the present application, which follows the general principles of the present application and includes common knowledge or customary techniques in the art that are not disclosed in the present application. The specification and examples are intended to be exemplary only, and the true scope and spirit of the present application are indicated by the following claims.

[0151] It should be understood that the present application is not limited to the precise structures that have been 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 credit file processing method, characterized in that: The method is applied to a mobile credit service system, the mobile credit service system includes a mobile credit client and a mobile credit server, and the method includes: The mobile credit client sends credit file data for a target credit business to the mobile credit server; The mobile credit server obtains a non-editable first credit file based on the credit file data collected by the mobile credit client; The mobile credit server uploads the first credit file to a file management system, and receives a first credit file identifier generated for the first credit file from the file management system, wherein the file management system is used to store the first credit file; The mobile credit server sends the first credit file identifier to the mobile credit client; The mobile credit client stores a first correspondence between the first credit file identifier and the identifier of the target credit business in a credit file management system, and the first correspondence is used by a credit file management client of the credit file management system to query the first credit file from the file management system; wherein the file management system is a third-party system independent of the mobile credit service system and the credit file management system; The mobile credit server collects the credit file data based on the mobile credit client to obtain a non-editable first credit file, including: If the credit file data includes video data, the mobile credit server uses the video data as the first credit file; or, If the credit file data includes non-video data, the mobile credit server generates a PDF document from the non-video data and uses the PDF document as the first credit file; or, If the credit file data includes video data and non-video data, the mobile credit server generates a PDF document from the non-video data, and uses the PDF document and the video data as the first credit file.

2. The method according to claim 1, characterized in that The mobile credit server generates a PDF document from the non-video data, including: The mobile credit server obtains a target template of the PDF document; The mobile credit server fills the non-video data into the target template to obtain the PDF document.

3. The method according to claim 2, characterized in that The mobile credit server obtains the target template of the PDF document, including: The mobile credit server determines the target template according to the type of the non-video data and the mapping relationship between the data type and the template.

4. The method according to claim 1, characterized in that The mobile credit client stores a first correspondence between the first credit file identifier and the identifier of the target credit business in a credit file management system, including: If the credit file management system stores a second correspondence between a second credit file identifier and an identifier of the target credit business, the mobile credit client replaces the second correspondence with the first correspondence; wherein the second credit file identifier is an identifier generated by the file management system for the second credit file, and the second credit file is a file generated by the mobile credit server based on the credit file data of the target credit business before generating the first credit file.

5. The method according to claim 1, characterized in that Before the mobile credit client sends the credit file data for the target credit business to the mobile credit server, the method further includes: The mobile credit client collects the credit file data according to the type of the target credit business.

6. The method according to claim 1, characterized in that After the mobile credit client stores the first correspondence between the first credit file identifier and the identifier of the target credit business in a credit file management system, the method further includes: The mobile credit client deletes the first corresponding relationship from the credit file management system.

7. A credit file processing method, characterized in that: The mobile credit service system includes a mobile credit client and a mobile credit server. The method is applied to the mobile credit client. The method includes: The mobile credit client sends credit file data for a target credit business to the mobile credit server; The mobile credit client receives a first credit file identifier from the mobile credit server, the first credit file identifier is an identifier generated by the file management system for the first credit file, and the first credit file is a non-editable file obtained by the mobile credit server based on the credit file data collected by the mobile credit client and uploaded to the file management system; wherein the non-editable file obtained by the mobile credit server based on the credit file data collected by the mobile credit client includes: if the credit file data includes video data, the mobile credit server uses the video data as the first credit file; or, If the credit file data includes non-video data, the mobile credit server generates a PDF document from the non-video data and uses the PDF document as the first credit file; or, If the credit file data includes video data and non-video data, the mobile credit server generates a PDF document from the non-video data, and uses the PDF document and the video data as the first credit file; The mobile credit client stores a first correspondence between the first credit file identifier and the identifier of the target credit business in a credit file management system, and the first correspondence is used by a credit file management client of the credit file management system to query the first credit file from the file management system; wherein the file management system is a third-party system independent of the mobile credit service system and the credit file management system.

8. A credit file processing method, characterized in that: The mobile credit service system includes a mobile credit client and a mobile credit server. The method is applied to the mobile credit server. The method includes: The mobile credit server receives credit file data for a target credit business from the mobile credit client; The mobile credit server obtains a non-editable first credit file based on the credit file data collected by the mobile credit client; The mobile credit server uploads the first credit file to a file management system, and receives a first credit file identifier generated for the first credit file from the file management system, wherein the file management system is used to store the first credit file; The mobile credit server sends the first credit file identifier to the mobile credit client, so that the mobile credit client stores a first correspondence between the first credit file identifier and the identifier of the target credit business in a credit file management system, and the first correspondence is used for the credit file management client of the credit file management system to query the first credit file from the file management system; wherein the file management system is a third-party system independent of the mobile credit service system and the credit file management system; The non-editable file obtained by the mobile credit server based on the credit file data collected by the mobile credit client includes: if the credit file data includes video data, the mobile credit server uses the video data as the first credit file; or If the credit file data includes non-video data, the mobile credit server generates a PDF document from the non-video data and uses the PDF document as the first credit file; or, If the credit file data includes video data and non-video data, the mobile credit server generates a PDF document from the non-video data, and uses the PDF document and the video data as the first credit file.

9. A mobile credit client, characterized in that: The mobile credit client belongs to a mobile credit service system, the mobile credit service system also includes a mobile credit server, and the mobile credit client includes: A sending module, used for sending credit file data for a target credit business to the mobile credit server; A receiving module, used for receiving a first credit file identifier from the mobile credit server, wherein the first credit file identifier is an identifier generated by the file management system for the first credit file, and the first credit file is a non-editable file obtained by the mobile credit server based on the credit file data collected by the mobile credit client, and uploaded to the file management system; wherein the non-editable file obtained by the mobile credit server based on the credit file data collected by the mobile credit client includes: if the credit file data includes video data, the mobile credit server uses the video data as the first credit file; or, If the credit file data includes non-video data, the mobile credit server generates a PDF document from the non-video data and uses the PDF document as the first credit file; or, If the credit file data includes video data and non-video data, the mobile credit server generates a PDF document from the non-video data, and uses the PDF document and the video data as the first credit file; A storage module is used to store a first correspondence between the first credit file identifier and the identifier of the target credit business in a credit file management system, wherein the first correspondence is used by a credit file management client of the credit file management system to query the first credit file from the file management system; wherein the file management system is a third-party system independent of the mobile credit service system and the credit file management system.

10. A mobile credit server, characterized in that: The mobile credit server belongs to a mobile credit service system, the mobile credit service system also includes a mobile credit client, and the mobile credit server includes: A receiving module, used for receiving credit file data for a target credit business from the mobile credit client; A processing module, configured to obtain a non-editable first credit file based on the credit file data collected by the mobile credit client; an uploading module, used for uploading the first credit file to a file management system, and receiving a first credit file identifier generated for the first credit file from the file management system, wherein the file management system is used for storing the first credit file; a sending module, configured to send the first credit file identifier to the mobile credit client, so that the mobile credit client stores a first correspondence between the first credit file identifier and the identifier of the target credit business in a credit file management system, wherein the first correspondence is used for the credit file management client of the credit file management system to query the first credit file from the file management system; wherein the file management system is a third-party system independent of the mobile credit service system and the credit file management system; The processing module is specifically configured to: if the credit file data includes video data, the mobile credit server uses the video data as the first credit file; or If the credit file data includes non-video data, the mobile credit server generates a PDF document from the non-video data and uses the PDF document as the first credit file; or, If the credit file data includes video data and non-video data, the mobile credit server generates a PDF document from the non-video data, and uses the PDF document and the video data as the first credit file.

11. A mobile credit service system, characterized in that: Including a mobile credit client and a mobile credit server; The mobile credit client is used to send credit file data for a target credit business to the mobile credit server; The mobile credit server is used to obtain a non-editable first credit file based on the credit file data collected by the mobile credit client; The mobile credit server is further used to upload the first credit file to a file management system, receive a first credit file identifier generated for the first credit file from the file management system, and send the first credit file identifier to the mobile credit client, wherein the file management system is used to store the first credit file; The mobile credit client is further used to store a first correspondence between the first credit file identifier and the identifier of the target credit business in a credit file management system, wherein the first correspondence is used for a credit file management client of the credit file management system to query the first credit file from the file management system; wherein the file management system is a third-party system independent of the mobile credit service system and the credit file management system; The mobile credit server is specifically configured to use the video data as the first credit file if the credit file data includes video data; or If the credit file data includes non-video data, the mobile credit server generates a PDF document from the non-video data and uses the PDF document as the first credit file; or, If the credit file data includes video data and non-video data, the mobile credit server generates a PDF document from the non-video data, and uses the PDF document and the video data as the first credit file.

12. An electronic device, characterized in that: The electronic device comprises: at least one processor and a memory; The memory stores computer-executable instructions; The at least one processor executes the computer-executable instructions stored in the memory, so that the electronic device performs the method described in claim 7 or 8.

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 8 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 8 when being executed by a processor.

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