Online homework processing method, device and system

Abstract

The present invention discloses an online operation processing method, device and system, and relates to the field of financial technology, wherein the method comprises: receiving an online operation processing request from a user terminal, the request comprising: user information and loan amount; judging whether the visa-free function corresponding to the request is enabled according to the user information; in response to the judgment result being enabled, judging whether the loan amount is less than or equal to the limit corresponding to the visa-free function; in response to the judgment result being yes, performing a short message signature verification operation through the user terminal and performing a face recognition operation on the user; performing a visa-free operation corresponding to the online operation processing request according to the short message signature verification result and the face recognition result. Through the present invention, a visa-free loan application operation without a U-shield can be realized, and the online loan experience of customers in areas with fewer bank branches can be improved.

Description

Technical Field

[0001] The present invention relates to the field of financial technology, and in particular to an online operation processing method, device and system. Background Art

[0002] At present, when small and micro bank customers apply for loans on mobile banking, regardless of the amount, they must use a U-shield or password device to verify their signature.

[0003] As the customer base continues to expand, more and more customer groups in remote or rural areas have become the target customers of quick loans. However, due to the shallow penetration of bank branches, customers are unable to go to branches in time for maintenance when their U-Shield is lost or expires, resulting in the inability to apply for online loans, which greatly reduces the user experience of such customer groups. Summary of the invention

[0004] In view of this, the present invention provides an online job processing method, device and system to solve at least one of the above-mentioned problems.

[0005] According to a first aspect of the present invention, there is provided an online homework processing method, the method comprising:

[0006] Receiving an online job processing request from a user terminal, the request including: user information and loan amount;

[0007] Determining whether the visa-free function corresponding to the request is enabled according to the user information;

[0008] In response to the judgment result being that the application is enabled, judging whether the loan amount is less than or equal to the limit corresponding to the visa-free function;

[0009] In response to a yes judgment result, performing a SMS signature verification operation through the user terminal and performing a face recognition operation on the user;

[0010] The signature-free operation corresponding to the online job processing request is performed according to the SMS signature verification result and the face recognition result.

[0011] According to a second aspect of the present invention, there is provided an online job processing device, the device comprising:

[0012] A request receiving unit, used to receive an online job processing request from a user terminal, the request including: user information and loan amount;

[0013] A visa-free determination unit, configured to determine whether a visa-free function corresponding to the request is enabled according to the user information;

[0014] A limit determination unit, configured to determine, in response to a determination result of activation, whether the loan limit is less than or equal to a limit corresponding to the visa-free function;

[0015] a verification unit, configured to, in response to a judgment result of yes, perform a text message signature verification operation through the user terminal and perform a face recognition operation on the user;

[0016] The visa-free operation unit is used to perform the visa-free operation corresponding to the online job processing request according to the SMS signature verification result and the face recognition result.

[0017] According to a third aspect of the present invention, there is provided an online homework processing system, the system comprising: the above-mentioned online homework processing apparatus and a user terminal.

[0018] According to a fourth aspect of the present invention, there is provided an electronic device, comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor implements the steps of the above method when executing the program.

[0019] According to a fifth aspect of the present invention, there is provided a computer-readable storage medium having a computer program stored thereon, which implements the steps of the above method when executed by a processor.

[0020] It can be seen from the above technical solution that by judging whether the visa-free function corresponding to the request is activated based on the user information in the received online job processing request, when the judgment result is activated, judging whether the loan amount is less than or equal to the limit corresponding to the visa-free function, when the judgment result is yes, performing a text message signature verification operation through the user terminal and performing a face recognition operation on the user, and then executing the visa-free operation corresponding to the online job processing request based on the text message signature verification result and the face recognition result, through this technical solution, the visa-free loan application operation without U-shield can be realized, thereby improving the online loan experience of customers in areas with fewer bank branches. BRIEF DESCRIPTION OF THE DRAWINGS

[0021] In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings required for use in the embodiments or the description of the prior art will be briefly introduced below. Obviously, the drawings described below are some embodiments of the present invention. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying creative work.

[0022] Figure 1 is a flow chart of an online homework processing method according to an embodiment of the present invention;

[0023] Figure 2 is a detailed flow chart of online loan application according to an embodiment of the present invention;

[0024] Figure 3 is a structural block diagram of an online homework processing system according to an embodiment of the present invention;

[0025] Figure 4 is a structural block diagram of an online homework processing device 1 according to an embodiment of the present invention;

[0026] Figure 5 It is a schematic block diagram of the system structure of the electronic device 600 according to an embodiment of the present invention. DETAILED DESCRIPTION

[0027] In order to make the purpose, technical solution and advantages of the embodiments of the present invention clearer, the technical solution in the embodiments of the present invention will be clearly and completely described below in conjunction with the drawings in the embodiments of the present invention. Obviously, the described embodiments are part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of the present invention.

[0028] Since there are fewer bank branches in remote areas, customers cannot go to the branch for maintenance in time when the U-Shield is lost or expired, which makes it impossible to apply for online loan applications, reducing the experience of such customer groups. Based on this, an embodiment of the present invention provides an online operation processing solution, which is applicable to online loan application business. By setting loan limits, SMS signature verification and face recognition operations, a signature-free loan application operation without a U-Shield (or other password device) is realized, thereby improving the online loan experience of customers in areas with fewer bank branches. The following is a detailed description of the embodiments of the present invention in conjunction with the accompanying drawings.

[0029] Figure 1 is a flow chart of an online homework processing method according to an embodiment of the present invention. Figure 1 As shown, the method includes:

[0030] Step 101, receiving an online job processing request from a user terminal, wherein the request includes: user information and loan amount.

[0031] Step 102: determine whether the visa-free function corresponding to the request is enabled according to the user information.

[0032] Step 103, in response to the judgment result being that the loan is activated, it is judged whether the loan amount is less than or equal to the limit corresponding to the visa-free function.

[0033] When the visa-free function is not enabled, a non-visa-free operation (i.e., an operation based on U-Shield verification) corresponding to the online job processing request may be performed according to the loan amount.

[0034] In actual operation, the limits corresponding to the visa-free function include: single limit, daily limit and monthly limit. Specifically, it can be determined whether the loan amount is less than or equal to the limit corresponding to the visa-free function based on the single limit, daily limit and monthly limit.

[0035] Step 104, in response to the judgment result being yes, performing a text message signature verification operation through the user terminal and performing a face recognition operation on the user.

[0036] When the loan amount is greater than the limit corresponding to the visa-free function, the user needs to be prompted to adjust the loan amount, or to be prompted whether to use a non-visa-free operation process.

[0037] Step 105, executing a signature-free operation corresponding to the online job processing request according to the SMS signature verification result and the face recognition result.

[0038] By judging whether the visa-free function corresponding to the request is activated according to the user information in the received online job processing request, when the judgment result is activated, judging whether the loan amount is less than or equal to the limit corresponding to the visa-free function, when the judgment result is yes, performing a text message signature verification operation through the user terminal and performing a face recognition operation on the user, and then executing the visa-free operation corresponding to the online job processing request according to the text message signature verification result and the face recognition result, the visa-free loan application operation without U-shield can be realized through the embodiment of the present invention, thereby improving the online loan experience of customers in areas with fewer bank branches.

[0039] In order to better understand the present invention, a specific example of online bank loan is given below.

[0040] This example mainly provides individual customers with the function of completing the signature verification by SMS + face scanning (i.e., face recognition) in the online loan process. By limiting the single application amount filled in by the channel customer, the channel side can be flexibly controlled to allow qualified customers to choose the simple signature verification method without U shield. In terms of the overall implementation idea, first of all, the single payment limit parameter without U shield in the model dimension should be added to the system; secondly, when the customer logs in to the channel side, the verification rule of the current loan entrance for the customer to have U shield or password device should be adjusted to judge the verification according to the model parameters; finally, in the loan application process, if the loan amount does not exceed the "U shield limit", after completing the SMS signature verification on the loan information entry page, the customer can perform face verification on the signature verification interface of the loan information confirmation page, and perform the signature verification operation through the mobile banking face recognition control to complete the loan application. After the authentication is passed, the customer's on-site authentication image will be attached to the loan contract for subsequent review by the account manager.

[0041] Specifically, the parameters of "U-Shield-free single payment limit", "U-Shield-free daily cumulative payment limit", and "U-Shield-free monthly cumulative payment limit" are pre-set and uniformly configured by the management personnel. During the loan application process, if the application amount is less than the single payment limit and the daily payment balance, the U-Shield signature verification step can be waived. The daily payment balance is calculated using the "U-Shield-free daily cumulative payment limit" and "U-Shield-free monthly cumulative payment limit" parameters.

[0042] On the customer terminal, for example, the mobile banking terminal, add the "Authentication Limit" menu to view the free U-Shield limit information. If the free U-Shield switch is turned on in the customer's whitelist model, you can view the single, daily, and monthly free U-Shield limits in this menu, as well as the daily and monthly withdrawal limits through the free U-Shield mode. At the same time, add a face recognition control switch on the mobile banking terminal, and the switch information is stored in the general parameter table value, and the activation of face recognition is controlled according to the parameter value.

[0043] In actual operation, in the system parameter maintenance menu, set the model parameters "U-Shield-free single payment limit (RMB)", "U-Shield-free daily cumulative limit (RMB)" and "U-Shield-free monthly cumulative limit (RMB)". They are managed by the management personnel and are used to control mobile banking U-Shield-free payments by institution + model dimensions. When obtaining the parameter value of "U-Shield-free single payment limit (Yuan)", the parameters are taken upward from the current institution (branch level) level by level to obtain the parameter value greater than 0 set at the lowest institution level. If all "U-Shield-free single payment limit (Yuan)" parameter values ​​are 0, the parameter value is 0; the "U-Shield-free daily cumulative limit (Yuan)" and "U-Shield-free monthly cumulative limit (Yuan)" parameters are initially grayed out. When the "U-Shield-free single payment limit (Yuan)" value is not 0, the daily / monthly cumulative limit parameter becomes modifiable; when the "U-Shield-free single payment limit (Yuan)" value is modified and is not 0 after modification, the daily / monthly cumulative limit parameter becomes modifiable. When saving parameters, the following verification is performed: 1) Verify that "U-Shield-free single payment limit (yuan)" <= "U-Shield-free daily cumulative limit (yuan)". If it does not meet the requirement, a prompt will be given that "U-Shield-free single payment limit shall not be greater than the daily cumulative limit."; 2) Verify that "U-Shield-free daily cumulative limit (yuan)" <= "U-Shield-free monthly cumulative limit (yuan)". If it does not meet the requirement, a prompt will be given that "U-Shield-free daily cumulative limit shall not be greater than the monthly cumulative limit."; 3) If the value of "U-Shield-free single payment limit (yuan)" is not 0, "U-Shield-free daily cumulative limit (yuan)" and "U-Shield-free monthly cumulative limit (yuan)" must be entered. The rule for obtaining the limit of U-Shield-free payment is to obtain parameters from the current institution (branch level) upward step by step, and obtain the parameter value set by the lowest institution level that is greater than 0. If all parameter values ​​are 0, the parameter value is 0.

[0044] The following combination Figure 2 Give the specific loan application process, such as Figure 2 As shown, the process includes:

[0045] For risk prevention and control purposes, an "Authentication Limit" button is added to the mobile banking terminal. When the customer clicks the Authentication Limit button, the system jumps to the "Authentication Limit" page; the page obtains the "U-Shield-free Single Payment Limit (Yuan)" parameter value and the "Face Recognition Switch" parameter value in the current scenario from the system. If the switch parameter value is "off" or the limit parameter value is equal to 0, the U-Shield-free closing page is displayed, and the page displays "Sorry, you currently have no authentication limit information to view." If the switch parameter value is "on" and the limit parameter value is greater than 0, the U-Shield-free opening page is displayed. The page displays the "Application limit without U-Shield authentication", "Single application limit", "Daily cumulative application limit", "Monthly cumulative application limit" and a friendly reminder "Within your current loan limit, if the loan amount of your single application does not exceed the above limit, you can authenticate by scanning your face. If you use U-Shield (or password device) for authentication, you will not be subject to the above limit control." After the customer applies for a withdrawal on the personal mobile banking and passes the SMS verification, the face authentication (face recognition) function item is added before the signature verification process on the loan information confirmation page. When the customer completes the information confirmation on the "Loan Information Confirmation" page and clicks the "Next" button to start authentication, the system determines whether the customer has retained facial information. If the customer has not retained facial information, the customer will be prompted "Dear customer, this loan requires facial recognition authentication. You must activate the bank's facial recognition function. Click the "OK" button to start facial recognition authentication. Click the "Cancel" button to terminate this application. After facial recognition is successfully activated, the bank will retain and strictly save your photo information, which will only be used when you use bank-related functions and apply for a loan for identity authentication. Please keep the reserved information for personal facial recognition properly to prevent others from stealing or impersonating." If the customer has retained facial information If the customer passes the facial recognition, the system will pop up a system prompt and exit the business. If the customer clicks to close the facial recognition window midway and returns to the "Loan Information Confirmation" page, the customer will click the "Next" button again. When the customer meets the conditions for U-Shield-free signature verification, he / she can apply for a withdrawal on the personal mobile banking and pass the SMS verification. After completing the confirmation on the loan information confirmation page, the application can be completed without signature verification.

[0046] For loan contracts applied for through facial recognition authentication, the image will be attached to the loan contract after the authentication is passed. For loan contracts that have completed signature verification through facial recognition, when saving loan information, [Customer Authentication Type] is saved as "Face Recognition" and [Media Serial Number] is saved as "None". After facial recognition verification, the customer completes the information input on the "Make a Loan Plan" page and clicks "Next". The system will obtain the corresponding "U-Shield-free Single Payment Limit (Yuan)" parameter value and compare it with the loan amount entered by the customer: When the loan amount <= U-Shield-free Single Payment Limit, the U-Shield-free signature verification requirements are met and the process continues; when the loan amount > U-Shield-free Single Payment Limit, the U-Shield-free signature verification requirements are not met, and the customer is checked to see if other signature verification media (U-Shield / Password Device) have been activated. If the customer has activated other signature verification media, The subsequent process is the same as the existing application process (without U-shield signature verification). If the customer has not opened other signature verification media, a prompt box will pop up, "Dear customer, you can adjust the loan amount to less than XXXX yuan and use a non-media authentication method, or go to the nearest bank branch to apply for a U-shield or electronic password device.", where XXXX is the parameter value of "U-shield-free single payment limit (yuan)". After the customer clicks "OK", it stays on the "Make a Loan Plan Page" and waits for the customer to modify the loan information; at the same time, the system cancels the original U-shield / password device signature verification. At the same time, the system obtains the parameter values ​​of "U-shield-free payment daily cumulative limit (yuan)" and "U-shield-free payment monthly cumulative limit (yuan)". If the parameter value is not empty, the U-shield-free payment limit for the day is calculated. Table 1 is an example of the limit parameters:

[0047]

[0048]

[0049] Table 1

[0050] The total amount that can be applied for without U-Shield in the current month = the monthly cumulative application limit - the monthly cumulative application limit (used); the total amount of U-Shield-free payments on the current day = MIN (the total amount that can be applied for without U-Shield in the current month - the daily cumulative application limit (used), the daily cumulative application limit), where MIN is the smaller operation. If the total amount of U-Shield-free payments on the current day is <0, then 0 is taken; the U-Shield-free payment limit on the current day = the total amount of U-Shield-free payments on the current day - the daily cumulative application limit (used); if the U-Shield-free payment limit on the current day is <0, then 0 is taken; when the customer's loan amount is > the U-Shield-free payment limit on the current day, the U-Shield-free signature verification requirements are not met, and the customer is verified to see if other signature verification media (U-Shield / password device) have been opened, and the subsequent process is the same as the existing process; when the customer's loan amount is <= the U-Shield-free payment limit on the current day, the U-Shield-free signature verification requirements are met, and the subsequent process is the same as the existing process; if any parameter value is empty, the verification calculation is skipped.

[0051] For loan contracts that require facial recognition authentication, after the authentication is passed, the system will obtain the image number returned by the facial recognition control and attach the image to the corresponding loan contract, with the image type being "Other relevant customer information". After the image attachment is completed, the borrower's facial recognition image can be viewed in the "Pre-approval Management Menu", "Customer Unified Risk View" and other menus where contract details can be viewed, by querying the image subpage, under the category of "Other relevant customer information". For loan contracts that have been signed and verified by facial recognition, when saving the loan information, [Customer Authentication Type] is saved as "Face Recognition" and [Media Serial Number] is saved as "None".

[0052] In the specific implementation process, the customer initiates a loan operation through mobile banking and enters the authentication process. Mobile banking collects the customer's facial photo information by waving the mobile device camera and transmits the customer's facial photo to the collection server. The biometric authentication platform verifies the facial photo feature value between the background server and the collection server, and informs the initiator (mobile banking) of the verification result through the service. Mobile banking performs rigid control of the business process based on the biometric recognition result.

[0053] In the embodiment of the present invention, in addition to the above-mentioned control of the single, single-day, and monthly cumulative limits on whether to use facial recognition for loan applications, the real-time approval + strategy function provided by the decision engine can also be used to implement real-time automatic approval rules based on the risk model and business rules designed based on machine learning results, third-party data, and customer scores and ratings deployed online with our bank's stock data, so as to achieve the purpose of integrated risk control in the whole process. When the customer completes the biometric verification, the system will send the instruction to allow withdrawal to the decision engine system. The decision engine confirms the subsequent real-time approval decision flow based on the product, model, verification method and other factor information received from the instruction, and implements millisecond-level rule set verification in accordance with the risk model and business rules designed in the early stage through machine learning results, third-party data, and the rules deployed online with our bank's stock data, and forms rigid control over the withdrawal process, thereby achieving differentiated risk control.

[0054] Based on similar inventive concepts, the embodiment of the present invention also provides an online homework processing system, such as Figure 3 As shown, the system includes: an online homework processing device 1 and a user terminal 2, wherein the online homework processing device 1 can preferably be used to implement the process of the above-mentioned online homework processing method.

[0055] Figure 4 is a structural block diagram of the online job processing device 1, such as Figure 4 As shown, the online job processing device 1 includes: a request receiving unit 11, a visa-free determination unit 12, a limit determination unit 13, a verification unit 14 and a visa-free operation unit 15, wherein:

[0056] The request receiving unit 11 is used to receive an online job processing request from a user terminal, wherein the request includes user information and a loan amount.

[0057] The visa-free determination unit 12 is used to determine whether the visa-free function corresponding to the request is enabled according to the user information.

[0058] The credit limit determination unit 13 is used to determine whether the loan limit is less than or equal to the limit corresponding to the visa-free function in response to the determination result that the loan is enabled.

[0059] The limits here include: single limit, daily limit and monthly limit. The limit judgment unit is specifically used to: judge whether the loan limit is less than or equal to the limit corresponding to the visa-free function according to the single limit, daily limit and monthly limit.

[0060] The verification unit 14 is used to perform a text message signature verification operation through the user terminal and perform a face recognition operation on the user in response to the judgment result being yes.

[0061] The visa-free operation unit 15 is used to perform a visa-free operation corresponding to the online job processing request according to the SMS signature verification result and the face recognition result.

[0062] The visa-free judgment unit 12 judges whether the visa-free function corresponding to the request is activated according to the user information in the online job processing request received by the request receiving unit 11. When the judgment result is activated, the loan limit judgment unit 13 judges whether the loan limit is less than or equal to the limit corresponding to the visa-free function. When the judgment result is yes, the verification unit 14 performs a text message signature verification operation through the user terminal and performs a face recognition operation on the user. Thereafter, the visa-free operation unit 15 executes the visa-free operation corresponding to the online job processing request according to the text message signature verification result and the face recognition result. Through the embodiment of the present invention, the visa-free loan application operation without U-shield can be realized, thereby improving the online loan experience of customers in areas with fewer bank branches.

[0063] In actual operation, the above-mentioned device 1 also includes: a non-visa-free operation unit, which is used to perform non-visa-free operations corresponding to the online job processing request according to the loan amount when the visa-free function is not activated, for example, operations verified by U-shield or password device.

[0064] The above-mentioned device 1 also includes: a prompting unit, which is used to prompt the user to adjust the loan amount when the loan amount is greater than the limit corresponding to the visa-free function.

[0065] The specific execution process of each of the above units can be found in the description of the above method embodiment, which will not be repeated here.

[0066] In actual operation, the above-mentioned units may be provided in combination or individually, and the present invention is not limited thereto.

[0067] This embodiment also provides an electronic device, which can be a desktop computer, a tablet computer, a mobile terminal, etc., but this embodiment is not limited thereto. In this embodiment, the electronic device can be implemented with reference to the above method embodiment and the embodiment of the online job processing device / system, the contents of which are incorporated herein, and the repeated parts are not repeated.

[0068] Figure 5 FIG. 6 is a schematic block diagram of a system structure of an electronic device 600 according to an embodiment of the present invention. Figure 5 As shown, the electronic device 600 may include a central processor 100 and a memory 140; the memory 140 is coupled to the central processor 100. It should be noted that this figure is exemplary; other types of structures may also be used to supplement or replace this structure to implement telecommunication functions or other functions.

[0069] In one embodiment, the online homework processing function may be integrated into the central processing unit 100. The central processing unit 100 may be configured to perform the following control:

[0070] Receiving an online job processing request from a user terminal, the request including: user information and loan amount;

[0071] Determining whether the visa-free function corresponding to the request is enabled according to the user information;

[0072] In response to the judgment result being that the application is enabled, judging whether the loan amount is less than or equal to the limit corresponding to the visa-free function;

[0073] In response to a yes judgment result, performing a SMS signature verification operation through the user terminal and performing a face recognition operation on the user;

[0074] The signature-free operation corresponding to the online job processing request is performed according to the SMS signature verification result and the face recognition result.

[0075] From the above description, it can be seen that the electronic device provided in the embodiment of the present application determines whether the visa-free function corresponding to the request is activated based on the user information in the received online job processing request. When the judgment result is activated, it determines whether the loan amount is less than or equal to the limit corresponding to the visa-free function. When the judgment result is yes, a text message signature verification operation is performed through the user terminal, and a face recognition operation is performed on the user. Then, the visa-free operation corresponding to the online job processing request is executed according to the text message signature verification result and the face recognition result. Through the embodiment of the present invention, a visa-free loan application operation without a U-shield can be realized, thereby improving the online loan experience of customers in areas with fewer bank branches.

[0076] In another embodiment, the online job processing device / system may be configured separately from the central processor 100. For example, the online job processing device / system may be configured as a chip connected to the central processor 100, and the online job processing function may be implemented through the control of the central processor.

[0077] like Figure 5 As shown, the electronic device 600 may further include: a communication module 110, an input unit 120, an audio processor 130, a display 160, and a power supply 170. It is worth noting that the electronic device 600 does not necessarily have to include Figure 5 In addition, the electronic device 600 may also include Figure 5 For components not shown, reference may be made to the prior art.

[0078] like Figure 5 As shown, the central processor 100 is sometimes also referred to as a controller or an operation control, and may include a microprocessor or other processor devices and / or logic devices. The central processor 100 receives inputs and controls the operations of various components of the electronic device 600.

[0079] The memory 140 may be, for example, one or more of a cache, a flash memory, a hard drive, a removable medium, a volatile memory, a non-volatile memory or other suitable devices. The above-mentioned information related to the failure may be stored, and a program for executing the relevant information may also be stored. The CPU 100 may execute the program stored in the memory 140 to implement information storage or processing.

[0080] The input unit 120 provides input to the CPU 100. The input unit 120 is, for example, a key or a touch input device. The power supply 170 is used to provide power to the electronic device 600. The display 160 is used to display display objects such as images and text. The display may be, for example, an LCD display, but is not limited thereto.

[0081] The memory 140 may be a solid-state memory, such as a read-only memory (ROM), a random access memory (RAM), a SIM card, etc. It may also be a memory that retains information even when power is off, can be selectively erased, and has more data, an example of which is sometimes referred to as an EPROM, etc. The memory 140 may also be some other type of device. The memory 140 includes a buffer memory 141 (sometimes referred to as a buffer, Figure 5 The memory 140 may include an application / function storage unit 142 ( Figure 5The application / function storage unit 142 is used to store application programs and functional programs or processes for executing operations of the electronic device 600 through the central processing unit 100.

[0082] The memory 140 may further include a data storage unit 143 ( Figure 5 The data storage unit 143 is used to store data, such as contacts, digital data, pictures, sounds and / or any other data used by the electronic device. Figure 5 The application program (hereinafter referred to as driver program) may include various driver programs for communication functions of the electronic device and / or for executing other functions of the electronic device (such as messaging applications, address book applications, etc.).

[0083] The communication module 110 is a transmitter / receiver that transmits and receives signals via the antenna 111. The communication module (transmitter / receiver) 110 is coupled to the central processor 100 to provide input signals and receive output signals, which may be the same as the case of a conventional mobile communication terminal.

[0084] Based on different communication technologies, multiple communication modules 110 may be provided in the same electronic device, such as a cellular network module, a Bluetooth module and / or a wireless LAN module. The communication module (transmitter / receiver) 110 is also coupled to a speaker 131 and a microphone 132 via an audio processor 130 to provide an audio output via the speaker 131 and receive an audio input from the microphone 132, thereby realizing a common telecommunication function. The audio processor 130 may include any suitable buffer, decoder, amplifier, etc. In addition, the audio processor 130 is also coupled to the central processor 100, so that the sound can be recorded on the local machine through the microphone 132, and the sound stored on the local machine can be played through the speaker 131.

[0085] The embodiment of the present invention further provides a computer-readable storage medium on which a computer program is stored. When the computer program is executed by a processor, the steps of the above-mentioned online job processing method are implemented.

[0086] In summary, in order to provide customers with more efficient and convenient financing services and meet the financing needs of customer groups in remote areas, the embodiment of the present invention adds a facial recognition control + SMS verification code verification method when customers apply for small loans for customers to choose. In order to control the risk of loan issuance and expand the scope of application, three parameters, namely, each limit, daily limit and monthly limit, are added to avoid U-shield signature verification, which are used to control each time, daily total and monthly total of customer withdrawals, respectively, which improves the customer experience while avoiding loan risks.

[0087] The preferred embodiments of the present invention are described above with reference to the accompanying drawings. Many features and advantages of these embodiments are clear from this detailed description, and therefore the claims are intended to cover all such features and advantages of these embodiments that fall within their true spirit and scope. In addition, since many modifications and changes are easily conceivable to those skilled in the art, it is not intended to limit the embodiments of the present invention to the precise structure and operation illustrated and described, but all suitable modifications and equivalents falling within its scope may be covered.

[0088] Those skilled in the art will appreciate that embodiments of the present invention may be provided as methods, systems, or computer program products. Therefore, the present invention may take the form of a complete hardware embodiment, a complete software embodiment, or an embodiment combining software and hardware. Moreover, the present invention may take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0089] The present invention is described with reference to flowcharts and / or block diagrams of methods, devices (systems), and computer program products according to embodiments of the present invention. It should be understood that each process and / or block in the flowchart and / or block diagram, as well as the combination of processes and / or blocks in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing device to produce a machine, so that the instructions executed by the processor of the computer or other programmable data processing device generate instructions for implementing the processes in the flowchart and / or block diagram. Figure 1 A process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0090] These computer program instructions may also be stored in a computer-readable memory capable of directing a computer or other programmable data processing device to operate in a specific manner, so that the instructions stored in the computer-readable memory produce an article of manufacture including an instruction device, which implements the process Figure 1 A process or multiple processes and / or boxes Figure 1 A function specified in one or more boxes.

[0091] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operating steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing instructions for implementing the process in the computer or other programmable device. Figure 1 A process or multiple processes and / or boxes Figure 1 The steps for the functions specified in one or more boxes.

[0092] The present invention uses specific embodiments to illustrate the principles and implementation methods of the present invention. The description of the above embodiments is only used to help understand the method of the present invention and its core idea. At the same time, for those skilled in the art, according to the idea of ​​the present invention, there will be changes in the specific implementation methods and application scope. In summary, the content of this specification should not be understood as a limitation on the present invention.

Claims

1. An online homework processing method, characterized in that: The method comprises: Receiving an online job processing request from a user terminal, the request including: user information and loan amount; Determining whether the visa-free function corresponding to the request is enabled according to the user information; In response to the judgment result being that the application is enabled, judging whether the loan amount is less than or equal to the limit corresponding to the visa-free function; In response to a yes judgment result, performing a SMS signature verification operation through the user terminal and performing a face recognition operation on the user; Execute the visa-free operation corresponding to the online job processing request according to the SMS signature verification result and the face recognition result; The limits include: single limit, daily limit and monthly limit. The determination of whether the loan amount is less than or equal to the limit corresponding to the visa-free function includes: Determine whether the loan amount is less than or equal to the limit corresponding to the visa-free function based on the single limit, the daily limit and the monthly limit; Among them, the value logic of the single limit is to obtain the parameter value of "U-Shield-free single payment limit" in the current scenario; the value logic of the daily limit is to obtain the parameter value of "U-Shield-free daily cumulative limit" in the current scenario; the value logic of the monthly limit is to obtain the parameter value of "U-Shield-free monthly cumulative limit" in the current scenario. The U-Shield-free single payment limit, U-Shield-free daily cumulative limit, and U-Shield-free monthly cumulative limit are configured by management personnel; The limits also include: the used daily limit and the used monthly limit; the value-taking logic of the used daily limit is to obtain the contract information under the customer's name on that day and calculate the total amount of U-Shield-free applications on that day; the value-taking logic of the used monthly limit is to obtain the contract information under the customer's name on that month and calculate the total amount of U-Shield-free applications for business quick loans in that month.

2. The method according to claim 1, characterized in that When the visa-free function is not enabled, the method further includes: A non-signature-free operation corresponding to the online job processing request is performed according to the loan amount.

3. The method according to claim 1, characterized in that When the loan amount is greater than the limit corresponding to the visa-free function, the method further includes: The user is prompted to adjust the loan amount.

4. An online job processing device, characterized in that: The device comprises: A request receiving unit, used to receive an online job processing request from a user terminal, the request including: user information and loan amount; A visa-free determination unit, configured to determine whether a visa-free function corresponding to the request is enabled according to the user information; A limit determination unit, configured to determine, in response to a determination result of activation, whether the loan limit is less than or equal to a limit corresponding to the visa-free function; a verification unit, configured to, in response to a judgment result of yes, perform a text message signature verification operation through the user terminal and perform a face recognition operation on the user; A visa-free operation unit, used to perform a visa-free operation corresponding to the online job processing request according to the SMS signature verification result and the face recognition result; The limits include: single limit, daily limit and monthly limit. The determination of whether the loan amount is less than or equal to the limit corresponding to the visa-free function includes: Determine whether the loan amount is less than or equal to the limit corresponding to the visa-free function based on the single limit, the daily limit and the monthly limit; Among them, the value logic of the single limit is to obtain the parameter value of "U-Shield-free single payment limit" in the current scenario; the value logic of the daily limit is to obtain the parameter value of "U-Shield-free daily cumulative limit" in the current scenario; the value logic of the monthly limit is to obtain the parameter value of "U-Shield-free monthly cumulative limit" in the current scenario. The U-Shield-free single payment limit, U-Shield-free daily cumulative limit, and U-Shield-free monthly cumulative limit are configured by management personnel; The limits also include: the used daily limit and the used monthly limit; the value-taking logic of the used daily limit is to obtain the contract information under the customer's name on that day and calculate the total amount of U-Shield-free applications on that day; the value-taking logic of the used monthly limit is to obtain the contract information under the customer's name on that month and calculate the total amount of U-Shield-free applications for business quick loans in that month.

5. The device according to claim 4, characterized in that The device also includes: The non-visa-free operation unit is used to perform a non-visa-free operation corresponding to the online operation processing request according to the loan amount when the visa-free function is not activated.

6. The device according to claim 4, characterized in that The device also includes: The prompting unit is used to prompt the user to adjust the loan amount when the loan amount is greater than the limit corresponding to the visa-free function.

7. An online homework processing system, characterized in that: The system comprises: an online job processing device and a user terminal as claimed in any one of claims 4 to 6.

8. An electronic device comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, characterized in that: When the processor executes the program, the steps of the method according to any one of claims 1 to 3 are implemented.

9. A computer-readable storage medium having a computer program stored thereon, characterized in that: When the computer program is executed by a processor, the steps of the method according to any one of claims 1 to 3 are implemented.

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