A light-asset full-process operation method, device and electronic equipment

Abstract

The present invention relates to the field of computer technology, and specifically to a method, device and electronic device for light asset full-process operation, including: obtaining resource lending information submitted by a user, performing label matching on the resource lending information, and obtaining matching results; configuring multiple product partners according to the matching results; performing liveness verification on the user to obtain user credit; sending the user credit to one or more product partners through preset distribution rules, and displaying the product page of the product partner. The present invention uses liveness verification to extract user information and protect information security, and uses preset distribution rules to distribute more suitable product organizations to users, ensuring that while providing high-quality customers to product organizations, it also provides better services to users.

Description

Technical Field

[0001] The present invention relates to the field of computer technology, and in particular to a light-asset full-process operation method, device and electronic equipment. Background Art

[0002] Zhixin Platform is based on user identification and business data, intelligent distribution of users in layers, access to licensed financial institutions, and adaptation of products that better meet user preferences. Technically, it provides users with a platform for multi-product application through application program interface docking. It aims to jointly serve platform users through the products of financial institutions. Users operate at the front end throughout the process, and the front end and institutions exchange information online in real time through interfaces. Institutions set prices independently, and product attributes are subject to institutions. From the market perspective, the existing full loan-over-extension model is gradually not the mainstream in the market. Even if it exists, it is basically a volume-rejecting operation, which is not combined with the operation of self-operated users. From an operational perspective, it is a relatively negative or passive form. Most of the existing light-asset process platforms can provide institutions with marginal and dormant accounts, which cannot meet the demands of financial institutions to operate high-quality users. At the same time, there is a lack of protection for user privacy and security when authenticating user information. Summary of the invention

[0003] The present invention provides a light-asset full-process operation method, device and electronic equipment for increasing the delivery volume of high-quality users while protecting user privacy and security.

[0004] The embodiment of this specification provides a light asset full-process operation method, including:

[0005] Obtain resource lending information submitted by the user, perform tag matching on the resource lending information, and obtain a matching result;

[0006] configuring multiple product partners according to the matching results;

[0007] Performing liveness verification on the user to obtain user credit;

[0008] The user credit is sent to one or more product partners through preset distribution rules, and the product pages of the product partners are displayed.

[0009] Preferably, after configuring a plurality of product partners according to the matching results, the method further comprises:

[0010] Obtain additional user data through the product partners described above;

[0011] generating supplementary information and a protocol based on the resource lending information and the additional user data;

[0012] The supplementary information and the protocol are displayed on the user interface in response to the user's first submission operation instruction.

[0013] Preferably, the performing liveness verification on the user includes:

[0014] Detecting whether the user has a resource loan card binding record;

[0015] When there is no binding record for the user, guiding the user to bind a resource loan card;

[0016] When the user has a binding record, it is determined whether the resource loan card has the authority for the distribution partner to bind the resource loan card to the product partner.

[0017] Preferably, the determining whether the resource loan card has the authority for the distribution partner to bind the resource loan card to the product partner includes:

[0018] When the resource loan card has the authority for the distribution partner to bind the resource loan card to the product partner, the distribution partner binds the resource loan card to the product partner;

[0019] When the resource loan card does not have the authority for the distribution partner to bind the resource loan card to the product partner, the user is guided to supplement the resource loan card authentication.

[0020] Preferably, the product page displaying the product partner includes:

[0021] The product partner approves the user's credit;

[0022] When the product partner approves the user's credit, the product page of the product partner is displayed;

[0023] When the product partner fails to approve the user's credit, the product page of the product partner is refused to be displayed.

[0024] Preferably, the resource lending information includes: a resource lending request;

[0025] After displaying the product page of the product partner, including:

[0026] Detecting the user's capital inflow and capital outflow according to the resource lending request to obtain the user's resource lending quota;

[0027] Determine whether the resource loan amount in the resource loan request occupies the resource loan quota of the user, and return the loan result to the user.

[0028] Preferably, the determining whether the resource loan amount in the resource loan request occupies the resource loan quota of the user includes:

[0029] When the resource loan amount occupies the resource loan quota of the user, the resource loan quota of the user is calculated by the product partner, and the calculation result and supplementary agreement are displayed;

[0030] In response to the user's second submission operation instruction, generate a product partner loan note and distribute the partner loan note;

[0031] The product partner examines and approves the product partner's loan note, and the distribution partner examines and approves the distribution partner's loan note.

[0032] Preferably, the determining whether the resource loan amount in the resource loan request occupies the resource loan quota of the user includes:

[0033] When the resource loan amount does not occupy the resource loan quota of the user, display the supplementary agreement;

[0034] In response to the user's third submission operation instruction, generate a distribution partner loan note;

[0035] The distribution partner examines and approves the distribution partner loan note.

[0036] The embodiment of this specification also provides a light asset full-process operation device, including:

[0037] The tag matching module is used to obtain the resource lending information submitted by the user, perform tag matching on the resource lending information, and obtain a matching result;

[0038] A configuration module, configured to configure multiple product partners according to the matching results;

[0039] A verification module, used to perform liveness verification on the user and obtain user credit;

[0040] The distribution module is used to send the user's credit to one or more product partners according to preset distribution rules and display the product pages of the product partners.

[0041] An electronic device, wherein the electronic device comprises:

[0042] A processor and a memory storing a computer executable program, wherein when the executable program is executed, the processor executes any one of the methods described above.

[0043] A computer-readable storage medium stores one or more programs, and when the one or more programs are executed by a processor, the one or more programs implement any of the methods described above.

[0044] The present invention utilizes liveness verification to realize the extraction of user information and information security protection, and utilizes preset distribution rules to realize the distribution of more suitable product organizations to users, thereby ensuring the provision of high-quality customers to product organizations while also providing convenience for self-operated products. BRIEF DESCRIPTION OF THE DRAWINGS

[0045] The drawings described herein are used to provide a further understanding of the present application and constitute a part of the present application. The illustrative embodiments of the present application and their descriptions are used to explain the present application and do not constitute an improper limitation on the present application. In the drawings:

[0046] Figure 1 This is a hardware structure block diagram of a light-asset full-process operation mobile terminal according to an embodiment of this specification;

[0047] Figure 2 A schematic diagram of the principle of a light asset full-process operation method provided in the embodiments of this specification;

[0048] Figure 3 A schematic diagram of the structure of a light-asset, full-process operation device provided in an embodiment of this specification. DETAILED DESCRIPTION

[0049] Exemplary embodiments of the present invention will now be described more fully with reference to the accompanying drawings. However, exemplary embodiments can be implemented in a variety of forms, and should not be construed as limiting the present invention to the embodiments set forth herein. On the contrary, providing these exemplary embodiments enables the present invention to be more comprehensive and complete, and is more convenient for fully conveying the inventive concept to those skilled in the art. The same reference numerals in the figures represent the same or similar elements, components or parts, and thus their repeated description will be omitted.

[0050] Under the premise of being consistent with the technical concept of the present invention, the features, structures, characteristics or other details described in a specific embodiment do not exclude that they can be combined in one or more other embodiments in a suitable manner.

[0051] In the description of specific embodiments, the features, structures, characteristics or other details described in the present invention are intended to enable those skilled in the art to fully understand the embodiments. However, it does not exclude that those skilled in the art can practice the technical solutions of the present invention without one or more of the specific features, structures, characteristics or other details.

[0052] The figures shown in the accompanying drawings are only exemplary and do not necessarily include all the contents and operations / steps, nor must they be performed in the order described. For example, some operations / steps can be decomposed, while some operations / steps can be combined or partially combined, so the actual execution order may change according to actual conditions.

[0053] The block diagrams shown in the accompanying drawings are merely functional entities and do not necessarily correspond to physically independent entities. That is, these functional entities may be implemented in software form, or in one or more hardware modules or integrated circuits, or in different networks and / or processor devices and / or microcontroller devices.

[0054] The term "and / or" or "and / or" includes all combinations of any one or more of the associated listed items.

[0055] The method embodiments provided in the embodiments of the present application can be executed in a mobile terminal, a computer terminal, a server or a similar computing device. Taking running on a mobile terminal as an example, Figure 1 It is a hardware structure diagram of a mobile terminal that runs the entire process with light assets. Figure 1 As shown, the mobile terminal may include one or more ( Figure 1 Only one is shown in the figure) a processor 102 (the processor 102 may include but is not limited to a processing device such as a microprocessor MCU or a programmable logic device FPGA) and a memory 104 for storing data. Optionally, the mobile terminal may also include a transmission device 106 and an input / output device 108 for communication functions. It can be understood by those skilled in the art that Figure 1 The structure shown is only for illustration and does not limit the structure of the mobile terminal. Figure 1 More or fewer components as shown, or with Figure 1 Different configurations shown.

[0056] The memory 104 can be used to store computer programs, for example, software programs and modules of application software, such as the computer program corresponding to the layout method of the page in the embodiment of the present invention. The processor 102 executes various functional applications and data processing by running the computer program stored in the memory 104, that is, to implement the above method. The memory 104 may include a high-speed random access memory, and may also include a non-volatile memory, such as one or more magnetic storage devices, flash memory, or other non-volatile solid-state memory. In some examples, the memory 104 may further include a memory remotely arranged relative to the processor 102, and these remote memories can be connected to the mobile terminal via a network. Examples of the above-mentioned network include, but are not limited to, the Internet, an intranet, a local area network, a mobile communication network, and a combination thereof.

[0057] The transmission device 106 is used to receive or send data via a network. The specific example of the above network may include a wireless network provided by a communication provider of the mobile terminal. In one example, the transmission device 106 includes a network adapter (Network Interface Controller, referred to as NIC), which can be connected to other network devices through a base station so as to communicate with the Internet. In one example, the transmission device 106 can be a radio frequency (RF) module, which is used to communicate with the Internet wirelessly.

[0058] Reference Figure 2 A schematic diagram of the principle of a light asset full-process operation method provided for the embodiment of this specification includes:

[0059] S201: Obtain resource lending information submitted by a user, perform tag matching on the resource lending information, and obtain a matching result;

[0060] In a preferred embodiment of the present invention, when a user has a demand for resource lending, the user submits resource lending information through the system platform, and then the system analyzes the resource lending information to obtain a label corresponding to the resource lending information, and finally preliminarily determines whether the user meets the resource lending requirements through performance matching. The above method is used to implement a preliminary review of the user, prevent bad users from intruding on the platform, and protect the system platform security and user information security.

[0061] S202: configuring multiple product partners according to the matching results;

[0062] In a preferred embodiment of the present invention, when a user initially meets the requirements, multiple product partners corresponding to the tag are configured for the user, and more relevant data of the user is further extracted through multiple product partners to confirm the user's identity and other resource lending information of the user. After confirmation, the system will display supplementary information and related agreements to the user, allowing the user to confirm and submit, ensuring the privacy and security of the user. Through the above method, the user is reconfirmed, the platform is prevented from being disturbed by bad users, the system platform security and user information security are protected, and at the same time, according to the information about the user collected from multiple product partners, the corresponding product services can be provided to the user more accurately.

[0063] S203: Performing liveness verification on the user to obtain user credit;

[0064] In a preferred embodiment of the present invention, liveness verification is performed on the user, and the user's face recognition is used to confirm that the user is the user himself. Then, based on the confirmed user information, it is detected whether the user has a resource loan card binding record in the system platform. When the user has a resource loan card binding record or has completed the resource loan card binding, the user can submit the credit. The above method is used to supplement user information and protect system security.

[0065] S204: Send the user credit to one or more product partners according to preset distribution rules, and display the product pages of the product partners.

[0066] In a preferred embodiment of the present invention, the user's credit is sent to one or more product partners through the preset distribution rules in the asset distribution route. The product partner at this time is the product partner who finally confirms the acceptance of the user's credit. The product partner then reviews the user's credit and confirms whether the user's credit is approved. If approved, the product partner's product page is displayed to the user, otherwise it is rejected. The above method can recommend the best customers to the product partner, promote product diversification, and at the same time, after the review of the product partner, more effectively avoid users who enter the product partner's product page without the consent of the product partner, and more effectively protect system security.

[0067] Further, after configuring a plurality of product partners according to the matching results, the method further includes:

[0068] Obtain additional user data through the product partners described above;

[0069] generating supplementary information and a protocol based on the resource lending information and the additional user data;

[0070] The supplementary information and the protocol are displayed on the user interface in response to the user's first submission operation instruction.

[0071] In a preferred embodiment of the present invention, multiple product partners are configured, and additional user data is identified among the multiple product partners. Then, supplementary information and agreements are generated based on resource lending information and additional user data, so that users can know the relevant content and confirm submission. After receiving the instructions submitted by the user, other user information is verified. The above method can further improve user information and provide more targeted assistance to users in the later distribution. At the same time, the process is carried out on its own platform, protecting system security and customer privacy security.

[0072] Furthermore, the performing liveness verification on the user includes:

[0073] Detecting whether the user has a resource loan card binding record;

[0074] When there is no binding record for the user, guiding the user to bind a resource loan card;

[0075] When the user has a binding record, it is determined whether the resource loan card has the authority for the distribution partner to bind the resource loan card to the product partner.

[0076] In a preferred embodiment of the present invention, when performing live verification on a user, face recognition should be performed first to confirm that it is the user's own operation, and then the user information should be detected to determine whether the user has a resource loan card binding record. When the user does not have a binding record, the user is guided to bind the resource loan card; when the user has a binding record, it is determined whether the resource loan card has the authority for the distribution partner to bind the resource loan card to the product partner. When the resource loan card has the authority for the distribution partner to bind the resource loan card to the product partner, the distribution partner binds the resource loan card to the product partner; when the resource loan card does not have the authority for the distribution partner to bind the resource loan card to the product partner, the user is guided to perform the resource loan card authentication supplement. In the above process, if the user has a live IOU on the system platform, it is directly used without the need to perform the resource loan card binding process again. The resource association between the user and the distribution partner and the product partner is realized in the above manner, which facilitates subsequent users to borrow resources. At the same time, the judgment of multiple card binding processes realizes the protection of system security and resource security.

[0077] Furthermore, the determining whether the resource loan card has the authority for the distribution partner to bind the resource loan card to the product partner includes:

[0078] When the resource loan card has the authority for the distribution partner to bind the resource loan card to the product partner, the distribution partner binds the resource loan card to the product partner;

[0079] When the resource loan card does not have the authority for the distribution partner to bind the resource loan card to the product partner, the user is guided to supplement the resource loan card authentication.

[0080] Furthermore, the product page displaying the product partner includes:

[0081] The product partner approves the user's credit;

[0082] When the product partner approves the user's credit, the product page of the product partner is displayed;

[0083] When the product partner fails to approve the user's credit, the product page of the product partner is refused to be displayed.

[0084] In a preferred embodiment of the present invention, the product partner examines and approves the user's credit, and the product partner confirms whether the user's credit is approved. If approved, the product partner's product page is displayed to the user, otherwise it is rejected. The above method can recommend the best customers to the product partner, promote product diversification, and at the same time, after the review of the product partner, more effectively avoid users who enter the product partner's product page without the consent of the product partner, and more effectively protect system security.

[0085] Further, the resource lending information includes: a resource lending request;

[0086] After displaying the product page of the product partner, including:

[0087] Detecting the user's capital inflow and capital outflow according to the resource lending request to obtain the user's resource lending quota;

[0088] Determine whether the resource loan amount in the resource loan request occupies the resource loan quota of the user, and return the loan result to the user.

[0089] In a preferred embodiment of the present invention, when a user makes a resource loan request, the system platform will detect the user's capital inflow and outflow according to the life cycle, and calculate the user's resource loan quota on the system platform based on this. After the user enters the resource loan amount, the system determines whether the user's resource loan amount occupies the user's resource loan quota on the system platform. When the resource loan amount occupies the user's resource loan quota on the system platform, the user's resource loan quota is calculated by the product partner, and the calculation results, supplementary agreements, etc. are displayed to the user. The subsequent resource loan process can only be carried out with the user's consent. The above method can protect resource security and prevent adverse consequences such as delays caused by excessive user resource borrowing.

[0090] Further, the determining whether the resource loan amount in the resource loan request occupies the resource loan quota of the user includes:

[0091] When the resource loan amount occupies the resource loan quota of the user, the resource loan quota of the user is calculated by the product partner, and the calculation result and supplementary agreement are displayed;

[0092] In response to the user's second submission operation instruction, generate a product partner loan note and distribute the partner loan note;

[0093] The product partner examines and approves the product partner's loan note, and the distribution partner examines and approves the distribution partner's loan note.

[0094] In a preferred embodiment of the present invention, when the amount of resource loan occupies the resource loan quota of the user, after the user signs the supplementary agreement, the system platform will generate a product partner loan note and a distribution partner loan note according to the user's resource loan request, and then the product partner and the distribution partner will review their respective loan notes, and after the review is passed, the resources will be issued to the user. The above method realizes the cooperation among the user, the distribution partner, and the product partner, making the product diversified, and further protects the resource security in the above specific review process.

[0095] Further, the determining whether the resource loan amount in the resource loan request occupies the resource loan quota of the user includes:

[0096] When the resource loan amount does not occupy the resource loan quota of the user, display the supplementary agreement;

[0097] In response to the user's third submission operation instruction, generate a distribution partner loan note;

[0098] The distribution partner examines and approves the distribution partner loan note.

[0099] In a preferred embodiment of the present invention, when the user's resource loan amount does not occupy the user's resource loan quota in the system platform, after the user signs the supplementary agreement, the system platform will generate a distribution partner loan note based on the user's resource loan request, and then the distribution partner will review the loan note. After approval, the resources will be issued to the user. Through the above method, the three-party cooperation of users, distribution partners, and product partners is realized, which makes the products diversified, and the resource security is further protected in the above specific approval process.

[0100] Through the description of the above implementation methods, those skilled in the art can clearly understand that the method according to the above embodiment can be implemented by means of software plus a necessary general hardware platform, and of course can also be implemented by hardware, but in many cases the former is a better implementation method. Based on such an understanding, the technical solution of the present invention, or the part that contributes to the prior art, can be embodied in the form of a software product, which is stored in a storage medium (such as ROM / RAM, a magnetic disk, or an optical disk), and includes a number of instructions for enabling a terminal device (which can be a mobile phone, a computer, a server, or a network device, etc.) to execute the methods described in each embodiment of the present invention.

[0101] In a preferred embodiment of the present invention, in step 1, the user submits a request, the system platform matches the user's tags and configures multiple product partners; in step 2, supplementary information and agreements are displayed, liveness verification is performed on the user, and user credit is obtained; in step 3, the user credit is distributed to product partners for approval.

[0102] Step 1 can refer to the description of "obtaining resource lending information submitted by the user, performing tag matching on the resource lending information, and obtaining a matching result; obtaining additional user data through the product partner; generating supplementary information and an agreement based on the resource lending information and the additional user data; displaying the supplementary information and the agreement on the user interface, and responding to the user's first submission operation instruction" in the above embodiment, and step 2 can refer to the description of "detecting whether the user has a resource lending card binding record; when the user does not have a binding record, guiding the user to bind a resource lending card; when the user has a binding record, determining whether the resource lending card is Whether the loan card has the authority for the distribution partner to bind the resource loan card to the product partner, when the resource loan card has the authority for the distribution partner to bind the resource loan card to the product partner, the distribution partner binds the resource loan card to the product partner; when the resource loan card does not have the authority for the distribution partner to bind the resource loan card to the product partner, guide the user to supplement the resource loan card authentication. ", step 3 can refer to the description of "sending the user's credit to one or more product partners through preset distribution rules, and displaying the product page of the product partner." in the above embodiment.

[0103] Figure 3 A structural diagram of a light-asset full-process operation device provided in the embodiments of this specification includes:

[0104] The tag matching module 301 is used to obtain the resource lending information submitted by the user, perform tag matching on the resource lending information, and obtain a matching result;

[0105] A configuration module 302, configured to configure multiple product partners according to the matching results;

[0106] Verification module 303, used to perform liveness verification on the user and obtain user credit;

[0107] The distribution module 304 is used to send the user credit to one or more product partners according to preset distribution rules and display the product pages of the product partners.

[0108] The functions of the device in the embodiment of the present invention have been described in the above method embodiment, so for details not provided in the description of this embodiment, please refer to the relevant description in the above embodiment, and no further description will be given here.

[0109] An embodiment of the present invention further provides a storage medium, in which a computer program is stored, wherein the computer program is configured to execute the steps of any of the above method embodiments when running.

[0110] Optionally, in this embodiment, the storage medium may be configured to store a computer program for performing the following steps:

[0111] S201: Obtain resource lending information submitted by a user, perform tag matching on the resource lending information, and obtain a matching result;

[0112] S202: configuring multiple product partners according to the matching results;

[0113] S203: Performing liveness verification on the user to obtain user credit;

[0114] S204: Send the user credit to one or more product partners according to preset distribution rules, and display the product pages of the product partners.

[0115] Optionally, in this embodiment, the above-mentioned storage medium may include but is not limited to: a USB flash drive, a read-only memory (ROM), a random access memory (RAM), a mobile hard disk, a magnetic disk or an optical disk, and other media that can store computer programs.

[0116] An embodiment of the present invention further provides an electronic device, including a memory and a processor, wherein a computer program is stored in the memory, and the processor is configured to run the computer program to execute the steps in any one of the above method embodiments.

[0117] Furthermore, the electronic device may further include a transmission device and an input / output device, wherein the transmission device is connected to the processor, and the input / output device is connected to the processor.

[0118] Further, in this embodiment, the processor may be configured to execute the following steps through a computer program:

[0119] S201: Obtain resource lending information submitted by a user, perform tag matching on the resource lending information, and obtain a matching result;

[0120] S202: configuring multiple product partners according to the matching results;

[0121] S203: Performing liveness verification on the user to obtain user credit;

[0122] S204: Send the user credit to one or more product partners according to preset distribution rules, and display the product pages of the product partners.

[0123] Furthermore, the specific examples in this embodiment can refer to the examples described in the above embodiments and optional implementation modes, and this embodiment will not be described in detail here.

[0124] Obviously, those skilled in the art should understand that the above modules or steps of the present invention can be implemented by a general computing device, they can be concentrated on a single computing device, or distributed on a network composed of multiple computing devices, and optionally, they can be implemented by a program code executable by a computing device, so that they can be stored in a storage device and executed by the computing device, and in some cases, the steps shown or described can be executed in a different order than here, or they can be made into individual integrated circuit modules, or multiple modules or steps therein can be made into a single integrated circuit module for implementation. Thus, the present invention is not limited to any specific combination of hardware and software.

[0125] The above description is only a preferred embodiment of the present invention and is not intended to limit the present invention. For those skilled in the art, the present invention may have various modifications and variations. Any modification, equivalent replacement, improvement, etc. made within the principle of the present invention shall be included in the protection scope of the present invention.

Claims

1. A light asset full-process operation method, characterized in that: include: Acquire resource lending information submitted by a user, perform tag matching on the resource lending information, and obtain a matching result, wherein the resource lending information includes a resource lending request; configuring multiple product partners according to the matching results; Obtain additional user data through the product partners described above; generating supplementary information and a protocol based on the resource lending information and the additional user data; Displaying the supplementary information and the agreement on the user interface in response to the user's first submission operation instruction; Performing liveness verification on the user, after confirming that it is the user himself through face recognition, checking whether the user has a resource loan card binding record on the system platform based on the confirmed user information, and obtaining user credit if there is a resource loan card binding record or the resource loan card binding is completed; The user credit is sent to one or more product partners according to a preset distribution rule. The product partners review the user credit and display the product page of the product partner when the review is passed; Detecting the user's capital inflow and capital outflow according to the resource lending request to obtain the user's resource lending quota; Determining whether the resource loan amount in the resource loan request occupies the resource loan quota of the user; When the resource loan amount occupies the resource loan quota of the user, the resource loan quota of the user is calculated by the product partner, and the calculation result and supplementary agreement are displayed; In response to the user's second submission operation instruction, generate a product partner loan note and distribute the partner loan note; The product partner examines and approves the product partner's loan note, and the distribution partner examines and approves the distribution partner's loan note, and returns the user's loan result; When the resource loan amount does not occupy the resource loan quota of the user, display the supplementary agreement; In response to the user's third submission operation instruction, generate a distribution partner loan note; The distribution partner examines and approves the distribution partner loan note and returns the loan result to the user.

2. The asset-light full-process operation method according to claim 1, characterized in that: The performing liveness verification on the user includes: Detecting whether the user has a resource loan card binding record; When there is no binding record for the user, guiding the user to bind a resource loan card; When the user has a binding record, it is determined whether the resource loan card has the authority for the distribution partner to bind the resource loan card to the product partner.

3. The asset-light full-process operation method according to claim 2, characterized in that: The determining whether the resource loan card has the authority for the distribution partner to bind the resource loan card to the product partner includes: When the resource loan card has the authority for the distribution partner to bind the resource loan card to the product partner, the distribution partner binds the resource loan card to the product partner; When the resource loan card does not have the authority for the distribution partner to bind the resource loan card to the product partner, the user is guided to supplement the resource loan card authentication.

4. A light asset full-process operation method as claimed in any one of claims 1 to 3, characterized in that: Also includes: When the product partner fails to approve the user's credit, the product page of the product partner is refused to be displayed.

5. A light-asset full-process operation device, characterized in that: include: A tag matching module, used to obtain resource lending information submitted by a user, perform tag matching on the resource lending information, and obtain a matching result, wherein the resource lending information includes a resource lending request; a configuration module, configured to configure multiple product partners according to the matching results, and to obtain additional user data through the product partners; generate supplementary information and agreements according to the resource lending information and the additional user data; display the supplementary information and agreements on the user interface, and respond to the user's first submission operation instruction; The verification module is used to perform liveness verification on the user. After confirming that the user is the user himself through face recognition, it is detected whether the user has a resource loan card binding record on the system platform according to the confirmed user information. If there is a resource loan card binding record or the resource loan card binding is completed, the user credit is obtained; A distribution module, used to send the user credit to one or more product partners according to preset distribution rules. The product partners review the user credit and display the product page of the product partner when the review is passed; Detecting the user's capital inflow and capital outflow according to the resource lending request to obtain the user's resource lending quota; Determining whether the resource loan amount in the resource loan request occupies the resource loan quota of the user; When the resource loan amount occupies the resource loan quota of the user, the resource loan quota of the user is calculated by the product partner, and the calculation result and supplementary agreement are displayed; In response to the user's second submission operation instruction, generate a product partner loan note and distribute the partner loan note; The product partner examines and approves the product partner's loan note, and the distribution partner examines and approves the distribution partner's loan note, and returns the user's loan result; When the resource loan amount does not occupy the resource loan quota of the user, display the supplementary agreement; In response to the user's third submission operation instruction, generate a distribution partner loan note; The distribution partner examines and approves the distribution partner loan note and returns the loan result to the user.

6. An electronic device, wherein: The electronic device includes: A processor and a memory storing a computer executable program, which, when executed, causes the processor to perform the method according to any one of claims 1 to 4.

7. A computer-readable storage medium, wherein: The computer-readable storage medium stores one or more programs, and when the one or more programs are executed by a processor, the method of any one of claims 1 to 4 is implemented.

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