Internet-based loan business processing method, device, and computer equipment

Abstract

The present application relates to a loan business processing method, device, computer equipment, storage medium and computer program product based on the Internet. The method includes: receiving a user's business request, the business request carries user identity information and new user local notarization information, the new user local notarization information is obtained by processing the user using business-related information related to the business request and the user local notarization information stored before initiating the business request; the user local notarization information stored before the business request is the user local notarization information stored based on the user's last business before receiving the user's business request this time; searching for the server local notarization information corresponding to the user identity information, and calculating the new user local notarization information and the server local notarization information, obtaining the user's new server local notarization information, and storing it. The use of this method can reduce the operating risks of financial institutions.

Description

Technical Field

[0001] The present application relates to the field of big data analysis technology, and in particular to a processing method, device, computer equipment and storage medium for Internet-based loan business processing. Background Art

[0002] With the development of big data analysis technology, in order to solve the problems of cumbersome service procedures at traditional bank counters and the need for customers to go to designated customer service points for transfer procedures, Internet-based loan business processing forms such as online banking and mobile banking have emerged, allowing customers to conveniently carry out repayment, payment and other transfer transactions, and no longer need to go out to handle related financial services.

[0003] In traditional technology, the notarization information stored in Internet-based loan business processing includes login records, electronic signature information, contract snapshots, and customer local operation data. Various types of notarization information are independently and dispersedly stored in each client or each independent server.

[0004] However, with traditional methods, since the various types of notarized information are not complete structured functional information, when the customer deletes local information and refuses to acknowledge the spontaneity of the operation, the financial institution cannot obtain a complete record of information and obtain operation record data that is strongly associated with the customer. When the customer intentionally denies the borrowing behavior, the financial institution will find it difficult to recover the loan and interest due to insufficient evidence, which increases the operating risk of the financial institution to a certain extent. Summary of the invention

[0005] Based on this, it is necessary to provide an Internet-based loan business processing method, device, computer equipment, computer-readable storage medium and computer program product that can reduce the operating risks of financial institutions in response to the above technical problems.

[0006] In a first aspect, the present application provides a loan business processing method based on the Internet. The method comprises:

[0007] Receive a service request from a user, the service request carrying user identity information and new user local notarization information, the new user local notarization information being obtained by the user using service-related information related to the service request and user local notarization information stored before initiating the service request; the user local notarization information stored before the service request is the user local notarization information stored corresponding to the last service performed by the user before receiving the user's service request this time;

[0008] The server-side local notarization information corresponding to the user identity information is searched, and the new user local notarization information and the server-side local notarization information are calculated to obtain the new server-side local notarization information of the user and store it.

[0009] In one embodiment, before receiving the service request of the user, the method further includes: receiving the electronic channel signing request of the user, and in the process of signing the electronic channel, obtaining the notarization initialization information and user identity information of the user, wherein the user local notarization information includes the notarization initialization information;

[0010] The notarization initialization information and the user identity information are calculated to obtain the initial server-side local notarization information of the user and store the information. The server-side local notarization information includes the initial server-side local notarization information.

[0011] In one embodiment, the notarization initialization information includes: contract signing address, contract signing time and electronic signature.

[0012] In one of the embodiments, if the service request is a request to log into an electronic channel, the service-related information includes: a login terminal device number, a network address of the login terminal, a latitude and longitude of the login terminal, and a timestamp.

[0013] In one embodiment, if the business request is a request to initiate a loan, the business-related information includes: loan amount, loan term and annualized interest rate.

[0014] In one embodiment, if the business request is a request to initiate a loan confirmation, the business-related information includes: loan amount, serial number, loan term and repayment method.

[0015] In a second aspect, the present application also provides an Internet-based loan business processing device. The device includes:

[0016] A service request acquisition module is used to receive a service request from a user, wherein the service request carries user identity information and local notarization information of a new user, wherein the local notarization information of the new user is obtained by processing the service-related information related to the service request and the local notarization information of the user stored before initiating the service request; the local notarization information of the user stored before the service request is the local notarization information of the user stored corresponding to the last service performed by the user before receiving the service request of the user this time;

[0017] The notarization information calculation module is used to find the server-side local notarization information corresponding to the user identity information, and calculate the new user local notarization information and the server-side local notarization information to obtain the user's new server-side local notarization information and store it.

[0018] In one embodiment, the Internet-based loan business processing device further includes:

[0019] A signing request acquisition module, used to receive the signing electronic channel request of the user, and in the process of signing the electronic channel, obtain the notarization initialization information and user identity information of the user, wherein the user local notarization information includes the notarization initialization information;

[0020] The notarization information calculation submodule is used to calculate the notarization initialization information and the user identity information, obtain the initial server-side local notarization information of the user, and store it. The server-side local notarization information includes the initial server-side local notarization information.

[0021] In one embodiment, in an Internet-based loan business processing device, the notarization initialization information includes the contract signing address, contract signing time and electronic signature.

[0022] In one embodiment, in an Internet-based loan business processing device, if the business request is a request to log in to an electronic channel, the business-related information includes the login terminal device number, the network address of the login terminal, the latitude and longitude of the login terminal, and a timestamp.

[0023] In one embodiment, in an Internet-based loan business processing device, if the business request is a request to initiate a loan, the business-related information includes the loan amount, loan term and annualized interest rate.

[0024] In one embodiment, in an Internet-based loan business processing device, if the business request is a request to initiate a loan confirmation, the business-related information includes the loan amount, serial number, loan term and repayment method.

[0025] In a third aspect, the present application further provides a computer device. The computer device includes a memory and a processor, the memory stores a computer program, and the processor implements the following steps when executing the computer program:

[0026] Receive a service request from a user, the service request carrying user identity information and new user local notarization information, the new user local notarization information being obtained by the user using service-related information related to the service request and user local notarization information stored before initiating the service request; the user local notarization information stored before the service request is the user local notarization information stored corresponding to the last service performed by the user before receiving the user's service request this time;

[0027] The server-side local notarization information corresponding to the user identity information is searched, and the new user local notarization information and the server-side local notarization information are calculated to obtain the new server-side local notarization information of the user and store it.

[0028] In a fourth aspect, the present application further provides a computer-readable storage medium. The computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, the following steps are implemented:

[0029] Receive a service request from a user, the service request carrying user identity information and new user local notarization information, the new user local notarization information being obtained by the user using service-related information related to the service request and user local notarization information stored before initiating the service request; the user local notarization information stored before the service request is the user local notarization information stored corresponding to the last service performed by the user before receiving the user's service request this time;

[0030] The server-side local notarization information corresponding to the user identity information is searched, and the new user local notarization information and the server-side local notarization information are calculated to obtain the new server-side local notarization information of the user and store it.

[0031] In a fifth aspect, the present application further provides a computer program product. The computer program product includes a computer program, and when the computer program is executed by a processor, the following steps are implemented:

[0032] Receive a service request from a user, the service request carrying user identity information and new user local notarization information, the new user local notarization information being obtained by the user using service-related information related to the service request and user local notarization information stored before initiating the service request; the user local notarization information stored before the service request is the user local notarization information stored corresponding to the last service performed by the user before receiving the user's service request this time;

[0033] The server-side local notarization information corresponding to the user identity information is searched, and the new user local notarization information and the server-side local notarization information are calculated to obtain the new server-side local notarization information of the user and store it.

[0034] The above-mentioned Internet-based loan business processing method, device, computer equipment, storage medium and computer program product, when the server obtains the business request, can search for the local notarization information of the server corresponding to the user identity information based on the user identity information and the local notarization information of the new user, and the server can calculate based on the local notarization information of the new user and the local notarization information of the server, so as to obtain the user's new local notarization information of the server, and store it. For each business operation process in the whole process of the user applying for a loan, the server performs corresponding calculation and storage processes, so that the notarization information corresponding to the business operation of each link is stored and archived. When the user refuses to admit the loan behavior, the notarization information of each link that has been stored and archived is compared with the notarization information of the user terminal in the corresponding link to determine whether the current user has a denial behavior. Therefore, this application can reduce the operating risks of financial institutions to a certain extent. Even if there is no intentional denial of the loan behavior by the customer, this application can strengthen the association through the operation data of each link of the online loan, enhance the coupling between the various links of the loan, and also realize the effective monitoring of the bank's loan flow data. BRIEF DESCRIPTION OF THE DRAWINGS

[0035] Figure 1 The following is an application environment diagram of an Internet-based loan business processing method in one embodiment;

[0036] Figure 2 A flowchart of a loan business processing method based on the Internet in one embodiment;

[0037] Figure 3 is a structural block diagram of an Internet-based loan business processing device in one embodiment;

[0038] Figure 4 FIG. 4 is a diagram showing the internal structure of a computer device in one embodiment. DETAILED DESCRIPTION

[0039] In order to make the purpose, technical solution and advantages of the present application more clearly understood, the present application is further described in detail below in conjunction with the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are only used to explain the present application and are not used to limit the present application.

[0040] The Internet-based loan business processing method provided in the embodiment of the present application can be applied to Figure 1In the application environment shown. Among them, the terminal 102 communicates with the server 104 through the network. The data storage system can store the data that the service end 104 needs to process. The data storage system can be integrated on the server 104, or it can be placed on the cloud or other network servers. The user terminal is installed with a bank APP. When the user performs corresponding operations on the bank APP at the terminal, the user terminal will send a business request to the server corresponding to the bank APP based on the user operation. The business request carries the user identity information and the new user's local notarization information. The user identity information is information related to the identity authentication of the user. The new user's local notarization information is obtained by processing the business-related information related to the user when the bank APP performs the current business and the user's local notarization information stored before initiating the business request. When the server obtains the business request, it can search for the server's local notarization information corresponding to the user identity information based on the user identity information and the new user's local notarization information. The server can calculate based on the new user's local notarization information and the server's local notarization information, thereby obtaining the user's new server's local notarization information and storing it. For each business operation process from the user logging into the electronic channel to the issuance of loans, the server performs corresponding calculation and storage processes, and thus stores and archives the notarization information corresponding to the business operations in each link. When a user refuses to acknowledge the borrowing behavior, the notarization information of each link that has been stored and archived is compared with the notarization information of the user terminal in the corresponding link to determine whether the current user has denied the behavior.

[0041] The terminal 102 may be, but is not limited to, various personal computers, laptops, smart phones, tablet computers, IoT devices, and portable wearable devices. IoT devices may be smart speakers, smart TVs, smart air conditioners, smart car-mounted devices, etc. Portable wearable devices may be smart watches, smart bracelets, head-mounted devices, etc. The server 104 may be implemented as an independent server or a server cluster consisting of multiple servers.

[0042] In one embodiment, Figure 2 As shown, a loan business processing method based on the Internet is provided, and the method is applied to Figure 1 The server in the example is used as an example to illustrate, including the following steps:

[0043] Step 202, receiving a business request from a user, the business request carries user identity information and new user local notarization information, the new user local notarization information is obtained by processing the business-related information related to the business request and the user local notarization information stored before initiating the business request; the user local notarization information stored before the business request is the user local notarization information stored corresponding to the last business performed by the user before the business request is received this time.

[0044] Among them, the business request is a request sent by the user to the bank's server through the user terminal based on the business, and the business includes the operation process business related to applying for a loan from the bank. The user identity information is the information related to the identity authentication of the user, including the user's name, ID number, native place and address, user occupation, etc. The new user's local notarization information is obtained by processing the business-related information related to the user's current business in the bank APP and the user's local notarization information stored before initiating the business request. Business-related information refers to the information related to the business operation collected by the server through the bank APP when the user performs the business operation in the terminal. The business-related information is an important basis for the user to perform the current business operation. The user's local notarization information stored before the business request refers to the user's local notarization information stored based on the user's last business before receiving the user's business request this time. The user's local notarization information refers to the user's notarization information stored locally in the user terminal, and the notarization information will not be tampered with.

[0045] Step 204, searching for the server local notarization information corresponding to the user identity information, and calculating the new user local notarization information and the server local notarization information, obtaining the user's new server local notarization information, and storing it.

[0046] Among them, when the server obtains a business request, it will search for the corresponding server-side local notarization information on the server based on the user identity information in the business request, and calculate based on the new user local notarization information and the server local notarization information in the business request, obtain the user's new server-side local notarization information, and store it. Among them, the server searches for the corresponding server-side local notarization information, which refers to the notarization information stored corresponding to the previous business operation. In one embodiment, the calculation method is to calculate through an entry-chain algorithm, and the entry-chain algorithm is HashDataLocal=SHA256(HashDataLast&Operation), wherein HashDataLocal is the locally stored notarization information (hash value), SHA256 is a hash function, Operation is the data of this business operation, and HashDataLast is the notarization information (chain data) of the previous business operation.

[0047] In the above-mentioned Internet-based loan business processing method, when the service end obtains the business request, it can search for the local notarization information of the service end corresponding to the user identity information based on the user identity information and the local notarization information of the new user. The service end can calculate based on the local notarization information of the new user and the local notarization information of the service end, thereby obtaining the user's new local notarization information of the service end and storing it. For each business operation process in the whole process of the user applying for a loan, the service end performs corresponding calculation and storage processes, so that the notarization information corresponding to the business operation of each link is stored and archived. When the user refuses to admit the borrowing behavior, the notarization information of each link that has been stored and archived is compared with the notarization information of the user terminal in the corresponding link to determine whether the current user has a denial behavior. Therefore, this application can reduce the operating risks of financial institutions to a certain extent. Even if there is no intentional denial of borrowing by the customer, this application can strengthen the association through the operation data of each link of the online loan, enhance the coupling between the various links of the loan, and realize effective monitoring of the bank's loan flow data.

[0048] In one embodiment, before receiving the user's business request, it also includes: receiving the user's request to sign an electronic channel, and in the process of signing the electronic channel, obtaining the user's notarization initialization information and user identity information, and the user's local notarization information includes the notarization initialization information; calculating the notarization initialization information and the user's identity information, obtaining the user's initial server-side local notarization information, and storing it, and the server-side local notarization information includes the initial server-side local notarization information.

[0049] Among them, before the user performs relevant business operations in the bank APP, the user needs to sign an electronic channel to become an online banking user before online electronic transactions can be realized, such as applying for a loan from a bank. When the user signs an electronic channel through the user terminal, the terminal will send a request to sign the electronic channel to the server based on the behavior of the signed electronic channel. In the process of signing the electronic channel, the user terminal stores the user's notarization initialization information and the chain entry algorithm locally. Optionally, the chain entry algorithm is HashDataLocal=SHA256(HashDataLast&Operation), where HashDataLocal is the notarization information (hash value) stored locally, SHA256 is a hash function, Operation is the data of this business operation, and HashDataLast is the notarization information (chain data) of the last business operation. Other hash functions that can calculate notarization information are also applicable to this application. When the user terminal stores the user's notarization initialization information locally, it will send the notarization initialization information to the server. For the server, the notarization initialization information sent by the user terminal will be obtained, and the user identity information will be actively obtained. The server also stores the in-chain algorithm. After obtaining the notarization initialization information and the user identity information, the in-chain algorithm is used to calculate the user's initial server-side local notarization information. In order to use the user's initial server-side local notarization information obtained in this step for the next operation, the server will store the user's initial server-side local notarization information. The server-side local notarization information includes the initial server-side local notarization information, and the user's local notarization information includes the user's notarization initialization information. For the user terminal, the user's notarization initialization information can be used as a data dependency for subsequent business operations. For the server, the initial server-side local notarization information can be used as a data dependency for subsequent business operations.

[0050] In this embodiment, by receiving the user's electronic channel request for signing, the user's notarization initialization information and user identity information are obtained, so that the initial server-side local notarization information can be calculated, and the data dependency of subsequent business operations can be obtained, thereby strengthening the data coupling between various business operations in the entire process of the user completing the loan.

[0051] In one embodiment, a loan business processing method based on the Internet includes:

[0052] Receive the user's electronic channel signing request, and in the process of signing the electronic channel, obtain the user's notarization initialization information and user identity information, and the user's local notarization information includes the notarization initialization information;

[0053] Calculate the notarization initialization information and the user identity information to obtain the user's initial server-side local notarization information and store it. The server-side local notarization information includes the initial server-side local notarization information.

[0054] Receive a service request from a user, the service request carries user identity information and local notarization information of a new user, the local notarization information of the new user is obtained by processing the service-related information related to the service request and the local notarization information of the user stored before the service request is initiated; the local notarization information of the user stored before the service request is the local notarization information of the user stored corresponding to the last service performed by the user before the service request is received this time;

[0055] The server-side local notarization information corresponding to the user identity information is searched, and the new user local notarization information and the server-side local notarization information are calculated to obtain the user's new server-side local notarization information and store it.

[0056] Specifically, in one embodiment, the notarization initialization information includes: contract address, contract time and electronic signature. The contract address refers to the network address when the user signs the contract through the electronic channel, the contract time refers to the time when the user completes the contract through the electronic channel, and the time is specific to that day, and the electronic signature refers to the data contained in the electronic form and attached to the data message for identifying the identity of the signatory and indicating that the signatory approves the content therein.

[0057] In this embodiment, by recording the signing address, signing time and electronic signature, important data information of the current user signing the electronic channel can be used for calculation, so that the notarization initialization information obtained by combining these data is more authentic and effective.

[0058] More specifically, in one embodiment, a loan business processing method based on the Internet includes: receiving a business request from a user, when the business request is a request to log in to an electronic channel, the business request carries user identity information and new user local notarization information, and the new user local notarization information is obtained by processing the user using business-related information related to the business request and the user local notarization information stored before initiating the business request; the business-related information includes the login terminal device number, the network address of the login terminal, the latitude and longitude of the login terminal, and the timestamp; searching for the server-side local notarization information corresponding to the user identity information, and calculating the new user local notarization information and the server-side local notarization information to obtain the user's new server-side local notarization information and store it.

[0059] After the user signs the electronic channel, he can log in to the electronic channel to perform relevant business operations. When the user logs in to the electronic channel, the business request generated by the user terminal is a request to log in to the electronic channel. The user identity information is information related to the identity authentication of the user, including the user's name, ID number, place of origin and address, user income, etc. The business related information includes the login terminal device number, the login terminal network address, the latitude and longitude of the login terminal, and the timestamp. Among them, the login terminal device number is the device number of the terminal used by the user to log in to the electronic channel. The device number is factory set and is unique. The network address of the login terminal is the IP address of the terminal when logging in to the electronic channel. The latitude and longitude of the login terminal is geographic information, which can be used to determine where the user uses the login terminal to log in to the electronic channel. The timestamp is the time point when the user uses the login terminal to log in to the electronic channel. The user local notarization information stored before the business request here refers to the notarization initialization information stored locally by the user terminal when signing the electronic channel. The new user local notarization information is obtained by processing the corresponding business related information and notarization initialization information when logging in to the electronic channel. For the local user terminal, the user's notarization initialization information and the business-related information of this login to the electronic channel are calculated through the in-chain algorithm to obtain a new notarization information and store it, which is called the login notarization information.

[0060] When the server receives a service request, it searches for the corresponding local notarization information on the server based on the user identity information in the service request. Here, the service request is a request to log in to an electronic channel, so the corresponding local notarization information on the server is the initial local notarization information on the server. The server also calculates the new local notarization information of the user on the server based on the local notarization information of the new user in the service request and the initial local notarization information on the server, obtains the new local notarization information on the server, and stores it.

[0061] In this embodiment, the operation flow of the user logging into the electronic channel is calculated and stored, so the notarization information corresponding to the operation flow of the user logging into the electronic channel is stored and archived.

[0062] In one embodiment, when the business request is to initiate a loan request, the business request carries user identity information and new user local notarization information, and the new user local notarization information is obtained by processing the user using business-related information related to the business request and the user local notarization information stored before initiating the business request; the business-related information includes the loan amount, loan term and annualized interest rate; the server local notarization information corresponding to the user identity information is searched, and the new user local notarization information and the server local notarization information are calculated to obtain the user's new server local notarization information and store it.

[0063] Among them, after the user logs in to the electronic channel, he can perform the business operation of initiating a loan. When the user initiates a loan, the business request generated by the user terminal is a request to initiate a loan. Initiating a loan means that after the user fills in the relevant loan information in the bank APP of the user terminal, the terminal submits the relevant loan information to the server, and the server receives the request to initiate a loan. Business-related information includes the loan amount, loan term and annualized interest rate. The user's local notarization information stored before the business request here refers to the login notarization information stored locally in the user terminal when logging in to the electronic channel. The new user's local notarization information is obtained by processing the corresponding business-related information and login notarization information when initiating the loan. For the local user terminal, the user's login notarization information and the business-related information of this loan initiation are calculated through the on-chain algorithm to obtain a new notarization information and store it, which is called the loan notarization information.

[0064] When the server receives the service request, it searches for the corresponding local notarization information on the server based on the user identity information in the service request. Here, the service request is to initiate a loan request, so the corresponding local notarization information on the server is the new local notarization information on the server. The server calculates the new local notarization information of the user and the new local notarization information on the server in the service request, obtains the new local notarization information on the server, and stores it to distinguish it from the new local notarization information on the server, which is called the loan notarization information on the server.

[0065] In this embodiment, the operation flow of the user initiating a loan is calculated and stored, so that the notarization information corresponding to the operation flow of the user initiating a loan is stored and archived.

[0066] In one embodiment, when the business request is a request to initiate a loan confirmation, the business request carries user identity information and new user local notarization information, and the new user local notarization information is obtained by processing the user using business-related information related to the business request and the user local notarization information stored before initiating the business request; the business-related information includes the loan amount, serial number, loan term and repayment method; the server local notarization information corresponding to the user identity information is searched, and the new user local notarization information and the server local notarization information are calculated to obtain the user's new server local notarization information and store it.

[0067] Among them, after the user initiates a loan, the business request may be a request to initiate a loan confirmation. Initiating a loan confirmation request refers to the confirmation request sent by the user terminal when confirming the arrival of the loan after the server issues the corresponding amount of loan through the bank APP according to the loan amount in the loan. Business-related information includes the loan amount, serial number, loan term and repayment method. The user's local notarization information stored before the business request here refers to the loan notarization information stored locally in the user terminal when the loan request is initiated. The new user's local notarization information is obtained by processing the business-related information and loan notarization information corresponding to the time of initiating the loan request. For the local user terminal, the user's loan notarization information and the business-related information of the loan confirmation request initiated this time are calculated through the on-chain algorithm to obtain a new notarization information and store it, which is called confirmation notarization information.

[0068] When the server obtains the service request, it searches for the corresponding local notarization information on the server based on the user identity information in the service request. Here, the service request is to initiate a loan confirmation request, so the corresponding local notarization information on the server is the loan notarization information on the server. The new local notarization information on the server is calculated based on the new local notarization information of the user in the service request and the loan notarization information on the server, and the new local notarization information on the server is obtained and stored. To distinguish it from the new local notarization information on the server, it is called the loan notarization information on the server, which can be called the loan confirmation notarization information on the server.

[0069] In this embodiment, the calculation and storage process is performed for the operation flow of the user initiating the loan confirmation, so the notarization information corresponding to the operation flow of the user initiating the loan confirmation is stored and archived.

[0070] In one embodiment, the Internet-based loan business processing method, after the user signs the electronic channel, includes:

[0071] When a user logs in to an electronic channel, the service request generated by the user terminal is a request to log in to the electronic channel. User identity information is information related to the user's identity authentication, including user name, ID number, place of origin, address, user income, etc. Service-related information includes the login terminal device number, the login terminal network address, the login terminal's latitude and longitude, and timestamp. Among them, the login terminal device number is the device number of the terminal used by the user to log in to the electronic channel. The device number is factory-set and unique. The network address of the login terminal is the IP address of the terminal when logging in to the electronic channel. The latitude and longitude of the login terminal is geographic information, which can be used to determine where the user uses the login terminal to log in to the electronic channel. The timestamp is the time point when the user uses the login terminal to log in to the electronic channel. The user's local notarization information stored before the service request here refers to the notarization initialization information stored locally by the user terminal when signing the electronic channel. The new user's local notarization information is obtained by processing the corresponding business-related information and notarization initialization information when logging in to the electronic channel. For the local user terminal, the user's notarization initialization information and the business-related information of this login to the electronic channel are calculated through the in-chain algorithm to obtain a new notarization information and store it, which is called the login notarization information.

[0072] When the server receives a service request, it searches for the corresponding local notarization information on the server based on the user identity information in the service request. Here, the service request is a request to log in to an electronic channel, so the corresponding local notarization information on the server is the initial local notarization information on the server. The server also calculates the new local notarization information of the user on the server based on the local notarization information of the new user in the service request and the initial local notarization information on the server, obtains the new local notarization information on the server, and stores it.

[0073] After the user logs in to the electronic channel, he can initiate the business operation of borrowing. When the user initiates a loan, the business request generated by the user terminal is a request to initiate a loan. Initiating a loan means that after the user fills in the relevant borrowing information in the bank APP of the user terminal, the terminal submits the relevant borrowing information to the server, and the server receives the request to initiate a loan. Business-related information includes the loan amount, loan term and annualized interest rate. The user's local notarization information stored before the business request here refers to the login notarization information stored locally in the user terminal when logging in to the electronic channel. The new user's local notarization information is obtained by processing the corresponding business-related information and login notarization information when initiating the loan. For the local user terminal, the user's login notarization information and the business-related information of this loan initiation are calculated through the on-chain algorithm to obtain a new notarization information and store it, which is called the loan notarization information.

[0074] When the server receives the service request, it searches for the corresponding local notarization information on the server based on the user identity information in the service request. Here, the service request is to initiate a loan request, so the corresponding local notarization information on the server is the new local notarization information on the server. The server calculates the new local notarization information of the user and the new local notarization information on the server in the service request, obtains the new local notarization information on the server, and stores it to distinguish it from the new local notarization information on the server, which is called the loan notarization information on the server.

[0075] After the user initiates a loan, the business request may be a request to confirm the initiation of a loan. The initiation of a loan confirmation request refers to the confirmation request sent by the user terminal when confirming the arrival of the loan after the server issues the corresponding amount of loan through the bank APP according to the loan amount in the initiation of the loan. Business-related information includes serial number, customer number, loan amount, loan term, repayment method, associated account, annualized interest rate, loan purpose, mobile phone number, loan contract number, and application time. The user's local notarization information stored before the business request here refers to the loan notarization information stored locally in the user terminal when the loan request is initiated. The new user's local notarization information is obtained by processing the corresponding business-related information and loan notarization information when the loan request is initiated. For the local user terminal, the user's loan notarization information and the business-related information of the initiation of the loan confirmation request are calculated through the in-chain algorithm to obtain a new notarization information and store it, which is called confirmation notarization information.

[0076] When the server obtains the service request, it searches for the corresponding local notarization information on the server based on the user identity information in the service request. Here, the service request is to initiate a loan confirmation request, so the corresponding local notarization information on the server is the loan notarization information on the server. The new local notarization information on the server is calculated based on the new local notarization information of the user in the service request and the loan notarization information on the server, and the new local notarization information on the server is obtained and stored. To distinguish it from the new local notarization information on the server, it is called the loan notarization information on the server, which can be called the loan confirmation notarization information on the server.

[0077] In this embodiment, when the server obtains the service request, it can search for the local notarization information of the server corresponding to the user identity information based on the user identity information and the local notarization information of the new user. The server can calculate based on the local notarization information of the new user and the local notarization information of the server, thereby obtaining the local notarization information of the new server of the user and storing it. For each business operation process in the whole process of the user applying for a loan, the server performs corresponding calculation and storage processes, so that the notarization information corresponding to the business operation of each link is stored and archived. When the user refuses to admit the loan behavior, the notarization information of each link that has been stored and archived is compared with the notarization information of the user terminal in the corresponding link to determine whether the current user has a denial behavior. Therefore, this application can reduce the operating risks of financial institutions to a certain extent. Even if there is no intentional denial of the loan behavior by the customer, this application can strengthen the association through the operation data of each link of the online loan, enhance the coupling between the various links of the loan, and realize the effective monitoring of the bank loan flow data.

[0078] In one embodiment, a loan business processing method based on the Internet includes:

[0079] Receive the user's electronic channel signing request, and during the electronic channel signing process, obtain the user's notarization initialization information and user identity information. The user's local notarization information includes the notarization initialization information; the notarization initialization information includes: signing address, signing time and electronic signature.

[0080] The notarization initialization information and the user identity information are calculated to obtain the user's initial server-side local notarization information and store it. The server-side local notarization information includes the initial server-side local notarization information.

[0081] Receive a business request from a user. When the business request is a request to log into an electronic channel, the request to log into an electronic channel carries the user identity information and the local notarization information of the new user. The local notarization information of the new user is obtained by processing the device number of the login terminal, the network address of the login terminal, the latitude and longitude of the login terminal, and the timestamp and the local notarization information of the user stored before initiating the request to log into the electronic channel; search for the local notarization information of the server corresponding to the user identity information, calculate the local notarization information of the new user and the local notarization information of the server, obtain the new local notarization information of the user on the server, and store it.

[0082] Receive a business request from a user. When the business request is a request for initiating a loan, the request carries the user's identity information and the new user's local notarization information. The new user's local notarization information is obtained by processing the loan amount, loan term and annualized interest rate and the user's local notarization information stored before initiating the loan request; search for the server's local notarization information corresponding to the user's identity information, calculate the new user's local notarization information and the server's local notarization information, obtain the user's new server-side local notarization information, and store it.

[0083] Receive a business request from a user. When the business request is a request for initiating a loan confirmation, the request for initiating a loan confirmation carries the user identity information and the local notarization information of the new user. The local notarization information of the new user is obtained by processing the loan amount, serial number, loan term, repayment method, and the local notarization information of the user stored before initiating the loan confirmation request; search for the local notarization information of the server corresponding to the user identity information, calculate the local notarization information of the new user and the local notarization information of the server, obtain the new local notarization information of the user on the server, and store it.

[0084] In this embodiment, when the server obtains the service request, it can search for the local notarization information of the server corresponding to the user identity information based on the user identity information and the local notarization information of the new user. The server can calculate based on the local notarization information of the new user and the local notarization information of the server, thereby obtaining the local notarization information of the new server of the user and storing it. For each business operation process in the whole process of the user applying for a loan, the server performs corresponding calculation and storage processes, so that the notarization information corresponding to the business operation of each link is stored and archived. When the user refuses to admit the loan behavior, the notarization information of each link that has been stored and archived is compared with the notarization information of the user terminal in the corresponding link to determine whether the current user has a denial behavior. Therefore, this application can reduce the operating risks of financial institutions to a certain extent. Even if there is no intentional denial of the loan behavior by the customer, this application can strengthen the association through the operation data of each link of the online loan, enhance the coupling between the various links of the loan, and realize the effective monitoring of the bank loan flow data.

[0085] It should be understood that, although the steps in the flowcharts involved in the above embodiments are displayed in sequence according to the indication of the arrows, these steps are not necessarily executed in sequence according to the order indicated by the arrows. Unless there is a clear explanation in this article, the execution of these steps is not strictly limited in order, and these steps can be executed in other orders. Moreover, at least a part of the steps in the flowcharts involved in the above embodiments can include multiple steps or multiple stages, and these steps or stages are not necessarily executed at the same time, but can be executed at different times, and the execution order of these steps or stages is not necessarily carried out in sequence, but can be executed in turn or alternately with other steps or at least a part of the steps or stages in other steps.

[0086] Based on the same inventive concept, the embodiment of the present application also provides an Internet-based loan business processing device for implementing the Internet-based loan business processing method involved above. The implementation scheme for solving the problem provided by the device is similar to the implementation scheme recorded in the above method, so the specific limitations of one or more Internet-based loan business processing device embodiments provided below can refer to the limitations of the Internet-based loan business processing method above, and will not be repeated here.

[0087] In one embodiment, Figure 3 As shown, a loan business processing device based on the Internet is provided, including: a business request acquisition module 301 and a notarization information calculation module 302, wherein:

[0088] A service request acquisition module 301 is used to receive a service request from a user, wherein the service request carries user identity information and local notarization information of a new user, wherein the local notarization information of the new user is obtained by processing the service-related information related to the service request and the local notarization information of the user stored before initiating the service request by the user;

[0089] The notarization information calculation module 302 is used to find the server-side local notarization information corresponding to the user identity information, and calculate the new user local notarization information and the server-side local notarization information to obtain the new server-side local notarization information of the user and store it.

[0090] In one embodiment, the Internet-based loan business processing device further includes: a contract signing request acquisition module and a notarization information calculation submodule, wherein:

[0091] A signing request acquisition module, used to receive the signing electronic channel request of the user, and in the process of signing the electronic channel, obtain the notarization initialization information and user identity information of the user, wherein the user local notarization information includes the notarization initialization information;

[0092] The notarization information calculation submodule is used to calculate the notarization initialization information and the user identity information, obtain the initial server-side local notarization information of the user, and store it. The server-side local notarization information includes the initial server-side local notarization information.

[0093] In one embodiment, in an Internet-based loan business processing device, the notarization initialization information includes the contract signing address, contract signing time and electronic signature.

[0094] In one embodiment, in an Internet-based loan business processing device, if the business request is a request to log in to an electronic channel, the business-related information includes the login terminal device number, the network address of the login terminal, the latitude and longitude of the login terminal, and a timestamp.

[0095] In one embodiment, in an Internet-based loan business processing device, if the business request is a request to initiate a loan, the business-related information includes the loan amount, loan term and annualized interest rate.

[0096] In one embodiment, in an Internet-based loan business processing device, if the business request is a request to initiate a loan confirmation, the business-related information includes the loan amount, serial number, loan term and repayment method.

[0097] Each module in the above-mentioned Internet-based loan business processing device can be implemented in whole or in part by software, hardware, or a combination thereof. Each of the above-mentioned modules can be embedded in or independent of a processor in a computer device in the form of hardware, or can be stored in a memory in a computer device in the form of software, so that the processor can call and execute the operations corresponding to each of the above modules.

[0098] In one embodiment, a computer device is provided. The computer device may be a server, and its internal structure diagram may be as follows: Figure 4 As shown. The computer device includes a processor, a memory and a network interface connected through a system bus. Among them, the processor of the computer device is used to provide computing and control capabilities. The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system, a computer program and a database. The internal memory provides an environment for the operation of the operating system and the computer program in the non-volatile storage medium. The database of the computer device is used to store business-related information corresponding to business operations such as user signing electronic channels, logging into electronic channel data, initiating loans and initiating loan requests. The network interface of the computer device is used to communicate with an external terminal through a network connection. When the computer program is executed by the processor, a loan business processing method based on the Internet is implemented.

[0099] Those skilled in the art will understand that Figure 4 The structure shown in the figure is only a block diagram of a part of the structure related to the solution of the present application, and does not constitute a limitation on the computer device to which the solution of the present application is applied. The specific computer device may include more or fewer components than those shown in the figure, or combine certain components, or have a different arrangement of components.

[0100] In one embodiment, a computer device is further provided, including a memory and a processor, wherein a computer program is stored in the memory, and the processor implements the steps in the above method embodiments when executing the computer program.

[0101] In one embodiment, a computer-readable storage medium is provided, on which a computer program is stored. When the computer program is executed by a processor, the steps in the above-mentioned method embodiments are implemented.

[0102] In one embodiment, a computer program product is provided, including a computer program, which implements the steps in the above method embodiments when executed by a processor.

[0103] It should be noted that the user information (including but not limited to user device information, user personal information, such as name and ID number, place of origin and address, etc.) and data (including but not limited to data used for analysis, stored data, displayed data, etc.) involved in this application are all information and data authorized by the user or fully authorized by all parties.

[0104] Those skilled in the art can understand that all or part of the processes in the above-mentioned embodiment methods can be completed by instructing the relevant hardware through a computer program, and the computer program can be stored in a non-volatile computer-readable storage medium. When the computer program is executed, it can include the processes of the embodiments of the above-mentioned methods. Among them, any reference to the memory, database or other medium used in the embodiments provided in the present application can include at least one of non-volatile and volatile memory. Non-volatile memory can include read-only memory (ROM), magnetic tape, floppy disk, flash memory, optical memory, high-density embedded non-volatile memory, resistive random access memory (ReRAM), magnetoresistive random access memory (MRAM), ferroelectric random access memory (FRAM), phase change memory (PCM), graphene memory, etc. Volatile memory can include random access memory (RAM) or external cache memory, etc. As an illustration and not limitation, RAM can be in various forms, such as static random access memory (SRAM) or dynamic random access memory (DRAM). The database involved in each embodiment provided in this application may include at least one of a relational database and a non-relational database. Non-relational databases may include distributed databases based on blockchains, etc., but are not limited to this. The processor involved in each embodiment provided in this application may be a general-purpose processor, a central processing unit, a graphics processor, a digital signal processor, a programmable logic device, a data processing logic device based on quantum computing, etc., but are not limited to this.

[0105] The technical features of the above embodiments may be combined arbitrarily. To make the description concise, not all possible combinations of the technical features in the above embodiments are described. However, as long as there is no contradiction in the combination of these technical features, they should be considered to be within the scope of this specification.

[0106] The above-described embodiments only express several implementation methods of the present application, and the descriptions thereof are relatively specific and detailed, but they cannot be understood as limiting the scope of the present application. It should be pointed out that, for a person of ordinary skill in the art, several variations and improvements can be made without departing from the concept of the present application, and these all belong to the protection scope of the present application. Therefore, the protection scope of the present application shall be subject to the attached claims.

Claims

1. A loan business processing method based on the Internet, characterized in that: The method comprises: Receive a service request from a user, the service request carrying user identity information and new user local notarization information, the new user local notarization information being obtained by the user using service-related information related to the service request and user local notarization information stored before initiating the service request; the user local notarization information stored before the service request is the user local notarization information stored corresponding to the last service performed by the user before receiving the user's service request this time; Searching for the server-side local notarization information corresponding to the user identity information, and calculating the new user local notarization information and the server-side local notarization information, obtaining the new server-side local notarization information of the user, and storing it, wherein before receiving the user's service request, it also includes: receiving a request from the user for signing an electronic channel, and obtaining notarization initialization information and user identity information of the user during the process of signing an electronic channel, wherein the user local notarization information includes the notarization initialization information; The notarization initialization information and the user identity information are calculated to obtain the initial server-side local notarization information of the user and store the information. The server-side local notarization information includes the initial server-side local notarization information.

2. The method according to claim 1, characterized in that The notarization initialization information includes: contract signing address, contract signing time and electronic signature.

3. The method according to claim 1, characterized in that: If the service request is a request to log into an electronic channel, the service-related information includes: a login terminal device number, a network address of the login terminal, the latitude and longitude of the login terminal, and a timestamp.

4. The method according to claim 1, characterized in that: If the business request is a request to initiate a loan, the business-related information includes: loan amount, loan term and annualized interest rate.

5. The method according to claim 1, characterized in that If the business request is a request for initiating a loan confirmation, the business-related information includes: loan amount, serial number, loan term and repayment method.

6. An Internet-based loan business processing device, characterized in that: The device comprises: A service request acquisition module is used to receive a service request from a user, wherein the service request carries user identity information and local notarization information of a new user, wherein the local notarization information of the new user is obtained by processing the service-related information related to the service request and the local notarization information of the user stored before initiating the service request; the local notarization information of the user stored before the service request is the local notarization information of the user stored corresponding to the last service performed by the user before receiving the service request of the user this time; a notarization information calculation module, used to find the local notarization information on the server corresponding to the user identity information, and calculate the local notarization information of the new user and the local notarization information on the server, obtain the new local notarization information on the server of the user, and store it, wherein the device also includes a signing request acquisition module and a notarization information calculation submodule, The signing request acquisition module is used to receive the signing electronic channel request of the user, and in the process of signing the electronic channel, obtain the notarization initialization information and user identity information of the user, wherein the user local notarization information includes the notarization initialization information; The notarization information calculation submodule is used to calculate the notarization initialization information and the user identity information, obtain the user's initial server-side local notarization information, and store it. The server-side local notarization information includes the initial server-side local notarization information.

7. The device according to claim 6, characterized in that The notarization initialization information includes the contract signing address, contract signing time and electronic signature.

8. The device according to claim 6, characterized in that If the service request is a request to log into an electronic channel, the service-related information includes the device number of the login terminal, the network address of the login terminal, the latitude and longitude of the login terminal, and a timestamp.

9. The device according to claim 6, characterized in that If the business request is a request to initiate a loan, the business-related information includes the loan amount, loan term and annualized interest rate.

10. The device according to claim 6, characterized in that If the business request is a request for initiating a loan confirmation, the business-related information includes the loan amount, serial number, loan term and repayment method.

11. A computer device comprising a memory and a processor, wherein the memory stores a computer program, wherein: When the processor executes the computer program, the steps of the method according to any one of claims 1 to 5 are implemented.

12. 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 5 are implemented.

13. A computer program product, comprising a computer program, 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 5 are implemented.

Images