Remote credit method, device, electronic device and storage medium

Abstract

The present invention discloses a remote credit method, device, electronic device and storage medium. The method comprises: after the identity information of the user to be verified is verified, determining the user to be verified as a target credit user; establishing a communication connection between a user client of the target credit user and a customer service client of an artificial customer service; retrieving a target credit template corresponding to the target credit user, so as to complete the credit business based on the target credit template and the communication connection. The technical scheme of the present invention realizes the verification of the identity of the user according to the identity information of the user, and retrieves the target credit template corresponding to the user, and then completes the corresponding credit business based on the target credit template, which reduces the time required to import the business for the user, not only meets the business needs of remote credit processing, but also achieves the technical effect of improving the user's operating efficiency.

Description

Technical Field

[0001] The embodiments of the present invention relate to computer technology, and more particularly to a remote credit method, device, electronic device and storage medium. Background Art

[0002] With the rapid development of Internet technology and financial technology, remote video interaction technology has been widely used in the financial field. Users can use remote video interaction technology to handle financial business online remotely.

[0003] However, the prior art generally requires obtaining a variety of information and performing in-depth customization for each user based on the obtained information. Since in-depth customization for each user needs to be performed based on the obtained information, it is impossible to quickly provide remote video services to users. Summary of the invention

[0004] The present invention provides a remote credit method, device, electronic device and storage medium to achieve the technical effect of quickly introducing remote video interview services and thus improving the efficiency of service introduction.

[0005] In a first aspect, an embodiment of the present invention provides a remote credit method, comprising:

[0006] After the identity information of the user to be verified is verified, the user to be verified is determined to be a target credit user;

[0007] Establishing a communication connection between a user client of the target credit user and a customer service client of an artificial customer service;

[0008] A target credit template corresponding to the target credit user is retrieved to complete the credit business based on the target credit template and the communication connection.

[0009] In a second aspect, an embodiment of the present invention further provides a remote credit device, the device comprising:

[0010] An identity information verification module, used to determine that the user to be verified is a target credit user after the identity information of the user to be verified is verified;

[0011] A communication connection establishment module, used to establish a communication connection between a user client of the target credit user and a customer service client of the manual customer service;

[0012] The credit template retrieval module is used to retrieve the target credit template corresponding to the target credit user, so as to complete the credit business based on the target credit template and the communication connection.

[0013] In a third aspect, an embodiment of the present invention further provides an electronic device, the electronic device comprising:

[0014] one or more processors;

[0015] a storage device for storing one or more programs,

[0016] When the one or more programs are executed by the one or more processors, the one or more processors implement the remote credit method as described in any one of the embodiments of the present invention.

[0017] In a fourth aspect, an embodiment of the present invention further provides a storage medium comprising computer executable instructions, wherein the computer executable instructions, when executed by a computer processor, are used to execute the remote credit method as described in any one of the embodiments of the present invention.

[0018] The technical solution of the embodiment of the present invention determines that the user to be verified is a target credit user after the identity information of the user to be verified is verified; establishes a communication connection between the user client of the target credit user and the customer service client of the manual customer service; retrieves the target credit template corresponding to the target credit user, and completes the credit business based on the target credit template and the communication connection. Through the above technical solution, the present invention completes the verification of user identity information, ensures the correctness of the identity of the target credit user, and retrieves the corresponding target credit template according to the target credit user, so as to quickly introduce the corresponding video interview service to the user, thereby improving the efficiency of introducing the service. BRIEF DESCRIPTION OF THE DRAWINGS

[0019] In order to more clearly illustrate the technical solutions of the exemplary embodiments of the present invention, the following briefly introduces the drawings required to describe the embodiments. Obviously, the drawings introduced are only drawings of a part of the embodiments to be described in the present invention, rather than all the drawings. For ordinary technicians in this field, other drawings can be obtained based on these drawings without creative work.

[0020] Figure 1 is a flow chart of a remote credit method provided in the first embodiment of the present invention;

[0021] Figure 2 It is a flowchart of a remote credit service method provided in the first embodiment of the present invention;

[0022] Figure 3 This is a flow chart of generating and importing a credit product provided in the second embodiment of the present invention;

[0023] Figure 4 is a schematic diagram of the structure of a remote credit device provided in Embodiment 3 of the present invention;

[0024] Figure 5It is a structural schematic diagram of an electronic device provided in Embodiment 4 of the present invention. DETAILED DESCRIPTION

[0025] The present invention will be further described in detail below in conjunction with the accompanying drawings and embodiments. It is to be understood that the specific embodiments described herein are only used to explain the present invention, rather than to limit the present invention. It should also be noted that, for ease of description, only parts related to the present invention, rather than all structures, are shown in the accompanying drawings.

[0026] Embodiment 1

[0027] Figure 1 This is a flow chart of a remote credit method provided in Embodiment 1 of the present invention. This embodiment is applicable to situations where remote credit services need to be provided to users. The method can be executed by a remote credit device, which can be composed of hardware and / or software and can generally be integrated into electronic devices such as mobile phones, tablets, and computers.

[0028] like Figure 1 As shown, a remote credit method provided in the first embodiment of the present disclosure includes the following steps:

[0029] S110, after the identity information of the user to be verified is verified, determining the user to be verified as a target credit user;

[0030] The user to be verified may be a user who has completed account registration but needs identity verification, or a user who has not registered an account. The identity information may be the user's identity identification information. The target credit user may be a user who has passed identity information verification.

[0031] Specifically, after the user completes the account login, a corresponding identity authentication page may be popped up for the user, and verification may be performed based on the identity information entered by the user on the identity authentication page. Alternatively, if the current user has not registered an account, the account registration page may be popped up for the user first. After the user completes the account registration and logs in on the account login interface, the identity authentication page may be popped up for the user, thereby completing verification based on the identity information entered by the user, and further determining that the user to be verified is a target credit user.

[0032] On the basis of the above technical solution, after the identity information of the user to be verified is verified, the user to be verified is determined to be the target credit user, including: when the received initial identity authentication request meets the preset authentication conditions, the identity authentication page is displayed; if the identity information to be verified edited in the identity authentication page meets the compliance conditions, a facial image verification page is popped up; the target facial information displayed in the facial image verification page is obtained, and when the target facial information is consistent with the facial information to be matched corresponding to the identity information to be verified, the user to be verified is used as the target credit user.

[0033] Among them, the initial identity verification request can be a verification request issued by the interactive button triggered by the user after the user completes the information input on the account login page. The identity verification page can be a page that pops up for the user to verify the identity information after completing the initial identity authentication request. The identity information to be verified can be the identity information entered by the user on the identity verification page but not verified. The facial image verification page can be a page used to collect the facial image of the current user and verify the collected facial image. The target facial information can be facial information obtained based on the facial image collected on the facial image verification page. The facial information to be matched can be obtained based on the identity information entered by the user, or it can be obtained through the facial information collection page that pops up for the user when the user registers an account.

[0034] Specifically, after the user completes the login on the login page displayed by the application, a corresponding identity verification page pops up for the user, and the user can enter relevant information on the identity verification page, or the application prompts the user to enter the corresponding identity information according to a pre-set method. After completing the input of the identity information, it is determined whether the identity information meets the compliance conditions. When the compliance conditions are met, the corresponding facial image verification page pops up for the user. The application can prompt the user to enter facial information according to a preset method, and then obtain the target facial information based on the facial information, and match the target facial information with the facial information to be matched. When the matching is completed, the current user is determined to be the target credit user. For example, when collecting the user's facial information, the user can be prompted to perform corresponding actions according to a preset method, such as blinking, turning the head to the left, turning the head to the right, etc. This can ensure that the collected facial information is more complete, which is convenient for matching.

[0035] S120, establishing a communication connection between the user client of the target credit user and the customer service client of the manual customer service;

[0036] Among them, the user client can be an application running in the user's terminal device to provide localized services for the target credit user. The terminal device includes but is not limited to mobile phones, PCs, tablet computers, etc. Correspondingly, the customer service client can be an application running in the customer's terminal device to provide localized services for manual customer service. Manual customer service can be a staff member who provides customer service to users. For example, when it is necessary to provide video services to users, the manual customer service can be video customer service, when it is necessary to provide text services to users, the manual customer service can be text customer service, and when it is necessary to provide voice services to users, the manual customer service can be voice customer service. Furthermore, the communication connection can be video communication, text communication or voice communication.

[0037] Specifically, when the verification is completed according to the identity information input by the user to be verified and it is determined that the current user to be verified is the target credit user, a communication connection is established between the user client of the target credit user and the customer service client of the manual customer service. For example, when it is determined that the current user to be verified is the target credit user, the client of the target credit user sends a communication connection request, and the server determines the customer service client of the manual customer service with which communication needs to be established based on the communication connection request, and then establishes a communication connection between the user client of the target credit user and the customer service client of the manual customer service. It can be understood that the communication connection request can include pairing information of the user client and the customer service client, and then the server can establish a communication connection between the user client and the customer service client based on the pairing information.

[0038] S130: Retrieve a target credit template corresponding to the target credit user, so as to complete the credit business based on the target credit template and the communication connection.

[0039] The target credit template may be template information selected and combined by the target credit user from preset credit templates according to needs. For example, the user may select the type of business to be handled, the amount of the business, and the date of the business from the preset templates according to needs, and then combine the template information selected by the target user to obtain the target credit template. The credit business may be the business selected by the target credit user according to needs.

[0040] On the basis of the above technical solution, the target credit template corresponding to the target credit user is retrieved to complete the credit business based on the target credit template and the communication connection, including: determining at least one target configuration element to be selected according to the basic information of the target credit user; determining the target credit template according to the at least one target configuration element to be selected and the target credit product selected on the customer service client; and completing the credit business based on the target credit template and the communication connection.

[0041] The basic information of the target credit user may include the user's education information, asset information, credit information, liability information, risk information, income information, and expenditure information. The target configuration elements to be selected may be elements determined based on the basic information of the target credit user. The target credit product may be a credit product selected by the user on the client according to needs.

[0042] Specifically, after completing the communication connection between the user's client and the artificial customer's client, the credit business can be completed according to the target credit template corresponding to the target credit user, and at least one target band selection configuration element can be determined according to the user's basic information, such as determining the corresponding business amount according to the user's asset information, determining the corresponding business period according to the user's income information, or determining whether to provide business to the user according to the user's risk information. After determining the configuration elements to be selected, the corresponding target credit template is determined according to the target credit product selected on the customer service client, and then the corresponding credit business can be completed.

[0043] Based on the above embodiments, Figure 2 A flowchart of a remote credit service method is provided, and accordingly, Figure 2 As shown, the steps of this remote credit service method are as follows:

[0044] Individual customers log in through the login page of the application and enter the business application. The system automatically determines the customer's identity. If it passes, it will proceed to the next step. If it fails, it will automatically terminate.

[0045] The user uploads identity information through the identity information verification page. Based on the identity information uploaded by the user, OCR technology is used to identify and automatically determine whether the identity information is consistent with the customer himself. If it passes, it will proceed to the next step. If it fails, it will automatically terminate.

[0046] Specifically, after the user completes the login through the login interface of the application, a corresponding identity information verification page pops up for the user. The user can upload the required identity identification information according to the guidance information on the identity information verification page. For example, a viewfinder is displayed on the identity information verification page, and corresponding text is displayed to guide the user to upload the identity identification information through the viewfinder, and then the OCR technology can be used to judge the user's identity based on the identity identification information.

[0047] Customer facial information liveness recognition collects the current user's facial information through the face information verification page, and the system automatically determines whether the collected facial information of the current user is consistent with the customer himself. If it passes, it will proceed to the next step, otherwise it will automatically terminate.

[0048] Specifically, after the user's identity information is verified, a corresponding face information verification page will pop up for the user, and the user's facial information will be collected through the face information verification page. For example, the camera in the user's electronic device can be called up through a preset method, and the user's facial information can be collected through the camera. In the process of collecting information, the user is guided to make corresponding actions, thereby completing facial information liveness recognition.

[0049] A video interview call connection is established, and a video customer service representative intervenes to conduct a question-and-answer interaction with the customer to complete the credit interview business. A human judge determines whether the customer passes the interview. If the customer passes the interview, the interview ends successfully. If the customer fails the interview, the interview ends automatically.

[0050] Specifically, the business configuration is completed in advance according to the basic information of the user, and the corresponding template is generated. Then, the manual customer communicates with the user according to the information filled in by the user, and then completes the credit interview, and the manual customer service determines whether the interview is successful. Alternatively, after the business configuration is completed according to the basic information of the user and the corresponding template is generated, the preset intelligent customer service communicates with the user according to the information filled in by the user, and judges the result of the communication according to the preset method, and then automatically determines whether the interview is successful according to the judgment result.

[0051] The technical solution provided by the first embodiment of the present invention determines that the user to be verified is a target credit user after the identity information of the user to be verified is verified; establishes a communication connection between the user client of the target credit user and the customer service client of the manual customer service; retrieves the target credit template corresponding to the target credit user, and completes the credit business based on the target credit template and the communication connection. Using the above method, the user identity can be verified according to the user's identity information, ensuring the correctness of the user identity, and by retrieving the target credit template corresponding to the target credit user, the service can be quickly imported for the user, thereby improving the efficiency of service import.

[0052] Embodiment 2

[0053] A remote credit method is provided in the second embodiment of the present invention. Based on the above embodiment, the above remote credit method is further optimized. Accordingly, the method of this embodiment specifically includes:

[0054] At least one credit template to be selected is created to determine the target credit template from the at least one credit template to be selected according to the basic information of the target credit user.

[0055] Among them, the credit template to be selected can be determined in advance based on the basic information of the user. For example, when the user registers an account, the user needs to provide the corresponding basic information. At least one credit panel to be selected can be created based on the basic information entered by the user. Then, when the target credit user needs to handle the corresponding credit business, he can choose from the created credit panel to be selected based on the basic information of the target credit user. It is understandable that different users can correspond to different credit templates to be selected. Because different users have different basic information, it is necessary to create at least one credit template to be selected, so as to meet the needs of all users as much as possible.

[0056] In this embodiment, the creation of at least one credit template to be selected includes: determining at least one configuration element to be selected; wherein the configuration element to be selected corresponds to the business configuration, process configuration and data configuration; and determining at least one corresponding target configuration element to be selected according to each user information, so as to generate a credit template to be selected corresponding to each user information based on the target configuration element.

[0057] Among them, business configuration can be to configure the business, for example, the corresponding business elements can be obtained according to the basic information of the user, and the business configuration can be performed based on the business elements. Flow configuration can be the transmission relationship in the business process. For example, when the user's identity information is successfully verified, the user's facial data needs to be verified according to a preset method, and the process configuration is completed based on the process elements of the current step, and a facial information authentication page pops up for the user. Data configuration can be to configure the data based on the user's basic information. For example, the length of the user-editable field on the page can be configured according to the user's basic information, or the value range of the data can be configured. It can be understood that, depending on the user information, different users may correspond to different target configuration elements to be selected, so it is necessary to determine at least one target configuration element to be selected, so as to meet the needs of different users.

[0058] On the basis of the above technical solution, optionally, the creation of at least one credit template to be selected includes: determining at least one target configuration element to be selected according to the user information of the target credit user; and generating a target credit template corresponding to the target credit user based on the at least one target configuration element to be selected.

[0059] Specifically, at least one target configuration element to be selected is determined based on the user information of the target credit user. For example, the business limit, business term, etc. are determined for the user based on the user's income information, the business type, business scope, etc. are determined based on the user's educational information, and the business limit and the range of limits that the user can select are determined based on the user's asset information. Then, the obtained configuration elements to be selected are combined according to the user's selection to generate a target credit template corresponding to the target credit user.

[0060] On the basis of the above technical solution, the determination of the configuration elements to be selected includes: determining at least one business element to be selected based on the business information in each credit business to be selected; generating at least one circulation element to be selected based on the circulation information in each credit business to be selected; setting the data type, string length information, string validity information and application scope information corresponding to each data editing field to obtain each field element to be selected; based on the at least one business element to be selected, at least one circulation element to be selected and each field element to be selected, as the configuration element to be selected.

[0061] Among them, the business information may be the relevant information of the credit business. Specifically, the business information may include the business term, business limit, business type, etc. The business element may be the element information of the credit business. For example, the business may be determined based on the user's information, and then the corresponding business element may be obtained according to the determined business. The flow information may be understood as the flow information in the process of handling the business. Specifically, the flow information may be the process link, process flow control, process parameter, process customization, etc. The flow element may be understood as the element information of the business in the process of flow. For example, the corresponding flow element may be determined based on the flow information of the business. The data editing field may be understood as the field that the user can edit. The data type corresponding to the data editing field may be understood as the data type of the data editing field. The data type may be text data, numeric data, etc. The string length information may be the field length information of the data editing field. The string validity information may be used to determine whether the string of the data editing field is valid. The application scope information may be used to determine the valid scope of the data editing field.

[0062] Based on the above embodiments, Figure 3 A flowchart of credit product generation and import is provided, and correspondingly, Figure 3 As shown, the credit product generation and import method specifically includes:

[0063] Rapid customization of scenarios mainly considers three aspects: business elements, process elements, and data elements. This technical solution designs a set of product control templates for credit product managers to quickly configure and push to the client in real time, so as to achieve the purpose of quickly responding to product needs and enhance the first-mover competitiveness of products.

[0064] Business elements: Product templates help product managers quickly define and scope business elements from multiple perspectives, such as element definition, element scope, element control, and element scenarios, so as to meet scenario business configuration. Process elements: Product templates help product managers quickly customize personalized processes from multiple perspectives, such as process links, process flow control, process parameters, and process customization, so as to meet scenario process configuration. Data elements: Product templates customize credit data from multiple perspectives, such as data type, data length, data validity, data value range, application scope, and data visualization, so as to meet scenario data configuration.

[0065] Automatic service generation and registration, based on the product manager's quick customization of a set of scene-based personalized customization solutions, to provide a means of rapid product access. This technical solution provides a set of automatic service generation mechanisms, real-time import of scene parameter configuration, and provides differentiated solutions for the scene.

[0066] Import the product with one click, and the product manager will automatically generate relevant information of the service (including service address, service type, authentication method, authentication elements) and import it into the credit product, and implement it in a concise, efficient and pluggable way without affecting the existing code logic and process control of the product. Among them, the service address can be understood as the location of the target credit user. The service type can be the type of service provided to the target credit user. The authentication method can be the method for authenticating user information provided to the target credit user. The authentication element can be the specific user information obtained, such as matching the user's facial information based on the facial information collected on the facial information authentication page, and then determining whether the current user is the target credit user.

[0067] The product has been successfully implemented and the video interview method has been seamlessly embedded into normal product scenarios.

[0068] Specifically, by completing the configuration of the template from the three aspects of business elements, process elements and data elements, the corresponding product template is generated, and then the generated product template is authenticated and the corresponding registration is completed. After completing the registration of the product template, the relevant information of the generated service is directly imported into the credit product, and the credit product required by the user can be directly obtained. Then, without affecting the existing logic and control of the product, the service is imported, which improves the efficiency of service import. After the service import is completed, the corresponding video interview method can be provided to meet the needs of users to handle credit business remotely and improve the user's operating experience.

[0069] The technical solution provided in the second embodiment of the present invention creates at least one credit template to be selected, and determines the target credit template from the at least one credit template to be selected according to the basic information of the target credit user. By using the above method, a credit template matching the basic information of the user is selected from the pre-created credit templates to be selected, and then the target credit template is determined, so as to achieve a rapid response to user needs. In addition, the solution can import configuration information in real time based on scenario parameters, and can provide differentiated solutions for different scenarios, thereby achieving the effect of improving the efficiency of service import.

[0070] Embodiment 3

[0071] Figure 4 This is a schematic diagram of the structure of a remote credit device provided in Embodiment 3 of the present invention, the device comprising:

[0072] An identity information verification module 41 is used to determine that the user to be verified is a target credit user after the identity information of the user to be verified is verified;

[0073] A communication connection establishing module 42, used to establish a communication connection between a user client of the target credit user and a customer service client of the manual customer service;

[0074] The credit template retrieval module 43 is used to retrieve the target credit template corresponding to the target credit user, so as to complete the credit business based on the target credit template and the communication connection.

[0075] Based on the above technical solution, optionally, the identity information verification module 41 is specifically used for:

[0076] When the received initial identity authentication request meets the preset authentication conditions, the identity authentication page is displayed;

[0077] If the identity information to be verified edited in the identity verification page meets the compliance conditions, a facial image verification page pops up;

[0078] The target facial information displayed in the facial image verification page is obtained, and when the target facial information is consistent with the facial information to be matched corresponding to the identity information to be verified, the user to be verified is used as the target credit user.

[0079] Based on the above technical solution, optionally, the remote credit device further includes:

[0080] The target credit template determination module 40 is used to create at least one credit template to be selected, so as to determine the target credit template from the at least one credit template to be selected according to the basic information of the target credit user.

[0081] Based on the above technical solution, optionally, the target credit template determination module 40 can be configured as follows:

[0082] Determine at least one configuration element to be selected; wherein the configuration element to be selected corresponds to a business configuration, a process configuration, and a data configuration;

[0083] According to each user information, at least one corresponding target configuration element to be selected is determined, so as to generate a credit template to be selected corresponding to each user information based on the target configuration element.

[0084] Based on the above technical solution, optionally, the target credit template determination module 40 may also be configured as follows:

[0085] Determining at least one target configuration element to be selected according to the user information of the target credit user;

[0086] Based on the at least one target configuration element to be selected, a target credit template corresponding to the target credit user is generated.

[0087] Based on the above technical solution, optionally, the target credit template determination module 40 further includes:

[0088] A configuration element determination unit to be selected, used to determine at least one business element to be selected according to the business information in each credit business to be selected;

[0089] Generate at least one circulation element to be selected according to the circulation information in each credit business to be selected;

[0090] Set the data type, string length information, string validity information and application range information corresponding to each data editing field to obtain each field element to be selected;

[0091] Based on the at least one business element to be selected, the at least one flow element to be selected and each field element to be selected, as the configuration element to be selected.

[0092] On the basis of the above technical solution, optionally, the credit template retrieval module 43 is specifically used for:

[0093] Determining at least one target configuration element to be selected according to the basic information of the target credit user;

[0094] Determining a target credit template according to the at least one target configuration element to be selected and the target credit product selected on the customer service client;

[0095] Based on the target credit template and the communication connection, the credit business is completed.

[0096] The remote credit device provided in the embodiment of the present invention can execute the remote credit method provided in any embodiment of the present invention, and has the corresponding functional modules and beneficial effects of the execution method.

[0097] It is worth noting that the various units and modules included in the above system are only divided according to functional logic, but are not limited to the above division, as long as the corresponding functions can be achieved; in addition, the specific names of the functional units are only for the convenience of distinguishing each other, and are not used to limit the protection scope of the embodiments of the present invention.

[0098] Embodiment 4

[0099] Figure 5 A schematic diagram of the structure of an electronic device provided in Embodiment 4 of the present invention. Figure 5 A block diagram of an exemplary electronic device 50 suitable for implementing exemplary embodiments of the present invention is shown. Figure 5 The electronic device 50 shown is only an example and should not bring any limitation to the functions and scope of use of the embodiments of the present invention.

[0100] like Figure 5 As shown, the electronic device 50 is in the form of a general computing device. The components of the electronic device 50 may include but are not limited to: one or more processors or processing units 501, a system memory 502, and a bus 503 connecting different system components (including the system memory 502 and the processing unit 501).

[0101] Bus 503 represents one or more of several types of bus structures, including a memory bus or memory controller, a peripheral bus, an accelerated graphics port, a processor or a local bus using any of a variety of bus structures. For example, these architectures include but are not limited to Industry Standard Architecture (ISA) bus, Micro Channel Architecture (MAC) bus, Enhanced ISA bus, Video Electronics Standards Association (VESA) local bus and Peripheral Component Interconnect (PCI) bus.

[0102] The electronic device 50 typically includes a variety of computer system readable media. These media can be any available media that can be accessed by the electronic device 50, including volatile and non-volatile media, removable and non-removable media.

[0103] System memory 502 may include computer system readable media in the form of volatile memory, such as random access memory (RAM) 504 and / or cache memory 505. Electronic device 50 may further include other removable / non-removable, volatile / non-volatile computer system storage media. By way of example only, storage system 506 may be used to read and write non-removable, non-volatile magnetic media ( Figure 5 not shown, usually called a "hard drive"). Although Figure 5 Not shown in the figure, a disk drive for reading and writing to a removable non-volatile disk (e.g., a "floppy disk"), and an optical disk drive for reading and writing to a removable non-volatile optical disk (e.g., a CD-ROM, a DVD-ROM, or other optical media) may be provided. In these cases, each drive may be connected to the bus 503 via one or more data medium interfaces. The memory 502 may include at least one program product having a set (e.g., at least one) of program modules that are configured to perform the functions of the embodiments of the present invention.

[0104] A program / utility 508 having a set (at least one) of program modules 507 may be stored, for example, in the memory 502, such program modules 507 including but not limited to an operating system, one or more application programs, other program modules, and program data, each of which or some combination may include an implementation of a network environment. The program modules 507 generally perform the functions and / or methods of the embodiments described herein.

[0105] The electronic device 50 may also communicate with one or more external devices 509 (e.g., keyboards, pointing devices, displays 510, etc.), may communicate with one or more devices that enable a user to interact with the electronic device 50, and / or communicate with any device that enables the electronic device 50 to communicate with one or more other computing devices (e.g., a network card, a modem, etc.). Such communication may be performed through an input / output (I / O) interface 511. Furthermore, the electronic device 50 may also communicate with one or more networks (e.g., a local area network (LAN), a wide area network (WAN), and / or a public network, such as the Internet) through a network adapter 512. As shown, the network adapter 512 communicates with other modules of the electronic device 50 through the bus 503. It should be understood that although Figure 5 Not shown, other hardware and / or software modules may be used in conjunction with the electronic device 50, including but not limited to: microcode, device drivers, redundant processing units, external disk drive arrays, RAID systems, tape drives, and data backup storage systems.

[0106] The processing unit 501 executes various functional applications and data processing by running the programs stored in the system memory 502, such as implementing the remote credit method provided by the embodiment of the present invention.

[0107] Embodiment 5

[0108] Embodiment 5 of the present invention provides a storage medium containing computer executable instructions, on which computer executable instructions are stored. When the instructions are executed by a processor, the remote credit method provided in the above embodiment is implemented:

[0109] After the identity information of the user to be verified is verified, the user to be verified is determined to be a target credit user;

[0110] Establishing a communication connection between a user client of the target credit user and a customer service client of an artificial customer service;

[0111] A target credit template corresponding to the target credit user is retrieved to complete the credit business based on the target credit template and the communication connection.

[0112] The storage medium containing computer executable instructions of the embodiment of the present invention can adopt any combination of one or more computer-readable media. Computer-readable media can be computer-readable signal media or computer-readable storage media. Computer-readable storage media can be, for example, - but not limited to - electrical, magnetic, optical, electromagnetic, infrared, or semiconductor systems, devices or devices, or any combination of the above. More specific examples (non-exhaustive list) of computer-readable storage media include: electrical connections with one or more wires, portable computer disks, hard disks, random access memories (RAM), read-only memories (ROM), erasable programmable read-only memories (EPROM or flash memory), optical fibers, portable compact disk read-only memories (CD-ROM), optical storage devices, magnetic storage devices, or any suitable combination of the above. In this document, computer-readable storage media can be any tangible medium containing or storing a program, which can be used by or in combination with an instruction execution system, device or device.

[0113] Computer-readable signal media may include data signals propagated in baseband or as part of a carrier wave, which carry computer-readable program code. Such propagated data signals may take a variety of forms, including but not limited to electromagnetic signals, optical signals, or any suitable combination of the above. Computer-readable signal media may also be any computer-readable medium other than a computer-readable storage medium, which may send, propagate, or transmit a program for use by or in conjunction with an instruction execution system, apparatus, or device.

[0114] Program code embodied on a computer readable medium may be transmitted using any appropriate medium, including but not limited to wireless, wireline, optical fiber cable, RF, etc., or any suitable combination of the foregoing.

[0115] Computer program code for performing the operation of embodiments of the present invention may be written in one or more programming languages ​​or a combination thereof, including object-oriented programming languages, such as Java, Smalltalk, C++, and conventional procedural programming languages, such as "C" or similar programming languages. The program code may be executed entirely on a user's computer, partially on a user's computer, as an independent software package, partially on a user's computer and partially on a remote computer, or entirely on a remote computer or server. In the case of a remote computer, the remote computer may be connected to the user's computer via any type of network, including a local area network (LAN) or a wide area network (WAN), or may be connected to an external computer (e.g., via the Internet using an Internet service provider).

[0116] Note that the above are only preferred embodiments of the present invention and the technical principles used. Those skilled in the art will understand that the present invention is not limited to the specific embodiments described herein, and that various obvious changes, readjustments and substitutions can be made by those skilled in the art without departing from the scope of protection of the present invention. Therefore, although the present invention has been described in more detail through the above embodiments, the present invention is not limited to the above embodiments, and may include more other equivalent embodiments without departing from the concept of the present invention, and the scope of the present invention is determined by the scope of the appended claims.

Claims

1. A remote credit method, It is characterized in that include: After the identity information of the user to be verified is verified, the user to be verified is determined to be a target credit user; Establishing a communication connection between a user client of the target credit user and a customer service client of an artificial customer service; Retrieving a target credit template corresponding to the target credit user, so as to complete the credit business based on the target credit template and the communication connection; The method further comprises: Creating at least one credit template to be selected, so as to determine the target credit template from the at least one credit template to be selected according to the basic information of the target credit user, wherein the credit template to be selected is determined in advance according to the basic information of the user; The step of creating at least one credit template to be selected comprises: Determine at least one configuration element to be selected; wherein the configuration element to be selected corresponds to a business configuration, a process configuration, and a data configuration; Determine at least one corresponding target configuration element to be selected according to each user information, so as to generate a credit template to be selected corresponding to each user information based on the target configuration element to be selected; The step of creating at least one credit template to be selected comprises: Determining at least one target configuration element to be selected according to the user information of the target credit user; generating a target credit template corresponding to the target credit user based on the at least one target configuration element to be selected; The configuration elements to be selected include: Determining at least one business element to be selected based on the business information of each credit business to be selected; Generate at least one circulation element to be selected according to the circulation information in each credit business to be selected; Set the data type, string length information, string validity information and application range information corresponding to each data editing field to obtain each field element to be selected; Based on the at least one business element to be selected, the at least one flow element to be selected and each field element to be selected, as the configuration element to be selected.

2. The method according to claim 1, It is characterized in that After the identity information of the user to be verified is verified, determining the user to be verified as a target credit user includes: When the received initial identity authentication request meets the preset authentication conditions, the identity authentication page is displayed; If the identity information to be verified edited in the identity verification page meets the compliance conditions, a facial image verification page pops up; The target facial information displayed in the facial image verification page is obtained, and when the target facial information is consistent with the facial information to be matched corresponding to the identity information to be verified, the user to be verified is used as the target credit user.

3. The method according to claim 1, It is characterized in that The step of retrieving a target credit template corresponding to the target credit user to complete a credit business based on the target credit template and the communication connection includes: Determining at least one target configuration element to be selected according to the basic information of the target credit user; Determining a target credit template according to the at least one target configuration element to be selected and the target credit product selected on the customer service client; Complete the credit service based on the target credit template and the communication connection.

4. A remote credit device, characterized in that it includes: An identity information verification module, configured to determine the user to be verified as a target credit user after the identity information of the user to be verified is successfully verified; A communication connection establishment module, configured to establish a communication connection between the user client of the target credit user and the customer service client of the human customer service; A credit template retrieval module, configured to retrieve a target credit template corresponding to the target credit user, and complete the credit service based on the target credit template and the communication connection; The remote credit device further includes: A target credit template determination module, configured to create at least one credit template to be selected, and determine the target credit template from the at least one credit template to be selected according to the basic information of the target credit user, where the credit template to be selected is pre-determined according to the basic information of the user; The target credit template determination module is configured to: Determine at least one configuration element to be selected; where the configuration element to be selected corresponds to service configuration, process configuration, and data configuration; according to each user information, determine the corresponding at least one target configuration element to be selected, and generate a credit template to be selected corresponding to each user information based on the target configuration element to be selected; The target credit template determination module is configured to: according to the user information of the target credit user, determine at least one target configuration element to be selected; and generate a target credit template corresponding to the target credit user based on the at least one target configuration element to be selected; The target credit template determination module further includes: a configuration element to be selected determination unit, configured to determine at least one service element to be selected according to the service information in each credit service to be selected; generate at least one flow element to be selected according to the flow information in each credit service to be selected; set the data type, string length information, string validity information, and application range information corresponding to each data editing field to obtain each field element to be selected; and use the at least one service element to be selected, the at least one flow element to be selected, and each field element to be selected as the configuration element to be selected.

5. An electronic device, characterized in that the electronic device includes: One or more processors; A storage device, configured to store one or more programs, When the one or more programs are executed by the one or more processors, the one or more processors implement the remote credit method according to any one of claims 1-3.

6. A storage medium containing computer-executable instructions, characterized in that the computer-executable instructions are used to execute the remote credit method according to any one of claims 1-3 when executed by a computer processor.

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