Online loan approval method, system, terminal device and computer storage medium

Abstract

The application relates to the technical field of financial technology, and discloses an online loan approval method and system, a terminal device and a computer storage medium. The online loan approval method receives a loan application related to a vehicle transmitted through a preset loan application channel, collects qualification information of an applicant of the loan application for qualification review, outputs a preset loan guarantee link according to a review result of the qualification review, collects qualification information of a guarantor of the loan application based on the loan guarantee link for guarantee review, outputs a loan signing prompt if the review result of the guarantee review is passed, and performs a loan operation after receiving a signing instruction triggered based on the loan signing prompt. The application saves a large amount of human resources and time resources of the applicant and loan approval personnel, accelerates the loan approval process, provides convenience for loan application and approval, and improves the overall loan approval efficiency.

Description

Technical Field

[0001] This invention relates to the field of financial technology (Fintech), and more particularly to an online loan approval method, system, terminal device, and computer storage medium. Background Technology

[0002] With the development of computer technology, more and more technologies are being applied in the financial field, and the traditional financial industry is gradually transforming into a financial technology industry. However, due to the security requirements of the financial industry, higher demands are also being placed on technology.

[0003] Currently, people typically use loans to purchase vehicles or use other vehicle-related supplementary loans to purchase corresponding vehicle services. However, although the use of existing loans is quite convenient for people, the entire process of applying for and approving a loan requires a significant amount of time and effort from both the applicant and the loan approval personnel. This complex workflow, involving the preparation, submission, approval, and even review of loan-related documents, often leads people to abandon the use of loans due to its cumbersome application and approval process.

[0004] In summary, the current loan application approval process consumes a significant amount of human and time resources, resulting in relatively low overall loan approval efficiency. Summary of the Invention

[0005] The main objective of this invention is to provide an online loan approval method, system, terminal device, and computer storage medium, aiming to solve the technical problem that the existing loan application approval process requires a large amount of human and time resources, resulting in low overall loan approval efficiency.

[0006] To achieve the above objectives, the present invention provides an online loan approval method for vehicle-related loans, the online loan approval method comprising:

[0007] Receive vehicle-related loan applications transmitted through a preset loan application channel, and collect the applicant's qualification information for qualification review;

[0008] Based on the results of the qualification review, a preset loan guarantee link is output, and the qualification information of the guarantor of the loan application is collected based on the loan guarantee link for guarantee review;

[0009] If the guarantee review is successful, a loan signing prompt will be output, and the loan disbursement operation will be executed after receiving the signing instruction triggered by the loan signing prompt.

[0010] Optionally, after the step of collecting the applicant's qualification information for the loan application and conducting qualification verification, the method further includes:

[0011] Based on the results of the qualification review, output the loan signing prompt and receive the signing instruction to execute the loan disbursement operation.

[0012] Optionally, after the step of receiving the vehicle-related loan application transmitted through the preset loan application channel, the method further includes:

[0013] Check whether the applicant for the loan application has completed the qualification review;

[0014] If so, then execute the output loan signing prompt, and after receiving the signing instruction triggered based on the loan signing prompt, execute the loan disbursement operation.

[0015] If not, then proceed with the steps of collecting the applicant's qualification information for the loan application, conducting qualification verification, and subsequent steps.

[0016] Optionally, after the step of collecting the guarantor's qualification information for the loan application based on the loan guarantee link and conducting guarantee verification, the method further includes:

[0017] The system tracks the status of guarantees undergoing review and checks whether the guarantee status meets the preset conditions for guarantee application failure.

[0018] If the guarantee status is detected to meet the conditions for guarantee application failure, an approval prompt indicating loan application failure will be output to end the loan application approval process.

[0019] Optionally, the method further includes:

[0020] Obtain the applicant's application operation node, and manage customer leads according to the operation stage to which the application operation node belongs.

[0021] Optionally, the method further includes:

[0022] The approval results of the qualification review will be output through a preset prompt output method, wherein the prompt output method includes: user graphical interface display and / or information prompt.

[0023] Optionally, the step of collecting the applicant's qualification information for the loan application and conducting qualification verification includes:

[0024] A preset information entry interface is output based on the loan application;

[0025] The applicant's basic information and / or supplementary information are received based on the information input interface;

[0026] The basic information and / or the supplementary information will be used as qualification information for qualification review.

[0027] Furthermore, to achieve the above objectives, the present invention also provides an online loan approval system for vehicle-related loans, the online loan approval system comprising:

[0028] The first review module is used to receive vehicle-related loan applications transmitted through a preset loan application channel and to collect the applicant's qualification information for qualification review.

[0029] The second review module is used to output a preset loan guarantee link based on the review results of the qualification review, and to collect the qualification information of the guarantor of the loan application for guarantee review based on the loan guarantee link;

[0030] The loan signing and disbursement module is used to output a loan signing prompt if the guarantee review result is approved, and to execute the loan disbursement operation after receiving the signing instruction triggered by the loan signing prompt.

[0031] In this invention, each functional module of the online loan approval system implements the steps of the online loan approval method described above during operation.

[0032] In addition, to achieve the above objectives, the present invention also provides a terminal device, the terminal device comprising: a memory, a processor, and an online loan approval program stored in the memory and executable on the processor, wherein the online loan approval program, when executed by the processor, implements the steps of the online loan approval method as described above.

[0033] In addition, to achieve the above objectives, the present invention also provides a computer storage medium storing an online loan approval program, wherein the online loan approval program, when executed by a processor, implements the steps of the online loan approval method described above.

[0034] In addition, to achieve the above objectives, the present invention also provides a computer program product comprising a computer program that, when executed by a processor, implements the steps of the online loan approval method as described above.

[0035] This invention provides an online loan approval method, system, terminal device, computer storage medium, and computer program product. The online loan approval method of this invention is used for approving vehicle-related loans. It receives vehicle-related loan applications transmitted through a preset loan application channel and collects the applicant's qualification information for qualification review. Based on the qualification review result, it outputs a preset loan guarantee link and collects the guarantor's qualification information based on the loan guarantee link for guarantee review. If the guarantee review result is approved, it outputs a loan signing prompt and executes the loan disbursement operation upon receiving a signing instruction triggered by the loan signing prompt.

[0036] This invention receives vehicle-related loan applications transmitted through a preset loan application channel, collects the applicant's qualification information for qualification review, then outputs a preset loan guarantee link to the applicant based on the qualification review result, further collects the guarantor's qualification information based on the loan guarantee link for guarantee review, and finally, if the guarantee review result based on the guarantor's qualification information is approved, outputs a loan signing prompt to the applicant, and receives the signing instruction triggered by the applicant based on the loan signing prompt to execute the corresponding loan disbursement operation.

[0037] Thus, compared to the traditional process of approving vehicle-related loan applications, this invention enables online approval of loan applications, eliminating the need for applicants to repeatedly visit specific offline processing points to submit and approve their information. This not only saves applicants and loan approval personnel a significant amount of human and time resources but also greatly accelerates the loan approval process, providing convenience for loan applications and approvals, thereby improving the overall efficiency of loan approval. Attached Figure Description

[0038] Figure 1 This is a schematic diagram of the device structure of the terminal device hardware operating environment involved in the embodiments of the present invention;

[0039] Figure 2 This is a flowchart illustrating the first embodiment of the online loan approval method of the present invention;

[0040] Figure 3 This is a schematic diagram of the functional modules of an embodiment of the online loan approval system of the present invention.

[0041] The realization of the objective, functional features and advantages of the present invention will be further explained in conjunction with the embodiments and with reference to the accompanying drawings. Detailed Implementation

[0042] It should be understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.

[0043] Reference Figure 1 , Figure 1 This is a schematic diagram of the hardware operating environment of the terminal device involved in the embodiments of the present invention.

[0044] The terminal device in this invention embodiment can be a smartphone, PC (Personal Computer), tablet computer, portable computer, etc.

[0045] like Figure 1 As shown, the terminal device may include: a processor 1001, such as a CPU; a communication bus 1002; a user interface 1003; a network interface 1004; and a memory 1005. The communication bus 1002 is used to enable communication between these components. The user interface 1003 may include a display screen and an input unit such as a keyboard; optionally, the user interface 1003 may also include a standard wired interface or a wireless interface. The network interface 1004 may optionally include a standard wired interface or a wireless interface (such as a Wi-Fi interface). The memory 1005 may be high-speed RAM or non-volatile memory, such as a disk drive. Optionally, the memory 1005 may also be a storage device independent of the aforementioned processor 1001.

[0046] Those skilled in the art will understand that Figure 1 The terminal device structure shown does not constitute a limitation on the terminal device and may include more or fewer components than shown, or combine certain components, or have different component arrangements.

[0047] like Figure 1 As shown, the memory 1005, which serves as a computer storage medium, may include an operating system, a network communication module, a user interface module, and an online loan approval process.

[0048] exist Figure 1 In the terminal shown, network interface 1004 is mainly used to connect to the backend server and communicate data with it; user interface 1003 is mainly used to connect to the client and communicate data with it; and processor 1001 can be used to call the online loan approval program stored in memory 1005 and execute it.

[0049] Receive vehicle-related loan applications transmitted through a preset loan application channel, and collect the applicant's qualification information for qualification review;

[0050] Based on the results of the qualification review, a preset loan guarantee link is output, and the qualification information of the guarantor of the loan application is collected based on the loan guarantee link for guarantee review;

[0051] If the guarantee review is successful, a loan signing prompt will be output, and the loan disbursement operation will be executed after receiving the signing instruction triggered by the loan signing prompt.

[0052] Furthermore, the iterative algorithm for deep learning is simulated annealing. The processor 1001 can call the online loan approval program stored in the memory 1005. After collecting the applicant's qualification information for the loan application and conducting a qualification review, it also executes:

[0053] Based on the results of the qualification review, output the loan signing prompt and receive the signing instruction to execute the loan disbursement operation.

[0054] Furthermore, the processor 1001 can be used to invoke the online loan approval program stored in the memory 1005, and after receiving the vehicle-related loan application transmitted through the preset loan application channel, it also executes:

[0055] Check whether the applicant for the loan application has completed the qualification review;

[0056] If so, then execute the output loan signing prompt, and after receiving the signing instruction triggered based on the loan signing prompt, execute the loan disbursement operation.

[0057] If not, then proceed with the steps of collecting the applicant's qualification information for the loan application, conducting qualification verification, and subsequent steps.

[0058] Furthermore, the processor 1001 can be used to call the online loan approval program stored in the memory 1005. After performing a guarantee review by collecting the guarantor's qualification information based on the loan guarantee link, it also performs the following:

[0059] The system tracks the status of guarantees undergoing review and checks whether the guarantee status meets the preset conditions for guarantee application failure.

[0060] If the guarantee status is detected to meet the conditions for guarantee application failure, an approval prompt indicating loan application failure will be output to end the loan application approval process.

[0061] Furthermore, the processor 1001 can be used to invoke the online loan approval process stored in the memory 1005, and also execute:

[0062] Obtain the applicant's application operation node, and manage customer leads according to the operation stage to which the application operation node belongs.

[0063] Furthermore, the processor 1001 can be used to invoke the online loan approval process stored in the memory 1005, and also execute:

[0064] The approval results of the qualification review will be output through a preset prompt output method, wherein the prompt output method includes: user graphical interface display and / or information prompt.

[0065] Furthermore, the processor 1001 can be used to invoke the online loan approval process stored in the memory 1005, and also execute:

[0066] A preset information entry interface is output based on the loan application;

[0067] The applicant's basic information and / or supplementary information are received based on the information input interface;

[0068] The basic information and / or the supplementary information will be used as qualification information for qualification review.

[0069] Based on the above hardware structure, various embodiments of the online loan approval method of the present invention are proposed.

[0070] It should be noted that currently, people typically use loans to purchase vehicles or use other vehicle-related supplementary loans to purchase corresponding vehicle services. However, although the use of existing loans is quite convenient for people, the entire process of applying for and approving a loan requires a significant amount of time and effort from both the applicant and the loan approval personnel. This complex workflow, involving the preparation, submission, approval, and even review of loan-related documents, is cumbersome and often leads people to abandon the use of loans.

[0071] In summary, the current loan application approval process consumes a significant amount of human and time resources, resulting in relatively low overall loan approval efficiency.

[0072] To address the above issues, this invention provides an online loan approval method. Please refer to... Figure 2 , Figure 2 This is a flowchart illustrating the first embodiment of the online loan approval method of the present invention. In this embodiment, the online loan approval method is applied to the aforementioned terminal device for vehicle-related loan approval. The online loan approval method of the present invention includes:

[0073] Step S10: Receive a vehicle-related loan application transmitted through a preset loan application channel, and collect the applicant's qualification information for qualification review;

[0074] When processing vehicle-related loan approvals, the terminal device first receives the vehicle-related loan application submitted by the applicant through a preset loan application channel. Then, the terminal device immediately collects various qualification information of the applicant and conducts an online qualification review of the applicant.

[0075] It should be noted that, in this embodiment, the preset loan application channels include, but are not limited to: the direct access mini-program obtained by the applicant through scanning the QR code shown to the applicant by the offline vehicle sales consultant, and the direct access mini-program that the applicant directly enters by accessing the pushed car purchase link.

[0076] Furthermore, in a feasible embodiment, step S10 above may include:

[0077] Step S101: Output a preset information input interface according to the loan application;

[0078] After receiving a loan application transmitted through a preset loan application channel, the terminal device immediately outputs a preset information input interface to the applicant of the loan application based on the preset loan application.

[0079] It should be noted that in this embodiment, the information entry interface is a user graphical interface output by the terminal device to the applicant for the loan application, allowing the applicant to enter personal information. It should be understood that, based on different design needs of actual applications, the information entry interface can of course be designed to contain different specific content in different feasible embodiments. The online loan approval method of the present invention does not limit the specific content of the information entry interface.

[0080] Step S102: Receive the applicant's basic information and / or supplementary information based on the information input interface;

[0081] Step S103: Use the basic information and / or the supplementary information as qualification information for qualification review.

[0082] After the terminal device outputs the preset information input interface to the loan applicant, the applicant can start to enter their basic information and / or supplementary information based on the information input interface. The terminal device then obtains the basic information and / or supplementary information and uses it together as the applicant's qualification information to conduct a qualification review of the applicant for the current loan application.

[0083] Specifically, for example, after a loan applicant obtains access to the direct-access mini-program by scanning a QR code displayed by a vehicle sales consultant, the terminal device first displays an authorization interface to the applicant. If the applicant clicks the authorization command control through the authorization interface, the terminal device obtains the applicant's contact information (such as a mobile phone number) and sends the contact information to the dealer. Afterward, the terminal device further displays a vehicle selection interface for the applicant to choose a vehicle.

[0084] Then, after the applicant has selected the vehicle they wish to purchase, the terminal device obtains the user's basic information (such as nickname, profile picture, region, and gender), and displays an information input interface for the applicant to enter basic information such as name, ID card information, and bank card information, and / or supplementary information such as marital status, whether they have a driver's license, and monthly income. After the applicant verifies their identity based on the entered basic information and / or supplementary information (specifically, verification can be completed by facial recognition or by linking a bank card, and the verification result will be displayed on the corresponding display interface in a timely manner), the terminal device uses the basic information and / or supplementary information together as the applicant's qualification information to conduct a qualification review of the loan application submitted by the applicant, thereby obtaining a review result of approval or disapproval.

[0085] It should be noted that, in this embodiment, if the applicant does not obtain the pre-set loan application channel through scanning the QR code shown by the vehicle sales consultant, but instead initiates a loan application by clicking on a promoted car purchase link to enter the pre-set loan application channel through the direct access mini-program, the terminal device also needs to obtain the applicant's geographical location and allocate a dealer offline store based on that geographical location. Specifically, the terminal device selects the store closest to the applicant's current geographical location as the dealer store. Alternatively, the terminal device can also use other allocation logic to determine the dealer store, such as directly displaying multiple stores to the applicant for the user to choose from.

[0086] Step S20: Output a preset loan guarantee link based on the qualification review results, and collect the qualification information of the guarantor of the loan application based on the loan guarantee link to conduct a guarantee review.

[0087] After the terminal device collects and reviews the applicant's qualification information and obtains the review result, if the review result is unsuccessful, the terminal device will further output a preset loan guarantee link to the applicant. In this way, the applicant can select a guarantor and send the loan guarantee link to the guarantor. After receiving the loan guarantee link, the guarantor clicks to enter his qualification information. Thus, after the terminal device collects the guarantor's qualification information based on the guarantee link, it immediately conducts a guarantee review for the guarantor.

[0088] It should be noted that, in this embodiment, the preset guarantee link is a data channel output to the applicant who submits a loan application related to the vehicle, so that the applicant can independently choose a guarantor to submit information for review if a guarantee is required.

[0089] Specifically, for example, after reviewing the qualification information submitted by the applicant, if the review result indicates that the applicant's qualifications are insufficient or that they do not have a valid driver's license (e.g., no driver's license, a driver's license that cannot be found, or an expired driver's license), the review result is determined to be a failure of the applicant's qualification review. In this case, the terminal device determines that the applicant currently needs a guarantee, generates a corresponding guarantee link for output, and simultaneously displays a guarantee sending list to the applicant for selecting a guarantor. After the applicant selects a corresponding guarantor from the list, the terminal device immediately sends the guarantee link to the guarantor's terminal device.

[0090] After receiving the guarantee link, the terminal device requests the guarantor's authorized contact information and uploads their ID card information to output a guarantee verification interface. Then, it collects various information of the guarantor through facial recognition or bank card verification as qualification information for guarantee review, thereby obtaining the review result of whether the guarantee verification is passed.

[0091] It should be noted that in this embodiment, when the terminal device verifies the guarantor, the relationship between the guarantor and the applicant must meet a preset requirement, such as parents, children, spouse, siblings, etc. Furthermore, if the current guarantee is completed, others cannot perform guarantee verification or validation based on the same guarantee link. For example, the guarantee link can be prevented from being opened again after the current guarantee is completed. Thus, the terminal device can send guarantee links to multiple relatives selected by the applicant in the guarantee sending list, but only one person can complete the guarantee verification at a time; other guarantee links become invalid after one person's guarantee verification is completed. Alternatively, the guarantee link will automatically become invalid after the entire validity period of the loan application submitted by the applicant expires.

[0092] Furthermore, in a feasible embodiment, after step S20 "collecting the guarantor's qualification information for the loan application based on the loan guarantee link and conducting guarantee verification", the online loan approval method of the present invention may further include:

[0093] Step A: Statistically analyze the guarantee status of those undergoing guarantee review and check whether the guarantee status meets the preset guarantee application failure conditions;

[0094] Step B: If the guarantee status is detected to meet the conditions for guarantee application failure, an approval prompt indicating loan application failure is output to end the loan application approval process.

[0095] During the process of collecting the guarantor's qualification information for guarantee review, the terminal device also collects statistics on the guarantee status. Then, the terminal device checks whether the guarantee status meets the preset guarantee application failure conditions. If the terminal device detects that the guarantee status meets the guarantee application failure conditions, it directly outputs an approval prompt that the entire loan application has failed to the applicant and / or guarantor, so as to directly end the approval of the loan application.

[0096] It should be noted that, in this embodiment, the condition for a guarantee application to fail is that, after the guarantee review of the guarantor based on the collected qualification information of the guarantor is deemed unsuccessful, the number of times the applicant reselects a guarantor for guarantee review is greater than or equal to a preset number (e.g., 5 times).

[0097] Specifically, for example, during the entire process of the applicant selecting a guarantor and sending a guarantee link for information collection and guarantee review, the terminal device continuously tracks and records the guarantee status of each guarantor. Each time the guarantee status after selecting a guarantor for review is "guarantor verification failed" (the review result is "not approved"), the terminal device prompts the applicant to re-invite a guarantor and continues to record and statistically analyze the guarantee status of new guarantors. Therefore, to avoid multiple guarantees extending the process and causing the qualification validity period to exceed (the qualification validity period can be 30 days), when the number of times the guarantee status shows "guarantor verification failed" exceeds 5, the terminal device determines that the guarantee status meets the conditions for guarantee application failure. Consequently, it will no longer provide a guarantee for the loan application submitted by the applicant and directly outputs an approval prompt indicating that the loan application has failed to the applicant, thus ending the loan application approval process.

[0098] Furthermore, in one feasible embodiment, the online approval method of the present invention may further include:

[0099] Step C involves outputting the approval result of the qualification review through a preset prompt output method, wherein the prompt output method includes: user graphical interface display and / or information prompt.

[0100] During the online approval process for vehicle-related loan applications submitted by applicants, the terminal device outputs the approval result directly to the applicant and / or guarantor through a graphical user interface on the front-end screen after each qualification review of the applicant and / or guarantee review of the guarantor, and / or outputs the approval result to the applicant and / or guarantor through email, SMS or other message notifications.

[0101] Step S30: If the guarantee review result is approved, a loan signing prompt is output, and the loan disbursement operation is executed after receiving the signing instruction triggered by the loan signing prompt.

[0102] After the terminal device reviews the guarantor's guarantee and obtains the review result, if the review result is approved, the terminal device will further output a loan signing prompt for the current vehicle-related loan application to the applicant, so that the applicant can trigger the signing instruction based on the prompt. After receiving the signing instruction, the terminal device will immediately perform the loan disbursement operation for the applicant.

[0103] It should be noted that, in this embodiment, the loan disbursement operation involves the terminal device outputting loan information to the applicant for review, and the loan being disbursed after the applicant's review and confirmation.

[0104] Specifically, for example, after the terminal device receives a positive review result for the guarantor's guarantee, it displays a "Waiting for Signing" loan signing prompt via the direct access mini-program. The applicant can then trigger a signing instruction based on this prompt. If the terminal device detects this instruction, it displays a signing interface for the applicant to enter basic information such as their repayment card number and ID photo. After completing facial recognition authentication, the terminal device outputs loan information to the applicant for review. Once the applicant confirms the review, the signing is complete and the loan is disbursed. At this point, the terminal device's approval process for the applicant's loan application is complete.

[0105] In addition, applicants can check their loan information and change their repayment card at any time when making repayments. The repayment card can be a WeBank card; if so, the applicant must transfer funds from the linked card to the WeBank card for each repayment period.

[0106] Furthermore, in a feasible embodiment, after step S10 "collecting the applicant's qualification information for the loan application and conducting qualification verification", the online loan approval method of the present invention may further include:

[0107] Step S40: Based on the results of the qualification review, output the loan signing prompt and receive the signing instruction to execute the loan disbursement operation.

[0108] After the terminal device collects and reviews the applicant's qualification information and obtains the review result, if the review result is approved, the terminal device will directly output a loan signing prompt for the current vehicle-related loan application to the applicant, so that the applicant can trigger the signing instruction based on the prompt. After receiving the signing instruction, the terminal device will immediately perform the loan disbursement operation for the applicant.

[0109] Furthermore, in another feasible embodiment, after step S10 "receiving vehicle-related loan applications transmitted through a preset loan application channel", the online loan approval method of the present invention may further include:

[0110] Step S50: Check whether the applicant of the loan application has completed the qualification review;

[0111] In this embodiment, if the applicant has already undergone qualification verification in the same or different ways before submitting the current vehicle-related loan application through the preset loan application channel, the terminal device does not need to perform qualification verification again for the current loan application. Instead, it directly checks whether the qualification verification previously performed by the applicant has been completed.

[0112] It should be noted that in this embodiment, if the applicant's qualification review before submitting the current loan application has passed, the terminal device determines that the applicant has completed the qualification review; otherwise, the terminal device determines that the applicant has not completed the qualification review.

[0113] Step S60: If yes, then execute the output loan signing prompt, and execute the loan disbursement operation after receiving the signing instruction triggered based on the loan signing prompt;

[0114] Once the terminal device determines that the applicant has completed the qualification review, it immediately executes the process corresponding to the step S30 above, which is "outputting a loan signing prompt and executing a loan disbursement operation after receiving a signing instruction triggered by the loan signing prompt". This process will not be described in detail here.

[0115] Step S70: If not, proceed with the steps of collecting the applicant's qualification information for the loan application for qualification review and subsequent steps.

[0116] If the terminal device determines that the applicant has not completed the qualification review, the terminal device will immediately execute the step of "collecting the qualification information of the applicant of the loan application for qualification review" in step S10 above, as well as the processes corresponding to the subsequent steps S20 and S30.

[0117] Furthermore, in one feasible embodiment, the online loan approval method of the present invention may further include:

[0118] Step D: Obtain the applicant's application operation node and manage customer leads according to the operation stage to which the application operation node belongs.

[0119] During the process of collecting the guarantor's qualification information for guarantee review, the terminal device also continuously obtains the applicant's application operation nodes, and then manages customer leads based on the operation stage to which the application operation node belongs.

[0120] It should be noted that, in this embodiment, the applicant's application operation node refers to the specific operation performed by the applicant based on the user graphical interface output by the terminal device during the entire process of submitting a vehicle-related loan application and having it approved online by the terminal device. Examples of such operations include: authorizing the provision of contact information, selecting the vehicle to be purchased, confirming the contract, etc. The operation stage to which this application operation node belongs includes, but is not limited to: 1. Leaving only a phone number; 2. Selecting a vehicle model; 3. Filling in identity information; 4. Approval completed.

[0121] Specifically, for example, after an applicant submits an online application for a vehicle-related loan, the various information of the applicant collected by the terminal device (such as contact information) will be transmitted to the dealership as a customer lead. The financial personnel at the dealership (such as a financial manager or financial specialist) can then follow up on the received customer lead.

[0122] That is, by tracking the different stages of the applicant's application process through the dealer, the degree of intent of the leads can be distinguished. In practice, the degree of intent of the leads will increase as the applicant's intention to purchase the vehicle increases with the progress of different stages, such as leaving only a phone number, selecting a car model, filling in identity information, and completing the approval process.

[0123] In addition, financial personnel can also manage customer leads through the dealer platform, including allocation and other operations. Specifically:

[0124] Offline customer acquisition model: By default, leads generated by applicants scanning the QR code provided by the sales consultant will be placed under the corresponding sales consultant's authority;

[0125] Online customer acquisition model: Customer leads obtained from external online channels are allocated to sales consultants by financial specialists and sales managers based on actual sales performance.

[0126] It should be noted that, in this embodiment, during the follow-up process of received customer leads on the dealer's end, financial personnel can also perform management operations such as viewing and modifying customer leads through the dealer's end. For example, after an applicant completes the online approval of the current loan application through the Express Mini Program, the financial specialist can find the customer lead on the order management page through the dealer's end, confirm the financial plan, complete the detailed information, and then convert it into an order for review.

[0127] In addition, customers can change dealers during the lead generation stage, but once a customer lead is converted into an order, the applicant cannot change dealers unless the corresponding dealer cancels the order through the dealer's terminal in-store or the applicant directly contacts WeBank customer service to apply for cancellation.

[0128] It should be noted that in this embodiment, customer leads after the applicant completes the qualification review will be displayed in the "Pending Entry" stage on the dealer's end. Financial specialists can find these leads on the order management page and view the applicant's minimum down payment and maximum loan term information. This allows them to confirm the financial plan with the applicant, refine the details, and then convert it into an order for review. Furthermore, if the customer lead requires telephone verification, it will be approved directly after submission without manual review.

[0129] If the review is successful, the applicant will be required to complete the electronic signing via WeChat mini-program. Once the signing is successful, the loan can be disbursed. During the disbursement process, the applicant must upload images of the vehicle purchase invoice and insurance policy, and submit the disbursement application only after confirming that everything is correct.

[0130] After the loan is successfully disbursed, the dealership needs to cooperate in completing the mortgage procedures within a preset time (e.g., 60 days) and uploading the relevant documents. Specifically:

[0131] After the loan is successfully disbursed, the financial specialist uploads the vehicle registration certificate registration page and mortgage page online through the dealer's platform for review by banks and other financial institutions.

[0132] It should be noted that, in this embodiment, the loan disbursement result is the same as the approval result of the qualification review and guarantee review mentioned above, and corresponding email, SMS or message notifications are sent to the corresponding applicant, guarantor and / or financial personnel.

[0133] In this embodiment, when the terminal device processes a vehicle-related loan application, it first receives the application from the applicant via a preset loan application channel. Then, the terminal device immediately collects the applicant's various qualification information and conducts an online qualification review. After reviewing the applicant's qualification information and obtaining the review result, if the review result is unsuccessful, the terminal device further outputs a preset loan guarantee link to the applicant. The applicant can then select a guarantor and send the loan guarantee link to that guarantor. Upon receiving the loan guarantee link, the guarantor clicks to enter their qualification information. Thus, after collecting the guarantor's qualification information based on the guarantee link, the terminal device immediately conducts a guarantee review for that guarantor. After reviewing the guarantor's guarantee and obtaining the review result, if the review result is successful, the terminal device further outputs a loan signing prompt for the current vehicle-related loan application to the applicant, allowing the applicant to trigger a signing instruction based on the prompt. Upon receiving the signing instruction, the terminal device immediately executes the loan disbursement operation for the applicant's loan application.

[0134] Thus, compared to the traditional process of approving vehicle-related loan applications, this invention enables online approval of loan applications, eliminating the need for applicants to repeatedly visit specific offline processing points to submit and approve their information. This not only saves applicants and loan approval personnel a significant amount of human and time resources but also greatly accelerates the loan approval process, providing convenience for loan applications and approvals, thereby improving the overall efficiency of loan approval.

[0135] Furthermore, in this embodiment, vehicle-related loans may include not only car purchase loans for the applicant's vehicle purchase, but also vehicle-related loan applications such as "enhancing loans." These enhancing loans include, but are not limited to: car purchase supplementary loans (applicants who did not use WeBank's car loan service when purchasing a new car but wish to use WeBank's pure supplementary loan product) and vehicle usage supplementary loans (applicants who need to perform maintenance, repairs, and accessory installations at dealerships during vehicle use and wish to use WeBank's pure supplementary loan product).

[0136] In this embodiment, the above-mentioned Zengxiang Loan is divided into online approval processes for the client (i.e., the aforementioned terminal device) and the distributor, which are roughly the same as the processes corresponding to steps S10 to S60 and steps A to D, as detailed below:

[0137] Client:

[0138] Additional car purchase loan:

[0139] Applicants can apply for a car purchase supplementary loan by scanning the sales consultant's dynamic QR code offline, or they can apply by clicking on an online advertisement or scanning the QR code on the advertisement.

[0140] Applicants can directly access the Express Mini Program through the two methods mentioned above, authorize it by obtaining their mobile phone number, and if the authorization is successful, the applicant's contact information will be directly entered into the dealer's lead system as a lead; the applicant fills in their name and ID number as prompted, reads the relevant authorization letter and fills in the intended loan amount, the amount of which is not specifically limited.

[0141] After filling in the intended loan amount, complete the applicant's basic information, such as marital status, monthly income, employer name, purchase method, and purchase price. Purchase methods include 1. full payment, 2. auto finance company loan, and 3. bank loan. If the applicant chooses a bank loan, the name of the lending institution and the loan amount must be completed. After completing the above information, proceed to facial recognition verification.

[0142] After successful facial recognition verification, relevant electronic contracts and authorization letters are generated, and mandatory reading is set, such as reading for 10 seconds; after reading, click "Approve" to generate car purchase additional loan application information.

[0143] Additional loan for car use:

[0144] Similarly, applicants can apply for a car loan by scanning the sales consultant's dynamic QR code offline, or by clicking on an online advertisement or scanning the QR code on the advertisement. Applicants can directly access the direct-access mini-program through these methods, authorize the loan by obtaining their mobile phone number, and if authorization is successful, their contact information will be directly entered into the dealer's lead system as a lead. Applicants will then fill in their name and ID number, read the relevant authorization letter, and indicate their desired loan amount, without any specific limit on the amount.

[0145] After filling in the intended loan amount, complete the applicant's basic information, such as marital status, monthly income, company name, and the purchase price of the vehicle (it should be noted that for car loan supplementary loans, there is no need to select the purchase method or complete the purchase method information); after completing the above information, proceed to facial recognition verification.

[0146] After successful facial recognition verification, relevant electronic contracts and authorization letters are generated, and mandatory reading is set, such as reading for 10 seconds; after reading, click "Approve" to generate car loan application information.

[0147] In addition, after obtaining car purchase loan application information or car use loan application information through the Express Train mini-program, the program will then compile statistics on the applicant's loan status on Express Train. If a loan already exists, the loan eligibility review will be rejected (only one loan can be applied for on Express Train. This increases the security of financial loans).

[0148] Check the approval status in the express system; the first-stage loan qualification review process is approved in seconds. During the second review, if the applicant chooses to provide more detailed personal information, the approval speed will be accelerated. The Zengxiang Loan system will approve the corresponding loan amount according to the applicant's qualifications; if the applicant's qualifications are insufficient, the loan application will be displayed as failed.

[0149] In addition, after the first review of the car purchase loan application or the car use loan application is approved, or after the second review is submitted, a guarantor invitation process is added. If the applicant's qualifications are insufficient or there is no valid driver's license (no driver's license; has a driver's license but cannot be found, or the driver's license has expired), the user needs to provide a guarantee; (this process is similar to the car loan guarantee process).

[0150] Distributor side:

[0151] Once an applicant completes their car purchase supplementary loan application or the first review of their vehicle use supplementary loan application, the customer's information will be displayed in the "Pending Entry" stage. The financial specialist will then complete the customer information. Specifically, if the car purchase supplementary loan application indicates a full payment, only the supplementary loan application parameters need to be entered, such as the financial project details, loan term, and supplementary loan financing fees. If the car purchase supplementary loan application indicates a bank loan, then peer loan parameters need to be entered, such as the peer lending institution, the peer loan down payment method, and loan information. Additionally, for vehicle use supplementary loans, the customer's vehicle identification number (VIN) needs to be entered.

[0152] After the customer information is complete, submit it for review. If electronic verification is required, the review submission does not require manual review and can be approved directly. If a guarantor is required in the first review, the applicant, i.e., the primary borrower, needs to provide a guarantor.

[0153] If the review is successful, the customer will be required to complete the electronic signing on the WeChat mini-program. If the signing is successful, the loan can be disbursed. During the loan disbursement process, if it is a car purchase supplementary loan and the car purchase method is full payment, the car purchase certificate must be uploaded; if the car purchase method is bank loan, the interbank loan approval notice must be uploaded; if it is a vehicle use supplementary loan, the customer's license plate number, green book or vehicle registration certificate (choose one) must be entered. After confirming that everything is correct, the loan disbursement application will be submitted.

[0154] After the loan is successfully disbursed, the store must cooperate to complete the mortgage procedures within a preset timeframe, such as 60 days, and simultaneously upload the information to the system. Specifically:

[0155] After the loan is successfully disbursed, the financial specialist uploads the vehicle registration certificate and mortgage page online for review by banks and other financial institutions. For supplementary car purchase loans, post-loan information updates are required after disbursement, with the financial specialist uploading the vehicle registration certificate or driver's license online.

[0156] Furthermore, the present invention also provides an online loan approval system, which is applied to a messaging client device. Please refer to... Figure 2 , Figure 2 This is a schematic diagram of the functional modules of an embodiment of the online loan approval system of the present invention. Figure 2 As shown, the online loan approval system of this invention includes:

[0157] The first review module 10 is used to receive vehicle-related loan applications transmitted through a preset loan application channel and to collect the applicant's qualification information for qualification review.

[0158] The second review module 20 is used to output a preset loan guarantee link based on the review results of the qualification review, and to collect the qualification information of the guarantor of the loan application for guarantee review based on the loan guarantee link;

[0159] The loan signing and disbursement module 30 is used to output a loan signing prompt if the guarantee review result is approved, and to execute the loan disbursement operation after receiving the signing instruction triggered based on the loan signing prompt.

[0160] Furthermore, the loan signing and disbursement module 30 of the online loan approval system of the present invention is also used to output the loan signing prompt based on the review results of the qualification review and to receive the signing instruction to execute the loan disbursement operation.

[0161] Furthermore, the online loan approval system of the present invention also includes:

[0162] The detection module is used to detect whether the applicant of the loan application has completed the qualification review;

[0163] The first execution module is used to execute the output loan signing prompt and, upon receiving a signing instruction triggered based on the loan signing prompt, to execute the loan disbursement operation.

[0164] The second execution module is used to perform the qualification review and subsequent steps of collecting the applicant's qualification information for the loan application.

[0165] Furthermore, the online loan approval system of the present invention also includes:

[0166] The statistics module is used to count the status of guarantees under review and to detect whether the guarantee status meets the preset conditions for guarantee application failure.

[0167] The approval termination module is used to output an approval prompt indicating loan application failure if the guarantee status is detected to meet the conditions for guarantee application failure, thereby ending the approval of the loan application.

[0168] Furthermore, the online loan approval system of the present invention also includes:

[0169] The customer lead management module is used to obtain the applicant's application operation node and manage customer leads according to the operation stage to which the application operation node belongs.

[0170] Furthermore, the online loan approval system of the present invention also includes:

[0171] The output module is used to output the approval results of the qualification review through a preset prompt output method, wherein the prompt output method includes: user graphical interface display and / or information prompt.

[0172] Furthermore, the first review module 10 includes:

[0173] The interface output unit is used to output a preset information input interface according to the loan application.

[0174] The information receiving unit is used to receive the applicant's basic information and / or supplementary information based on the information input interface;

[0175] The qualification review unit is used to review the basic information and / or the supplementary information as qualification information.

[0176] The functions of each module in the online loan approval system correspond to the steps in the online loan approval method embodiment, and their functions and implementation processes will not be described in detail here.

[0177] The present invention also provides a computer storage medium storing an online loan approval program, which, when executed by a processor, implements the steps of the online loan approval method as described in any of the above embodiments.

[0178] The specific embodiments of the computer storage medium of the present invention are basically the same as the embodiments of the online loan approval method described above, and will not be repeated here.

[0179] The present invention also provides a computer program product, the computer program product comprising a computer program, which, when executed by a processor, implements the steps of the online loan approval method as described in any of the above embodiments.

[0180] The specific embodiments of the computer storage medium of the present invention are basically the same as the embodiments of the online loan approval method described above, and will not be repeated here.

[0181] It should be noted that, in this document, the terms "comprising," "including," or any other variations thereof are intended to cover non-exclusive inclusion, such that a process, method, article, or system that comprises a list of elements includes not only those elements but also other elements not expressly listed, or elements inherent to such a process, method, article, or system. Unless otherwise specified, an element defined by the phrase "comprising one..." does not exclude the presence of other identical elements in the process, method, article, or system that includes that element.

[0182] The sequence numbers of the above embodiments of the present invention are for descriptive purposes only and do not represent the superiority or inferiority of the embodiments.

[0183] Through the above description of the embodiments, those skilled in the art can clearly understand that the methods of the above embodiments can be implemented by means of software plus necessary general-purpose hardware platforms. Of course, they can also be implemented by hardware, but in many cases the former is a better implementation method. Based on this understanding, the technical solution of the present invention, or the part that contributes to the prior art, can be embodied in the form of a software product. This computer software product is stored in a storage medium (such as ROM / RAM, magnetic disk, optical disk) as described above, and includes several instructions to cause a terminal device (which may be a mobile phone, computer, server, or network device, etc.) to execute the methods described in the various embodiments of the present invention.

[0184] The above are merely preferred embodiments of the present invention and do not limit the scope of the patent. Any equivalent structural or procedural transformations made based on the description and drawings of the present invention, or direct or indirect applications in other related technical fields, are similarly included within the scope of patent protection of the present invention.

Claims

1. An online loan approval method, characterized by, The online loan approval method is used for vehicle-related loan approval, and the online loan approval method comprises the following steps: Receiving a vehicle-related loan application transmitted by a preset loan application channel, and collecting the qualification information of the applicant of the loan application for qualification review; If the review result of the qualification review is not passed, a plurality of relationship persons selected by the applicant in a guarantee sending list are simultaneously sent a preset loan guarantee link, and the qualification information of each of the relationship persons is collected based on the loan guarantee link for guarantee review; If the review result of the guarantee review is passed, a loan signing prompt is output, and a loan operation is performed after receiving a signing instruction triggered based on the loan signing prompt; If the review result of the guarantee review is not passed, the number of times the applicant reselects a guarantor is greater than or equal to a preset number, and a loan application failure approval prompt is output to end the loan application approval; If the review result of the qualification review is passed, the loan signing prompt is output, and the loan operation is performed after receiving the signing instruction; After the step of simultaneously sending the plurality of relationship persons selected by the applicant in the guarantee sending list the preset loan guarantee link, the following steps are further included: After detecting that the guarantee review of any of the guarantee links is completed, it is determined that the guarantee link whose guarantee review is completed is invalid; or After the validity period of the qualification of the loan application expires, it is determined that each of the guarantee links is invalid.

2. The method for online approval of a loan as claimed in claim 1, wherein, After the step of collecting the qualification information of the guarantor of the loan application based on the loan guarantee link for guarantee review, the following steps are further included: The guarantee state of the guarantee review is counted, and it is detected whether the guarantee state meets a preset guarantee application failure condition; If it is detected that the guarantee state meets the guarantee application failure condition, a loan application failure approval prompt is output to end the loan application approval.

3. The method for online approval of a loan as claimed in claim 1, wherein, The method further comprises the following steps: An application operation node of the applicant is obtained, and customer lead management is performed according to an operation phase to which the application operation node belongs.

4. The method for online approval of a loan as claimed in claim 1, wherein, The method further comprises the following steps: The approval result of the qualification review is output by a preset prompt output method, wherein the prompt output method comprises user graphical interface display and / or information prompt.

5. The method for online approval of a loan according to any one of claims 1 to 4, wherein, The step of collecting the qualification information of the applicant of the loan application for qualification review comprises the following steps: A preset information input interface is output according to the loan application; The basic information and / or supplementary information of the applicant are received based on the information input interface; The basic information and / or the supplementary information are taken as the qualification information for qualification review.

6. An online loan approval system characterized by, The online loan approval system is used for vehicle-related loan approval, and the online loan approval system comprises the following steps: A first review module is used for receiving a vehicle-related loan application transmitted by a preset loan application channel, and collecting the qualification information of the applicant of the loan application for qualification review; The second auditing module is configured to, if the result of the qualification auditing is not passed, send a preset loan guarantee link to the plurality of relationship persons selected by the applicant in the guarantee sending list, collect qualification information of each of the relationship persons based on the loan guarantee link, and perform guarantee auditing; The signing and loaning module is configured to, if the result of the guarantee auditing is passed, output a loan signing prompt, and perform a loaning operation after receiving a signing instruction triggered based on the loan signing prompt; The approval ending module is configured to, if the result of the guarantee auditing is not passed and the number of times of reselecting a guarantor by the applicant is greater than or equal to a preset number of times, output an approval prompt of a loan application failure to end the approval of the loan application; The first executing module is configured to, if the result of the qualification auditing is passed, output the loan signing prompt, and perform the loaning operation after receiving the signing instruction. The second auditing module is further configured to, after detecting that the guarantee auditing of any one of the guarantee links is completed, determine that the guarantee link of which the guarantee auditing is completed is invalid; or, after the validity period of the qualification of the loan application expires, determine that all the guarantee links are invalid.

7. A terminal device, characterized by comprising: The terminal device comprises a memory, a processor, and an online loan approval program stored in the memory and executable on the processor, and the online loan approval program, when executed by the processor, implements the steps of the online loan approval method according to any one of claims 1 to 5.

8. A computer storage medium, characterized in that The computer storage medium stores an online loan approval program, and the online loan approval program, when executed by the processor, implements the steps of the online loan approval method according to any one of claims 1 to 5.

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