Method, device, equipment and medium for quickly accessing channel loan business system

Abstract

This application discloses a method, apparatus, device, and medium for rapid channel access to a loan business system. The method includes: obtaining access configuration parameters of the channel to be accessed and generating a channel strategy based on the access configuration parameters; providing a standard interface and receiving application data returned by the channel to be accessed through calling the standard interface and based on the channel number, the application data including a first private key corresponding to a first public key; decrypting the application data based on the first public key and processing the decrypted application data according to the channel strategy to achieve access to the channel to be accessed. This application enables external channels to quickly access the loan business system through a configurable access method, supports the access of multiple channels simultaneously, and achieves channel launch without version release, greatly reducing the external channel access cycle and reducing R&D manpower and time costs; moreover, the access of new channels will not affect the operation of existing channels, reducing the manpower investment in testing and regression.

Description

Technical Field

[0001] This application relates to the field of data processing technology, specifically to a method, apparatus, equipment, and medium for rapid access to a loan business system via a channel. Background Technology

[0002] Currently, in large-scale lending transactions, there are frequent scenarios where new channels need to be integrated into the loan business system, and as the business develops, even more external channels need to be continuously integrated.

[0003] In existing technologies, when each external channel integrates into the loan business system, a significant amount of time is required for interface development, channel integration, and joint testing. This involves a large amount of repetitive work, generates a lot of redundant code, and may lead to inconsistencies between interface specifications and actual field specifications, requiring interface fixing. Each interface modification also requires development, resulting in unnecessary waste of R&D resources. Furthermore, each new channel integration requires scheduling, iteration, and release, lengthening the development cycle and causing related functions to be delayed. Moreover, the integration of new channels may also affect existing channels, requiring regression testing of existing channel processes. Summary of the Invention

[0004] To address the aforementioned issues, this application provides a method, apparatus, equipment, and medium for rapid channel access to a loan business system. By providing a unified standard interface, channels can quickly access the loan business system without requiring version releases, significantly reducing the access cycle and R&D manpower costs. The access of new channels will not affect the operation of existing channels, reducing the manpower required for testing and regression analysis.

[0005] In a first aspect, embodiments of this application provide a method for quickly accessing a loan business system via a channel, the method being used in the loan business system, the method comprising:

[0006] Obtain the access configuration parameters of the channel to be accessed, and generate a channel strategy based on the access configuration parameters;

[0007] Provide a standard interface and receive incoming data from the channel to be accessed by calling the standard interface and returning data based on the channel number. The incoming data includes a first private key corresponding to a first public key. The channel number is sent to the channel to be accessed via a first specified communication method.

[0008] The incoming data is decrypted based on the first public key, and processed according to the channel policy to enable access to the channel to be accessed; wherein the first public key is received from the channel to be accessed through a second specified communication method.

[0009] Secondly, embodiments of this application also provide a method for quickly accessing a loan business system through a channel, the method being used for the channel to be accessed, the method comprising:

[0010] The standard interface provided by the loan business system is invoked, and the standard interface is parsed based on the second public key to obtain the interface configuration file. The standard interface contains a second private key corresponding to the second public key. The second public key is received from the loan business system through a second specified communication method.

[0011] Develop accordingly based on the aforementioned channel configuration file;

[0012] According to the channel code, application data is sent to the loan business system through the standard interface, wherein the application data includes a first private key corresponding to the first public key; wherein the channel number is received from the loan business system through a first designated communication method.

[0013] Thirdly, embodiments of this application also provide an apparatus for rapid access to a loan business system via a channel, the apparatus being capable of implementing any of the methods described above.

[0014] Fourthly, embodiments of this application also provide an electronic device, including: a processor; and a memory arranged to store computer-executable instructions, which, when executed, cause the processor to perform any of the methods described above.

[0015] Fifthly, embodiments of this application also provide a computer-readable storage medium that stores one or more programs, which, when executed by an electronic device including multiple applications, cause the electronic device to perform any of the methods described above.

[0016] The above-mentioned technical solutions adopted in the embodiments of this application can achieve the following beneficial effects: This application provides a unified standard interface, assigns a channel number and a first public key to the channel to be accessed, and configures corresponding access configuration parameters for the channel to be accessed, forming a channel strategy for the channel to be accessed. The channel to be accessed calls the standard interface and sends application data to the loan business system through the standard interface to achieve rapid access to external channels. This application, through a configurable access method, enables external channels to quickly access the loan business system, and can also support the access of multiple channels simultaneously. It achieves channel launch without version release, greatly reducing the external channel access cycle and reducing R&D manpower and time costs; moreover, the access of new channels will not affect the operation of existing channels, which can reduce the manpower investment in testing and regression; and significantly improves the operational efficiency of the loan business. Attached Figure Description

[0017] The accompanying drawings, which are included to provide a further understanding of this application and form part of this application, illustrate exemplary embodiments and are used to explain this application, but do not constitute an undue limitation of this application. In the drawings:

[0018] Figure 1 A schematic diagram of the structure of a loan processing platform according to an embodiment of this application is shown;

[0019] Figure 2 A flowchart illustrating a method for rapid channel access to a loan business system according to an embodiment of this application is shown;

[0020] Figure 3 A flowchart illustrating a method for rapid channel access to a loan business system according to another embodiment of this application is shown;

[0021] Figure 4 A flowchart illustrating a method for rapid access to a loan business system via a channel according to another embodiment of this application is shown.

[0022] Figure 5 A schematic diagram of the structure of an apparatus for rapid access to a loan business system via a first channel according to an embodiment of this application is shown;

[0023] Figure 6 A schematic diagram of a device for rapid access to a loan business system via a second channel according to an embodiment of this application is shown.

[0024] Figure 7 This is a schematic diagram of the structure of an electronic device according to an embodiment of this application. Detailed Implementation

[0025] To make the objectives, technical solutions, and advantages of this application clearer, the technical solutions of this application will be clearly and completely described below in conjunction with specific embodiments and corresponding drawings. Obviously, the described embodiments are only a part of the embodiments of this application, and not all of them. Based on the embodiments in this application, all other embodiments obtained by those skilled in the art without creative effort are within the scope of protection of this application.

[0026] The technical solutions provided by the various embodiments of this application are described in detail below with reference to the accompanying drawings.

[0027] The loan business system is responsible for recommending loan applicants to funding providers (such as banks or financial institutions) based on application data from external channels.

[0028] Figure 1 A schematic diagram of the structure of a loan processing platform according to an embodiment of this application is shown. Figure 1As can be seen, the loan business processing platform 100 includes a loan business system 110, multiple existing external channels 120, and multiple funding providers 130. The loan business system 110 is connected to each external channel and each funding provider.

[0029] In some situations, new channels frequently need to be integrated into the loan business system, such as... Figure 1 The channel to be connected is shown as 140. In the existing technology, a lot of time is spent on interface development, channel integration, and joint testing for each new channel. Moreover, each new channel connection requires scheduling, iteration, and release, which lengthens the development cycle and causes related functions to be unable to go online in a timely manner. Furthermore, the subsequent connection of new channels may also affect existing channels, causing some functions to malfunction.

[0030] The idea behind this application is to provide a unified standard interface so that different external channels can quickly access the loan business system by calling the standard interface.

[0031] Figure 2 This illustration shows a flowchart of a method for rapid channel access to a loan business system according to an embodiment of this application. Figure 2 It can be seen that the embodiments of this application include at least steps S210 to S230:

[0032] Step S210: Obtain the access configuration parameters of the channel to be accessed, and generate a channel strategy based on the access configuration parameters.

[0033] When an external channel is selected to connect to the loan business system, a channel number is first assigned to this channel, and access configuration parameters are configured for it. A channel strategy for the channel can then be generated based on these parameters. The access configuration parameters have default values; if not explicitly set, the channel strategy can be generated based on these default values. The channel strategy can be understood as a plan for handling incoming application data for that channel, such as limiting the amount of incoming application data.

[0034] In some embodiments of this application, the access configuration parameters include, but are not limited to, one or more of the following: channel media code, channel validity period, daily channel traffic limit, city ratio, weighted application limit, and channel recommendation weight. This application does not limit the access configuration parameters; they can be added or reduced as needed.

[0035] In addition, to facilitate operation by staff, a configuration interface is provided. This interface includes numerous input parameter controls, such as channel media code controls, channel validity period controls, channel daily traffic limit controls, city ratio controls, weighted application limit controls, and channel recommendation weight controls. The selectable or fillable items for these controls can be configured according to specific needs. Staff can configure the access parameters through selection or input in the configuration interface. The loan business system can receive these access configuration parameters through the configuration interface.

[0036] Channel strategies can be generated based on access configuration parameters. That is, a set of processing rules for incoming data of the channels to be accessed is generated based on the access configuration parameters. The processing rules are stored in correspondence with the channel codes to form the channel strategy for the channels to be accessed.

[0037] Step S220: Provide a standard interface and receive incoming data returned by the channel to be accessed by calling the standard interface and according to the channel number. The incoming data includes a first private key corresponding to the first public key; wherein the channel number is sent to the channel to be accessed through a first specified communication method.

[0038] The channel number can be understood as a channel's identity identifier in the loan business system. Usually, this identity identifier is unique. When an external channel sends application data to the loan business system, the loan business system can identify which external channel sent the application data by recognizing the channel number.

[0039] For the channel number, after an external channel determines that it wants to access the loan business system, the staff of the loan business system can send the channel number to the channel to be accessed through a first designated communication method, such as encrypted email.

[0040] To enable different external channels to quickly access the loan business system, the loan business system provides a unified standard interface. The standard interface can be an API interface with a specified address, and the interface file of the standard interface is a standardized document. After obtaining the interface file, different external channels only need a simple development process to meet the usage requirements of the interface file. When submitting applications to the loan business system, they can directly call the standard interface to send application data to the loan business system.

[0041] When a channel to be connected sends application data to the loan business system, the application data includes the channel number of the channel to be connected, so that the loan business system can know which channel sent the application data.

[0042] Step S230: Decrypt the incoming data based on the first public key, and process the decrypted incoming data according to the channel policy to achieve access to the channel to be accessed; wherein the first public key is received from the channel to be accessed through the second specified communication method.

[0043] Before a channel to be connected sends application data to the loan business system, relevant personnel of the channel can send the channel's first public key to the loan business system via a second designated communication method. The purpose of this first public key is to decrypt the application data sent by the channel to be connected. This is for network security considerations. The application data usually contains the channel's first private key corresponding to the first public key. By matching the consistency between the first public key and the first private key, the application data can be decrypted. When the application data is successfully decrypted, it can be confirmed that the channel to be connected has successfully connected to the loan business system. The loan business system can then process and manage the application data sent by the channel to be connected according to the channel policy.

[0044] from Figure 2 As shown in the method, this application provides a unified standard interface, assigns a channel number and a first public key to the channels to be connected, and configures corresponding access configuration parameters for the channels to be connected, forming a channel strategy for the channels to be connected. The channels to be connected call the standard interface and send application data to the loan business system through the standard interface to achieve rapid access to external channels. This application, through a configurable access method, enables external channels to quickly access the loan business system and supports the access of multiple channels simultaneously. It achieves channel deployment without version release, greatly reducing the external channel access cycle and reducing R&D manpower and time costs; moreover, the access of new channels will not affect the operation of existing channels, reducing the manpower investment in testing and regression; and significantly improving the operational efficiency of the loan business.

[0045] In current technology, loan business systems typically lack management of multiple external channels, cannot effectively analyze application data from external channels, and cannot compare the quality of users from different channels in a timely manner. As a result, they cannot process application data and channel strategies in a timely manner, such as adjusting the proportion of user data recommended to funding providers from different channels, leading to a low conversion rate for user loans.

[0046] In some embodiments of this application, the loan business system can not only perform routine processing on the incoming application data, but also generate channel statistical reports based on the processing results obtained from processing the decrypted incoming application data. The channel statistical reports include the incoming application status and / or conversion rate. The system also updates the access configuration parameters based on the channel statistical reports.

[0047] Once a channel is integrated, the loan business system processes the incoming application data and generates statistical reports for that channel based on the processing results. These reports can include information on incoming applications, such as the quantity and quality of applications, as well as conversion rates, such as the channel's conversion rate compared to other channels. Operations personnel can view this data in real time through the front-end display of the loan business system. Based on the incoming application data and user quality of that channel, they can adjust the channel integration configuration parameters in a timely manner, such as the daily number of incoming applications, the number of user pushes to that channel, and the weight of each channel. By adjusting the integration configuration parameters, the system can proportionally combine the pushes from various channels to the corresponding funding parties, thereby improving the loan business conversion rate.

[0048] In some embodiments of this application, the method further includes: generating a channel adjustment plan based on the channel statistics report and pushing it to the channel to be accessed.

[0049] To enable external channels to better and more effectively push application materials to the loan business system, a channel adjustment plan can be generated based on the channel statistical reports. This plan can then be pushed to the external channels, allowing them to adjust their application data according to the suggestions within the plan.

[0050] In some embodiments of this application, the step of decrypting the incoming data based on the first public key includes: hashing the first public key according to a preset algorithm; comparing the consistency of the hashing result with the first private key; if they are consistent, it is determined that the decryption of the incoming data was successful; otherwise, it is determined that the decryption of the incoming data failed.

[0051] Application data often contains sensitive financial or privacy data. To prevent the data from being stolen, the access channel can use a public and private key (also known as a key) mechanism to encrypt the application data. The first public key is sent to the loan business system through a second designated communication method. Before processing the application data, the loan business system first decrypts the application data based on the received first public key and the public and private key mechanism. Only if the decryption is successful can the application data be processed.

[0052] During encryption, the first private key corresponding to the first public key is usually stored in the incoming data. Both the first public key and the first private key can be in various forms, such as a string containing various characters. The first public key is hashed using a preset algorithm. The hash yields a "value", which can be a number or certain specific characters or strings. The hash result is compared with the first private key. If they match, decryption is successful; if they do not match, decryption fails.

[0053] In some embodiments of this application, the method further includes: obtaining the IP address of the channel to be accessed; and disabling the corresponding firewall for the channel to be accessed based on the IP address of the channel to be accessed.

[0054] To further enhance and ensure network security, firewalls can be set up on external networks. If an external channel fails the firewall's verification, it cannot successfully access the loan business system. Therefore, before a channel can access the loan business system, the loan business system needs to disable its firewall. Specifically, the IP address of the channel to be accessed can be obtained; based on the IP address of the channel, the corresponding firewall can be disabled for that channel.

[0055] Figure 3 A flowchart illustrating a method for rapid channel access to a loan business system according to another embodiment of this application is shown, the method being used for the channel to be accessed, from... Figure 3 As can be seen, this embodiment includes steps S310 to S330:

[0056] Step S310: Call the standard interface provided by the loan business system, and parse the standard interface based on the second public key to obtain the interface configuration file, wherein the standard interface contains a second private key corresponding to the second public key, wherein the second public key is received from the loan business system through a second specified communication method.

[0057] Step S320: Perform the corresponding development according to the interface configuration file.

[0058] Step S330: Based on the channel code, send application data to the loan business system through the standard interface, wherein the application data includes a first private key corresponding to the first public key; wherein the channel number is received from the loan business system through a first designated communication method.

[0059] An external channel that wants to access the loan business system can submit an application to the loan business system offline, and then receive a channel number assigned by the loan business system through a first designated communication method; and a second public key from the loan business system side sent through a second designated communication method.

[0060] When a channel to be connected first accesses the loan business system, it calls the unified loan business system provided by the loan business system. The standard interface contains an interface configuration file, which stores some rules for uploading application data. The channel to be connected can obtain the interface configuration file by parsing the standard interface based on the second public key.

[0061] Once the channel side receives the interface configuration file, it can perform corresponding development based on the interface configuration file. Since the interface is standardized and the interface configuration file is also standardized, the development of the channel side is very simple and the cycle is very short.

[0062] It should be noted that the corresponding development is only required when the channel to be connected sends the application data to the loan business system for the first time, that is, when step S320 is executed. In subsequent use, the standard interface can be called directly.

[0063] After development is completed, application data can be sent to the loan business system through the standard interface. The application data may include a channel code, which can be used as part of the application data name or as part of the application data content.

[0064] from Figure 3 As shown in the method, channels seeking integration can quickly connect to the loan business system after simple development by calling the unified standard interface provided by the system. This application, through a configurable integration approach, enables external channels to quickly connect to the loan business system and supports simultaneous integration of multiple channels. It allows for channel deployment without version releases, significantly reducing the external channel integration cycle and lowering R&D manpower and time costs. Furthermore, the integration of new channels does not affect the operation of existing channels, reducing the manpower required for testing and regression analysis, and significantly improving the operational efficiency of the loan business.

[0065] Figure 4 A flowchart illustrating a method for rapid channel access to a loan business system according to another embodiment of this application is shown. Figure 4 It can be seen that:

[0066] The channel to be connected sends an access request to the loan business system, along with its first public key and channel IP address. If the loan business system determines that the channel can be connected, it disables the firewall for the channel and sends its second public key and channel number to the channel.

[0067] The loan business system responds to parameter configuration instructions by receiving access configuration parameters from the channels to be accessed, generating channel policies, and providing standard interfaces to the channels to be accessed. The standard interfaces include interface configuration files and are encrypted based on a second private key.

[0068] The channel to be connected calls the standard interface, parses the standard interface based on the second public key to obtain the interface configuration file, and performs corresponding development based on the interface configuration file.

[0069] The channel to be connected sends incoming data through a standard interface. The incoming data includes the first private key.

[0070] The loan business system decrypts and processes the incoming application data based on the first public key, generates channel statistical reports and their channel adjustment plans, adjusts the access configuration parameters according to the channel statistical reports, and pushes the channel adjustment plans to the channels to be accessed.

[0071] Figure 5 A schematic diagram of a device 500 for quick access to a loan business system via a first channel according to an embodiment of this application is shown. The device 500 is deployed in the loan business system 110. Figure 1 From ) Figure 5 It can be seen that the device 500 includes:

[0072] The acquisition unit 510 is used to acquire the access configuration parameters of the channel to be accessed, and generate a channel strategy based on the access configuration parameters;

[0073] The receiving unit 520 is configured to provide a standard interface and receive incoming data returned by the channel to be accessed by calling the standard interface and according to the channel number. The incoming data includes a first private key corresponding to the first public key. The channel number is sent to the channel to be accessed through a first specified communication method.

[0074] The processing unit 530 is used to decrypt the incoming data based on the first public key, and process the decrypted incoming data according to the channel policy to realize access to the channel to be accessed; wherein the first public key is received from the channel to be accessed through a second specified communication method.

[0075] In some embodiments of this application, in the above-described apparatus 500, the processing unit 530 is further configured to generate a channel statistics report based on the processing result obtained by processing the decrypted incoming data, the channel statistics report including incoming data and / or conversion rate data; and update the access configuration parameters based on the channel statistics report.

[0076] In some embodiments of this application, in the above-described apparatus 500, the processing unit 530 is further configured to generate a channel adjustment plan based on the channel statistical report and push it to the channel to be accessed.

[0077] In some embodiments of this application, in the above-described apparatus 500, the processing unit 530 is configured to perform hash processing on the first public key according to a preset algorithm; compare the consistency of the hash processing result with the first private key; if they are consistent, it is determined that the decryption of the incoming data is successful; otherwise, it is determined that the decryption of the incoming data fails.

[0078] In some embodiments of this application, the apparatus 500 described above further includes: an authorization unit, configured to obtain the IP address of the channel to be accessed; and to disable the corresponding firewall for the channel to be accessed based on the IP address of the channel to be accessed.

[0079] In some embodiments of this application, in the device 500 described above, the access configuration parameters include at least one of the following: channel media code, channel validity period, daily channel traffic limit, city ratio, weighted application limit, and channel recommendation weight.

[0080] Figure 6 A schematic diagram of a device 600 for quick access to a loan business system via a second channel according to an embodiment of this application is shown. The device 600 is deployed on the channel to be accessed 140. Figure 1 From ) Figure 6 It can be seen that the device 600 includes:

[0081] The calling unit 610 is used to call the standard interface provided by the loan business system, and parse the standard interface based on the second public key to obtain the interface configuration file, wherein the standard interface contains a second private key corresponding to the second public key, and the second public key is received from the loan business system through a second specified communication method;

[0082] Development unit 620 is used to perform corresponding development based on the channel configuration file;

[0083] The sending unit 630 is configured to send application data to the loan business system through the standard interface according to the channel code, wherein the application data includes a first private key corresponding to the first public key; wherein the channel number is received from the loan business system through a first designated communication method.

[0084] It is understood that the aforementioned device for quickly accessing the loan business system through channels can implement each step of the method for quickly accessing the loan business system through channels provided in the foregoing embodiments. The relevant explanations of the method for quickly accessing the loan business system through channels are applicable to the device for quickly accessing the loan business system through channels, and will not be repeated here.

[0085] Figure 7 This is a schematic diagram of the structure of an electronic device according to an embodiment of this application. Please refer to it. Figure 7At the hardware level, the electronic device includes a processor, and optionally also includes an internal bus, a network interface, and memory. The memory may include main memory, such as high-speed random-access memory (RAM), or non-volatile memory, such as at least one disk drive. Of course, the electronic device may also include other hardware required for other business operations.

[0086] The processor, network interface, and memory can be interconnected via an internal bus, which can be an ISA (Industry Standard Architecture) bus, a PCI (Peripheral Component Interconnect) bus, or an EISA (Extended Industry Standard Architecture) bus, etc. This bus can be divided into address bus, data bus, control bus, etc. For ease of representation, Figure 7 The symbol is represented by a single double-headed arrow, but this does not mean that there is only one bus or one type of bus.

[0087] Memory is used to store programs. Specifically, programs may include program code, which includes computer operation instructions. Memory may include main memory and non-volatile memory, and provides instructions and data to the processor.

[0088] The processor reads the corresponding computer program from non-volatile memory into memory and then runs it, forming a device for rapid access to the loan business system through the first / second channel at the logical level. The processor executes the program stored in memory and specifically performs the above-described method.

[0089] The above is as stated in this application. Figure 5The method executed by the apparatus for rapid access to the loan business system through the first / second channel disclosed in embodiment 6 can be applied to a processor or implemented by a processor. The processor may be an integrated circuit chip with signal processing capabilities. During implementation, each step of the above method can be completed by integrated logic circuits in the processor's hardware or by instructions in software form. The processor can be a general-purpose processor, including a Central Processing Unit (CPU), a Network Processor (NP), etc.; it can also be a Digital Signal Processor (DSP), an Application Specific Integrated Circuit (ASIC), a Field-Programmable Gate Array (FPGA), or other programmable logic devices, discrete gate or transistor logic devices, or discrete hardware components. It can implement or execute the methods, steps, and logic block diagrams disclosed in the embodiments of this application. The general-purpose processor can be a microprocessor or any conventional processor. The steps of the method disclosed in the embodiments of this application can be directly embodied in the execution of a hardware decoding processor, or executed by a combination of hardware and software modules in the decoding processor. The software module can reside in a mature storage medium in the field, such as random access memory, flash memory, read-only memory, programmable read-only memory, electrically erasable programmable memory, or registers. This storage medium is located in memory, and the processor reads information from the memory and, in conjunction with its hardware, completes the steps of the above method.

[0090] The electronic device can also perform Figure 5 The method executed by the device for rapid access to the loan business system via the first / second channel in 6 or the method for realizing the device for rapid access to the loan business system via the first / second channel. Figure 5 The functions of the embodiments shown in Figure 6 are not described again here.

[0091] This application also proposes a computer-readable storage medium that stores one or more programs, the programs including instructions that, when executed by an electronic device including multiple applications, enable the electronic device to perform... Figure 5 The method executed by the device for rapid access to the loan business system through the first / second channel in the embodiment shown in 6, and specifically used to execute the aforementioned method.

[0092] Those skilled in the art will understand that embodiments of this application can be provided as methods, systems, or computer program products. Therefore, this application can take the form of a completely hardware embodiment, a completely software embodiment, or an embodiment combining software and hardware aspects. Furthermore, this application can take the form of a computer program product embodied on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0093] This application is described with reference to flowchart illustrations and / or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of this application. It will be understood that each block of the flowchart illustrations and / or block diagrams, and combinations of blocks in the flowchart illustrations and / or block diagrams, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, special-purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, generate instructions for implementing the flowchart... Figure 1 One or more processes and / or boxes Figure 1 A device that provides the functions specified in one or more boxes.

[0094] These computer program instructions may also be stored in a computer-readable storage medium that can direct a computer or other programmable data processing device to function in a particular manner, such that the instructions stored in the computer-readable storage medium produce an article of manufacture including instruction means, which are implemented in a process Figure 1 One or more processes and / or boxes Figure 1 The function specified in one or more boxes.

[0095] These computer program instructions may also be loaded onto a computer or other programmable data processing equipment to cause a series of operational steps to be performed on the computer or other programmable equipment to produce a computer-implemented process, thereby providing instructions that execute on the computer or other programmable equipment for implementing the process. Figure 1 One or more processes and / or boxes Figure 1 The steps of the function specified in one or more boxes.

[0096] In a typical configuration, a computing device includes one or more processors (CPU), input / output interfaces, network interfaces, and memory.

[0097] Memory may include non-persistent storage in computer-readable media, such as random access memory (RAM) and / or non-volatile memory, such as read-only memory (ROM) or flash RAM. Memory is an example of computer-readable media.

[0098] Computer-readable media includes both permanent and non-permanent, removable and non-removable media that can store information using any method or technology. Information can be computer-readable instructions, data structures, modules of programs, or other data. Examples of computer storage media include, but are not limited to, phase-change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technologies, CD-ROM, digital versatile optical disc (DVD) or other optical storage, magnetic tape, magnetic magnetic disk storage or other magnetic storage devices, or any other non-transferable medium that can be used to store information accessible by a computing device. As defined herein, computer-readable media does not include transient computer-readable media, such as modulated data signals and carrier waves.

[0099] It should also be noted that the terms "comprising," "including," or any other variations thereof are intended to cover non-exclusive inclusion, such that a process, method, article, or apparatus 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 apparatus. Without further limitation, an element defined by the phrase "comprising one..." does not exclude the presence of other identical elements in the process, method, article, or apparatus that includes said element.

[0100] Those skilled in the art will understand that embodiments of this application can be provided as methods, systems, or computer program products. Therefore, this application can take the form of a completely hardware embodiment, a completely software embodiment, or an embodiment combining software and hardware aspects. Furthermore, this application can take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0101] The above description is merely an embodiment of this application and is not intended to limit the scope of this application. Various modifications and variations can be made to this application by those skilled in the art. Any modifications, equivalent substitutions, improvements, etc., made within the spirit and principles of this application should be included within the scope of the claims of this application.

Claims

1. A method for channel quick access loan service system, characterized in that, The method is used in the loan business system, and the method includes: Obtain the access configuration parameters of the channel to be accessed, and generate a channel strategy based on the access configuration parameters; wherein, the channel strategy represents the scheme for processing the channel's incoming data; A standard interface is provided, wherein the standard interface includes an interface configuration file and is encrypted based on a second private key, so that the channel to be accessed can parse the standard interface based on the second public key to obtain the interface configuration file and perform corresponding development according to the interface configuration file; wherein the interface configuration file includes rules for uploading incoming data; wherein the second public key is sent to the channel to be accessed through a second specified communication method; The system receives incoming data from the channel to be connected by calling the standard interface and returning it according to the channel number. The incoming data includes a first private key corresponding to a first public key. The channel number is sent to the channel to be connected via a first specified communication method. The incoming data is decrypted based on the first public key, and processed according to the channel policy to enable access to the channel to be accessed; wherein the first public key is received from the channel to be accessed through a second specified communication method.

2. The method of claim 1, wherein, The method further includes: Based on the processing results obtained from processing the decrypted incoming data, a channel statistics report is generated, which includes incoming data and / or conversion rate data. Update the access configuration parameters based on the channel statistics report.

3. The method of claim 2, wherein, The method further includes: A channel adjustment plan is generated based on the channel statistics report and pushed to the channels to be connected.

4. The method of claim 1, wherein, The process of decrypting the incoming data based on the first public key includes: The first public key is hashed according to a preset algorithm; The result of the hash processing is compared with the first private key. If they match, the decryption of the incoming data is determined to be successful; otherwise, the decryption of the incoming data is determined to be unsuccessful.

5. The method of claim 1, wherein, The method further includes: Obtain the IP address of the channel to be accessed; Based on the IP address of the channel to be accessed, disable the corresponding firewall for the channel to be accessed.

6. The method according to any one of claims 1 to 5, characterized in that, The access configuration parameters include at least one of the following: channel media code, channel validity period, daily traffic limit for the channel, city ratio, weighted application limit, and channel recommendation weight.

7. A method for quickly accessing a loan business system through a channel, characterized in that, The method is used for a channel to be accessed, and the method includes: The standard interface provided by the loan business system is invoked, and the standard interface is parsed based on the second public key to obtain the interface configuration file. The standard interface contains a second private key corresponding to the second public key. The second public key is received from the loan business system through a second specified communication method. Develop accordingly based on the interface configuration file, which includes rules for uploading incoming data; Based on the channel number, application data is sent to the loan business system through the standard interface. The application data includes a first private key corresponding to a first public key, enabling the loan business system to decrypt the application data based on the first public key and process the decrypted application data according to the channel policy. The channel number is received from the loan business system via a first designated communication method. The channel policy represents a scheme for processing channel application data and is generated by the loan business system based on the access configuration parameters of the channel to be accessed.

8. An apparatus for channel quick access loan service system, characterized in that, The device is capable of implementing the method described in any one of claims 1 to 6 or claim 7.

9. An electronic device, comprising: processor; as well as A memory configured to store computer-executable instructions, which, when executed, cause the processor to perform the method of any one of claims 1 to 6 or claim 7.

10. A computer-readable storage medium storing one or more programs, which, when executed by an electronic device including a plurality of applications, cause the electronic device to perform the method of any one of claims 1 to 6 or claim 7.

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