Funds application method, device, equipment, and storage medium based on property platform

Abstract

The present invention proposes a method, device, equipment, and storage medium for applying for funds based on a property platform, the method comprising: determining a corresponding target container based on a target domain name of a target cell system; generating a target application interface based on standard application fields and a target configuration file of the target container and pushing it to the target cell system; obtaining target application information for each standard application field according to a target application form fed back by the target application interface; and completing approval based on the target application information and preset target approval rules. According to the technical solution of an embodiment of the present invention, an independent association container can be provided for each candidate cell system, a custom association configuration file can be saved through the association container, and the target container can be matched by the domain name when accessing the property platform, thereby constructing a target application interface, so that the target application interface is more in line with the filling requirements of the target cell system, the configuration flexibility of the fund application form is improved, and the approval efficiency of the funds is improved.

Description

Technical Field

[0001] The present invention relates to the field of data processing technology, and in particular to a payment application method, device, equipment, and storage medium based on a property platform. Background Art

[0002] With the development of computer technology, property management has shifted from offline to online, and all kinds of property-related affairs are completed through the property system. Property security deposit is a deposit collected in advance from the owner for the maintenance of public facilities. Public facilities are not often damaged, and the frequency of using security deposits is usually not very high. Some property companies have opened up the borrowing of security deposits. Different property projects or owners can borrow security deposits within a certain amount, which can not only improve the turnover flexibility of funds in property management, but also improve the owner experience.

[0003] The borrowing of security deposits requires relevant approvals. For property platforms with more jurisdictions, the security deposits are managed uniformly by the platform. The property system can only request a standard application form from the property platform. The property system and property database of each community are also independent. The fields of the standard application form are not necessarily recorded in the property database. This requires management personnel to manually query the database and then fill out the application form, which can easily lead to problems with non-standard filling, affecting the efficiency of fund approval and the owner experience. Summary of the invention

[0004] The present invention aims to solve at least one of the technical problems existing in the prior art. To this end, the present invention proposes a payment application method, device, equipment, and storage medium based on a property platform, which can improve the configuration flexibility of the payment application form and improve the approval efficiency of the payment.

[0005] In a first aspect, an embodiment of the present invention provides a payment application method based on a property platform, which is applied to the property platform, wherein the property platform is communicatively connected with a financial system, a bank system, and a plurality of candidate cell systems, and the method comprises:

[0006] Obtain a trigger request sent by any target cell system, and determine a corresponding target container based on a target domain name of the target cell system, wherein each cell domain name of the candidate cell system is pre-associated with an associated container, each associated container is pre-configured with an associated configuration file, and the associated configuration file is used to indicate a configuration style;

[0007] Obtaining preset standard application fields, generating a target application interface based on the standard application fields and a target configuration file of the target container, and pushing the target application interface to the target cell system;

[0008] When the target application form fed back by the target cell system based on the target application interface is obtained, the target application information of each of the standard application fields is obtained from the target application form based on the target configuration file;

[0009] A first approval result is generated based on the target application information and preset target approval rules. When the first approval result is used to indicate that the approval is passed, a financial approval form and a bank approval form are generated based on the target application information, the financial approval form is sent to the financial system, the bank approval form is sent to the bank system, and application completion information is fed back to the target cell system.

[0010] According to some embodiments of the present invention, before obtaining a trigger request sent by any target cell system, the method further includes:

[0011] Obtain a configuration request initiated by the cell system to be configured;

[0012] When the configuration request is sent for the first time, the current domain name of the cell system to be configured is determined as the corresponding cell domain name, the associated container of the cell domain name is constructed, and a preset default configuration file is determined as the associated configuration file, wherein the default configuration file records the standard application field;

[0013] Alternatively, when the configuration request is not sent for the first time, determining a container to be configured based on the cell domain name of the cell system to be configured, and acquiring the associated configuration file of the container to be configured;

[0014] Building a to-be-configured application interface based on the associated configuration file, pushing the to-be-configured application interface to the to-be-configured cell system, and collecting configuration operation information of the to-be-configured cell system on the to-be-configured application interface;

[0015] The association configuration file is modified based on the configuration operation information, and the modified association configuration file is updated to the association container.

[0016] According to some embodiments of the present invention, after obtaining the configuration request initiated by the system of the cell to be configured, the method further includes:

[0017] Determine a target configuration end by parsing the configuration request, wherein the target configuration end is a management end or a user end;

[0018] When the target configuration end is the management end, configuring a first container of the cell domain name;

[0019] Alternatively, when the target configuration end is the user end, configuring a second container of the cell domain name;

[0020] The first container and the second container are determined as the associated containers of the cell domain name, wherein the associated files of the first container and the second container are not shared with each other.

[0021] According to some embodiments of the present invention, the standard application field includes a qualification field and a payment field, and the generating a first approval result based on the target application information and a preset target approval rule includes:

[0022] Obtain target qualification information indicated by the qualification field, and obtain target payment information indicated by the payment field;

[0023] Determine a target credit score based on the target qualification information, and determine a target loan amount and a target loan term based on the target amount information;

[0024] The first approval result is generated based on the target credit score, the target loan amount and the target loan term.

[0025] According to some embodiments of the present invention, generating a financial approval form and a bank approval form based on the target application information includes:

[0026] Obtaining a preset financial form template, wherein the financial form template includes the standard application field and the account field;

[0027] Acquire target account information pre-associated with the target container, generate the financial approval form based on the target application information, the target account information and the financial form template, and send the financial approval form to the financial system;

[0028] When the second approval result fed back by the financial system is obtained, and the second approval result is used to indicate approval, a preset bank form template is obtained, wherein the bank form template includes the standard application field and the account field;

[0029] The bank approval form is generated based on the target application information, the target account information and the bank form template, and the bank approval form is sent to the bank system to obtain a third approval result fed back by the bank system, wherein the third approval result is used to indicate whether to release the loan and the time node of the arrival of the loan.

[0030] According to some embodiments of the present invention, feeding back application completion information to the target cell system includes:

[0031] Building a target feedback interface based on the target configuration file, wherein the target feedback interface includes the standard application field and the result field;

[0032] Writing the target application information into the standard application field of the target feedback interface;

[0033] Generate the application completion information based on the first approval result, the second approval result and the third approval result, and write the application completion information into the result field;

[0034] The target feedback interface is pushed to the target cell system.

[0035] According to some embodiments of the present invention, after pushing the target feedback interface to the target cell system, the method further includes:

[0036] generating a target application record based on the trigger request and the target application information,

[0037] generating a target approval record based on the application completion information;

[0038] The target application record and the target approval record are saved in the target container.

[0039] In a second aspect, an embodiment of the present invention provides a payment application device based on a property platform, comprising at least one control processor and a memory for communicating with the at least one control processor; the memory stores instructions executable by the at least one control processor, and the instructions are executed by the at least one control processor so that the at least one control processor can execute the payment application method based on the property platform as described in the first aspect above.

[0040] In a third aspect, an embodiment of the present invention provides an electronic device, comprising a payment application device based on a property platform as described in the second aspect above.

[0041] In a fourth aspect, an embodiment of the present invention provides a computer-readable storage medium storing computer-executable instructions, wherein the computer-executable instructions are used to execute the payment application method based on the property platform as described in the first aspect above.

[0042] The payment application method based on the property platform according to the embodiment of the present invention has at least the following beneficial effects: obtaining a trigger request sent by any target cell system, determining a corresponding target container based on the target domain name of the target cell system, wherein the cell domain name of each candidate cell system is pre-associated with an associated container, and each associated container is pre-configured with an associated configuration file, and the associated configuration file is used to indicate a configuration style; obtaining preset standard application fields, generating a target application interface based on the standard application fields and the target configuration file of the target container, and pushing the target application interface to the target cell system; when obtaining the target application form fed back by the target cell system based on the target application interface, obtaining target application information of each standard application field from the target application form based on the target configuration file; generating a first approval result based on the target application information and the preset target approval rule, and when the first approval result is used to indicate approval, generating a financial approval form and a bank approval form based on the target application information, sending the financial approval form to the financial system, sending the bank approval form to the bank system, and feeding back application completion information to the target cell system. According to the technical solution of the embodiment of the present invention, an independent association container can be provided for each candidate cell system, and a customized association configuration file can be saved through the association container. When the target cell system accesses the property platform, the target container is matched by the domain name, and then a customized target application interface with standard application fields is constructed, so that the target application interface is more in line with the filling requirements of the target cell system, the configuration flexibility of the payment application form is improved, and the approval efficiency of the payment is improved. BRIEF DESCRIPTION OF THE DRAWINGS

[0043] Figure 1 is a schematic diagram of a system architecture provided by an embodiment of the present invention;

[0044] Figure 2 is a flow chart of a method for applying for funds based on a property platform provided by another embodiment of the present invention;

[0045] Figure 3 is a complete flow chart of a payment application method based on a property platform provided by another embodiment of the present invention;

[0046] Figure 4 It is a structural diagram of a payment application device based on a property platform provided in another embodiment of the present invention. DETAILED DESCRIPTION

[0047] Embodiments of the present invention are described in detail below, examples of which are shown in the accompanying drawings, wherein the same or similar reference numerals throughout represent the same or similar elements or elements having the same or similar functions. The embodiments described below with reference to the accompanying drawings are exemplary and are only used to explain the present invention, and cannot be understood as limiting the present invention.

[0048] In the description of the present invention, it should be understood that descriptions involving orientations, such as up, down, front, back, left, right, etc., and orientations or positional relationships indicated are based on the orientations or positional relationships shown in the accompanying drawings, and are only for the convenience of describing the present invention and simplifying the description, and do not indicate or imply that the device or element referred to must have a specific orientation, be constructed and operated in a specific orientation, and therefore should not be understood as a limitation on the present invention.

[0049] In the description of the present invention, "several" means one or more, "more" means more than two, "greater than", "less than", "exceed" etc. are understood as not including the number itself, and "above", "below", "within" etc. are understood as including the number itself. If there is a description of "first" or "second", it is only used for the purpose of distinguishing the technical features, and cannot be understood as indicating or implying the relative importance or implicitly indicating the number of the indicated technical features or implicitly indicating the order of the indicated technical features.

[0050] In the description of the present invention, unless otherwise clearly defined, terms such as setting, installing, connecting, etc. should be understood in a broad sense, and technicians in the relevant technical field can reasonably determine the specific meanings of the above terms in the present invention based on the specific content of the technical solution.

[0051] The embodiment of the present invention provides a method, device, equipment, and storage medium for applying for funds based on a property platform, wherein the method for applying for funds based on the property platform includes: obtaining a trigger request sent by any target cell system, determining a corresponding target container based on a target domain name of the target cell system, wherein the cell domain name of each candidate cell system is pre-associated with an associated container, and each associated container is pre-configured with an associated configuration file, and the associated configuration file is used to indicate a configuration style; obtaining preset standard application fields, generating a target application interface based on the standard application fields and a target configuration file of the target container, and pushing the target application interface to the target cell system; when a target application form fed back by the target cell system based on the target application interface is obtained, obtaining target application information of each standard application field from the target application form based on the target configuration file; generating a first approval result based on the target application information and a preset target approval rule, and when the first approval result is used to indicate approval, generating a financial approval form and a bank approval form based on the target application information, sending the financial approval form to the financial system, sending the bank approval form to the bank system, and feeding back application completion information to the target cell system. According to the technical solution of the embodiment of the present invention, an independent association container can be provided for each candidate cell system, and a customized association configuration file can be saved through the association container. When the target cell system accesses the property platform, the target container is matched by the domain name, and then a customized target application interface with standard application fields is constructed, so that the target application interface is more in line with the filling requirements of the target cell system, the configuration flexibility of the payment application form is improved, and the approval efficiency of the payment is improved.

[0052] First, refer to Figure 1 , Figure 1 A schematic diagram of the system architecture provided for an embodiment of the present invention. The system of this embodiment includes a property platform 20, a financial system 30, a banking system 40 and multiple candidate cell systems. The property platform 20 is communicatively connected with the financial system 30, the banking system 40 and multiple candidate cell systems.

[0053] The property platform 20 may be a property server, and the property system of each community is connected to the property platform 20 for unified management, such as Figure 1As shown, the first community system 11 is a candidate community system for the first community, and the second community system 12 is a candidate community system for the second community. The first community and the second community belong to the same property system. Therefore, the deposit and other related funds are all controlled by the same financial system 30 and bank system 40. When the first community system 11 needs to apply for funds, it initiates a trigger request to the property platform 20. The property platform 20 identifies the corresponding target container according to the target domain name of the first community system 11, obtains the corresponding target configuration file to generate a target application interface, and pushes the target application interface to the first community system 11. After the owner or manager of the first community fills in the relevant information based on the target application interface, a target application form is generated and sent to the property platform 20. The property platform 20 generates a first approval result based on the target application information in the target application form, and generates a financial approval form by the property platform 20 and sends it to the financial system 20, and generates a bank approval form and sends it to the bank system 40.

[0054] Among them, the first cell system 11 and the second cell system 12 may include multiple terminals, such as an administrator terminal and an owner terminal. The administrator terminal initiates a trigger request to apply for funds for property management, and the owner terminal initiates a trigger request to apply for funds for personal financial needs. This embodiment does not limit the access terminals of the candidate cell systems.

[0055] Among them, the financial system 30 is an internal system of the property, which can be set up on the same server side as the property platform 20, and the bank system 40 is an external system, which can be connected through the communication network and API interface.

[0056] The following is based on the Figure 1 The property management system shown further illustrates the technical solution of the embodiment of the present invention.

[0057] Reference Figure 2 , Figure 2 A flowchart of a method for applying for funds based on a property platform is provided in an embodiment of the present invention. The method for applying for funds based on a property platform includes but is not limited to the following steps:

[0058] S10, obtaining a trigger request sent by any target cell system, and determining a corresponding target container based on a target domain name of the target cell system, wherein a cell domain name of each candidate cell system is pre-associated with an associated container, each associated container is pre-configured with an associated configuration file, and the associated configuration file is used to indicate a configuration style;

[0059] S20, obtaining preset standard application fields, generating a target application interface based on the standard application fields and a target configuration file of the target container, and pushing the target application interface to the target cell system;

[0060] S30, when the target application form fed back by the target cell system based on the target application interface is obtained, the target application information of each standard application field is obtained from the target application form based on the target configuration file;

[0061] S40, a first approval result is generated based on the target application information and preset target approval rules. When the first approval result is used to indicate approval, a financial approval form and a bank approval form are generated based on the target application information, the financial approval form is sent to the financial system, the bank approval form is sent to the bank system, and application completion information is fed back to the target community system.

[0062] It should be noted that according to Figure 1 In the description of the illustrated embodiment, since each candidate cell system has a corresponding associated container, each candidate cell system can independently initiate an application to the property platform by utilizing the isolation characteristics of the container technology. In this embodiment, the candidate cell system that initiates the payment application is determined as the target cell system. The following description is based on the response method of a target cell system. When multiple candidate cell systems initiate requests, they can respond in the same manner based on the corresponding associated containers and associated configuration files.

[0063] It should be noted that the trigger request can be initiated by the management personnel or the owner logging into the target community system through a specific button. For example, the target community system is a property management APP, and a function button for borrowing a deposit is set in the APP. The property management personnel or the owner logs in to the property management APP and clicks the function button. The target community system generates a trigger request and sends it to the property platform.

[0064] It should be noted that in this embodiment, an associated container is independently configured for each candidate cell system. Those skilled in the art will know that different containers are independent of each other in terms of data interaction, communication, and data storage. In the property management scenario, the data of different cells are independent of each other. Therefore, allocating an exclusive associated container to each candidate cell system can ensure that the data storage and data interaction of different cells are isolated from each other. The property platform can also respond to requests from multiple candidate cell systems at the same time, thereby improving management flexibility and data exclusivity.

[0065] It should be noted that this embodiment binds the cell domain name to the associated container. Each candidate cell system is connected to the property platform through the Internet. Therefore, when the property platform obtains the trigger request of the target cell system, it can obtain the cell domain name corresponding to the target cell system. Using the cell domain name to distinguish the cells can save unnecessary login verification and improve data access efficiency. This embodiment does not limit the specific form of the cell domain name. It is sufficient to set the cell domain name corresponding to each candidate cell system on the property platform in advance.

[0066] It should be noted that, under the premise of having an associated container to achieve data isolation, this embodiment further sets an associated configuration file in each associated container, and the candidate cell system can configure the display application interface according to its own needs, and generate an associated configuration file based on the configuration operation, for example, the style of the standard application field is recorded in the associated configuration file, and a custom field is constructed, and the style of the custom field is recorded to achieve flexible configuration of the application interface. The style of this embodiment is the display style of the relevant field in the display interface, such as font size, input box style, etc., which will not be elaborated here.

[0067] It should be noted that standard application fields are required, so the display style of the standard application fields will be recorded in each associated configuration file. After determining the target container and target configuration file, the standard application fields are generated in the target application interface according to the style recorded in the target configuration file, thereby obtaining a target application interface with multiple fields. The property management personnel or owners can display the target application interface through the property management APP and fill in the target application information in the target application interface through relevant input operations.

[0068] It should be noted that, since each target application interface is customized, the target application form fed back by the target community system includes not only the target application information of the standard application fields, but also the information of other custom fields. In the subsequent approval process, only the target application information is required. The property platform locates the standard application fields from the target application form based on the target configuration file, and then only obtains the corresponding target application information. The information of other custom fields is not used for subsequent applications, but can be used to generate relevant application records. For example, the standard application fields include applicant identity, applicant qualifications, loan amount and loan term, etc., and the custom fields include the borrower's introducer and the owner's address, etc. The target application information only includes the information corresponding to the standard application fields, and the information corresponding to the custom fields is not used for subsequent approval, but is saved as an application record in the target container.

[0069] It should be noted that the target approval rules can be set according to actual needs. For example, a comprehensive score can be calculated based on information such as the borrower's qualifications, loan amount and loan term, and whether the application is approved can be determined based on the comprehensive score. A set of approval conditions can also be preset for each target application information. Approval is determined to be passed only after all target application information meets their respective condition sets. For example, if the borrower's credit score reaches X, the loan amount is less than Y, and the loan term is less than Z, approval is determined only after all three conditions are met, where X, Y and Z are all positive numbers.

[0070] It is worth noting that the target approval rules can be approval rules shared by each candidate community system, or exclusive target approval rules can be set for each candidate property community, saved in the corresponding associated container, and read synchronously when obtaining the target configuration file.

[0071] It should be noted that this embodiment is applied to the deposit borrowing scenario. The deposit is the funds belonging to the property. Therefore, after the property platform completes the approval, it is not necessary for the financial system and the bank system to approve whether it can be borrowed. Instead, it is only necessary to make the cashier and payment of the relevant funds. Therefore, after obtaining the first approval result, this embodiment sends a financial approval form to the financial system through the property platform to request the cashier to withdraw the funds, and sends a bank approval form to the bank system to request the payment of the funds. At this time, it has been determined that the approval is completed, so the application completion information can be fed back to the target community system to prompt the applicant that the application has been approved.

[0072] Through the technical solution of this embodiment, the property platform can use common container technology to build multiple associated containers, so that each candidate community system can customize the application interface according to its own needs on the property platform, thereby building a unique associated configuration file. The property platform matches the target container according to the target domain name of the target community system, and builds a target application interface from the target configuration file recorded in the target container, so that the target community system can fill in the target application information based on the customized target application interface, thereby improving the flexibility of fund application.

[0073] In addition, in one embodiment, referring to Figure 3 , in execution Figure 1 Before step S10, the steps include but are not limited to the following steps:

[0074] S11, obtaining a configuration request initiated by the system of the cell to be configured;

[0075] S12, when the configuration request is sent for the first time, the current domain name of the cell system to be configured is determined as the corresponding cell domain name, an associated container of the cell domain name is constructed, and a preset default configuration file is determined as the associated configuration file, wherein the default configuration file records a standard application field;

[0076] S13, when the configuration request is not sent for the first time, determining the container to be configured based on the cell domain name of the cell system to be configured, and obtaining the associated configuration file of the container to be configured;

[0077] S14, constructing a to-be-configured application interface based on the associated configuration file, pushing the to-be-configured application interface to the to-be-configured cell system, and collecting configuration operation information of the to-be-configured cell system on the to-be-configured application interface;

[0078] S15, modifying the associated configuration file based on the configuration operation information, and updating the modified associated configuration file to the associated container.

[0079] It should be noted that, according to the description of the above embodiment, the property platform configures an independent associated container for each candidate cell system. Therefore, before use, each candidate cell system needs to log in to the property platform for relevant configuration. This embodiment determines the candidate cell system that initiates the configuration request as the cell system to be configured.

[0080] For example, when a property management personnel logs in to the property platform for the first time in the property management APP, the property platform detects that there is no corresponding record for the community domain name, records the community domain name and builds a new associated container; of course, after completing the setting of the associated configuration file, the associated configuration file can also be updated according to actual needs. At this time, the small area name that initiates the configuration request is recorded in the property platform, and the corresponding associated container can be identified, from which the associated configuration file is read for secondary configuration.

[0081] It should be noted that after obtaining the associated configuration file, an application interface for configuration is constructed on the property platform, and the application interface for configuration is pushed to the system of the community to be configured for display. The system of the community to be configured collects the configuration operation information of the operator on the application interface for configuration, and uploads the configuration operation information to the property platform. The property platform determines the content of each update step based on the configuration operation information, and updates the corresponding content in the associated configuration file. The whole process does not involve the sending of the associated configuration file, but only requires the collection of operation information, which reduces the amount of data transmission and the rendering pressure of the community system to be configured, and improves configuration efficiency.

[0082] In addition, in one embodiment, referring to Figure 3 After executing step S11, the following steps are also included but not limited to:

[0083] S111, determining a target configuration end by parsing a configuration request, wherein the target configuration end is a management end or a user end;

[0084] S112, when the target configuration end is a management end, configure a first container of the cell domain name;

[0085] S113, when the target configuration end is a user end, configure a second container of the cell domain name;

[0086] S114: Determine the first container and the second container as associated containers of the cell domain name, wherein the associated files of the first container and the second container are not shared with each other.

[0087] It should be noted that the candidate cell system can be used by property management personnel and owners. For example, property management personnel can apply for a deposit for capital turnover of property management, and owners can apply for a deposit for personal needs. The content that property management personnel and owners need to fill in when applying may be different. For example, property management personnel apply based on property management needs, so the standard application fields may not include qualification-related fields, while the owner's personal application requires qualification-related standard application fields. In this embodiment, two containers are set for each candidate cell system. The first container is used to maintain the associated configuration file of the management end, and the second container is used to maintain the associated configuration file of the user end. The candidate cell system carries the account of the applicant when initiating a trigger request. The property platform determines whether the target configuration end is the management end or the user end based on the account, thereby matching the first container or the second container in combination with the cell domain name.

[0088] It is worth noting that although the present embodiment associates two containers with the same cell domain name, the data of the first container and the second container are still isolated from each other, except that the corresponding target configuration end is added to the matching conditions of the first container and the second container.

[0089] In addition, in one embodiment, the standard application fields include a qualification field and a payment field, see Figure 3 , Figure 1 The step S40 shown in the figure further includes but is not limited to the following steps:

[0090] S41, obtaining target qualification information indicated by the qualification field, and obtaining target payment information indicated by the payment field;

[0091] S42, determining a target credit score based on the target qualification information, and determining a target loan amount and a target loan term based on the target amount information;

[0092] S43, generating a first approval result based on the target credit score, the target loan amount and the target loan term.

[0093] It should be noted that the standard application fields include qualification fields and payment fields. The qualification fields and payment fields are used to generate corresponding input fields on the target application interface, and the information entered in the input fields is used as the corresponding target application information. For example, the "borrower qualification" input field is generated on the target application interface based on the qualification field. The owner can enter text information related to the qualification in the input field, such as employment information and income information, and the information obtained in the input field is used as the target qualification information. Similarly, the payment field can include multiple input fields such as loan amount, loan term, and loan purpose, and the information in each input field is determined as the target payment information, etc. For example, the target payment information obtained by summarizing is "amount X, loan term Y, personal purpose".

[0094] It should be noted that the target qualification information can represent the repayment ability of the borrower, so the target credit score can be preliminarily evaluated based on this. This embodiment does not limit the calculation of the target credit score. The higher the target credit score, the better the target qualification information represented. The target loan amount and target loan term can be directly obtained from the target amount information, and will not be repeated here.

[0095] It should be noted that after obtaining the target credit score, target loan amount and target loan term, relevant weight values ​​can be set for each information, and the approval score can be calculated based on the weight values. Multiple score ranges can be set, and the first approval result is determined according to the range to which the approval score belongs. For example, the highest score range is used to indicate that the approval is directly passed, the second highest score range requires further manual review, and the lowest score range indicates that the approval is not passed.

[0096] In addition, in one embodiment, referring to Figure 3 , Figure 1 The step S40 shown in the figure further includes but is not limited to the following steps:

[0097] S44, obtaining a preset financial form template, wherein the financial form template includes a standard application field and an account field;

[0098] S45, obtaining target account information pre-associated with the target container, generating a financial approval form based on the target application information, the target account information and the financial form template, and sending the financial approval form to the financial system;

[0099] S46, when the second approval result fed back by the financial system is obtained, and the second approval result is used to indicate approval, a preset bank form template is obtained, wherein the bank form template includes a standard application field and an account field;

[0100] S47, generating a bank approval form based on the target application information, target account information and bank form template, sending the bank approval form to the bank system, and obtaining the third approval result fed back by the bank system, wherein the third approval result is used to indicate whether to release the loan and the time node of the arrival of the loan.

[0101] It should be noted that the content corresponding to the standard application fields is the information required for subsequent approval. Therefore, when the standard application fields are predetermined, the financial form template can directly apply all the standard application fields to ensure that the financial approval form records the relevant information of the borrower, such as the target qualification information and target amount information mentioned above.

[0102] It should be noted that, in addition to the above-mentioned target application information, this embodiment also adds an account field in the financial form template to indicate the borrower's account and the lender's account. For example, owner A applies to community A to lend a deposit, the borrower's account is owner A's account, and the lender's account is community A's account. The financial system can determine the payment based on the relevant account information recorded in the financial approval form.

[0103] It should be noted that for the property system, the candidate community system and the financial system are internal systems, and the bank system is an external system. Therefore, before sending the bank approval form to the external bank system, it is necessary to obtain the second approval result first. The second approval result is used to indicate that the financial approval form is approved and then further approval is initiated to the bank system. The bank form template can refer to the description of the financial approval template above, which will not be repeated here.

[0104] It should be noted that the third approval result fed back by the bank system is used to indicate whether the loan will be issued and the time node of the arrival of the funds. For example, if the account information is correct, the loan can be issued and the time node of the arrival of the funds is indicated, ensuring that the borrower can know the result of the automatic approval and improving the user experience.

[0105] In addition, in one embodiment, referring to Figure 3 , Figure 1 The step S40 shown in the figure further includes but is not limited to the following steps:

[0106] S48, constructing a target feedback interface based on the target configuration file, wherein the target feedback interface includes a standard application field and a result field;

[0107] S49, writing the target application information into the standard application field of the target feedback interface;

[0108] S410, generating application completion information based on the first approval result, the second approval result and the third approval result, and writing the application completion information into the result field;

[0109] S411, push the target feedback interface to the target cell system.

[0110] It should be noted that, according to the description of the above embodiment, the target configuration file is used to indicate the target cell system's customized requirements for the display interface. Therefore, after the approval is completed, the display of the application completion information can also be displayed based on the target configuration file. This embodiment generates a target feedback interface based on the target configuration file, and displays standard application fields and result fields on the target feedback interface. The specific style can be customized according to actual needs. The target application interface and the target feedback interface can be customized through the target configuration file to improve the user experience.

[0111] It should be noted that both the target feedback interface and the target application interface have standard application fields, but the display styles are different. The target application interface requires applicants to fill in information in the standard application fields, so it is displayed in the form of an input box, while the target feedback interface is directly displayed in the style of displaying information, so that applicants can determine the relevant target application information on the target feedback interface.

[0112] It should be noted that this embodiment automatically completes three approvals, so application completion information can be generated based on the first approval result, the second approval result and the third approval result, and the application completion information is written into the result field, and the application completion information is displayed on the target feedback interface, such as system approval passed, financial approval passed and bank approval passed, prompting the applicant that the approval has been completed; for example, system approval passed, financial approval passed and bank approval failed, prompting the applicant that an abnormality occurred during the bank system approval, and further confirming whether the information previously filled in is correct.

[0113] In addition, in one embodiment, referring to Figure 3 After executing step S411, the method further includes but is not limited to the following steps:

[0114] S51, generating a target application record based on the trigger request and the target application information,

[0115] S52, generating a target approval record based on the application completion information;

[0116] S53, saving the target application record and the target approval record to the target container.

[0117] It should be noted that if the target application record is generated only after the trigger request is obtained, it is easy to generate too many invalid records due to false triggering. Therefore, this embodiment also needs to further obtain the target application information before generating the target application record to reduce unnecessary data processing.

[0118] It should be noted that, based on the description of the above embodiment, the application completion information includes the approval information of each stage, so the target approval record can be generated based on the application completion information, including the first approval result, the second approval result and the third approval result.

[0119] It should be noted that after the target application record and the target approval record are generated, the corresponding records are saved in the target container to achieve isolated storage of data in different containers, which is convenient for subsequent related queries.

[0120] like Figure 4 As shown, Figure 4 1 is a structural diagram of a payment application device based on a property platform provided by an embodiment of the present invention. The present invention also provides a payment application device based on a property platform, including:

[0121] The processor 401 may be implemented by a general-purpose central processing unit (CPU), a microprocessor, an application-specific integrated circuit (ASIC), or one or more integrated circuits, and is used to execute relevant programs to implement the technical solutions provided in the embodiments of the present application;

[0122] The memory 402 can be implemented in the form of a read-only memory (ROM), a static storage device, a dynamic storage device, or a random access memory (RAM). The memory 402 can store an operating system and other application programs. When the technical solution provided in the embodiment of this specification is implemented by software or firmware, the relevant program code is stored in the memory 402, and the processor 401 calls and executes the payment application method based on the property platform in the embodiment of this application;

[0123] Input / output interface 403, used to implement information input and output;

[0124] Communication interface 404, used to realize communication interaction between the device and other devices, which can be realized through wired mode (such as USB, network cable, etc.) or wireless mode (such as mobile network, WI FI, Bluetooth, etc.);

[0125] A bus 404 that transmits information between various components of the device (e.g., processor 401, memory 402, input / output interface 403, and communication interface 404);

[0126] The processor 401 , the memory 402 , the input / output interface 403 and the communication interface 404 are connected to each other in communication within the device via the bus 405 .

[0127] An embodiment of the present application also provides an electronic device, including the device for applying for funds based on the property platform as described above.

[0128] An embodiment of the present application also provides a storage medium, which is a computer-readable storage medium. The storage medium stores a computer program, and when the computer program is executed by a processor, the above-mentioned method for applying for funds based on the property platform is implemented.

[0129] As a non-transient computer-readable storage medium, the memory can be used to store non-transient software programs and non-transient computer executable programs. In addition, the memory may include a high-speed random access memory, and may also include a non-transient memory, such as at least one disk storage device, a flash memory device, or other non-transient solid-state storage devices. In some embodiments, the memory may optionally include a memory remotely arranged relative to the processor, and these remote memories may be connected to the processor via a network. Examples of the above-mentioned networks include, but are not limited to, the Internet, an intranet, a local area network, a mobile communication network, and a combination thereof. The device embodiments described above are merely schematic, wherein the units described as separate components may or may not be physically separated, and are implemented to be located in one place, or may also be distributed to multiple network units. Some or all of the modules may be selected according to actual needs to achieve the purpose of the present embodiment.

[0130] It will be appreciated by those skilled in the art that all or some of the steps and systems in the disclosed method above may be implemented as software, firmware, hardware and appropriate combinations thereof. Some physical components or all physical components may be implemented as software executed by a processor, such as a central processing unit, a digital signal processor or a microprocessor, or may be implemented as hardware, or may be implemented as an integrated circuit, such as an application specific integrated circuit. Such software may be distributed on a computer-readable medium, which may include a computer storage medium (or a non-transitory medium) and a communication medium (or a temporary medium). As known to those skilled in the art, the term computer storage medium includes volatile and non-volatile, removable and non-removable media implemented in any method or technology for storing information (such as computer-readable instructions, data structures, program modules or other data). Computer storage media include, but are not limited to, RAM, ROM, EEPROM, flash memory or other memory technologies, CD-ROM, digital versatile disks (DVD) or other optical disk storage, magnetic cassettes, magnetic tapes, disk storage or other magnetic storage devices, or any other medium that may be used to store desired information and may be accessed by a computer. Furthermore, it is well known to those skilled in the art that communication media typically include computer readable instructions, data structures, program modules, or other data in a modulated data signal such as a carrier wave or other transport mechanism, and may include any information delivery media.

[0131] The above is a specific description of the preferred implementation of the present invention, but the present invention is not limited to the above-mentioned implementation mode. Technical personnel familiar with the field can also make various equivalent deformations or substitutions under the shared conditions without violating the spirit of the present invention. These equivalent deformations or substitutions are all included in the scope defined by the claims of the present invention.

Claims

1. A method for applying for funds based on a property platform, characterized in that: Applied to a property platform, the property platform is connected to a financial system, a banking system and a plurality of candidate cell systems in communication, the method comprising: Obtain a trigger request sent by any target cell system, and determine a corresponding target container based on a target domain name of the target cell system, wherein each cell domain name of the candidate cell system is pre-associated with an associated container, each associated container is pre-configured with an associated configuration file, and the associated configuration file is used to indicate a configuration style; Obtaining preset standard application fields, generating a target application interface based on the standard application fields and a target configuration file of the target container, and pushing the target application interface to the target cell system; When the target application form fed back by the target cell system based on the target application interface is obtained, the target application information of each of the standard application fields is obtained from the target application form based on the target configuration file; A first approval result is generated based on the target application information and preset target approval rules. When the first approval result is used to indicate that the approval is passed, a financial approval form and a bank approval form are generated based on the target application information, the financial approval form is sent to the financial system, the bank approval form is sent to the bank system, and application completion information is fed back to the target cell system.

2. The method for applying for funds based on a property platform according to claim 1, characterized in that: Before obtaining the trigger request sent by any target cell system, the method further includes: Obtain a configuration request initiated by the cell system to be configured; When the configuration request is sent for the first time, the current domain name of the cell system to be configured is determined as the corresponding cell domain name, the associated container of the cell domain name is constructed, and a preset default configuration file is determined as the associated configuration file, wherein the default configuration file records the standard application field; Alternatively, when the configuration request is not sent for the first time, determining a container to be configured based on the cell domain name of the cell system to be configured, and acquiring the associated configuration file of the container to be configured; Building a to-be-configured application interface based on the associated configuration file, pushing the to-be-configured application interface to the to-be-configured cell system, and collecting configuration operation information of the to-be-configured cell system on the to-be-configured application interface; The association configuration file is modified based on the configuration operation information, and the modified association configuration file is updated to the association container.

3. The method for applying for funds based on a property platform according to claim 2, characterized in that: After obtaining the configuration request initiated by the system of the cell to be configured, the method further includes: Determine a target configuration end by parsing the configuration request, wherein the target configuration end is a management end or a user end; When the target configuration end is the management end, configuring a first container of the cell domain name; Alternatively, when the target configuration end is the user end, configuring a second container of the cell domain name; The first container and the second container are determined as the associated containers of the cell domain name, wherein the associated configuration files of the first container and the second container are not shared with each other.

4. The method for applying for funds based on a property platform according to claim 1, characterized in that: The standard application fields include a qualification field and a payment field, and the generating of a first approval result based on the target application information and a preset target approval rule includes: Obtain target qualification information indicated by the qualification field, and obtain target payment information indicated by the payment field; Determine a target credit score based on the target qualification information, and determine a target loan amount and a target loan term based on the target amount information; The first approval result is generated based on the target credit score, the target loan amount and the target loan term.

5. The method for applying for funds based on a property platform according to claim 1, characterized in that: The generating of a financial approval form and a bank approval form based on the target application information includes: Obtaining a preset financial form template, wherein the financial form template includes the standard application field and the account field; Acquire target account information pre-associated with the target container, generate the financial approval form based on the target application information, the target account information and the financial form template, and send the financial approval form to the financial system; When the second approval result fed back by the financial system is obtained, and the second approval result is used to indicate approval, a preset bank form template is obtained, wherein the bank form template includes the standard application field and the account field; The bank approval form is generated based on the target application information, the target account information and the bank form template, and the bank approval form is sent to the bank system to obtain a third approval result fed back by the bank system, wherein the third approval result is used to indicate whether to release the loan and the time node of the arrival of the loan.

6. The method for applying for funds based on a property platform according to claim 5, characterized in that: The feeding back application completion information to the target cell system includes: Building a target feedback interface based on the target configuration file, wherein the target feedback interface includes the standard application field and the result field; Writing the target application information into the standard application field of the target feedback interface; Generate the application completion information based on the first approval result, the second approval result and the third approval result, and write the application completion information into the result field; The target feedback interface is pushed to the target cell system.

7. The method for applying for funds based on a property platform according to claim 6, characterized in that: After pushing the target feedback interface to the target cell system, the method further includes: generating a target application record based on the trigger request and the target application information, generating a target approval record based on the application completion information; The target application record and the target approval record are saved in the target container.

8. A payment application device based on a property platform, characterized in that: It includes at least one control processor and a memory for communicating with the at least one control processor; the memory stores instructions that can be executed by the at least one control processor, and the instructions are executed by the at least one control processor to enable the at least one control processor to execute the property platform-based payment application method as described in any one of claims 1 to 7.

9. An electronic device, characterized in that: Including the payment application device based on the property platform as described in claim 8.

10. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores computer-executable instructions, and the computer-executable instructions are used to enable a computer to execute the payment application method based on the property platform as described in any one of claims 1 to 7.

Images