Data credential generation system, method and device, storage medium and product

Abstract

The invention discloses a data voucher generation system, method and device, a storage medium and a product, and relates to the technical field of data automation, the data voucher generation system comprises a risk control system used for obtaining multiple pieces of preset user information, determining the credit rating of the user information, screening out the user information with the credit rating greater than a preset threshold, and adding the user information into a business white list; the branch settlement system is used for confirming whether an account is matched with a white list or not when the user account needing to generate the data certificate is detected, and if the account is matched with the white list and meets data certificate generation conditions (including passing of electronic document verification, passing of risk control information pre-verification and passing of filling information basic element verification), generating the data certificate; if yes, determining corresponding issuing application data and sending the data to a credit system; the credit system is used for receiving and generating credit contract data and sending the credit contract data to the document center settlement system; and the document center settlement system is used for generating a corresponding data voucher according to the credit contract data and outputting the data voucher. According to the invention, the data credential generation efficiency is improved.

Description

Technical Field

[0001] The present application relates to the field of data automation technology, and in particular to a data credential generation system, method, device and storage medium. Background Art

[0002] At present, the data voucher generation for data voucher opening business (such as letter of credit opening business) is completed through traditional manual processing and paper document management system. At present, after receiving the customer's data voucher generation application (such as letter of credit opening application), the data processing agency must wait for the relevant department to prepare the credit contract and modify the credit contract data to be complete before submitting it for handling and review. This process often takes several days, making the entire processing process very lengthy. In addition, data voucher opening institutions (such as banks) are also affected by this problem. It takes a long time to obtain the credit contract data and then obtain the formal data voucher based on the credit contract data. In general, from the user submitting the data voucher opening application to the preparation of the credit contract, and then obtaining the formal data voucher based on the credit contract data, this data voucher generation process requires offline coordination among multiple departments and multiple manual processing, which takes a long time. Therefore, a more efficient data voucher generation system is urgently needed.

[0003] The above contents are only used to assist in understanding the technical solution of the present application and do not constitute an admission that the above contents are prior art. Summary of the invention

[0004] The main purpose of this application is to provide a data credential generation system, method, device and storage medium, aiming to solve the technical problem of low efficiency in data credential generation.

[0005] To achieve the above objectives, the present application proposes a data voucher generation system, which includes:

[0006] The risk control system is used to obtain preset multiple user information, determine the credit ratings corresponding to the multiple user information, filter out user information corresponding to a credit rating greater than a preset credit rating threshold from the multiple user information, and add the filtered user information to a preset business whitelist;

[0007] The branch settlement system is used to detect whether the user account matches the business whitelist if there is a user account that needs to generate data vouchers. If the user account matches the business whitelist, when the user account meets the preset data voucher generation conditions, determine the letter of credit application data corresponding to the user account, and send the letter of credit application data to the credit system, where the preset data voucher generation conditions include electronic document verification, risk control information pre-verification, and basic elements of form filling information verification;

[0008] The credit system is used to receive and determine the credit contract data corresponding to the letter of credit application data, and send the credit contract data to the document center settlement system;

[0009] The document center settlement system is used to generate a data voucher corresponding to the actual user information of the user account based on the credit contract data, and output the data voucher.

[0010] In one embodiment, the data voucher generation system further includes a user terminal,

[0011] The user end is used to determine the actual user information of the user account, and to perform electronic document verification on the actual user information to obtain the electronic document verification result, and to send the electronic document verification result to the branch settlement system, where the electronic document verification includes detecting whether there is information on signing the electronic document agreement in the actual user information;

[0012] The branch settlement system is used to receive the electronic document verification result, and when it is determined that the electronic document verification result includes the information of signing the electronic document agreement in the actual user information, determine that the electronic document verification result is the electronic document verification passed.

[0013] In one embodiment, the risk control system is further used to perform risk control information pre-verification on the actual user information of the user account, obtain the risk control information pre-verification result, and send the risk control information pre-verification result to the branch settlement system, wherein the risk control information pre-verification includes detecting whether the user activity status in the actual user information is within a preset normal range, and whether the user credit status is greater than a preset credit status threshold;

[0014] The branch settlement system is used to receive the risk control information pre-verification result, and when it is determined that the user activity status is within a preset normal range and the user credit status is greater than a preset credit status threshold, determine that the risk control information pre-verification result is that the risk control information pre-verification has passed.

[0015] In one embodiment, the user end is further used to receive the form filling information input by the user, perform basic element verification on the form filling information, and obtain a basic element verification result of the form filling information. When the basic element verification result of the form filling information is that the basic element verification of the form filling information has passed, a letter of credit application instruction is constructed and output to the branch settlement system based on the form filling information, wherein when it is detected that the credit investigation authorization letter signature information exists in the form filling information, it is determined that the basic element verification of the form filling information has passed.

[0016] In one embodiment, the branch settlement system is further used to receive a letter of credit application instruction, obtain a preset application template, and perform information supplementation and verification on the application information corresponding to the letter of credit application instruction according to the application template to obtain letter of credit application data, and perform key information verification on the letter of credit application data, and output the letter of credit application data to the credit system when the key information verification passes, wherein when the time limit information in the letter of credit application data matches the preset time limit value, it is determined that the key information verification passes;

[0017] In one embodiment, the risk control system is used to recheck the risk control information on the actual user information, obtain the risk control information recheck result, and send the risk control information recheck result to the credit system, wherein the risk control information recheck includes rechecking whether the user activity status in the actual user information is within a preset normal range and whether the user credit status is greater than a preset credit status threshold;

[0018] The credit system is used to receive the risk control information re-verification result, and when it is determined that the user activity status is within a preset normal range and the user credit status is greater than a preset credit status threshold, the risk control information re-verification result is determined to be the risk control information re-verification passed, and the credit contract data is output to the document center settlement system.

[0019] In addition, to achieve the above purpose, the present application also proposes a data voucher generation method, which is applied to the above data voucher generation system and includes the following steps:

[0020] Acquire preset multiple user information, determine the credit ratings corresponding to the multiple user information, filter out user information corresponding to a credit rating greater than a preset credit rating threshold from the multiple user information, and add the filtered user information to a preset business whitelist;

[0021] If there is a user account that needs to generate data vouchers, check whether the user account matches the business whitelist. If the user account matches the business whitelist, when the user account meets the preset data voucher generation conditions, determine the letter of credit application data corresponding to the user account, and send the letter of credit application data to the credit system. The preset data voucher generation conditions include electronic document verification, risk control information pre-verification, and basic elements of form filling information verification.

[0022] Receive and determine the credit contract data corresponding to the L / C application data, and send the credit contract data to the document center settlement system;

[0023] A data voucher corresponding to the actual user information of the user account is generated based on the credit contract data, and the data voucher is output.

[0024] In addition, to achieve the above-mentioned purpose, the present application also proposes a data credential processing device, which includes: a memory, a processor, and a computer program stored in the memory and executable on the processor, and the computer program is configured to implement the steps of the data credential generation method as described above.

[0025] In addition, to achieve the above-mentioned purpose, the present application also proposes a storage medium, which is a computer-readable storage medium. A computer program is stored on the storage medium. When the computer program is executed by a processor, the steps of the data credential generation method as described above are implemented.

[0026] In addition, to achieve the above-mentioned purpose, the present application also provides a product, which is a computer program product, including a computer program, which implements the steps of the data credential generation method as described above when the computer program is executed by a processor.

[0027] In this application, the data voucher is processed quickly by building a risk control system, a branch settlement system, a credit system and a document center settlement system. In the risk control system, potential users who handle data voucher business are screened by credit rating, and user information with a credit rating greater than a preset credit rating threshold is screened out, and the screened user information is added to the preset business whitelist. Screening potential users by credit rating and opening a fast channel for potential users can not only improve the user experience but also avoid manual application by users, thereby improving the efficiency of data voucher generation. When there is a user account that needs to generate data vouchers, the branch settlement system will detect whether the user account matches the business whitelist. When the user account matches the business whitelist, it is also necessary to determine whether the user account meets the preset data voucher generation conditions (including electronic document verification, risk control information pre-verification, and form filling information basic elements verification). When the user account meets the preset data voucher generation conditions, the letter of credit application data corresponding to the user account is determined, and the letter of credit application data is sent to the credit system. The credit system determines the credit contract data based on the letter of credit application data and automatically prepares the credit contract without waiting for the staff of the relevant department to manually prepare the credit contract. The credit system will also send the credit contract data to the document center settlement system. The document center settlement system generates a data voucher corresponding to the actual user information of the user account based on the credit contract data and outputs the data voucher. There is no need to manually submit the credit contract. The credit contract data is directly sent through the interaction between the credit system and the document center settlement system, which reduces manual participation and further improves the efficiency of data voucher generation. BRIEF DESCRIPTION OF THE DRAWINGS

[0028] The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the present application and, together with the description, serve to explain the principles of the present application.

[0029] In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings required for use in the embodiments or the description of the prior art will be briefly introduced below. Obviously, for ordinary technicians in this field, other drawings can be obtained based on these drawings without paying any creative labor.

[0030] Figure 1 A schematic diagram of the system framework module provided for the first embodiment of the data voucher generation system of this application;

[0031] Figure 2 A schematic diagram of the system framework module provided for the second embodiment of the data voucher generation system of this application;

[0032] Figure 3 This is a flowchart of the method for generating data vouchers for this application;

[0033] Figure 4 A schematic diagram of risk marketing prediction provided in the first embodiment of the present application;

[0034] Figure 5 A schematic diagram of adding a service whitelist provided in the first embodiment of the present application;

[0035] Figure 6 A schematic diagram of basic element verification provided in the second embodiment of the present application;

[0036] Figure 7 A brief flowchart provided for the second embodiment of the present application;

[0037] Figure 8 A supplementary verification diagram provided for the third embodiment of the present application;

[0038] Fig. 9 A schematic diagram of key information verification provided in the third embodiment of the present application;

[0039] Fig.10 A schematic diagram of formal verification of risk control information provided in the fourth embodiment of the present application;

[0040] Fig.11 A schematic diagram of automatically displaying data provided in the fourth embodiment of the present application;

[0041] Fig.12 Generate a system interaction diagram for traditional data credentials;

[0042] Fig.13 This is a schematic diagram of the interaction of the data voucher generation system for this application;

[0043] Fig.14 Schematic diagram of the device structure of the hardware operating environment involved in the data voucher generation method in the embodiment of the present application.

[0044] The purpose, features and advantages of this application will be further described in conjunction with the embodiments and with reference to the accompanying drawings. DETAILED DESCRIPTION

[0045] It should be understood that the specific embodiments described herein are only used to explain the technical solutions of the present application and are not used to limit the present application.

[0046] In order to better understand the technical solution of the present application, a detailed description will be given below in conjunction with the accompanying drawings and specific implementation methods.

[0047] In this embodiment, for ease of description, the identification data voucher generation system is used as the execution entity for explanation below.

[0048] At present, the data voucher processing for data voucher opening business data (such as letter of credit opening business) is completed through traditional manual processing and paper document management system. In the prior art, after receiving the customer's data voucher generation application (such as letter of credit opening application), the data processing agency must wait for the relevant department to prepare the credit contract and modify the contract information to complete it before submitting it for handling and review. This process often takes several days, making the entire processing flow very lengthy. In addition, data voucher opening institutions (such as banks) are also affected by this problem. It takes a long time to prepare the credit contract and obtain the formal data voucher based on the credit contract. In general, from the user submitting the data voucher opening application to the preparation of the credit contract, and then obtaining the formal data voucher based on the credit contract data, this data voucher generation process requires offline coordination among multiple departments and multiple manual processing, which takes a long time. Therefore, a more efficient data voucher generation system is urgently needed.

[0049] The present application provides a data voucher generation system, which includes a risk control system, a user terminal, a branch settlement system, a credit system, and a document center settlement system. The risk control system is used to screen user information corresponding to a credit rating greater than a preset credit rating threshold according to the user's credit rating, and add the screened user information to a preset business whitelist, thereby screening out potential users with the ability to quickly handle data voucher opening services, avoiding unnecessary approval and processing for users who do not meet the conditions. The risk control system can also be used to subsequently verify the risk control information of users who handle data voucher opening services to ensure that the user's activity status and credit rating meet the qualifications for quickly handling data voucher opening services. The user terminal is used to perform electronic document verification on whether there is information on the signing of an electronic document agreement in the actual user information, receive the user's form filling information, verify whether the basic elements of the form filling information match the preset values, and construct the form filling information into a letter of credit application and send it to the branch settlement system. The branch settlement system receives the letter of credit application and supplements and verifies the application information of the letter of credit application, obtains the letter of credit application data, verifies the key information in the letter of credit application data, and sends the letter of credit application to the credit system and the document center settlement system after the letter of credit application passes the verification. The key information verification includes verifying whether the time limit information in the letter of credit application data is the preset time limit value. The credit system is used to prepare a credit contract based on the letter of credit application data after the key information verification is completed, and send the credit contract data to the document center settlement system. The document center settlement system is used to receive the credit contract data to generate a data voucher and output the data voucher to the user end.

[0050] This application builds a process for quickly handling data voucher opening business by linking various systems in the data voucher generation system. Users handle data voucher opening business in the data voucher generation system, and each system performs a series of smooth processing based on the form filling information and user information entered by the user, reducing the time cost of manual processing, optimizing the data voucher generation process, and improving the efficiency of data voucher processing.

[0051] Based on this, the present application embodiment provides a data voucher generation system, referring to Figure 1 , the data voucher generation system includes:

[0052] The risk control system 10 is used to obtain a plurality of preset user information, determine the credit ratings corresponding to the plurality of user information, filter out user information corresponding to a credit rating greater than a preset credit rating threshold from the plurality of user information, and add the filtered user information to a preset business whitelist;

[0053] It should be noted that user information refers to information such as user name, user location and user activity status. The preset multiple user information is stored in the user information database, and the risk control system 10 obtains these user information by accessing the database. Credit rating is an indicator set in the data voucher generation system to measure the user's credit status. Determining the credit rating corresponding to multiple user information refers to querying the credit rating corresponding to the user information through the basic information and credit code in the user information. The preset credit rating threshold refers to a minimum credit standard set by the data voucher generation system according to risk control rules and business needs. This standard is used to screen out user information that meets the conditions for quickly handling data voucher opening business. Specifically, the credit rating threshold can be calculated based on multiple factors such as the user's credit history, repayment ability, financial risk assessment, etc. Only users with a credit rating higher than or equal to the threshold can be regarded as low-risk users, and then added to the preset business whitelist, so as to enjoy a more efficient data voucher processing process.

[0054] In addition, it should be noted that the preset business whitelist refers to a set of users who meet specific conditions and are pre-set and maintained by the head office system of the data voucher generation system. Users in the business whitelist have undergone strict credit screening and risk assessment, and have a high credit rating or stable repayment ability, and are therefore considered low-risk users. The risk control system 10 adds the screened user information to the business whitelist, and users corresponding to the user information added to the whitelist can enjoy faster business processing channels, such as faster approval processes, priority processing services, etc. The head office system is also a system in the data voucher generation system, which is used to maintain the business whitelist and retain data voucher generation records.

[0055] In a feasible implementation, when determining whether a user meets the conditions for the fast-track processing channel, the data voucher generation system will first obtain the user's basic information and credit code from the user information database, and use the risk control system of the data voucher generation system to evaluate the user's credit rating based on the basic information and credit code. When the user's credit rating is higher than the preset credit rating threshold, the risk control system sends the user information to the head office system, which adds the user information to the business whitelist, and the head office system sends the maintained business whitelist to the branch settlement system 20.

[0056] For example, in combination Figure 4A bank wants to initiate a marketing pre-judgment for product A in the letter of credit opening business. First, on a certain page of the bank's corporate online banking, enter the customer number or customer name to query the customer's customer information, and click OK to query. Then, through the risk control system of the data voucher generation system, the customer's credit status is queried based on the customer information. Based on the queried credit status, the customer's credit rating is rated. For example, if the customer has no abnormal business conditions or administrative penalties, the credit rating is rated as excellent. The minimum requirement for the customer's credit rating for the letter of credit lightning opening business is a good credit rating. Customers with a credit rating higher than or equal to a good credit rating are screened out. For eligible customers, the risk control system sends their information to the bank's head office system. The staff of the bank's head office system adds the customer information to the business whitelist. New whitelist information such as Figure 5 As shown, you need to add the applicable institution, institution name, customer number, customer name and other information. The customer information in the business whitelist identifies these customers as potential customers who are qualified to handle product A. Next, the data voucher generation system can perform more efficient business processing for these whitelisted customers, provide faster service channels and simplified approval processes, and further improve business processing efficiency and customer experience.

[0057] The branch settlement system 20 is used to detect whether the user account matches the business whitelist if there is a user account that needs to generate data vouchers. If the user account matches the business whitelist, when the user account meets the preset data voucher generation conditions, determine the credit application data corresponding to the user account, and send the credit application data to the credit system 30, wherein the preset data voucher generation conditions include electronic document verification, risk control information pre-verification, and basic element verification of the filled-in information;

[0058] It should be noted that the application data for opening a certificate refers to the data formed by the form filling information, including the time limit of the data voucher, the type of data voucher period, etc. The user account refers to an identifier of a user in the data voucher generation system, which refers to a certain user. The user account that needs to generate a data voucher refers to the user account of the user who handles the data voucher opening business. These users may be individuals or enterprises among bank customers. The electronic document verification is to verify whether the actual user information corresponding to the user account is signed by the electronic document agreement, the risk control information verification is to verify the user's activity status, and the basic element verification of the form filling information is to verify the data voucher application information filled in by the user when handling the data voucher generation business. After these users submit the data voucher generation application, the branch settlement system 20 will determine whether the user meets the qualifications for the rapid opening of data vouchers in the data voucher generation system according to the business whitelist. The user account is checked for the business whitelist, and the user account is matched with the user information in the business whitelist. If there is user information corresponding to the user account, the data voucher generation application corresponding to this user account will be quickly processed.

[0059] In addition, in the preset data voucher generation conditions, the electronic document verification is a prerequisite. For the data voucher generation application that is processed quickly, the user does not need to submit business information offline. The relevant application and verification process are processed online by the data voucher generation system. At the same time, since there is no need for the user to submit information offline, no offline manual review is required, etc. In addition, even if the user's credit rating is screened, there is still a certain risk. Therefore, in this system, a risk control system 10 is also set up to further verify the user's risk control information.

[0060] The credit system 30 is used to receive and determine the credit contract data corresponding to the credit application data, and send the credit contract data to the document center settlement system 40;

[0061] The document center settlement system 40 is used to generate a data voucher corresponding to the actual user information of the user account based on the credit contract data, and output the data voucher.

[0062] The credit system 30 receives the application data for letter of credit, and creates a credit contract based on the application data for letter of credit, and sends the credit contract data to the document center settlement system 40. After receiving the credit contract data, the document center settlement system 40 starts the process of generating data vouchers. The document center settlement system 40 also receives the application data for letter of credit sent by the branch settlement system 30 after the handling and review, and generates data vouchers based on the application data for letter of credit and the contract data after the handling and review. When generating data vouchers, it is necessary to check the business elements and calculate the data based on the application data for letter of credit and the contract data after the handling and review, and finally create and output the data vouchers.

[0063] It should be noted that the credit contract data is a kind of text data. The credit contract data is obtained from the letter of credit application data. Therefore, the content of the credit contract data is similar to that of the letter of credit application data. The actual user information is the user information of the user who is currently applying the data voucher production system to handle the data voucher issuance business. The data voucher is an electronic version of the data voucher. The prerequisite for generating the electronic version of the data voucher here is that the electronic document verification is passed. After the data voucher is generated, the document center settlement system 40 outputs the data voucher. Business element verification is to check the information in the data voucher based on the letter of credit application data, contract data and other relevant data. Data calculation is to calculate according to the data specified in the data voucher, for example, to calculate the amount and interest of the letter of credit.

[0064] In this application, the data voucher is quickly processed by constructing a risk control system 10, a branch settlement system 20, a credit system 30 and a document center settlement system 40. In the risk control system, potential users who handle data voucher business are screened by credit rating, and user information with a credit rating greater than a preset credit rating threshold is screened out, and the screened user information is added to a preset business whitelist. Screening potential users by credit rating and opening a fast channel for potential users can not only improve the user experience but also avoid manual application by users, thereby improving the efficiency of data voucher generation. When there is a user account that needs to generate data vouchers, the branch settlement system 20 will detect whether the user account matches the business whitelist. When the user account matches the business whitelist, it is also necessary to determine whether the user account meets the preset data voucher generation conditions. When the user account meets the preset data voucher generation conditions, the letter of credit application data corresponding to the user account is determined, and the letter of credit application data is sent to the credit system 30. The credit system 30 determines the credit contract data based on the letter of credit application data, and automatically prepares the credit contract without waiting for the staff of the relevant department to manually prepare the credit contract. The credit system will also send the credit contract data to the document center settlement system 40. The document center settlement system 40 generates a data voucher corresponding to the actual user information of the user account based on the credit contract data, and outputs the data voucher. There is no need to manually submit the credit contract. The credit contract data is directly sent through the interaction between the credit system 30 and the document center settlement system 40, which reduces manual participation and further improves the efficiency of data voucher generation.

[0065] Based on the first embodiment of the present application, in the second embodiment of the present application, the same or similar contents as those of the first embodiment can be referred to the above introduction, and will not be described in detail later. Figure 2 In this embodiment, the data voucher generation system further includes a user terminal 50,

[0066] The user terminal 50 is used to determine the actual user information of the user account, and perform electronic document verification on the actual user information to obtain the electronic document verification result, and send the electronic document verification result to the branch settlement system 20, wherein the electronic document verification includes detecting whether there is information of signing the electronic document agreement in the actual user information;

[0067] The branch settlement system 20 is used to receive the electronic document verification result, and when it is determined that the electronic document verification result includes the existence of the electronic document agreement signing information in the actual user information, determine that the electronic document verification result is the electronic document verification passed.

[0068] It should be noted that electronic documents refer to the electronic version of data vouchers, which are electronic vouchers related to the user's trade or financial activities, such as electronic bills of lading, electronic invoices, electronic letters of credit, etc. The electronic document agreement refers to the agreement signed between the user and the financial institution or trading partner on the use of electronic documents, which stipulates the rules for the generation, transmission, use and authentication of electronic documents. The signing of the electronic document agreement is a prerequisite for the application of the data voucher generation system to generate data vouchers. The purpose of electronic document verification is to ensure that the user is aware that the data voucher is in electronic form when handling the data voucher opening business, and that the content of the electronic document and the use of the electronic document must comply with the corresponding legal and business requirements, thereby ensuring the security and legality of the transaction. When the actual user information contains information on the signing of the electronic document agreement, the electronic document verification result passes.

[0069] For example, when applying for product A through a bank's online client, it is necessary to sign an international business electronic document agreement. The bank's international business electronic document agreement applies to product A and / or product B. When user A clicks to apply, the agreement is signed. Only after clicking to apply can user A apply for product A and / or product B. User A can also view the applied international business electronic document agreement.

[0070] In a feasible implementation manner, the risk control system 10 is also used to perform risk control information pre-verification on the actual user information of the user account, obtain the risk control information pre-verification result, and send the risk control information pre-verification result to the branch settlement system 20, wherein the risk control information pre-verification includes detecting whether the user activity status in the actual user information is within a preset normal range, and whether the user credit status is greater than a preset credit status threshold; the branch settlement system 20 is used to receive the risk control information pre-verification result, and when it is determined that the risk control information pre-verification result is that the user activity status is within a preset normal range and the user credit status is greater than the preset credit status threshold, determine that the risk control information pre-verification result is that the risk control information pre-verification has passed.

[0071] It should be noted that the user activity status refers to the business status of the enterprise, including the financial health, operational efficiency, and whether there are abnormal activities of the enterprise. The preset normal range refers to the fact that the business status of the enterprise needs to be at a sustainable development level according to the set standards of the risk control system 10, such as the asset-liability ratio, etc., which must meet specific indicators; the user credit status refers to the credit rating of the enterprise, and the preset credit status threshold refers to whether the credit rating of the enterprise reaches a good or higher level. The pre-verification of risk control information also includes the verification of the business status and business scale of the enterprise's customers, judging whether its main partners or customers are in a good business state, so as to evaluate the stability and risk level of the enterprise's future business.

[0072] Exemplarily, the risk control system 10 will conduct a detailed analysis of the business data, historical credit records, and business performance of major partners of the enterprise. Through a comprehensive assessment of the business conditions, financial conditions, and industry status of the enterprise and its major clients, the risk control system 10 can further determine the overall health and potential risks of the enterprise. If all indicators meet the preset standards, the risk control information pre-verification result is that the risk control information pre-verification has passed, and the risk control system 10 sends the risk control information pre-verification result to the branch settlement system 20 to receive the user account corresponding to the credit application data.

[0073] In this embodiment, the risk control system 10 performs risk control information pre-verification on actual user information, which can effectively identify and screen out users who meet the preset conditions, ensuring that only users with good user activity status can use the data voucher generation system to quickly handle data voucher opening services. In this way, not only the efficiency of data voucher generation is improved, but also potential financial risks are reduced, thereby providing higher security for data voucher opening business operations.

[0074] In another feasible implementation manner, the user terminal 50 is also used to receive the form filling information input by the user, perform basic element verification on the form filling information, and obtain the basic element verification result of the form filling information. When the basic element verification result of the form filling information is that the basic element verification of the form filling information has passed, a letter of credit application instruction is constructed and output to the branch settlement system 20 based on the form filling information, wherein when it is detected that the credit investigation authorization letter signature information exists in the form filling information, it is determined that the basic element verification of the form filling information has passed.

[0075] It should be noted that the form filling information refers to the information that needs to be filled in for the data voucher opening business, including the user background information required for the data voucher generation, the basic information required for the data voucher generation, etc. Basic elements refer to the key information in the form filling information, such as the credit authorization letter signing information, business period, etc. Basic element verification refers to the user terminal 50 querying in the business whitelist whether the user has signed the credit authorization letter and whether the filled-in business period value is equal to the actual business period value in the business whitelist. When the user's basic elements are verified, the user terminal 50 will output a prompt message to prompt the user that he has the qualifications to quickly handle the data voucher opening business. When the user terminal receives the letter of credit application submission operation, an instruction is generated and applied to the branch settlement system.

[0076] For example, in combination Figure 6 , user B applies for product A at a certain bank's client. When filling in the form information, the user terminal 50 will output a prompt for quick opening of the letter of credit, prompting user B: "If all the following conditions are met, this letter of credit opening process will enjoy the fastest channel." At the same time, the user terminal 50 will check with the business whitelist to verify whether the key information in the form information matches the corresponding information in the business whitelist, such as credit authorization, letter of credit amount, business term, payment term, full payment of the deposit, and no other collateral other than the deposit. When the verification is passed, the user terminal 50 constructs the letter of credit application based on the form information, and sends the letter of credit application instruction to the branch settlement system 20, and the user will quickly apply for product A.

[0077] In this embodiment, by linking the user terminal 50 with the business whitelist for verification when filling in the form information, the time cost of manual verification is reduced and the efficiency of data voucher generation is improved.

[0078] In this embodiment, through electronic document verification, the data voucher generation system can effectively manage and control the use of electronic documents, that is, data vouchers, and avoid legal and compliance risks caused by failure to sign an agreement. This not only improves the processing efficiency of data voucher generation, but also enhances the standardization of data voucher management.

[0079] To help understand, combine Figure 7 , the process of the second embodiment and the two implementation methods in the second embodiment is sorted out to ensure the integrity of the process. Figure 7 The content of the first embodiment is also combined, exemplarily:

[0080] Customer B logs in to a certain bank's corporate banking client. At this time, the branch settlement system 20 of the data voucher generation system performs a business whitelist check on customer B to determine whether customer B meets the business whitelist. If customer B is not in the business whitelist, the business types handled on the corporate banking page are restricted, and customer B cannot use the data voucher generation system to quickly handle the data voucher opening business. If customer B is in the business whitelist, he can register the business elements online and fill in the trade background information, letter of credit information and other form filling information on the business handling page of the corporate banking client. After the information is filled in, the user end 50 of the data voucher generation system performs an electronic document check on customer B to determine whether user B meets the electronic document, that is, whether user B has signed the electronic document agreement. If not, it is necessary to submit the trade background information offline. Otherwise, the trade background information can be submitted online and the filled-in trade background information can be submitted on the business handling page. Customer B submits the form filling information and constructs a letter of credit application. The branch settlement system 20 receives the letter of credit application. When the letter of credit application is received, customer B can use the data voucher generation system to quickly handle the data voucher opening business.

[0081] Based on the first embodiment or the second embodiment of the present application, in the third embodiment of the present application, the same or similar contents as those in the first embodiment or the second embodiment can be referred to the above introduction, and will not be described in detail later. In this embodiment, the data voucher generation system also includes:

[0082] The branch settlement system 20 is also used to receive a letter of credit application instruction, obtain a preset application template, and supplement and verify the application information corresponding to the letter of credit application instruction according to the application template to obtain the letter of credit application data, and perform key information verification on the letter of credit application data. When the key information verification passes, the letter of credit application data is output to the credit system, wherein when the time limit information in the letter of credit application data matches the preset time limit value, it is determined that the key information verification has passed.

[0083] It should be noted that the branch settlement system 20 performs a supplementary check on the application information of the letter of credit application based on the letter of credit application instruction. For example, if the application information shows that the letter of credit application mode is quick opening, it is deemed that the branch settlement system 20 has received the letter of credit application instruction, and the branch settlement system 20 will perform a supplementary check on the application information. The preset application template is a collection of information necessary for making a credit contract, and is composed of letter of credit application data, user information in related databases, etc., including information maintained by the business whitelist, application information, and other information that is not available in the application but is necessary. The application information is the information of the letter of credit application, which is similar to the content of the letter of credit application data. Exemplarily, in combination Figure 8, a bank's branch settlement system 20 accepted a user's application for opening a letter of credit, and needed to supplement and verify the information such as the letter of credit currency and the letter of credit amount. Supplementation refers to the branch settlement system 20 correcting and adding the part of the form filling information that does not conform to the corresponding information in the application template. The preset time limit value refers to the validity period of the data voucher, etc. For example, for international trade letters of credit, the time limit value refers to the letter of credit forward payment period, import documentary financing period, etc. In addition, key information verification also includes verification of financial information. For example, for international trade letters of credit, financial information refers to the single amount of the letter of credit, margin ratio, etc.

[0084] In addition, it should be noted that if the branch settlement system 20 still fails to pass the key information verification after supplementing and correcting the application information, the branch settlement system 20 will output a text prompt to remind the staff to transfer the application for credit card issuance back to ordinary credit card issuance. Fig. 9 When processing product A, a branch settlement system 20 of a bank supplements the letter of credit application information corresponding to product A and verifies the key information. If the verification fails, an interactive information display window pops up, outputting a prompt "Due to the following reasons, this letter of credit does not meet the conditions of product A, please confirm whether to modify it". Below the text prompt, a table is output, and the reasons for the failure are arranged in sequence. The reason corresponding to sequence number 1 is "The minimum margin ratio for business whitelist maintenance is 1.00%, and product A must fill in..." The staff can convert this letter of credit application to a normal letter of credit, or continue to modify the application information according to the prompt. Product A is a data voucher generation business that is quickly processed through a data voucher generation system.

[0085] In this embodiment, the application information of the letter of credit application is supplemented, corrected and key information is verified through the branch settlement system 20 to ensure that the key information in the form filling information, such as the time limit value, financial information, etc., meets the requirements of the preset application template. Supplementing and correcting the application information in the branch settlement system can avoid the phenomenon of restarting the data voucher opening business due to errors in the user's form filling information, thereby extending the business process, and improving the efficiency of data voucher generation.

[0086] Based on the first embodiment, the second embodiment, or the third embodiment of the present application, in the fourth embodiment of the present application, the same or similar contents as those in the first embodiment, the second embodiment, or the third embodiment can refer to the above description and will not be described in detail later. In this embodiment, the risk control system 10 is used to recheck the risk control information of the actual user information, obtain the risk control information recheck result, and send the risk control information recheck result to the credit system 30, wherein the risk control information recheck includes rechecking whether the user activity status in the actual user information is within the preset normal range and whether the user credit status is greater than the preset credit status threshold;

[0087] The credit system 30 is used to receive the risk control information re-verification result, and when it is determined that the user activity status is within a preset normal range and the user credit status is greater than a preset credit status threshold, the risk control information re-verification result is determined to be the risk control information re-verification passed, and the credit contract data is output to the document center settlement system 40.

[0088] The re-verification of the risk control information in this embodiment is the same as the pre-verification of the risk control information in the above-mentioned embodiment 2. Both include verification of the user activity status and user credit status in the actual user information. Exemplarily, the risk control system 10 will conduct a detailed analysis of the business data, historical credit records, and business performance of major partners of the enterprise. Through a comprehensive assessment of the business conditions, financial conditions, and industry status of the enterprise and its major customers, the risk control system 10 can further determine the overall health status and potential risks of the enterprise. If all indicators meet the preset standards, the risk control system 10 will generate a result that the risk control information verification has passed, and send the result to the credit system 30, combined with the credit system 30. Fig.10 If the verification result is failed, a prompt indicating that the risk verification has not passed will be output, and the reasons and solutions for failing the risk verification will be output. The risk control verification can be repeated by refreshing the risk control results. If the risk control results are still not passed after multiple refreshes, the normal letter of credit processing can be returned, that is, the normal letter of credit process can be carried out.

[0089] Specifically, after verifying the key information of the credit application, the credit system 30 automatically triggers the creation of a credit contract based on the credit application. The purpose of re-verifying the actual user information is to further ensure that the user's business conditions, credit conditions, etc. are in good condition, so as to facilitate the subsequent push of the created credit contract data to the document center settlement system 40. For credit applications that have not passed the risk control information re-verification, the risk control system 10 will not push the contract data to the document center settlement system 40.

[0090] In addition, the generation of data vouchers needs to be approved by the head office system, and the generated data vouchers need to be recorded in the head office system. Therefore, the completed credit contract data will also be pushed to the head office system. The head office system will automatically obtain the data voucher information when retaining the data voucher record. For example, Fig.11 The credit contract number and withdrawal number will be automatically obtained from the data voucher records retained in the head office system.

[0091] In this embodiment, risk control assurance is further strengthened by re-verifying risk control information of actual user information. For actual user information that has not passed the risk control information verification, the data voucher generation system will not perform subsequent processing on the corresponding contract information, thereby avoiding waste of resources and improving the efficiency of data voucher generation. In addition, during the data voucher generation process, the credit contract data is circulated through the data voucher generation system without the need for manual submission and approval, which further optimizes the data voucher generation retention and improves the data voucher generation efficiency.

[0092] For example, in order to help understand the difference between the overall concept of the present invention and the concept of the prior art, Fig.12 and Fig.13 , Fig.12 is an interactive schematic diagram of the prior art, Fig.13 This is an example diagram of the implementation process of the data voucher generation system obtained by combining all the above embodiments. The following briefly summarizes and compares the two with examples to demonstrate the advantages of the data voucher generation system in this solution.

[0093] In the traditional data voucher processing system, a customer who applies for a letter of credit needs to go to a bank counter to submit documents offline. The branch settlement system accepts the business and manually scans and creates the contract data, which is then sent to the credit system. The credit system staff manually creates a credit contract based on the data. After receiving the credit contract, the branch settlement system handles and reviews it, and performs supplementary verification on the information in the credit contract. After the supplementary verification is completed, it is sent to the document center settlement system. After receiving the credit contract, the document center settlement system opens a letter of credit for the customer. The letter of credit is a data voucher.

[0094] A customer handles the same letter of credit opening business through the data voucher generation system of this solution, which is also a data voucher opening business. There is no need to submit documents offline. You only need to log in to the bank client and fill in the business information. Before the customer logs in to the client, the risk control system 10 has initiated a risk marketing prediction for the customer based on the business whitelist. After the customer passes the risk marketing prediction, when the customer logs in to the client, the risk control system will automatically perform a business whitelist verification based on the customer information, and return the verification result to the branch settlement system 20. The branch settlement system 20 configures the business whitelist for the customer, and the customer can see the quick opening option, that is, when the customer handles the letter of credit opening business on the client, when filling in the business information, you can see a prompt for flash financing opening on the form filling page. As long as the customer meets the basic elements of flash financing opening, you can enter the fast channel to handle the letter of credit opening business. In addition, before the letter of credit opening business enters the fast channel, it is also necessary to verify whether the customer has signed the electronic document agreement and pre-verify the risk control information. The risk control system 10 will obtain the customer's risk control information and perform a quick verification on the customer. A risk control pre-verification is performed. After the risk control pre-verification passes, the branch settlement system 20 will accept the letter of credit opening business and check the supplementary business information. After the supplementary information is checked, the credit system 30 will automatically prepare a credit contract without manual participation. While preparing the credit contract, the risk control system 10 will re-verify the customer information and return the customer risk control information to the credit system. When the verification passes, the completed credit contract will be pushed to the document center settlement system 40, and the document center settlement system 40 will open the letter of credit based on the business information and the credit contract, and return the letter of credit to the user end 50. Compared with the traditional data voucher generation process, the whole process does not require offline submission of letter of credit opening business information and manual preparation of credit contracts, which optimizes the data voucher generation process, reduces the degree of manual participation, and improves the efficiency of data voucher generation.

[0095] It should be noted that the above examples are only used to understand the present application and do not constitute a limitation on the data voucher generation system of the present application. More simple transformations based on this technical concept are all within the scope of protection of the present application.

[0096] The present application also provides a data voucher generation method, which is applied to the data management voucher processing system in any of the above embodiments. Figure 3 , the data voucher generation method includes:

[0097] Step S10, obtaining preset multiple user information, determining the credit levels corresponding to the multiple user information, screening out user information corresponding to a credit level greater than a preset credit level threshold from the multiple user information, and adding the screened out user information to a preset service whitelist;

[0098] Step S20: If there is a user account that needs to generate a data voucher, it is detected whether the user account matches the business whitelist. If the user account matches the business whitelist, when the user account meets the preset data voucher generation conditions, the credit application data corresponding to the user account is determined, and the credit application data is sent to the credit system, wherein the preset data voucher generation conditions include electronic document verification, risk control information pre-verification, and basic element verification of the filled-in information;

[0099] Step S30, receiving and determining the credit contract data corresponding to the credit application data, and sending the credit contract data to the document center settlement system;

[0100] Step S40: generating a data voucher corresponding to the actual user information of the user account based on the credit contract data, and outputting the data voucher.

[0101] The data voucher generation method provided by the present application adopts the data voucher generation system in the above embodiment, which can solve the technical problem of low data voucher processing efficiency. Compared with the prior art, the beneficial effects of the data voucher processing device provided by the present application are the same as the beneficial effects of the data voucher generation method provided by the above embodiment, and other technical features in the data voucher processing device are the same as the features disclosed in the above embodiment method, which will not be repeated here.

[0102] The present application provides a data credential processing device, which includes: at least one processor; and a memory communicatively connected to the at least one processor; wherein the memory stores instructions executable by the at least one processor, and the instructions are executed by the at least one processor so that the at least one processor can execute the data credential processing method in the above-mentioned embodiment one.

[0103] Reference below Fig.14 , which shows a schematic diagram of the structure of a data voucher processing device suitable for implementing the embodiment of the present application. The data voucher processing device in the embodiment of the present application may include but is not limited to mobile terminals such as mobile phones, laptop computers, digital broadcast receivers, PDAs (Personal Digital Assistants), PADs (Portable Application Descriptions), PMPs (Portable Media Players), vehicle-mounted terminals (such as vehicle-mounted navigation terminals), etc., and fixed terminals such as digital TVs, desktop computers, etc. Fig.14 The data voucher processing device shown is merely an example and should not bring any limitation to the functions and scope of use of the embodiments of the present application.

[0104] like Fig.14As shown, the data voucher processing device may include a processing device 1001 (e.g., a central processing unit, a graphics processor, etc.), which can perform various appropriate actions and processes according to a program stored in a read-only memory (ROM: Read Only Memory) 1002 or a program loaded from a storage device 1003 to a random access memory (RAM: Random Access Memory) 1004. In RAM1004, various programs and data required for device operation are also stored. The processing device 1001, ROM1002, and RAM1004 are connected to each other through a bus 1005. An input / output (I / O) interface 1006 is also connected to the bus. Generally, the following systems can be connected to the I / O interface 1006: an input device 1007 including, for example, a touch screen, a touch pad, a keyboard, a mouse, an image sensor, a microphone, an accelerometer, a gyroscope, etc.; an output device 1008 including, for example, a liquid crystal display (LCD: Liquid Crystal Display), a speaker, a vibrator, etc.; a storage device 1003 including, for example, a magnetic tape, a hard disk, etc.; and a communication device 1009. The communication device 1009 can allow the data voucher processing device to communicate with other devices wirelessly or by wire to exchange data. Although the data voucher processing device with various systems is shown in the figure, it should be understood that it is not required to implement or have all the systems shown. More or fewer systems can be implemented or have alternatively.

[0105] In particular, according to the embodiments disclosed in the present application, the process described above with reference to the flowchart can be implemented as a computer software program. For example, the embodiments disclosed in the present application include a computer program product, which includes a computer program carried on a computer-readable medium, and the computer program includes a program code for executing the method shown in the flowchart. In such an embodiment, the computer program can be downloaded and installed from a network through a communication device, or installed from a storage device 1003, or installed from a ROM 1002. When the computer program is executed by the processing device 1001, the above-mentioned functions defined in the method of the embodiment disclosed in the present application are executed.

[0106] The data voucher processing device provided by the present application adopts the data voucher generation method in the above embodiment, which can solve the technical problem of low data voucher processing efficiency. Compared with the prior art, the beneficial effects of the data voucher processing device provided by the present application are the same as the beneficial effects of the data voucher generation method provided by the above embodiment, and the other technical features in the data voucher processing device are the same as the features disclosed in the method of the previous embodiment, which will not be repeated here.

[0107] It should be understood that the various parts disclosed in this application can be implemented by hardware, software, firmware or a combination thereof. In the description of the above embodiments, specific features, structures, materials or characteristics can be combined in any one or more embodiments or examples in a suitable manner.

[0108] The above is only a specific implementation of the present application, but the protection scope of the present application is not limited thereto. Any person skilled in the art who is familiar with the present technical field can easily think of changes or substitutions within the technical scope disclosed in the present application, which should be included in the protection scope of the present application. Therefore, the protection scope of the present application should be based on the protection scope of the claims.

[0109] The present application provides a storage medium, which is a computer-readable storage medium having computer-readable program instructions (i.e., a computer program) stored thereon, and the computer-readable program instructions are used to execute the data credential generation method in the above-mentioned embodiment.

[0110] The computer-readable storage medium provided in the present application may be, for example, a USB flash drive, but is not limited to electrical, magnetic, optical, electromagnetic, infrared, or semiconductor systems, systems or devices, or any combination of the above. More specific examples of computer-readable storage media may include, but are not limited to: an electrical connection with one or more wires, a portable computer disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the above. In this embodiment, the computer-readable storage medium may be any tangible medium containing or storing a program that can be used by or in combination with an instruction execution system, system or device. The program code contained on the computer-readable storage medium may be transmitted using any appropriate medium, including but not limited to: wires, optical cables, RF (Radio Frequency), etc., or any suitable combination of the above.

[0111] The above-mentioned computer-readable storage medium may be included in the data voucher processing device; or it may exist independently without being assembled into the data voucher processing device.

[0112] The computer-readable storage medium carries one or more programs and can be executed by a data voucher processing device.

[0113] Computer program code for performing the operations of the present application may be written in one or more programming languages ​​or a combination thereof, including object-oriented programming languages ​​such as Java, Smalltalk, C++, and conventional procedural programming languages ​​such as "C" or similar programming languages. The program code may be executed entirely on the user's computer, partially on the user's computer, as a separate software package, partially on the user's computer and partially on a remote computer, or entirely on a remote computer or server. In the case of a remote computer, the remote computer may be connected to the user's computer through any type of network, including a local area network (LAN) or a wide area network (WAN), or may be connected to an external computer (e.g., via the Internet using an Internet service provider).

[0114] The flow chart and block diagram in the accompanying drawings illustrate the possible architecture, function and operation of the system, method and computer program product according to various embodiments of the present application. In this regard, each square box in the flow chart or block diagram can represent a module, a program segment or a part of a code, and the module, the program segment or a part of the code contains one or more executable instructions for realizing the specified logical function. It should also be noted that in some alternative implementations, the functions marked in the square box can also occur in a sequence different from that marked in the accompanying drawings. For example, two square boxes represented in succession can actually be executed substantially in parallel, and they can sometimes be executed in the opposite order, depending on the functions involved. It should also be noted that each square box in the block diagram and / or flow chart, and the combination of the square boxes in the block diagram and / or flow chart can be implemented with a dedicated hardware-based system that performs a specified function or operation, or can be implemented with a combination of dedicated hardware and computer instructions.

[0115] The modules involved in the embodiments described in this application may be implemented by software or hardware, wherein the name of the module does not constitute a limitation on the unit itself in some cases.

[0116] The readable storage medium provided in this application is a computer-readable storage medium, which stores computer-readable program instructions (i.e., computer programs) for executing the above-mentioned data voucher generation method, and can solve the technical problem of low data voucher processing efficiency. Compared with the prior art, the beneficial effects of the storage medium provided in this application are the same as the beneficial effects of the data voucher generation method provided in the above-mentioned embodiment, and will not be repeated here.

[0117] The present application also provides a product, including a computer program, which implements the steps of the data credential generation method as described above when executed by a processor.

[0118] The computer program product provided by this application can solve the technical problem of low efficiency in data voucher generation. Compared with the prior art, the beneficial effects of the computer program product provided by this application are the same as the beneficial effects of the data voucher generation method provided by the above embodiment, which will not be repeated here.

[0119] The above descriptions are only some embodiments of the present application, and are not intended to limit the patent scope of the present application. All equivalent structural changes made using the contents of the present application specification and drawings under the technical concept of the present application, or direct / indirect applications in other related technical fields are included in the patent protection scope of the present application.

Claims

1. A data voucher generation system, characterized in that: The data voucher generation system comprises: The risk control system is used to obtain a plurality of preset user information, determine the credit ratings corresponding to the plurality of user information, filter out user information corresponding to a credit rating greater than a preset credit rating threshold from the plurality of user information, and add the filtered user information to a preset business whitelist; The branch settlement system is used for, if there is a user account that needs to generate a data voucher, detecting whether the user account matches the business whitelist; if the user account matches the business whitelist, determining the credit application data corresponding to the user account when the user account meets the preset data voucher generation conditions, and sending the credit application data to the credit system, wherein the preset data voucher generation conditions include passing the electronic document verification, passing the risk control information pre-verification, and passing the basic elements verification of the filled-in information; A credit system, used to receive and determine the credit contract data corresponding to the credit application data, and send the credit contract data to the document center settlement system; The document center settlement system is used to generate a data voucher corresponding to the actual user information of the user account based on the credit contract data, and output the data voucher.

2. The data voucher generation system according to claim 1, characterized in that: The data voucher generation system further includes a user terminal, The user terminal is used to determine the actual user information of the user account, and perform electronic document verification on the actual user information to obtain the electronic document verification result, and send the electronic document verification result to the branch settlement system, wherein the electronic document verification includes detecting whether there is information of signing an electronic document agreement in the actual user information; The branch settlement system is used to receive the electronic document verification result, and when it is determined that the electronic document verification result includes the existence of the signed electronic document agreement information in the actual user information, determine that the electronic document verification result is the electronic document verification passed.

3. The data voucher generation system according to claim 2, characterized in that: The risk control system is further used to perform risk control information pre-verification on the actual user information of the user account, obtain a risk control information pre-verification result, and send the risk control information pre-verification result to the branch settlement system, wherein the risk control information pre-verification includes detecting whether the user activity status in the actual user information is within a preset normal range and whether the user credit status is greater than a preset credit status threshold; The branch settlement system is used to receive the risk control information pre-verification result, and when it is determined that the risk control information pre-verification result is that the user activity status is within a preset normal range and the user credit status is greater than a preset credit status threshold, determine that the risk control information pre-verification result is that the risk control information pre-verification has passed.

4. The data voucher generation system according to claim 3, characterized in that: The user terminal is also used to receive the form filling information input by the user, perform basic element verification on the form filling information, and obtain a basic element verification result of the form filling information. When the basic element verification result of the form filling information is that the basic element verification of the form filling information has passed, a letter of credit application instruction is constructed and output to the branch settlement system based on the form filling information, wherein when it is detected that the credit investigation authorization letter signature information exists in the form filling information, it is determined that the basic element verification of the form filling information has passed.

5. The data voucher generation system according to claim 1, characterized in that: The branch settlement system is also used to receive the letter of credit application instruction, obtain a preset application template, and supplement and verify the application information corresponding to the letter of credit application instruction according to the application template to obtain the letter of credit application data, and perform key information verification on the letter of credit application data. If the key information verification passes, the letter of credit application data is output to the credit system, wherein when the time limit information in the letter of credit application data matches the preset time limit value, it is determined that the key information verification has passed.

6. The data voucher generation system according to claim 5, characterized in that: The risk control system is used to recheck the risk control information on the actual user information, obtain a risk control information recheck result, and send the risk control information recheck result to the credit system, wherein the risk control information recheck includes rechecking whether the user activity status in the actual user information is within a preset normal range and whether the user credit status is greater than a preset credit status threshold; The credit system is used to receive the risk control information re-verification result, and when it is determined that the risk control information re-verification result is that the user activity status is within a preset normal range and the user credit status is greater than a preset credit status threshold, determine that the risk control information re-verification result is that the risk control information re-verification has passed, and output the credit contract data to the document center settlement system.

7. A method for generating a data voucher, characterized in that: The method is applied to the data voucher generation system according to any one of claims 1 to 6, and the method comprises the following steps: Acquire a plurality of preset user information, determine the credit levels corresponding to the plurality of user information, filter out user information corresponding to a credit level greater than a preset credit level threshold from the plurality of user information, and add the filtered user information to a preset service whitelist; If there is a user account that needs to generate a data voucher, then detect whether the user account matches the business whitelist. If the user account matches the business whitelist, then when the user account meets the preset data voucher generation conditions, determine the application data corresponding to the user account, wherein the preset data voucher generation conditions include passing the electronic document verification, passing the risk control information pre-verification, and passing the basic elements verification of the filled-in information; Determine the credit contract data corresponding to the credit application data, generate a data voucher corresponding to the actual user information of the user account based on the credit contract data, and output the data voucher.

8. A data voucher generating device, characterized in that: The data voucher generating device comprises: a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the computer program is configured to implement the steps of the data voucher generating method according to claim 7.

9. A storage medium, characterized in that: The storage medium is a computer-readable storage medium, and a computer program is stored on the storage medium. When the computer program is executed by a processor, the steps of the data credential generation method according to claim 7 are implemented.

10. A product, characterized in that The product is a computer program product, which includes a computer program. When the computer program is executed by a processor, the steps of the data voucher generation method as described in any one of claim 7 are implemented.

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