Personalized financing scheme generation method and device, equipment and storage medium

Abstract

The invention discloses a personalized financing scheme generation method, device and equipment and a storage medium, and relates to the technical field of finance, and the method comprises the steps: receiving financing application data and a source region of a third-party platform, carrying out the data cleaning of the financing application data according to the source region, and generating a personalized financing scheme; and screening target application data meeting business conditions from the cleaned financing data according to a personalized rule corresponding to the source region, and generating a personalized financing scheme corresponding to the third-party platform according to the personalized function pendant and the target application data. The financing application data is cleaned and screened through the source region, so that personalized data processing can be performed according to the source region to meet the requirement of providing a financing scheme according to a scenarized rule; according to the technical scheme, the personalized function pendant corresponding to the configurable main line process is constructed, various personalized requirements are met, the secondary development requirement for a new scene is eliminated, and therefore rapid service customization is ensured.

Description

Technical Field

[0001] The present application relates to the field of financial technology, and in particular to a method, device, equipment and storage medium for generating a personalized financing plan. Background Art

[0002] In an environment where financial services are provided based on scenario data from third-party platforms, financial institutions, as data users, must deal with fluctuations in data quality and meet the needs of personalized processes. At the same time, these processes need to be compatible with standard financial solutions within financial institutions. At present, for each newly connected scenario, banks often need to develop personalized processes. To this end, how to design financing solutions through technical means to solve the problems of data quality fluctuations and personalized needs in scenario data provided by third-party platforms is a technical problem that needs to be solved. Summary of the invention

[0003] The main purpose of this application is to provide a personalized financing plan generation method, device, equipment and storage medium, aiming to solve the technical problems of data quality fluctuations and personalized needs in scenario data provided by a third-party platform.

[0004] To achieve the above purpose, the present application proposes a method for generating a personalized financing plan, wherein the method comprises:

[0005] Receiving financing application data from a third-party platform and the source region corresponding to the financing application data;

[0006] Clean the financing application data according to the source region to obtain cleansed financing data;

[0007] Filter target application data that meets business conditions from the cleansed financing data according to the personalized rules corresponding to the source region;

[0008] A personalized financing plan corresponding to the third-party platform is generated according to the personalized function widget and the target application data.

[0009] In one embodiment, after the step of receiving the financing application data from the third-party platform and the source region corresponding to the financing application data, the method further includes:

[0010] Conduct completeness check on the financing application data according to internal data standards;

[0011] When there is data missing or error in the financing application data, the third-party platform is notified to correct the financing application data.

[0012] In one embodiment, the step of performing integrity verification on the financing application data according to internal data standards includes:

[0013] Verify whether the file corresponding to the financing application data complies with the preset format requirements;

[0014] Verify whether the preset basic information in the financing application data is complete;

[0015] Verify whether the supporting documents corresponding to the financing application data are complete;

[0016] Verify whether the information in the financing application data is consistent with the content in the supporting materials.

[0017] In one embodiment, after the step of verifying whether the information in the financing application data is consistent with the content in the certification materials, the step further includes:

[0018] Querying a preset credit database based on the financing application data to determine the credit status of the financing applicant;

[0019] Conduct compliance checks on the financing application data;

[0020] Determine whether the amount of financing applied for in the financing application data matches the repayment ability of the financing applicant.

[0021] In one embodiment, the step of performing data cleansing on the financing application data according to the source region to obtain cleansed financing data includes:

[0022] Determine whether to provide government financing services for the source areas;

[0023] If not provided, the application data corresponding to the source region in the financing application data is deleted to obtain the cleaned financing data.

[0024] In one embodiment, after the step of determining whether to provide government financing services for the source region, the method further includes:

[0025] If provided, determine whether the payment account in the government procurement contract corresponding to the target application data in the financing application data is the account of the financial institution;

[0026] If it is not an account of this financial institution, the target application data is deleted;

[0027] If it is an account of the financial institution, determining whether the nature of the funds return corresponding to the target application data in the financing application data meets the preset payment nature;

[0028] If the preset payment nature is not met, the target application data is deleted to obtain the cleaned financing data.

[0029] In one embodiment, the step of selecting target application data that meets business conditions from the cleansed financing data according to the personalized rules corresponding to the source region includes:

[0030] Determine whether the financial institution has the authority to change accounts in the source region;

[0031] If the account change authority of the source region is not possessed, determining whether the payment account in the government procurement contract corresponding to the target application data in the cleansed financing data is an account of the financial institution;

[0032] If it is an account of this financial institution, determine whether the payment account exists in the preset database;

[0033] If it exists in the preset database, it is determined that the target application data meets the business conditions.

[0034] In addition, to achieve the above purpose, the present application also proposes a personalized financing plan generation device, the personalized financing plan generation device comprising:

[0035] A data receiving module, used to receive financing application data from a third-party platform and the source region corresponding to the financing application data;

[0036] A data cleaning module, used to clean the financing application data according to the source region to obtain cleaned financing data;

[0037] A data screening module, used to screen target application data that meets business conditions from the cleaned financing data according to the personalized rules corresponding to the source region;

[0038] A plan generation module is used to generate a personalized financing plan corresponding to the third-party platform according to the personalized function widget and the target application data.

[0039] In addition, to achieve the above-mentioned purpose, the present application also proposes a personalized financing plan generation 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 personalized financing plan generation method as described above.

[0040] In addition, to achieve the above-mentioned purpose, the present application also proposes a storage medium, which 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 personalized financing plan generation method described above are implemented.

[0041] In addition, to achieve the above-mentioned purpose, the present application also provides a computer program product, which includes a computer program, and when the computer program is executed by a processor, the steps of the personalized financing plan generation method as described above are implemented.

[0042] This application provides a personalized financing plan generation method, which receives financing application data and source regions from a third-party platform, cleans the financing application data according to the source regions, obtains cleaned financing data, and screens target application data that meets business conditions from the cleaned financing data according to the personalized rules corresponding to the source regions, and generates a personalized financing plan corresponding to the third-party platform according to the personalized functional widgets and the target application data. Since this application cleans and screens the financing application data according to the source regions, it can perform personalized data processing according to the source regions to meet the needs of providing financing plans based on scenario-based rules; builds personalized functional widgets corresponding to configurable main line processes to adapt to various personalized needs, eliminates the need for secondary development of new scenarios, and ensures rapid service customization. BRIEF DESCRIPTION OF THE DRAWINGS

[0043] 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.

[0044] 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.

[0045] Figure 1 A flowchart of the first embodiment of the method for generating a personalized financing plan for this application;

[0046] Figure 2 A brief flowchart of the method for generating a personalized financing plan for this application;

[0047] Figure 3 A flowchart diagram of the second embodiment of the method for generating a personalized financing plan for this application;

[0048] Figure 4 This is a schematic diagram of the module structure of the personalized financing plan generation device according to the embodiment of the present application;

[0049] Figure 5 This is a schematic diagram of the device structure of the hardware operating environment involved in the personalized financing plan generation method in the embodiment of the present application.

[0050] 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

[0051] 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.

[0052] 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.

[0053] The main solution of the embodiment of the present application is: receiving financing application data from a third-party platform and the source region corresponding to the financing application data; performing data cleansing on the financing application data according to the source region to obtain cleaned financing data; screening target application data that meets business conditions from the cleaned financing data according to personalized rules corresponding to the source region; generating a personalized financing plan corresponding to the third-party platform based on personalized function widgets and the target application data.

[0054] Since existing technologies provide financial services based on scenario data from third-party platforms, financial institutions, as data users, must deal with fluctuations in data quality and meet the needs of personalized processes. At the same time, these processes need to be compatible with standard financial solutions within financial institutions. At present, banks often need to develop personalized processes for each newly connected scenario. To this end, how to design financing solutions through technical means to solve the problems of data quality fluctuations and personalized needs in scenario data provided by third-party platforms is a technical problem that needs to be solved.

[0055] This application provides a solution, which receives financing application data and source regions from a third-party platform, cleans the financing application data according to the source regions, obtains cleaned financing data, screens target application data that meet business conditions from the cleaned financing data according to the personalized rules corresponding to the source regions, and generates a personalized financing plan corresponding to the third-party platform according to the personalized functional widgets and the target application data. Since this application cleans and screens the financing application data according to the source regions, it can perform personalized data processing according to the source regions to meet the needs of providing financing plans based on scenario-based rules; builds personalized functional widgets corresponding to configurable main line processes to adapt to various personalized needs, eliminates the need for secondary development of new scenarios, and ensures rapid service customization.

[0056] It should be noted that the execution subject of the method of this embodiment can be a computing service device with the functions of generating personalized financing plans, network communication and program running, such as a tablet computer, a personal computer, a mobile phone, etc.; it can also be a personalized financing plan generating device with the same or similar functions. This embodiment and the following embodiments will be described by taking the personalized financing plan generating device as an example.

[0057] Based on this, the present application embodiment provides a method for generating a personalized financing plan, referring to Figure 1 , Figure 1 This is a flow chart of the first embodiment of the method for generating a personalized financing plan for this application.

[0058] In this embodiment, the method for generating a personalized financing plan includes steps S10 to S40:

[0059] Step S10, receiving financing application data from a third-party platform and the source region corresponding to the financing application data.

[0060] It is understandable that in an environment where financial services are provided based on scenario data from a third-party platform, financial institutions, as data users, must deal with fluctuations in data quality and meet the needs of personalized processes. The business scenario of this application can be a government procurement scenario, where the finance departments of various regions connect with the third-party platform as clients, and the third-party platform sends the client's financing application data to this financial institution. The financing application data can be a request for a loan, including information such as government procurement contracts and repayment elements. Since the financing business of this financial institution in different regions varies, it is also necessary to receive the source region corresponding to the financing application data.

[0061] In a feasible implementation manner, after step S10, steps S101 to S102 may also be included:

[0062] Step S101, performing integrity check on the financing application data according to internal data standards.

[0063] It is understandable that since the financing application data is used for financing withdrawal applications, it is necessary to ensure that the data is complete, the business elements are complete, and it complies with the internal data standards of financial institutions. Therefore, the financing application data can be checked for completeness according to the internal data standards.

[0064] In a feasible implementation, step S101 may include steps S01 to S04:

[0065] Step S01, verifying whether the file corresponding to the financing application data meets the preset format requirements;

[0066] In a specific implementation, when performing a completeness check on the financing application data, it is possible to check whether the submitted documents meet the predetermined format requirements (such as PDF, Word documents, etc.) and ensure that the documents are not damaged or incomplete.

[0067] Step S02, verifying whether the preset basic information in the financing application data is complete;

[0068] In the specific implementation, it is also possible to verify whether the basic information in the application is complete, such as the applicant's name, unit name, contact information, address, etc., and check the logical rationality of the information.

[0069] Step S03, verifying whether the certification materials corresponding to the financing application data are complete;

[0070] In the specific implementation, it is also possible to confirm whether the required certificates and supporting materials have been provided, such as business license, identity certificate, financial statements, credit report, historical transaction records, etc.

[0071] Step S04, verifying whether the information in the financing application data is consistent with the content in the certification materials.

[0072] In specific implementations, data consistency checks can also be performed, for example, verifying that the information filled in the application form corresponding to the financing application data is consistent with the content in the supporting materials provided and there are no contradictions.

[0073] In this embodiment, the completeness of the financing application data can be ensured by verifying the format of the financing application data, the integrity of the basic information, the integrity of the supporting materials and the consistency of the data.

[0074] In another implementation, step S101 may further include steps S05 to S07:

[0075] Step S05, querying a preset credit database based on the financing application data to determine the credit status of the financing applicant.

[0076] In a specific implementation, when checking the completeness of the financing application data, the qualifications of the applicant can also be checked. For example, by querying a pre-set credit database, the credit history and score of the financing applicant, as well as the credit status of the enterprise or individual associated with the applicant, can be reviewed.

[0077] Step S06: performing compliance check on the financing application data.

[0078] In the specific implementation, compliance checks can also be performed to ensure that all submitted materials comply with relevant financial regulations and policy requirements.

[0079] Step S07, determining whether the amount of financing applied for in the financing application data matches the repayment ability of the financing applicant.

[0080] In specific implementation, it is also possible to analyze whether the loan amount applied for in the financing application data matches the project scale, past performance, repayment capacity, etc.

[0081] In this embodiment, by conducting a credit review on the applicant corresponding to the financing application data, performing a compliance check on the data, and analyzing the rationality of the applied financing amount, the legitimacy and rationality of the financing application data can be further ensured.

[0082] Step S102: when there is data missing or error in the financing application data, notify the third-party platform to correct the financing application data.

[0083] It should be understood that when any missing or incorrect data is found in the financing application data, a clear feedback mechanism can be set up to notify the applicant connected to the third-party platform to supplement or correct the information. And in order to ensure the protection of sensitive data, data protection regulations are strictly followed throughout the verification process to ensure the security of the applicant's personal and financial information.

[0084] In this embodiment, by performing a completeness check on the financing application data according to internal data standards, when there is data missing or error in the financing application data, the third-party platform is notified to correct the financing application data, thereby ensuring the data completeness and business element integrity of the financing application data in compliance with the internal data standards of financial institutions.

[0085] Step S20, cleansing the financing application data according to the source region to obtain cleansed financing data.

[0086] It is understandable that the received financing application data can be integrated and improved. It is possible to integrate diversified scenario data from various external third-party platforms. These data sources are widely distributed, and their quality varies from region to region, showing significant volatility. In order to meet the strict standards within financial institutions, the collected data is comprehensively cleaned and optimized to eliminate volatility and inconsistency.

[0087] Step S30, screening target application data that meets business conditions from the cleaned financing data according to the personalized rules corresponding to the source region.

[0088] It should be understood that for the cleaned data, different regions configure personalized rules as required, filter applications that meet business conditions, and then send them to the standardized process processing component through Kafka for aggregation.

[0089] In a feasible implementation, step S30 may include steps S301 to S304:

[0090] Step S301, determining whether the financial institution has the account modification authority in the source region.

[0091] Step S302: If the bank does not have the account change authority in the source region, it is determined whether the payment account in the government procurement contract corresponding to the target application data in the cleaned financing data is an account of the financial institution.

[0092] Step S303: If it is an account of the financial institution, determine whether the payment account exists in the preset database.

[0093] Step S304: If the target application data exists in the preset database, it is determined that the target application data meets the business conditions.

[0094] It should be understood that when screening the cleaned data to meet the business conditions, different regions configure personalized rules as required, and can first determine whether the financial institution has the authority to change the account based on the source region.

[0095] For example, for region A, if this financial institution does not have the authority to change the account in region A, when filtering data, it must ensure that the government procurement payment account must be the account of this financial institution, and this account is an account maintained in the system database of this financial institution. In other words, if a customer has multiple accounts of this financial institution, but they are not maintained in the system, it is considered that this data does not meet the business screening conditions and needs to be discarded.

[0096] For example, for Region B, Region B supports this financial institution to change the account in Region B, that is, if the payment account in Region B is from another financial institution, the account of the other financial institution can be changed to the account of this financial institution through system docking. When encountering such target application data during screening, it is directly determined that the target application data meets the business conditions.

[0097] In this implementation, it is determined whether the financial institution has the account change authority in the source region; if it does not have the account change authority in the source region, it is determined whether the repayment account in the government procurement contract corresponding to the target application data in the cleansed financing data is the account of the financial institution; if it is the account of the financial institution, it is determined whether the repayment account exists in the preset database; if it exists in the preset database, it is determined that the target application data meets the business conditions, so that applications that meet the business conditions can be screened out according to the needs of different regions, thereby improving the flexibility of the service.

[0098] Step S40, generating a personalized financing plan corresponding to the third-party platform according to the personalized function widget and the target application data.

[0099] It should be understood that a configurable mainline process can be built to adapt to various personalized needs, eliminate the need for secondary development of new scenarios, and ensure rapid service customization. After the filtered data is sent to the standardized process processing component through kafka, the standardized process processing component completes standardized processes such as credit approval, withdrawal, repayment, and collection management. In response to the unique needs of the third-party platform at a specific stage, the factory model + strategy model can be integrated to develop N personalized functional widgets, which can be configured according to the requirements of different regions to provide highly customized solutions. Since the data is received from the third-party platform, the data structure, data form, and content are all different. The personalized functional widget can be used to process the data into the data form required internally, and then a financing strategy can be formulated based on the cleaned and filtered data. The brief flow chart of the personalized financing plan generation method in this embodiment can be referred to. Figure 2 The core of the personalized financing solution generation method in this embodiment is its unique flexibility, which can quickly adapt and generate financing strategies for specific regions and needs based on standardization. This dynamic response mechanism not only ensures the rapid provision of services, but also takes into account the dual standards of customization and compliance while meeting external financing needs.

[0100] This embodiment provides a personalized financing plan generation method, which receives financing application data and source regions from a third-party platform, cleans the financing application data according to the source regions, obtains cleaned financing data, filters target application data that meets business conditions from the cleaned financing data according to personalized rules corresponding to the source regions, and generates a personalized financing plan corresponding to the third-party platform according to personalized functional widgets and target application data. Since this embodiment cleans and filters the financing application data according to the source regions, it can perform personalized data processing according to the source regions to meet the needs of providing financing plans based on scenario-based rules; builds personalized functional widgets corresponding to configurable main line processes to adapt to various personalized needs, eliminates the need for secondary development of new scenarios, and ensures rapid service customization.

[0101] Based on the first embodiment of the present application, in the second embodiment of the present application, the same or similar contents as those in the above-mentioned embodiment 1 can refer to the above introduction, and will not be repeated later. Figure 3 , step S20, the personalized financing plan generation method further includes steps S201-S202:

[0102] Step S201, determining whether to provide government financing services for the source region.

[0103] It is understandable that financial institutions may only provide government financing services to certain regions and not to certain regions. Therefore, in order to meet the strict internal standards, the collected data is comprehensively cleaned and optimized to eliminate volatility and inconsistency. You can first determine whether the financial institution provides government financing services to the source region.

[0104] Step S202: If not provided, the application data corresponding to the source region in the financing application data is deleted to obtain cleaned financing data.

[0105] It should be understood that the source region of the data is the region where the supplier won the bid. If it is determined that the financial institution does not conduct business in the source region, then the data is not needed, the request data in the financing application data is deleted, and the cleaned financing data is obtained.

[0106] In a feasible implementation, step S201 may include steps S2011 to S2014:

[0107] Step S2011: If provided, determine whether the repayment account in the government procurement contract corresponding to the target application data in the financing application data is an account of this financial institution.

[0108] It is understandable that if the financial institution has carried out government financing business in the source region, it means that the bank provides relevant financial services in the region and has the ability to handle the local government procurement financing needs.

[0109] Step S2012: If the account is not from this financial institution, the target application data is deleted.

[0110] Step S2013: If it is an account of the financial institution, determine whether the nature of the fund repayment corresponding to the target application data in the financing application data meets the preset payment nature.

[0111] Step S2014: if the preset payment nature is not met, the target application data is deleted to obtain the cleaned financing data.

[0112] It should be noted that the conditions for the financing application business by this financial institution are that the payment account in the government procurement contract must be the account of this financial institution, and the nature of the payment funds in the procurement contract must be paid by the treasury. Therefore, when cleaning and optimizing the financing application data, you can first determine whether the payment account in the government procurement contract is the account of this financial institution. If it is not the account of this financial institution, delete the application data. If it is the account of this financial institution, determine whether the nature of the funds corresponding to the application data meets the preset payment nature. If it is paid by the treasury, the data meets the requirements and is not processed; if it is paid by self-raised funds, it means that it does not meet the requirements, and the data is deleted to obtain the cleaned financing data.

[0113] In this embodiment, it is determined whether the financial institution provides government financing services for the source area; if not, the application data is deleted; if provided, it is determined whether the repayment account in the government procurement contract is the account of the financial institution. If not, the target application data is deleted; if it is the account of the financial institution, it is determined whether the nature of the funds repayment corresponding to the target application data in the financing application data meets the preset payment nature. If it does not meet the preset payment nature, the target application data is deleted, thereby obtaining financing data that meets the requirements of the financial institution to meet the needs of providing financing solutions based on scenario-based rules.

[0114] It should be noted that the above examples are only used to understand the present application and do not constitute a limitation on the method for generating personalized financing plans of the present application. More simple transformations based on this technical concept are all within the scope of protection of the present application.

[0115] This application also provides a personalized financing plan generation device, please refer to Figure 4 , the personalized financing scheme generating device comprises:

[0116] A data receiving module 10 is used to receive financing application data from a third-party platform and a source region corresponding to the financing application data;

[0117] A data cleaning module 20, configured to clean the financing application data according to the source region to obtain cleaned financing data;

[0118] A data screening module 30, for screening target application data that meets business conditions from the cleaned financing data according to the personalized rules corresponding to the source region;

[0119] The solution generation module 40 is used to generate a personalized financing solution corresponding to the third-party platform according to the personalized function widget and the target application data.

[0120] The personalized financing scheme generation device provided by the present application adopts the personalized financing scheme generation method in the above embodiment, which can solve the technical problem. Compared with the prior art, the beneficial effects of the personalized financing scheme generation device provided by the present application are the same as the beneficial effects of the personalized financing scheme generation method provided by the above embodiment, and other technical features in the personalized financing scheme generation device are the same as the features disclosed in the above embodiment method, which will not be repeated here.

[0121] The present application provides a personalized financing plan generation device, which includes: at least one processor; and a memory that is communicatively connected to the at least one processor; wherein the memory stores instructions that can be executed 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 personalized financing plan generation method in the above-mentioned embodiment 1.

[0122] Reference below Figure 5 , which shows a schematic diagram of a structure of a personalized financing solution generation device suitable for implementing the embodiment of the present application. The personalized financing solution generation 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. Figure 5 The personalized financing plan generation device shown is only an example and should not bring any limitation to the functions and scope of use of the embodiments of the present application.

[0123] like Figure 5As shown, the personalized financing solution generation 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 the operation of the personalized financing solution generation device 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 personalized financing solution generation device to communicate with other devices wirelessly or by wire to exchange data. Although the figure shows a personalized financing solution generation device with various systems, 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.

[0124] 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.

[0125] The personalized financing scheme generation device provided by the present application adopts the personalized financing scheme generation method in the above embodiment, which can solve the technical problem of personalized financing scheme generation. Compared with the prior art, the beneficial effects of the personalized financing scheme generation device provided by the present application are the same as the beneficial effects of the personalized financing scheme generation method provided by the above embodiment, and the other technical features in the personalized financing scheme generation device are the same as the features disclosed in the method of the previous embodiment, which will not be repeated here.

[0126] 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.

[0127] 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.

[0128] The present application provides a computer-readable storage medium having computer-readable program instructions (ie, computer programs) stored thereon, and the computer-readable program instructions are used to execute the personalized financing plan generating method in the above-mentioned embodiment.

[0129] 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.

[0130] The computer-readable storage medium may be included in the personalized financing solution generation device; or may exist independently without being assembled into the personalized financing solution generation device.

[0131] The above-mentioned computer-readable storage medium carries one or more programs. When the above-mentioned one or more programs are executed by the personalized financing plan generation device, the personalized financing plan generation device: receives financing application data from a third-party platform and the source region corresponding to the financing application data; performs data cleansing on the financing application data according to the source region to obtain cleaned financing data; screens target application data that meets business conditions from the cleaned financing data according to the personalized rules corresponding to the source region; and generates a personalized financing plan corresponding to the third-party platform according to the personalized function widget and the target application data.

[0132] 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).

[0133] 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.

[0134] 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.

[0135] 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 personalized financing plan generation method, and can solve the technical problem. Compared with the prior art, the beneficial effects of the computer-readable storage medium provided in this application are the same as the beneficial effects of the personalized financing plan generation method provided in the above-mentioned embodiment, and will not be repeated here.

[0136] The present application also provides a computer program product, including a computer program, which implements the steps of the above-mentioned personalized financing plan generation method when executed by a processor.

[0137] The computer program product provided by this application can solve the technical problem. 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 personalized financing plan generation method provided by the above embodiment, which will not be repeated here.

[0138] 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 method for generating a personalized financing plan, characterized in that: The method includes: Receiving financing application data from a third-party platform and the source region corresponding to the financing application data; Clean the financing application data according to the source region to obtain cleansed financing data; Filter target application data that meets business conditions from the cleansed financing data according to the personalized rules corresponding to the source region; A personalized financing plan corresponding to the third-party platform is generated according to the personalized function widget and the target application data.

2. The method according to claim 1, characterized in that After the step of receiving the financing application data from the third-party platform and the source region corresponding to the financing application data, the method further includes: Conduct completeness check on the financing application data according to internal data standards; When there is data missing or error in the financing application data, notify the third-party platform to correct the financing application data.

3. The method according to claim 2, characterized in that The step of performing completeness verification on the financing application data according to the internal data standard comprises: Verify whether the file corresponding to the financing application data complies with the preset format requirements; Verify whether the preset basic information in the financing application data is complete; Verify whether the supporting documents corresponding to the financing application data are complete; Verify whether the information in the financing application data is consistent with the content in the supporting materials.

4. The method according to claim 3, characterized in that After the step of verifying whether the information in the financing application data is consistent with the content in the certification materials, the method further includes: Querying a preset credit database based on the financing application data to determine the credit status of the financing applicant; Conduct compliance checks on the financing application data; Determine whether the amount of financing applied for in the financing application data matches the repayment ability of the financing applicant.

5. The method according to claim 1, characterized in that The step of performing data cleansing on the financing application data according to the source region to obtain cleansed financing data includes: Determine whether to provide government financing services for the source areas; If not provided, the application data corresponding to the source region in the financing application data is deleted to obtain the cleaned financing data.

6. The method according to claim 5, characterized in that After the step of determining whether to provide government financing services for the source region, the method further includes: If provided, determine whether the payment account in the government procurement contract corresponding to the target application data in the financing application data is the account of the financial institution; If it is not an account of this financial institution, the target application data is deleted; If it is an account of the financial institution, determining whether the nature of the funds return corresponding to the target application data in the financing application data meets the preset payment nature; If the preset payment nature is not met, the target application data is deleted to obtain the cleaned financing data.

7. The method according to claim 1, characterized in that The step of selecting target application data that meets business conditions from the cleaned financing data according to the personalized rules corresponding to the source region includes: Determine whether the financial institution has the authority to change accounts in the source region; If the account change authority of the source region is not possessed, determining whether the payment account in the government procurement contract corresponding to the target application data in the cleansed financing data is an account of the financial institution; If it is an account of this financial institution, determine whether the payment account exists in the preset database; If it exists in the preset database, it is determined that the target application data meets the business conditions.

8. A device for generating a personalized financing plan, characterized in that: The personalized financing scheme generating device comprises: A data receiving module, used to receive financing application data from a third-party platform and the source region corresponding to the financing application data; A data cleaning module, used to clean the financing application data according to the source region to obtain cleaned financing data; A data screening module, used to screen target application data that meets business conditions from the cleaned financing data according to the personalized rules corresponding to the source region; A plan generation module is used to generate a personalized financing plan corresponding to the third-party platform according to the personalized function widget and the target application data.

9. A device for generating a personalized financing plan, characterized in that: The 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 method for generating a personalized financing plan according to any one of claims 1 to 7.

10. 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 method for generating a personalized financing plan according to any one of claims 1 to 7 are implemented.

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