User self-certification integration method and device, electronic equipment and storage medium

Abstract

The invention relates to the technical field of financial science and technology, and discloses a user self-certification integration method and device, electronic equipment and a storage medium. The method comprises the following steps: receiving user basic information sent by a client user, and detecting whether the client user meets an access basic condition or not according to the user basic information; if yes, acquiring associated basic information of the client user, and calculating to obtain a corresponding primary quota according to the associated basic information; returning the primary quota to the client user, and monitoring whether the client user sends an increment request or not; receiving an increment request sent by a client user and a submitted increment self-certification credential; analyzing an increment self-certification evidence according to the increment request to obtain user qualification data of the client user; and according to the primary quota, the user qualification data and the preset optimal quota, the corresponding user optimal quota is calculated, and the user optimal quota is returned to the client user, so that the problems of high cost and low timeliness of docking a third-party system are eliminated, and the operation efficiency of the risk control system is improved.

Description

Technical Field

[0001] The present application relates to the field of financial technology, and in particular to a user self-certification integrated method, device, electronic device and storage medium. Background Art

[0002] In terms of current financial data statistics, the proportion of individual income tax payers, provident fund payers, and social security payers in first- and second-tier cities is relatively high, and the proportion of individuals who own real estate and cars exceeds 50%. These users have good potential customer qualifications, but the data of local provident fund centers, vehicle management offices, real estate, social security bureaus and other related institutions are all managed independently, which makes it difficult for financial institutions to obtain corresponding data. When traditional financial risk management systems connect to local provident fund centers, vehicle management offices, real estate centers, social security bureaus and other institutions, not only is the process cumbersome and requires multiple rounds of communication, but also requires processing of subsequent technical costs such as data alignment, technical docking, and service upgrades, resulting in high access costs, long cycles, and poor real-time resolution of user funding needs, which in turn leads to poor user experience and a large loss of potential users. Summary of the invention

[0003] The main technical problem solved by the implementation methods of the present application is that the traditional financial risk management system has high technical costs, poor timeliness and low efficiency when connecting personal user businesses to third-party systems.

[0004] To solve the above technical problems, the first technical solution adopted in the implementation mode of the present application is: to provide an integrated user self-certification method, which is applied to the server, including: receiving user basic information sent by a client user, and detecting whether the client user meets the basic access conditions based on the user basic information; if the basic access conditions are met, obtaining the associated basic information of the client user, and calculating the corresponding primary credit limit based on the associated basic information; returning the primary credit limit to the client user, and monitoring whether the client user sends an increase request; receiving the increase request sent by the client user, and the submitted increase self-certification credential; parsing the increase self-certification credential according to the increase request to obtain the user qualification data of the client user; calculating the corresponding user optimal credit limit based on the primary credit limit, the user qualification data and the preset optimal credit limit, and returning the user optimal credit limit to the client user.

[0005] Optionally, before the step of parsing the self-certified increase credential according to the increase request, it also includes: querying the client user based on the user basic information whether the user's optimal credit limit in the calculation exists; if the user's optimal credit limit in the calculation exists, comparing whether the self-certified increase credential newly submitted by the client user is the same as the self-certified increase credential corresponding to the data in the calculation; if the self-certified increase credential is the same, discarding the self-certified increase credential newly submitted by the client user; if the self-certified increase credential is not the same, parsing the self-certified increase credential newly submitted by the client user according to the increase request after the calculation of the user's optimal credit limit in the calculation is completed.

[0006] Optionally, after the step of receiving the increase request sent by the client user and the submitted self-certification credential for increase, the step also includes: obtaining historical data of increase requests submitted by the client user; calculating the number of failed increase requests of the client user within a preset first time range based on the current system time and the historical data of increase requests; if the number of failed increase requests is less than a preset increase failure threshold, executing the step of parsing the self-certification credential based on the increase request.

[0007] Optionally, before the step of parsing the self-certified credential for the increase according to the increase request, it also includes: obtaining metadata of the self-certified credential for the increase, and detecting whether the self-certified credential for the increase has been modified or synthesized according to the metadata to obtain a first detection result; detecting whether the self-certified credential for the increase has been modified or synthesized by a preset image analysis tool or a video analysis tool to obtain a second detection result; if both the first detection result and the second detection result fail the detection, executing the step of parsing the self-certified credential for the increase according to the increase request.

[0008] In order to solve the above technical problems, the second technical solution adopted in the implementation mode of the present application is: to provide an integrated user self-certification method, which is applied to the client, including: sending user basic information to the server, so that the server detects whether the client user meets the basic access conditions based on the user basic information. If the basic access conditions are met, the associated basic information of the client user is obtained, and the corresponding primary credit limit is calculated based on the associated basic information; receiving the primary credit limit returned by the server, and determining whether to send an increase request based on the primary credit limit; when it is determined to send the increase request to the server, sending the increase self-certification credential corresponding to the increase request to the server, so that the server parses the increase self-certification credential to obtain user qualification data, and calculates the corresponding user optimal credit limit based on the primary credit limit, the user qualification data and the preset optimal credit limit; receiving the user optimal credit limit returned by the server.

[0009] Optionally, before the step of sending the increase self-certification credential corresponding to the increase request to the server, it also includes: jumping to the client application corresponding to the increase option according to the increase option selected by the client user; obtaining increase-related data from the client application using at least one data collection method of the client; and generating the corresponding increase self-certification credential based on the increase-related data and the user basic information.

[0010] To solve the above technical problems, the third technical solution adopted by the implementation method of the present application is: to provide an integrated user self-certification device, which is applied to the server, including: a first data receiving module, which is used to receive the user basic information sent by the client user, and detect whether the client user meets the basic access conditions according to the user basic information; a primary credit limit calculation module, which is used to obtain the associated basic information of the client user if the basic access conditions are met, and calculate the corresponding primary credit limit according to the associated basic information; a first data return module, which is used to return the primary credit limit to the client user and monitor whether the client user sends an increase request; a second data receiving module, which is used to receive the increase request sent by the client user and the submitted increase self-certification certificate; an increase self-certification certificate module, which is used to parse the increase self-certification certificate according to the increase request to obtain the user qualification data of the client user; a second data return module, which is used to calculate the corresponding user optimal credit limit according to the primary credit limit, the user qualification data and the preset optimal credit limit, and return the user optimal credit limit to the client user.

[0011] In order to solve the above technical problems, the fourth technical solution adopted in the implementation mode of the present application is: to provide an integrated user self-certification device, which is applied to the client, including: a first data processing module, which is used to send user basic information to the server, so that the server detects whether the client user meets the basic access conditions based on the user basic information. If the basic access conditions are met, the associated basic information of the client user is obtained, and the corresponding primary credit limit is calculated based on the associated basic information; a user increase request module, which is used to receive the primary credit limit returned by the server, and determine whether to send an increase request based on the primary credit limit; a second data processing module, which is used to send the increase self-certification credential corresponding to the increase request to the server when it is determined to send the increase request to the server, so that the server parses the increase self-certification credential, obtains user qualification data, and calculates the corresponding user optimal credit limit based on the primary credit limit, the user qualification data and the preset optimal credit limit; a user optimal credit limit module, which is used to receive the user optimal credit limit returned by the server.

[0012] To solve the above technical problems, the fifth technical solution adopted in the implementation mode of the present application is: to provide an electronic device, comprising: 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 user self-certification integrated method as described above.

[0013] In order to solve the above technical problems, the sixth technical solution adopted in the implementation mode of the present application is: providing a non-volatile computer-readable storage medium, wherein the non-volatile computer-readable storage medium stores computer-executable instructions. When the computer-executable instructions are executed by an electronic device, the electronic device executes the user self-certification integrated method as described above.

[0014] Different from the related technologies, this application not only eliminates the high cost and low timeliness problems when connecting to third-party systems, but also comprehensively and quickly evaluates user qualifications, provides the optimal amount based on user qualifications, and improves the operating efficiency of the financial risk management system. BRIEF DESCRIPTION OF THE DRAWINGS

[0015] One or more embodiments are exemplarily described by corresponding drawings, which do not constitute limitations on the embodiments. Elements with the same reference numerals in the drawings represent similar elements, and the figures in the drawings do not constitute proportional limitations unless otherwise stated.

[0016] Figure 1 It is a schematic diagram of the application environment of the integrated user self-certification method provided in the embodiment of the present application.

[0017] Figure 2 It is a schematic diagram of the execution flow of the integrated user self-certification method provided in the embodiment of the present application on the server side.

[0018] Figure 3 It is a schematic diagram of the execution flow of verifying the historical data of the increase request in the integrated method of user self-certification provided in the embodiment of the present application.

[0019] Figure 4 It is a schematic diagram of the execution process of checking for duplicates of incremental self-certification credentials in the integrated method of user self-certification provided in an embodiment of the present application.

[0020] Figure 5 It is a schematic diagram of the execution process of the incremental self-certification credential detection in the integrated user self-certification method provided in the embodiment of the present application.

[0021] Figure 6 It is a schematic diagram of the execution flow of the integrated user self-certification method provided in an embodiment of the present application on the client.

[0022] Figure 7 It is a schematic diagram of the execution process of generating an incremental self-certification credential in the integrated user self-certification method provided in an embodiment of the present application.

[0023] Figure 8 It is a structural diagram of the user self-certification integrated device provided in the embodiment of the present application applied to the server.

[0024] Fig. 9 It is a structural diagram of the user self-certification integrated device provided in the embodiment of the present application applied to the client.

[0025] Fig.10 It is a schematic diagram of the hardware structure of an electronic device that executes the integrated method of user self-certification provided in an embodiment of the present application. DETAILED DESCRIPTION

[0026] In order to make the purpose, technical solution and advantages of the present application more clearly understood, the present application is further described in detail below in conjunction with the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are only used to explain the present application and are not used to limit the present application.

[0027] It should be noted that, if there is no conflict, the various features in the embodiments of the present application can be combined with each other, all within the scope of protection of the present application. In addition, although the functional modules are divided in the device schematic diagram and the logical order is shown in the flow chart, in some cases, the steps shown or described can be performed in a different order than the module division in the device schematic diagram or the order in the flow chart.

[0028] Unless otherwise defined, all technical and scientific terms used in this specification have the same meaning as those commonly understood by those skilled in the art to which this application belongs. The terms used in the specification of this application are only for the purpose of describing specific embodiments and are not intended to limit this application. The term "and / or" used in this specification includes any and all combinations of one or more of the related listed items.

[0029] To facilitate understanding of this embodiment, we first introduce in detail a user self-certification integrated method disclosed in an embodiment of the present application. The executor of the user self-certification integrated method provided in the embodiment of the present application is generally an electronic device with certain computing capabilities, such as a computer device or a mobile terminal device. In some possible implementation methods, the user self-certification integrated method can be implemented by a processor calling program-readable instructions stored in a memory.

[0030] See also Figure 1 , Figure 1 Schematic diagram of the application environment of the user self-certification integrated method provided in the embodiment of the present application, such as Figure 1As shown, the client user initiates a credit application request to the server. When the server receives the credit application request, it calculates and returns the primary credit limit of the client user. If the client user has any objection to the primary credit limit, he or she can initiate an increase request and submit the corresponding increase certificate to the server. After the server receives the increase request and the increase certificate, it calculates and returns the optimal credit limit of the client user. In addition, the server can be a server. The server can be an independent server or a cloud server that provides basic cloud computing services such as cloud services, cloud databases, cloud computing, cloud functions, cloud storage, network services, cloud communications, middleware services, domain name services, security services, content delivery networks (CDNs), and big data and artificial intelligence platforms. It can be understood that Figure 1 The number of server devices and client devices in the figure is only for reference and can be expanded to any number according to actual needs.

[0031] Please continue reading Figure 2 , Figure 2 : is a schematic diagram of the execution flow of the user self-certification integrated method provided in the embodiment of the present application on the server side, such as Figure 2 As shown, the following steps are included:

[0032] S11. Receive basic user information sent by the client user, and detect whether the client user meets the basic access conditions according to the basic user information.

[0033] Among them, judging whether the basic entry conditions are met, in addition to the basic entry conditions in the financial industry, such as the user's current age must meet the age requirement, also includes other third-party data, such as whether there is a record of default.

[0034] S12. If the basic admission conditions are met, the associated basic information of the client user is obtained, and the corresponding primary credit limit is calculated based on the associated basic information.

[0035] Among them, the above-mentioned related basic information can be user-related data that can be obtained more directly by the corresponding financial system, such as the policy data of insurance purchased by the user from an insurance institution, the report data of the user at the People's Bank of China, the salary payment information data of the user at the bank, and the financial asset information data under the user's name.

[0036] S13: Return the primary credit limit to the client user, and monitor whether the client user sends a credit limit increase request.

[0037] Among them, the client user can decide whether to increase the credit limit based on the primary credit limit. For example, if the client user believes that the returned primary credit limit cannot meet his or her own credit limit needs, he or she can provide more self-certifying credentials to prove that a higher credit limit can be obtained, such as real estate and cars under the user's name, records of the user's personal income tax and social security payments, and other credential data that can prove the user's financial ability.

[0038] S14. Receive the credit limit increase request sent by the client user and the submitted credit limit increase self-certification certificate.

[0039] As an optional implementation, please continue to refer to Figure 3 , Figure 3 : is a schematic diagram of the execution flow of verifying the historical data of the increase request in the integrated method of user self-certification provided in the embodiment of the present application, such as Figure 3 As shown, after the above step S14, the following steps may also be included:

[0040] S141, obtaining historical data of credit limit increase requests submitted by client users. For example, obtaining historical data of credit limit increase requests submitted by a certain client within 7 days before the current system time.

[0041] S142: Calculate the number of failed credit request requests by the client user within a preset first time range according to the current system time and credit request history data. For example, it is calculated that a certain client user submitted 6 failed credit request requests within 24 hours before the current system time.

[0042] S143: If the number of increase request failures is less than the preset increase failure threshold, executing the step of parsing the increase self-certification credential according to the increase request.

[0043] Among them, judging the newly submitted increase request by the user based on the increase request history data can effectively improve the efficiency of the system in processing the user's increase request. Because for users who frequently submit increase requests close to the current system time, if the processing results of the frequently submitted increase requests are all increase failures, there is no need to repeatedly process the new increase request submitted by the user in a short period of time. After all, the probability of the user's asset situation changing in a short period of time is very low.

[0044] S15. parse the increase self-certification credential according to the increase request to obtain the user qualification data of the client user.

[0045] As an optional implementation, please continue to refer to Figure 4 , Figure 4 : is a schematic diagram of the execution flow of the incremental self-certification credential check in the integrated user self-certification method provided in the embodiment of the present application, such as Figure 4As shown, before the process of parsing the amount increase self-certification credential according to the amount increase request in step S15, the following steps may also be included:

[0046] S151. Query the client user based on the user basic information to see whether the user's optimal quota is being calculated.

[0047] S152. If there is an optimal credit limit for the user being calculated, compare whether the newly submitted self-certified credit limit voucher for the client user is the same as the self-certified credit limit voucher for the user corresponding to the data being calculated.

[0048] If there is an optimal credit limit for the user being calculated, it means that the credit limit increase request submitted by the client user last time has not been processed yet.

[0049] S153. If the credit limit self-certification vouchers are the same, the credit limit self-certification voucher newly submitted by the client user is discarded. Therefore, the credit limit self-certification voucher newly submitted by the client user does not affect the optimal credit limit of the user being calculated, that is, the optimal credit limit of the user calculated by the credit limit self-certification voucher newly submitted by the client user will be the same as the optimal credit limit of the user calculated by the credit limit self-certification voucher submitted last time.

[0050] S154, if the increment self-certification vouchers are different, after the calculation of the optimal user limit in the calculation is completed, the increment self-certification voucher newly submitted by the client user is parsed according to the increment request. That is, the calculation is performed sequentially in the form of a queue. However, for some requirements that the calculation time is as short as possible, the current calculation process can be terminated, and the increment self-certification voucher newly submitted by the client user is used to perform a new user optimal limit calculation, so as to reduce the calculation time and improve the operation speed of the system.

[0051] As another optional implementation, please continue to refer to Figure 5 , Figure 5 : is a schematic diagram of the execution flow of the incremental self-certification credential detection in the user self-certification integrated method provided in the embodiment of the present application, such as Figure 5 As shown, before the process of parsing the amount increase self-certification credential according to the amount increase request in step S15, the following steps may also be included:

[0052] S155. Obtain metadata of the incremental self-certification credential, and detect whether the incremental self-certification credential has been modified or synthesized based on the metadata to obtain a first detection result.

[0053] Among them, the incremental self-certification credential uploaded by the client user can be image data or video data. By obtaining the metadata of the corresponding image data or video data and performing corresponding detection based on the metadata, it can be known whether the image data or video data uploaded by the client user is modified or synthesized data.

[0054] S156: Detect whether the amount-increase self-certification voucher has been modified or synthesized by using a preset image analysis tool or video analysis tool to obtain a second detection result. The specific image analysis tool and video analysis tool, as well as the corresponding use steps of the tool, are not described in detail here.

[0055] S157: If both the first test result and the second test result fail the test, executing the step of parsing the increase self-certification credential according to the increase request.

[0056] Among them, if there is a situation where the test fails in the above-mentioned first test result or the second test result, a manual verification step can be added to improve the accuracy of the verification of the user's self-certification certificate for additional amount.

[0057] S16. Calculate the corresponding user optimal credit limit according to the primary credit limit, user qualification data and the preset optimal credit limit, and return the user optimal credit limit to the client user.

[0058] Among them, the calculation process of the user's optimal credit limit can design different calculation algorithms according to the specific implementation scenario or business needs. For example, the user's optimal credit limit is to add a new credit limit based on the user's qualification data on the basis of the primary credit limit, or the user's optimal credit limit is to recalculate a new credit limit based on the user's qualification data.

[0059] Please continue reading Figure 6 , Figure 6 : is a schematic diagram of the execution flow of the user self-certification integrated method provided in the embodiment of the present application on the client side, such as Figure 6 As shown, the following steps are included:

[0060] S21. Send the user basic information to the server, so that the server detects whether the client user meets the basic access conditions according to the user basic information. If the basic access conditions are met, the associated basic information of the client user is obtained, and the corresponding primary credit limit is calculated according to the associated basic information.

[0061] S22. Receive the primary credit limit returned by the server, and determine whether to send an increase request based on the primary credit limit.

[0062] S23. When it is determined to send an increase request to the server, the increase self-certification credential corresponding to the increase request is sent to the server, so that the server parses the increase self-certification credential, obtains the user qualification data, and calculates the corresponding user optimal credit limit based on the primary credit limit, the user qualification data and the preset optimal credit limit.

[0063] As an optional implementation, please continue to refer to Figure 7 , Figure 7 : is a schematic diagram of the execution flow of generating an incremental self-certification credential in the user self-certification integrated method provided in the embodiment of the present application, such as Figure 7As shown, before the process of sending the increase self-certification credential corresponding to the increase request to the server in step S23, it also includes:

[0064] S231. Jump to the client application corresponding to the increase option according to the increase option selected by the client user. For example, when the user selects personal income tax as the increase option, jump to the personal income tax application installed on the client; when the user selects social security as the increase option, jump to the social security application installed on the client.

[0065] S232. Use at least one data collection method of the client to obtain the increase-related data from the client application.

[0066] The above data collection methods include but are not limited to: screenshots, screen recordings, etc. In addition, before the corresponding data collection is carried out, the client user's data authorization for data collection should also be obtained, that is, the corresponding data collection can only be carried out after the client user has authorized the data.

[0067] S233. Generate a corresponding self-certification voucher for the amount increase based on the amount increase-related data and the basic user information.

[0068] For example, adding watermark information generated by user basic information or data fingerprint information to the corresponding collected incremental associated data (such as pictures or videos) can not only prevent the incremental associated data from being tampered with, but also prevent the incremental associated data containing client user privacy from being abused.

[0069] S24. Receive the user's optimal credit limit returned by the server.

[0070] The integrated user self-certification method provided in the embodiment of the present application receives user basic information sent by a client user, and detects whether the client user meets the basic access conditions based on the user basic information; if the basic access conditions are met, the associated basic information of the client user is obtained, and the corresponding primary credit limit is calculated based on the associated basic information; the primary credit limit is returned to the client user, and it is monitored whether the client user sends an increase request; the increase request sent by the client user, and the submitted increase self-certification credential are received; the increase self-certification credential is parsed according to the increase request to obtain the user qualification data of the client user; the corresponding user optimal credit limit is calculated according to the primary credit limit, user qualification data and a preset optimal credit limit, and the user optimal credit limit is returned to the client user, which not only eliminates the high cost and low timeliness problems when connecting to a third-party system, but also comprehensively and quickly evaluates the user qualifications, provides the optimal credit limit based on the user qualifications, and improves the operating efficiency of the financial risk management system.

[0071] Please continue reading Figure 8 , Figure 8is a structural diagram of the user self-certification integrated device provided in the embodiment of the present application applied to the server, such as Figure 8 As shown, the device includes: a first data receiving module 81, a primary credit limit calculation module 82, a first data return module 83, a second data receiving module 84, an increase self-certification credential module 85 and a second data return module 86.

[0072] The first data receiving module 81 is used to receive basic user information sent by a client user, and detect whether the client user meets the basic access conditions according to the basic user information.

[0073] The primary credit limit calculation module 82 is used to obtain the associated basic information of the client user if the basic access conditions are met, and calculate the corresponding primary credit limit according to the associated basic information.

[0074] The first data returning module 83 is used to return the primary credit limit to the client user and monitor whether the client user sends a credit limit increase request.

[0075] The second data receiving module 84 is used to receive the credit limit increase request sent by the client user and the credit limit increase self-certification certificate submitted.

[0076] The increment self-certification credential module 85 is used to parse the increment self-certification credential according to the increment request to obtain the user qualification data of the client user.

[0077] The second data returning module 86 is used to calculate the corresponding user optimal credit limit according to the primary credit limit, the user qualification data and the preset optimal credit limit, and return the user optimal credit limit to the client user.

[0078] The second data receiving module 84 is also used to obtain the historical data of increase requests submitted by the client user; calculate the number of failed increase requests of the client user within a preset first time range based on the current system time and the historical data of increase requests; if the number of failed increase requests is less than the preset increase failure threshold, execute the step of parsing the increase self-certification credential based on the increase request.

[0079] The self-certified credential module 85 is also used to query whether the client user has the user's optimal credit limit being calculated based on the user basic information; if the user's optimal credit limit being calculated exists, compare whether the self-certified credential for increase newly submitted by the client user is the same as the self-certified credential for increase corresponding to the data in the calculation; if the self-certified credential for increase is the same, discard the self-certified credential for increase newly submitted by the client user; if the self-certified credential for increase is not the same, then after the calculation of the user's optimal credit limit in the calculation is completed, parse the self-certified credential for increase newly submitted by the client user according to the increase request.

[0080] The incremental self-certifying credential module 85 is also used to obtain the metadata of the incremental self-certifying credential, and detect whether the incremental self-certifying credential has been modified or synthesized based on the metadata to obtain a first detection result; detect whether the incremental self-certifying credential has been modified or synthesized through a preset image analysis tool or video analysis tool to obtain a second detection result; if both the first detection result and the second detection result fail the detection, the step of parsing the incremental self-certifying credential according to the incremental request is executed.

[0081] Please continue reading Fig. 9 , Fig. 9 is a schematic diagram of the structure of the user self-certification integrated device provided in the embodiment of the present application applied to the client, such as Fig. 9 As shown, the device includes: a first data processing module 91, a user credit limit request module 92, a second data processing module 93 and a user optimal credit limit module 94.

[0082] The first data processing module 91 is used to send user basic information to the server, so that the server detects whether the client user meets the basic access conditions based on the user basic information. If the basic access conditions are met, the associated basic information of the client user is obtained, and the corresponding primary credit limit is calculated based on the associated basic information.

[0083] The user credit limit increase request module 92 is used to receive the primary credit limit returned by the server, and determine whether to send a credit limit increase request according to the primary credit limit.

[0084] The second data processing module 93 is used to send the increase request corresponding to the increase request to the server when it is determined to send the increase request to the server, so that the server can parse the increase request, obtain the user qualification data, and calculate the corresponding user optimal credit limit based on the primary credit limit, the user qualification data and the preset optimal credit limit.

[0085] The user optimal credit limit module 94 is used to receive the user optimal credit limit returned by the server.

[0086] The second data processing module 93 is also used to jump to the client application corresponding to the increase option according to the increase option selected by the client user; use at least one data collection method of the client to obtain increase-related data from the client application; and generate the corresponding increase self-certification credential based on the increase-related data and the user basic information.

[0087] It should be noted that the above-mentioned user self-certification integrated device can execute the user self-certification integrated method provided in the embodiment of the present application, and has the corresponding functional modules and beneficial effects of the execution method. For technical details not fully described in the embodiment of the user self-certification integrated device, please refer to the user self-certification integrated method provided in the embodiment of the present application.

[0088] Fig.10 is a schematic diagram of the hardware structure of an electronic device 100 for executing the user self-certification integrated method provided in an embodiment of the present application, such as Fig.10 As shown, the electronic device 100 includes:

[0089] One or more processors 110 and memory 120, Fig.10 A processor 110 is taken as an example.

[0090] The processor 110 and the memory 120 may be connected via a bus or other means. Fig.10 The example of connecting through bus is taken in the following.

[0091] The memory 120, as a non-volatile computer-readable storage medium, can be used to store non-volatile software programs, non-volatile computer executable programs and modules, such as program instructions / modules corresponding to the user self-certification integrated method in the embodiment of the present application. The processor 110 executes various functional applications and data processing of the server by running the non-volatile software programs, instructions and modules stored in the memory 120, that is, realizing the user self-certification integrated method in the above method embodiment.

[0092] The memory 120 may include a program storage area and a data storage area, wherein the program storage area may store an operating system and applications required for at least one function; the data storage area may store data created according to the use of the user self-certification integrated device, etc. In addition, the memory 120 may include a high-speed random access memory, and may also include a non-volatile memory, such as at least one disk storage device, a flash memory device, or other non-volatile solid-state storage device. In some embodiments, the memory 120 may optionally include a memory remotely arranged relative to the processor 110, and these remote memories may be connected to the user self-certification integrated device via a network. Examples of the above-mentioned network include, but are not limited to, the Internet, an intranet, a local area network, a mobile communication network, and combinations thereof.

[0093] The one or more modules are stored in the memory 120, and when executed by the one or more processors 110, perform the user self-certification integrated method in any of the above method embodiments, for example, perform the above described Figure 2 Steps S11 to S16 of the method, Figure 3 Steps S141 to S143 of the method, Figure 4Steps S151 to S154 of the method, Figure 5 Steps S155 to S157 of the method, Figure 6 Steps S21 to S24 of the method, Figure 7 Steps S231 to S233 of the method are implemented Figure 8 Modules 81-86 and Fig. 9 The functions of modules 91-94 in.

[0094] The above-mentioned product can execute the method provided in the embodiment of the present application, and has the functional modules and beneficial effects corresponding to the execution method. For technical details not fully described in this embodiment, please refer to the method provided in the embodiment of the present application.

[0095] The embodiment of the present application provides a non-volatile computer-readable storage medium, wherein the non-volatile computer-readable storage medium stores computer-executable instructions, and the computer-executable instructions are executed by one or more processors, such as Fig.10 A processor 110 in the embodiment may enable the one or more processors to execute the user self-certification integrated method in any of the above method embodiments, for example, executing the above described Figure 2 Steps S11 to S16 of the method, Figure 3 Steps S141 to S143 of the method, Figure 4 Steps S151 to S154 of the method, Figure 5 Steps S155 to S157 of the method, Figure 6 Steps S21 to S24 of the method, Figure 7 Steps S231 to S233 of the method are implemented Figure 8 Modules 81-86 and Fig. 9 The functions of modules 91-94 in.

[0096] The present application embodiment provides a computer program product, the computer program product includes a computer program stored on a non-volatile computer-readable storage medium, the computer program includes program instructions, when the program instructions are executed by the electronic device, the electronic device is enabled to execute the user self-certification integrated method in any of the above method embodiments, for example, execute the above described Figure 2 Steps S11 to S16 of the method, Figure 3 Steps S141 to S143 of the method, Figure 4 Steps S151 to S154 of the method, Figure 5 Steps S155 to S157 of the method, Figure 6 Steps S21 to S24 of the method, Figure 7 Steps S231 to S233 of the method are implemented Figure 8 Modules 81-86 and Fig. 9 The functions of modules 91-94 in.

[0097] The device embodiments described above are merely illustrative, wherein the units described as separate components may or may not be physically separated, and the components shown as units may or may not be physical units, that is, they may be located in one place or distributed on multiple network units. Some or all of the modules may be selected according to actual needs to achieve the purpose of the solution of this embodiment.

[0098] Through the description of the above implementation methods, ordinary technicians in this field can clearly understand that each implementation method can be implemented by means of software plus a general hardware platform, and of course, it can also be implemented by hardware. Ordinary technicians in this field can understand that all or part of the processes in the above-mentioned embodiment method can be completed by instructing related hardware through a computer program, and the program can be stored in a computer-readable storage medium. When the program is executed, it can include the processes of the embodiments of the above-mentioned methods. Among them, the storage medium can be a disk, an optical disk, a read-only memory (ROM) or a random access memory (RAM), etc.

[0099] Finally, it should be noted that the above embodiments are only used to illustrate the technical solutions of the present application, rather than to limit them. Under the concept of the present application, the technical features in the above embodiments or different embodiments can also be combined, the steps can be implemented in any order, and there are many other changes in different aspects of the present application as described above, which are not provided in detail for the sake of simplicity. Although the present application has been described in detail with reference to the aforementioned embodiments, a person of ordinary skill in the art should understand that the technical solutions described in the aforementioned embodiments can still be modified, or some of the technical features can be replaced by equivalents. These modifications or replacements do not deviate the essence of the corresponding technical solutions from the scope of the technical solutions of the embodiments of the present application.

Claims

1. A user self-certification integrated method, applied to the server, characterized in that: include: Receiving basic user information sent by a client user, and detecting whether the client user meets basic access conditions according to the basic user information; If the basic access conditions are met, the associated basic information of the client user is obtained, and the corresponding primary credit limit is calculated according to the associated basic information; Returning the primary credit limit to the client user, and monitoring whether the client user sends a credit limit increase request; Receive a credit increase request and a self-certification certificate for credit increase sent by the client user; Parsing the credit increase self-certification credential according to the credit increase request to obtain user qualification data of the client user; The corresponding user optimal credit limit is calculated according to the primary credit limit, the user qualification data and the preset optimal credit limit, and the user optimal credit limit is returned to the client user.

2. The user self-certification integrated method according to claim 1, characterized in that: Before the step of parsing the amount increase self-certification credential according to the amount increase request, the method further includes: querying, according to the user basic information, whether the client user has the user optimal quota being calculated; If there is an optimal credit limit for the user being calculated, compare whether the newly submitted credit limit self-certification voucher for the client user is the same as the credit limit self-certification voucher for the user being calculated; If the incremental self-certification credentials are the same, the incremental self-certification credentials newly submitted by the client user are discarded; If the self-certification credentials for the increase are not the same, then after the calculation of the optimal credit limit of the user in the calculation is completed, the self-certification credentials for the increase newly submitted by the client user are parsed according to the increase request.

3. The user self-certification integrated method according to claim 1, characterized in that: After the step of receiving the increase request sent by the client user and the step of submitting the increase self-certification certificate, the method further includes: Obtaining historical data of credit limit increase requests submitted by the client user; Calculate the number of failed increase requests by the client user within a preset first time range according to the current system time and the increase request history data; If the number of failed increase requests is less than a preset increase failure threshold, the step of parsing the increase self-certification credential according to the increase request is performed.

4. The user self-certification integrated method according to claim 1, characterized in that: Before the step of parsing the amount increase self-certification credential according to the amount increase request, the method further includes: Obtaining metadata of the incremental self-certified credential, and detecting whether the incremental self-certified credential has been modified or synthesized according to the metadata to obtain a first detection result; Detecting whether the amount-increase self-certification voucher has been modified or synthesized by using a preset image analysis tool or video analysis tool to obtain a second detection result; If both the first test result and the second test result fail the test, the step of parsing the increase self-certification credential according to the increase request is executed.

5. A user self-certification integrated method, applied to a client, characterized in that: include: Sending user basic information to the server, so that the server detects whether the client user meets the basic access conditions according to the user basic information, and if the basic access conditions are met, obtaining the associated basic information of the client user, and calculating the corresponding primary credit limit according to the associated basic information; receiving the primary credit limit returned by the server, and determining whether to send a credit limit increase request according to the primary credit limit; When it is determined to send the increase request to the server, the increase self-certification credential corresponding to the increase request is sent to the server, so that the server parses the increase self-certification credential to obtain the user qualification data, and calculates the corresponding user optimal credit limit according to the primary credit limit, the user qualification data and the preset optimal credit limit; Receive the optimal credit limit of the user returned by the server.

6. The user self-certification integrated method according to claim 5, characterized in that: Before the step of sending the increment self-certification voucher corresponding to the increment request to the server, the step further includes: According to the increase option selected by the client user, jump to the client application corresponding to the increase option; Acquire the amount increase-related data from the client application using at least one data collection method of the client; The corresponding amount-increase self-certification credential is generated according to the amount-increase associated data and the user basic information.

7. A user self-certification integrated device, applied to a server, characterized in that: include: A first data receiving module is used to receive basic user information sent by a client user, and detect whether the client user meets the basic access conditions according to the basic user information; A primary credit limit calculation module, used to obtain the associated basic information of the client user if the basic access conditions are met, and calculate the corresponding primary credit limit according to the associated basic information; A first data return module, used for returning the primary credit limit to the client user, and monitoring whether the client user sends a credit limit increase request; A second data receiving module is used to receive the increase request sent by the client user and the submitted increase self-certification certificate; An increase self-certification credential module, used to parse the increase self-certification credential according to the increase request to obtain the user qualification data of the client user; The second data returning module is used to calculate the corresponding user optimal credit limit according to the primary credit limit, the user qualification data and the preset optimal credit limit, and return the user optimal credit limit to the client user.

8. A user self-certification integrated device, applied to a client, characterized in that: include: The first data processing module is used to send the user basic information to the server, so that the server detects whether the client user meets the basic access conditions according to the user basic information, and if the basic access conditions are met, obtain the associated basic information of the client user, and calculate the corresponding primary credit limit according to the associated basic information; A user credit limit request module, configured to receive the primary credit limit returned by the server, and determine whether to send a credit limit request according to the primary credit limit; A second data processing module is used for, when it is determined to send the increase request to the server, sending the increase self-certification credential corresponding to the increase request to the server, so that the server parses the increase self-certification credential to obtain user qualification data, and calculates the corresponding user optimal credit limit according to the primary credit limit, the user qualification data and the preset optimal credit limit; The user optimal credit limit module is used to receive the user optimal credit limit returned by the server.

9. An electronic device, characterized in that: include: at least one processor; as well as, a memory 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 user self-certification integrated method described in any one of claims 1-4 or claims 5-6.

10. A non-volatile computer-readable storage medium, characterized in that: The non-volatile computer-readable storage medium stores computer-executable instructions. When the computer-executable instructions are executed by an electronic device, the electronic device executes the user self-certification integrated method described in any one of claims 1-4 or claims 5-6.

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