Certificate request processing method and device, equipment, storage medium and program product

Abstract

The invention relates to the field of data processing, and particularly discloses a verification request processing method and device, computer equipment, a computer readable storage medium and a computer program product, which are applied to a server. The method comprises the following steps: when a confirmation request sent by a client is received, obtaining application table information corresponding to the confirmation request, and sending the application table information to the client; determining a target service management server according to the verification request, and sending a data acquisition request to the target service management server; receiving input information sent by the client and a confirmation application item sent by the target business management server, performing hosting audit on a user of the client according to the input information and the confirmation application item to obtain a hosting audit result, and generating a hosting voucher under the condition that the hosting audit result shows that the audit is passed; and sending the trusteeship voucher to the client. By adopting the method, the intelligence in the trusteeship voucher generation process can be improved.

Description

Technical Field

[0001] The present application relates to the field of data processing, and in particular to a method, apparatus, computer device, computer-readable storage medium and computer program product for processing a verification request. Background Art

[0002] With the rapid development of financial technology, related applications such as asset preservation services, asset extraction services, and asset custody services have emerged in the financial industry. In particular, in the application of asset custody services, users can act as principals, and banks and other financial institutions can act as asset custodians, entrusting users' assets to banks and other financial institutions for management. For example, users can place securities holdings, physical property documents, physical certificates of deposit and other assets under asset custody. When users need to prove their asset information, they can obtain the corresponding custody certificate through the asset custody service application, and then prove the asset information based on the custody certificate.

[0003] However, in the above-mentioned asset custody service application, there is a problem of insufficient intelligence in the custody certificate generation process. Summary of the invention

[0004] Based on this, it is necessary to provide a method, device, computer equipment, computer-readable storage medium and computer program product for processing inquiry requests that can improve the intelligence of the custody certificate generation process in response to the above-mentioned technical problems.

[0005] In a first aspect, the present application provides a method for processing a verification request, which is applied to a server and includes:

[0006] When receiving a confirmation request sent by a client, obtaining application form information corresponding to the confirmation request, and sending the application form information to the client;

[0007] Determine a target business management server according to the verification request, and send a data acquisition request to the target business management server; the data acquisition request is used to obtain certification materials for the escrow business;

[0008] receiving input information sent by the client and confirmation application items sent by the target business management server, and performing a custody audit on the user of the client according to the input information and the confirmation application items, obtaining a custody audit result, and generating a custody certificate if the custody audit result indicates that the audit is passed;

[0009] The escrow credential is sent to the client.

[0010] In one embodiment, the performing of a trusteeship audit on the user of the client according to the input information and the verification application matters to obtain a trusteeship audit result includes:

[0011] Reviewing the identity of the user according to the input information to obtain a first review result;

[0012] Reviewing the user's reply letter according to the confirmation application matters to obtain a second review result;

[0013] When the first audit result indicates that the user is a legitimate user and the second audit result indicates an automatic reply, it is determined that the management audit result indicates that the audit is passed.

[0014] In one embodiment, the input information includes a user ID and image information, and the identity of the user is reviewed according to the input information to obtain a first review result, including:

[0015] Determine whether the user is the entrusted user according to the user ID and the whitelist user ID;

[0016] If the user is the entrusted user, the image information is compared with the original image information of the user in the database to see if they are consistent. If the image information is consistent with the original image information, it is determined that the first audit result indicates that the user is the legal user; if the image information is inconsistent with the original image information, it is determined that the first audit result indicates that the user is not the legal user.

[0017] In one embodiment, the step of reviewing the user's reply letter according to the confirmation application to obtain a second review result includes:

[0018] Determine the number of items included in the confirmation application, and determine whether there is corresponding business data under each item;

[0019] If the quantity meets the preset quantity requirement and the business data exists under the matter entry, it is determined that the second review result indicates an automatic reply; if the quantity does not meet the preset quantity requirement, or the business data does not exist under the matter entry, it is determined that the second review result indicates a manual reply.

[0020] In one embodiment, when the first audit result indicates that the user is a legitimate user and the second audit result indicates an automatic reply, the method further includes:

[0021] Sending a protocol acquisition request to the target service management server;

[0022] receiving the escrow agreement of the user returned by the target business management server based on the agreement acquisition request, and reviewing the validity of the escrow agreement to obtain a third review result;

[0023] If the third review result indicates that the custody agreement is valid, then determining that the custody review result is approved;

[0024] If the third audit result indicates that the custody agreement is invalid, then the custody audit result is determined to be audit failure.

[0025] In one embodiment, when the first audit result indicates that the user is a legitimate user and the second audit result indicates an automatic reply, the method further includes:

[0026] Determine whether the audit time exceeds the preset timing duration;

[0027] If the review time exceeds the preset timing time, the confirmation request is placed in the request queue to wait for processing;

[0028] If the audit time does not exceed the preset timing duration, the step of sending a protocol acquisition request to the target business management server is executed.

[0029] In one embodiment, generating a custody certificate when the custody audit result indicates that the audit is passed includes:

[0030] When the custody audit result indicates that the audit is passed, the custody certificate is generated according to the corresponding business data under each item in the confirmation application.

[0031] In one embodiment, the method further comprises:

[0032] When the escrow audit result indicates that the audit has failed, manual reply instruction information is sent to the client; the manual reply instruction information is used to instruct the client to display the manual reply instruction information in the target application interface to instruct the user to obtain the escrow certificate manually; the manual reply instruction information includes any one of the address information of the escrow processing unit, the escrow consulting platform information, and the escrow audit result.

[0033] In a second aspect, the present application further provides a method for processing a confirmation request, which is applied to a client, the method comprising: in response to a triggering operation of a hosted service function control in a target application interface on the client, sending a confirmation request to a server;

[0034] receiving application form information returned by the server based on the verification request, generating an application form according to the application form information, and displaying the application form on the target application interface;

[0035] In response to an input operation on the application form, input information corresponding to the input operation is sent to the server; the input information is used to instruct the server to perform a trusteeship audit on the user of the client according to the input information and the confirmation application items sent by the target business management server, obtain a trusteeship audit result, and generate a trusteeship certificate if the trusteeship audit result indicates that the audit is passed;

[0036] The escrow credential returned by the server based on the input information is received.

[0037] In one embodiment, the method further comprises:

[0038] receiving manual reply instruction information sent by the server; the manual reply instruction information includes any one of the address information of the unit to which the escrow processing belongs, the escrow consultation platform information, and the escrow audit result;

[0039] The manual reply instruction information is displayed in the target application interface.

[0040] In a third aspect, the present application further provides a verification request processing device, which is applied to a server and includes:

[0041] An acquisition module, configured to, upon receiving a confirmation request sent by a client, acquire application form information corresponding to the confirmation request and send the application form information to the client;

[0042] A first determination module, configured to determine a target business management server according to the verification request, and send a data acquisition request to the target business management server;

[0043] A first processing module is used to receive input information sent by the client and confirmation application items sent by the target business management server, and perform a custody audit on the user of the client according to the input information and the confirmation application items to obtain a custody audit result, and generate a custody certificate when the custody audit result indicates that the audit is passed;

[0044] The first sending module is used to send the escrow certificate to the client.

[0045] In a fourth aspect, the present application further provides a verification request processing device, which is applied to a client, and includes:

[0046] A fourth sending module, configured to send a confirmation request to the server in response to a triggering operation on a hosting service function control in a target application interface on the client;

[0047] A second receiving module, configured to receive the application form information returned by the server based on the verification request, generate an application form according to the application form information, and display the application form on the target application interface;

[0048] a fifth sending module, configured to send input information corresponding to the input operation to the server in response to an input operation on the application form; the input information is used to instruct the server to perform a trusteeship audit on the user of the client according to the input information and the confirmation application items sent by the target business management server, obtain a trusteeship audit result, and generate a trusteeship certificate when the trusteeship audit result indicates that the audit is passed;

[0049] A sixth receiving module is used to receive the escrow credential returned by the server based on the input information.

[0050] In a fifth aspect, the present application further provides a computer device, comprising a memory and a processor, wherein the memory stores a computer program, and when the processor executes the computer program, the steps of the methods described in the first and second aspects above are implemented.

[0051] In a sixth aspect, the present application further provides a computer-readable storage medium having a computer program stored thereon, and when the computer program is executed by a processor, the steps of the methods described in the first and second aspects above are implemented.

[0052] In a seventh aspect, the present application further provides a computer program product, comprising a computer program, which, when executed by a processor, implements the steps of the methods described in the first and second aspects above.

[0053] In the above-mentioned confirmation request processing method, device, computer equipment, computer-readable storage medium and computer program product, when the server receives the confirmation request sent by the client, it can obtain the application form information corresponding to the confirmation request and send the application form information to the client. Then, the target business management server is determined according to the confirmation request, and a data acquisition request is sent to the target business management server to obtain the certification materials of the custody business. Then, the input information sent by the client and the confirmation application items sent by the target business management server are received, and the user of the client is subject to custody audit according to the input information and the confirmation application items, and the custody audit result is obtained, and the custody certificate is generated when the custody audit result indicates that the audit is passed. Then, the custody certificate is sent to the client. Since the server can perform custody audit on the user of the client according to the obtained input information and confirmation application items, and generate the custody certificate when the audit is passed, no manual auxiliary audit is required in the audit process, so that the security and reliability of the custody certificate generation process can be guaranteed, and the efficiency of the custody certificate generation process can be improved, so that the generation of custody certificates in the asset custody service application can be realized safely and efficiently, and the intelligence of the custody certificate generation process is improved. BRIEF DESCRIPTION OF THE DRAWINGS

[0054] In order to more clearly illustrate the technical solutions in the embodiments of the present application or related technologies, the drawings required for use in the embodiments of the present application or related technical descriptions will be briefly introduced below. Obviously, the drawings described below are only some embodiments of the present application. For ordinary technicians in this field, other related drawings can be obtained based on these drawings without paying creative work.

[0055] FIG1 is an application environment diagram of a method for processing a verification request in one embodiment;

[0056] FIG2 is a schematic flow chart of a method for processing a confirmation request in one embodiment;

[0057] FIG3 is a schematic diagram of a flow chart of S203 in another embodiment;

[0058] FIG4 is a schematic diagram of a flow chart of S301 in another embodiment;

[0059] FIG5 is a schematic diagram of the process of S302 in another embodiment;

[0060] FIG6 is a flow chart of a method for processing a confirmation request in another embodiment;

[0061] FIG7 is a flow chart of a method for processing a confirmation request in another embodiment;

[0062] FIG8 is a flow chart of a method for processing a confirmation request in another embodiment;

[0063] FIG9 is a flow chart of a method for processing a confirmation request in another embodiment;

[0064] FIG10 is a block diagram of a device for processing a verification request in one embodiment;

[0065] FIG11 is a block diagram of a device for processing a verification request in another embodiment;

[0066] FIG. 12 is a diagram showing the internal structure of a computer device in one embodiment. DETAILED DESCRIPTION

[0067] In order to make the purpose, technical solutions and advantages of the present application clearer, 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. It should be noted that in the embodiments of the present application, certain software, groups, models and other existing solutions in the industry may be mentioned, which should be considered as exemplary, and their purpose is only to illustrate the feasibility of the implementation of the technical solution of the present application, but it does not mean that the applicant has or will necessarily use the solution.

[0068] It should be noted that the user information (including but not limited to user device information, user personal information, etc.) and data (including but not limited to data used for analysis, stored data, displayed data, etc.) involved in this application are all information and data authorized by the user or fully authorized by all parties, and the collection, use and processing of relevant data must comply with relevant regulations. The acquisition, storage, use, and processing of data in the technical solution of this application are in compliance with relevant provisions of national laws and regulations.

[0069] The processing method of the confirmation request provided in the embodiment of the present application can be applied in the implementation environment shown in FIG. 1 . Among them, the server 102 communicates with the client 104 through the network. The data storage system can store the data that the server 102 needs to process. The data storage system can be integrated on the server 102, or it can be placed on the cloud or other network servers. When the server 102 receives the confirmation request sent by the client 104, it obtains the application form information corresponding to the confirmation request, and sends the application form information to the client 104. Then, according to the confirmation request, the target business management server is determined, and a data acquisition request is sent to the target business management server. Then, the input information sent by the client 104 and the confirmation application items sent by the target business management server are received, and the user of the client is managed and audited according to the input information and the confirmation application items, and the managed audit result is obtained, and the managed credential is generated when the managed audit result indicates that the audit is passed, and then the managed credential is sent to the client 104. Among them, the client 104 can be, but not limited to, various personal computers, laptops, smart phones, tablet computers, Internet of Things devices and portable wearable devices. The Internet of Things devices can be smart speakers, smart TVs, smart air conditioners, smart car-mounted devices, etc. The portable wearable device may be a smart watch, a smart bracelet, a head-mounted device, etc. The server 102 may be implemented as an independent server or a server cluster consisting of multiple servers.

[0070] In an exemplary embodiment, as shown in FIG. 2 , a method for processing a verification request is provided, which is described by taking the method applied to the server in FIG. 1 as an example, and includes the following steps:

[0071] S201, when receiving a confirmation request sent by a client, obtaining application form information corresponding to the confirmation request, and sending the application form information to the client.

[0072] It should be noted that in the embodiment of the present application, the process of generating custody certificates in the asset custody application is described in detail by taking the user as the principal and the bank as the asset custodian as an example. Among them, the user can initiate a confirmation request to the server corresponding to the bank through the client where the application provided by the bank is located, so that the server responds to the confirmation request and generates a custody certificate. Among them, the client is the client where the asset custody application corresponding to the asset custodian is located, for example, it can be the client where the bank application (Application, APP) is located. Optionally, the client can provide a computer device for the user to log in, such as a smart phone, tablet, personal computer, etc. The user can initiate a confirmation request to the server through the client, wherein the confirmation request can carry the user's login information and the information of the asset custodian, such as the user's login account, the name of the bank or the address of the bank.

[0073] It is understandable that in order to ensure the security and reliability of asset custody services, the server needs to review the user based on the user's application materials when responding to the confirmation request, and then generate and return the custody certificate to the client if the review is passed. Therefore, the server can obtain the application form information corresponding to the confirmation request from the database to prompt the user to provide the corresponding application materials based on the application form information.

[0074] In this embodiment, the server can receive the confirmation request sent by the client through the network, then obtain the application form information corresponding to the confirmation request from the database, and send the application form information to the client through the network, so that the client can generate an application form based on the application form information for the user to fill in the corresponding application information.

[0075] S202: Determine a target business management server according to the verification request, and send a document acquisition request to the target business management server, where the document acquisition request is used to acquire certification materials for the escrow business.

[0076] Among them, the target business manager refers to the local server of the bank that serves as the custodian. It should be noted that when the server conducts the review, it needs to compare the application materials provided by the user with the materials stored by the bank, so as to determine whether the review is passed based on the comparison results. Therefore, the server also needs to obtain the information stored by the bank from the target business management server, that is, the proof materials used to prove that the user has asset custody in the bank. In this embodiment, the information acquisition request is used to obtain the proof materials of the custody business from the target business management server corresponding to the bank that serves as the custodian. For example, the proof materials can be the name, amount, quantity and other information of the assets that the user has entrusted in the bank.

[0077] In this embodiment, the server can determine the target business manager from multiple business managers that have established connections based on the information of the asset custodian carried in the confirmation request, and then determine the information that needs to be obtained based on the audit requirements for generating the custody certificate, thereby generating a data acquisition request, and sending the data acquisition request to the target business manager through the network to obtain proof materials for the custody business.

[0078] S203, receiving the input information sent by the client and the confirmation application items sent by the target business management server, and performing a custody audit on the user of the client according to the input information and the confirmation application items, obtaining the custody audit result, and generating a custody certificate when the custody audit result indicates that the audit is passed.

[0079] The input information refers to the information entered by the user through the application form generated by the client, for example, the input information may include the user's ID number, mobile phone number, name, address, etc. The confirmation application items refer to the information items required to generate the custody certificate, for example, the confirmation application items may include items such as deposit certificates, property rights, securities, etc. The confirmation application items in the target business manager can store the business data corresponding to the deposit certificates, property rights, securities, etc. of all custody users.

[0080] It is understandable that a custody certificate can be used to represent the right to hold an asset. Usually, a custody certificate can be issued by a custodial bank or a custodial securities institution. Users can use the custody certificate to prove the information of the assets they hold.

[0081] In this embodiment, the server can receive input information sent by the client through the network, and receive confirmation application items sent by the target business manager through the network, and then review the user's identity information based on the input information, and review the user's managed asset information based on the confirmation application items, thereby obtaining the managed audit result. Furthermore, if the managed audit result is passed, the server can generate a managed certificate.

[0082] S204, sending the escrow certificate to the client.

[0083] It is understandable that when the server generates the escrow credential, it needs to send the escrow credential to the client so that the user can obtain the escrow credential through the client. In this embodiment, the server can send the escrow credential to the client corresponding to the verification request through the network.

[0084] In the above-mentioned confirmation request processing method, when the server receives the confirmation request sent by the client, it can obtain the application form information corresponding to the confirmation request and send the application form information to the client. Then, the target business management server is determined according to the confirmation request, and a data acquisition request is sent to the target business management server to obtain the certification materials of the custody business. Then, the input information sent by the client and the confirmation application items sent by the target business management server are received, and the user of the client is subject to custody review according to the input information and the confirmation application items, and the custody review result is obtained, and the custody certificate is generated when the custody review result indicates that the review is passed. Then, the custody certificate is sent to the client. Since the server can perform custody review on the user of the client according to the obtained input information and confirmation application items, and generate the custody certificate when the review is passed, no manual auxiliary review is required in the audit process, so that the security and reliability of the custody certificate generation process can be ensured, and the efficiency of the custody certificate generation process can be improved, so that the generation of custody certificates in the asset custody service application can be realized safely and efficiently, and the intelligence of the custody certificate generation process is improved.

[0085] In the above scenario of conducting a custodial audit on the client user based on the input information and the verification application items to obtain the custodial audit result, the server can conduct a user identity audit and a reply audit respectively to obtain the custodial audit result. In an exemplary embodiment, as shown in FIG3 , the above S203 includes:

[0086] S301, review the user's identity according to the input information to obtain a first review result.

[0087] The first audit result refers to the audit result of the identity audit of the user. It is understandable that in order to save the computing resources of the server, if the user who sends the verification request is an illegal user, the server does not need to conduct further audit. Therefore, the server can first audit whether the user's identity is legal. In this embodiment, the server can audit whether the user's identity is legal based on the input information, thereby obtaining the first audit result.

[0088] In a possible implementation manner, the input information includes a user ID and image information. As shown in FIG4 , the above S301 includes:

[0089] S401, determining whether the user is a delegated user according to the user ID and the whitelist user ID.

[0090] The user number refers to the number assigned by the bank to the user when the user applies for asset custody services. The user number can be used as a unique identification code for each user. The bank can store all user numbers that provide asset custody services in a whitelist and send the whitelist to the server so that the server can review the user number based on the whitelist.

[0091] In this embodiment, the server can search for the user number from all whitelist user numbers included in the whitelist, and determine whether the user is a delegate user according to the search result. Optionally, if the search result shows that the user number exists in the whitelist user number, it can be determined that the user is a delegate user; if the search result shows that the user number does not exist in the whitelist user number, it can be determined that the user is not a delegate user.

[0092] S402, if the user is a delegated user, compare the image information with the original image information of the user in the database to see if they are consistent; if the image information is consistent with the original image information, determine that the first audit result indicates that the user is a legal user; if the image information is inconsistent with the original image information, determine that the first audit result indicates that the user is not a legal user.

[0093] It is understandable that when there is a user number in the above-mentioned whitelist user number and it is determined that the user is a delegated user, only the accuracy of the user number entered by the user can be ensured. However, there may be other users who enter the user number on behalf of the user. Therefore, it is also necessary to compare the user's image information to improve the accuracy of the user's legitimacy review.

[0094] Among them, image information refers to the video, image and other information obtained by collecting the user's portrait information, and original image information refers to the video, image and other information collected when the user handles asset custody services.

[0095] In this embodiment, when the user is a delegated user, the server can obtain the original image information of the user from the database, and then use the face recognition algorithm to compare the user's image information with the original image information to obtain a comparison result, thereby determining whether the user is a legitimate user based on the comparison result. Optionally, if the image information is consistent with the original image information, it is determined that the first audit result indicates that the user is a legitimate user; if the image information is inconsistent with the original image information, it is determined that the first audit result indicates that the user is not a legitimate user.

[0096] S302, reviewing the user's reply according to the inquiry application, and obtaining a second review result.

[0097] Among them, the reply review refers to the review of whether an automatic reply is made according to the confirmation request, and the second review result refers to the review result of whether an automatic reply is made. It should be noted that when generating a custody certificate, it is necessary to generate a custody certificate based on the business data corresponding to the confirmation application matter. Therefore, it is necessary to review whether an automatic reply is made according to the confirmation application matter. Optionally, the second review result may include an automatic reply and a manual reply.

[0098] In a possible implementation, as shown in FIG5 , the above S302 includes:

[0099] S501, determining the number of items included in the confirmation application, and determining whether there is corresponding business data under each item.

[0100] Among them, the item item refers to the type in the confirmation application item, for example, the item item can be a deposit certificate, property rights, securities, etc., and the confirmation application item can include multiple item items. Since when generating a custody certificate through an automatic reply letter, it must be ensured that all item items in the confirmation application item are met, therefore, the number of item items included in the confirmation application item can be reviewed, so that when the number of item items included in the confirmation application item meets the preset number requirements, whether there is corresponding business data under each item item is reviewed, and then the review result is obtained.

[0101] In this embodiment, the server can send a request to obtain the confirmation application items to the target business manager, and when receiving the information returned by the target business manager, obtain the confirmation application items corresponding to the user, and then determine the number of item items included in the confirmation application items, and determine whether there is corresponding business data under each item item.

[0102] Exemplarily, if the item is property rights, the business data may include physical property rights data, such as the name of the property rights document, the property rights document number, and the number of property rights; if the item is a certificate of deposit, the business data may include physical certificate of deposit data, such as the certificate of deposit type, certificate of deposit term, certificate of deposit number, certificate of deposit number, the proportion and amount of certificate of deposit account opening, and the remaining principal of the certificate of deposit; if the item is a security, the business data may include securities holding data, such as the security abbreviation, security code, number of securities, balance and currency of the securities ledger, number of securities ledger and closing price of the day.

[0103] S502, if the quantity meets the preset quantity requirement and there is business data under the matter item, it is determined that the second review result indicates an automatic reply; if the quantity does not meet the preset quantity requirement, or there is no business data under the matter item, it is determined that the second review result indicates a manual reply.

[0104] Among them, the preset quantity requirement refers to the number of confirmation items for which custody certificates can be generated through automatic replies.

[0105] In this embodiment, if the number of matter items meets the preset number requirement and there is business data under the matter items, the second review result can be determined to be an automatic reply; if the number does not meet the preset number requirement, or there is no business data under the matter items, the second review result is determined to indicate a manual reply.

[0106] As a possible implementation method, if the quantity meets the preset quantity requirement, there is business data under each item, or if there is business data under one item, it can be determined that the second audit result indicates an automatic reply.

[0107] As another possible implementation, if the quantity does not meet the preset quantity requirement, and there is no business data under an item, it can be determined that the second review result indicates a manual reply.

[0108] S303, when the first audit result indicates that the user's identity is a legitimate user and the second audit result indicates an automatic reply, determine that the escrow audit result indicates that the audit is passed.

[0109] In this embodiment, the server can determine that the user's identity review has passed when the first review result indicates that the user's identity is a legitimate user, and determine that the user's reply review has passed when the second review result indicates an automatic reply, thereby determining that the clearance review result has passed.

[0110] In this embodiment, the server audits the identity of the user based on the input information and can obtain a first audit result. Then, based on the confirmation application, the server audits the user's reply and can obtain a second audit result. Then, when the first audit result indicates that the user's identity is a legal user and the second audit result indicates an automatic reply, it can be determined that the escrow audit result indicates that the audit is passed. During the escrow audit, the audit can be conducted from two dimensions: identity audit and reply audit, which improves the accuracy and reliability of the audit results and avoids the problem of inaccurate audits affecting the security of the escrow credential generation process.

[0111] In the above scenario of determining the custody audit result, when the first audit result indicates that the user is a legitimate user and the second audit result indicates an automatic reply, the server may also audit whether the delegation agreement of the legitimate user is valid, thereby further improving the reliability of the audit result. In an exemplary embodiment, as shown in FIG6 , the above method further includes:

[0112] S601: Send a protocol acquisition request to a target service management server.

[0113] It is understandable that when each user applies for asset custody services, they will sign a custody agreement with a bank or other custodian, which can indicate the start and end time of the custody agreement. If the corresponding custody agreement is invalid when the user sends a confirmation request through the client, the custody certificate cannot be generated.

[0114] In this embodiment, the server may generate a protocol acquisition request according to the user number, and send the protocol acquisition request to the target service management server through the network.

[0115] S602, receiving the user's hosting agreement returned by the target business management server based on the agreement acquisition request, and reviewing the validity of the hosting agreement to obtain a third review result.

[0116] The third audit result refers to the result of the audit of whether the escrow agreement is valid. Optionally, the third audit result may be that the escrow agreement is valid, or the third audit result may be that the escrow agreement is invalid. It is understandable that after receiving the agreement acquisition request, the target business management server may obtain the escrow agreement corresponding to the user from the database according to the agreement acquisition request, and return the escrow agreement to the server through the network.

[0117] In this embodiment, after receiving the response information carrying the custody agreement, the server can parse the response information, obtain the user's custody agreement from the parsing result, and then obtain the start effective time and end effective time of the custody agreement. Then, the time of the confirmation request is compared with the start effective time and end effective time, and the third audit result is obtained based on the comparison result.

[0118] S603: If the third audit result indicates that the custody agreement is valid, then the custody audit result is determined to be passed.

[0119] In this embodiment, if the third audit result indicates that the custody agreement is valid, it means that the time of the confirmation request is within the limited time range of the custody agreement. Therefore, it can be determined that the custody audit result is passed.

[0120] S604: If the third audit result indicates that the custody agreement is invalid, then the custody audit result is determined to be audit failure.

[0121] In this embodiment, if the third audit result indicates that the custody agreement is invalid, it means that the time of the confirmation request may be before the custody agreement takes effect, or it may mean that the time of the confirmation request is after the custody agreement is invalid. Therefore, it can be determined that the custody audit result is audit failure.

[0122] In this embodiment, the server sends an agreement acquisition request to the target business management server, then receives the user's escrow agreement returned by the target business management server based on the agreement acquisition request, and audits the validity of the escrow agreement to obtain a third audit result. When the third audit result indicates that the escrow agreement is valid, the server can determine that the escrow audit result is passed; when the third audit result indicates that the escrow agreement is invalid, the server can determine that the escrow audit result is failed. In this way, when the user identity is legitimate and the automatic reply is determined, the server can further audit whether the escrow agreement is valid, thereby improving the accuracy and reliability of the escrow audit results.

[0123] It is understandable that the server can receive confirmation requests sent by multiple clients. Considering the limited computing resources of the server, if the escrow audit fails within the preset time, the confirmation request can be added to the waiting queue and other confirmation requests can be processed first. In the case of the above determination that the escrow audit is passed, the server can also, in an exemplary embodiment, as shown in FIG7, when the first audit result indicates that the user's identity is a legitimate user and the second audit result indicates an automatic reply, the above method further includes:

[0124] S701, determine whether the review time exceeds the preset timing duration.

[0125] The preset timing duration refers to the maximum duration of the review time during the server's response to a verification request.

[0126] In this embodiment, the server can count the time used in the audit process, compare the counted time with the preset timing duration, and then determine whether the audit time exceeds the preset timing market according to the comparison result. Exemplarily, the comparison result can be determined according to the difference between the counted time and the preset timing duration. If the comparison result is greater than 0, it is determined that the audit time exceeds the preset timing duration. If the comparison result is less than or equal to 0, it is determined that the audit time does not exceed the preset timing duration.

[0127] S702: If the review time exceeds the preset timing time, the confirmation request is placed in a request queue to wait for processing.

[0128] It is understandable that if the review time exceeds the preset timing duration, it means that there may be security issues in the review process, so it is impossible to determine that the review result is passed. Moreover, in order to avoid affecting the review of other confirmation requests, the confirmation requests that exceed the preset timing duration can be placed at the end of the waiting queue and reviewed again in order.

[0129] In this embodiment, when the review time exceeds the preset timing duration, the server may determine to suspend the review process of the confirmation request and put the confirmation request into a request queue to wait for processing.

[0130] S703: If the audit time does not exceed the preset timing duration, a step of sending a protocol acquisition request to a target business management server is executed.

[0131] In this embodiment, the server can determine that there are no security issues in the identity review and reply review processes if the review time does not exceed the preset timing duration. Therefore, it can further determine whether the hosting agreement is valid, thereby sending a protocol acquisition request to the target business management server.

[0132] In this embodiment, the server determines whether the audit time exceeds the preset timing duration. If the audit time exceeds the preset timing duration, the server can put the confirmation request into the request queue for processing; and if the audit time does not exceed the preset timing duration, the server executes the step of sending a protocol acquisition request to the target business management server, thereby avoiding the problem of server resources being affected by the long audit time and improving the overall response efficiency of the server to confirmation requests.

[0133] In an exemplary embodiment, the above S204 includes: when the custody audit result indicates that the audit is passed, generating a custody certificate according to the corresponding business data under each item in the confirmation application.

[0134] In this embodiment, the server can generate corresponding asset proof materials according to the business data under each item, and then generate a custody certificate in combination with each asset proof material.

[0135] In this embodiment, when the custody audit result indicates that the audit is passed, the server can generate a custody certificate based on the corresponding business data under each item in the confirmation application, thereby automatically generating the custody certificate based on the confirmation request, realizing the intelligent generation of the custody certificate, and improving the intelligence of the custody certificate generation process.

[0136] In the process of the above-mentioned server conducting a custody audit on the confirmation request, the custody audit result may also indicate that the audit failed. In the case of a failed audit, the server may return manual reply instruction information to the client to instruct the client to obtain the custody certificate manually. In an exemplary embodiment, the above-mentioned method further includes: sending manual reply instruction information to the client when the custody audit result indicates that the audit failed; the manual reply instruction information is used to instruct the client to display the manual reply instruction information in the target application interface to instruct the user to obtain the custody certificate manually; the manual reply instruction information includes any one of the address information of the unit to which the custody processing belongs, the custody consulting platform information, and the custody audit result.

[0137] The manual reply instruction information refers to instruction information instructing the client to obtain the custody certificate through a manual channel.

[0138] In this embodiment, when the custody audit result indicates that the audit has failed, the server can generate manual reply instruction information based on the address information of the custody processing unit, the custody consultation platform information, and the custody audit result, and then send the manual reply instruction information to the client through the network, so that the client can display the manual reply instruction information in the target application interface, so that the user can determine based on the actual manual reply instruction information that the server cannot generate the custody certificate according to the confirmation request by means of automatic reply, and obtain the custody certificate through offline consultation or manual channel according to the manual reply instruction information.

[0139] In this embodiment, when the escrow audit result indicates that the audit has failed, the server sends manual reply instruction information to the client. Since the manual reply instruction information includes any one of the address information of the escrow processing unit, the escrow consulting platform information, and the escrow audit result, the client can display the manual reply instruction information in the target application interface, so that the user can obtain the escrow certificate manually, improve the response flexibility of the server's response to the inquiry request, and thereby improve the intelligence in the escrow certificate generation process.

[0140] In an exemplary embodiment, as shown in FIG8 , the present application further provides a method for processing a verification request, which is described by taking the method applied to the server in FIG1 as an example, and includes the following steps:

[0141] S801, in response to a triggering operation on a hosted service function control in a target application interface on a client, sending a verification request to a server.

[0142] The target application interface refers to the display interface for providing the escrow service, and the target application interface may include multiple controls of different functions, such as controls for the escrow service function, controls for deposit and withdrawal services, controls for financial services, etc. If the user needs to perform the escrow service, he can click on the control of the escrow service function displayed on the target application interface, so that the client can provide the escrow service to the user according to the received trigger operation.

[0143] In this embodiment, when the user clicks on the hosting service function control in the target application interface, the client can obtain the trigger operation through the display interface, and then respond to the trigger operation, generate a confirmation request based on the user's login account information, and send the confirmation request to the server through the network.

[0144] S802, receiving application form information returned by the server based on the confirmation request, generating an application form according to the application form information, and displaying the application form on the target application interface.

[0145] It is understandable that after receiving the confirmation request, the server needs to review the user, and therefore needs to obtain the user's application information. Therefore, the application form information can be sent to the client so that the client can display the application form to the user, thereby obtaining the application information filled out by the user in the application form.

[0146] In this embodiment, the client can receive the application form information sent by the server, then generate an application form according to the application form information, and then display the application form in the target application interface and prompt the user to fill in the items in the application form to provide application information.

[0147] S803, in response to the input operation on the application form, the input information corresponding to the input operation is sent to the server; the input information is used to instruct the server to perform a escrow audit on the user of the client according to the input information and the confirmation application items sent by the target business management server, obtain the escrow audit result, and generate a escrow certificate when the escrow audit result indicates that the audit is passed.

[0148] It is understandable that, when the application form is displayed in the target application interface, the user can fill in the information according to the items in the application form, thereby inputting the application information.

[0149] In this embodiment, the client can respond to the user's input operation on the application form, obtain the information input by the user, and then send the obtained input information to the server through the network, so that the server can obtain the confirmation application items from the target business management server after receiving the input information, and then perform a custodial audit on the user of the client based on the input information and the confirmation application items sent by the target business management server, and obtain the custodial audit result, and then generate a custodial certificate when the custodial audit result indicates that the audit is passed.

[0150] S804, receiving the escrow certificate returned by the server based on the input information.

[0151] In this embodiment, the client may receive, via the network, the escrow credential returned by the server based on the input information.

[0152] As a possible implementation, after receiving the escrow certificate, the client may display the escrow certificate in the target application interface and generate an attachment of the escrow certificate for the user to download and save.

[0153] In this embodiment, the client sends a confirmation request to the server in response to a trigger operation on the hosting service function control in the target application interface on the client, and then can receive the application form information returned by the server based on the confirmation request, generate an application form based on the application form information, and display the application form on the target application interface. Then, in response to the input operation on the application form, the input information corresponding to the input operation is sent to the server. Since the input information can instruct the server to perform a hosting review on the user of the client according to the input information and the confirmation application items sent by the target business management server, and obtain the hosting review result, and generate a hosting credential when the hosting review result indicates that the review is passed, then, it can receive the hosting credential returned by the server based on the input information. In the method of processing the confirmation request, the client can interact with the server so that the server generates the hosting credential corresponding to the confirmation request and returns the hosting credential to the user, thereby realizing the automatic generation of the hosting credential and improving the intelligence of the hosting credential generation.

[0154] It is understandable that if the server fails to pass the review of whether the user of the client automatically replies, a prompt message may be returned to the client to instruct the user to obtain the escrow certificate through a manual channel. In an exemplary embodiment, as shown in FIG9 , the method further includes:

[0155] S901, receiving manual reply instruction information sent by the server; the manual reply instruction information includes any one of the address information of the escrow processing unit, escrow consulting platform information, and escrow audit results.

[0156] The manual reply instruction information refers to the instruction information generated by the server when the custody audit fails. In this embodiment, the client can receive the manual reply instruction information sent by the server through the network, so that the user can select a manual channel to obtain the custody certificate according to any one of the address information of the custody processing unit, the custody consulting platform information, and the custody audit result included in the manual reply instruction information.

[0157] S902, displaying manual reply instruction information in the target application interface.

[0158] In this embodiment, the client may display manual reply instruction information in the target application interface to prompt the user to obtain the escrow certificate through a manual channel according to the manual reply instruction information.

[0159] In this embodiment, the client receives the manual reply instruction information sent by the server. Since the manual reply instruction information includes any one of the address information of the custody processing unit, the custody consultation platform information, and the custody audit result, and the manual reply instruction information is displayed in the target application interface, the user can manually obtain the custody certificate according to the displayed manual reply instruction information, thereby improving the flexibility of obtaining the custody certificate.

[0160] To facilitate understanding by those skilled in the art, the following is a detailed description of the method for processing a verification request provided by the present application, taking application to a server as an example. The method may include:

[0161] S1, when receiving the confirmation request sent by the client, obtain the application form information corresponding to the confirmation request, and send the application form information to the client.

[0162] S2, determining the target business management server according to the inquiry request, and sending a data acquisition request to the target business management server, the data acquisition request is used to obtain the certification materials of the entrusted business.

[0163] S3: Determine whether the user is a delegated user based on the user ID and the whitelist user ID.

[0164] S4: If the user is a commissioned user, compare the image information with the original image information of the user in the database to see if they are consistent.

[0165] S5, if the image information is consistent with the original image information, it is determined that the first audit result indicates that the user is a legitimate user; if the image information is inconsistent with the original image information, it is determined that the first audit result indicates that the user is not a legitimate user.

[0166] S6, determining the number of items included in the confirmation application, and determining whether there is corresponding business data under each item.

[0167] S7, if the quantity meets the preset quantity requirement and there is business data under the matter item, it is determined that the second review result indicates an automatic reply; if the quantity does not meet the preset quantity requirement, or there is no business data under the matter item, it is determined that the second review result indicates a manual reply.

[0168] S8. When the first audit result indicates that the user is a legitimate user and the second audit result indicates an automatic reply, a protocol acquisition request is sent to the target business management server.

[0169] S9, receiving the user's hosting agreement returned by the target business management server based on the agreement acquisition request, and reviewing the validity of the hosting agreement to obtain a third review result.

[0170] S10, if the third audit result indicates that the custody agreement is valid, then the custody audit result is determined to be passed; if the third audit result indicates that the custody agreement is invalid, then the custody audit result is determined to be failed.

[0171] S11, determining whether the audit time exceeds the preset timing duration.

[0172] S12, if the audit time exceeds the preset timing duration, the confirmation request is placed in the request queue to wait for processing; if the audit time does not exceed the preset timing duration, the step of sending a protocol acquisition request to the target business management server is executed.

[0173] S13, when the custody audit result indicates that the audit is passed, a custody certificate is generated according to the corresponding business data under each item in the confirmation application.

[0174] S14, when the escrow audit result indicates that the audit has not passed, a manual reply instruction message is sent to the client.

[0175] It should be noted that for the descriptions in the above S1-S14, reference may be made to the relevant descriptions in the above embodiments, and the effects are similar, so this embodiment will not be repeated here.

[0176] It should be understood that, although the steps in the flowcharts involved in the above embodiments are displayed in sequence according to the indication of the arrows, these steps are not necessarily executed in sequence according to the order indicated by the arrows. Unless there is a clear explanation in this article, the execution of these steps is not strictly limited in order, and these steps can be executed in other orders. Moreover, at least a part of the steps in the flowcharts involved in the above embodiments may include multiple steps or multiple stages, and these steps or stages are not necessarily executed at the same time, but can be executed at different times, and the execution order of these steps or stages is not necessarily carried out in sequence, but can be executed in turn or alternately with other steps or at least a part of the steps or stages in other steps.

[0177] Based on the same inventive concept, the embodiment of the present application also provides a confirmation request processing device for implementing the confirmation request processing method involved in the above. The implementation scheme for solving the problem provided by the device is similar to the implementation scheme recorded in the above method, so the specific limitations in the embodiments of one or more confirmation request processing devices provided below can refer to the limitations of the confirmation request processing method above, and will not be repeated here.

[0178] In an exemplary embodiment, as shown in FIG10 , a verification request processing device is provided, which is applied to a server and includes: an acquisition module 1001, a first determination module 1002, a first processing module 1003 and a first sending module 1004, wherein:

[0179] The acquisition module 1001 is used to acquire application form information corresponding to the confirmation request upon receiving the confirmation request sent by the client, and send the application form information to the client;

[0180] The first determination module 1002 is used to determine the target business management server according to the verification request, and send a data acquisition request to the target business management server; the data acquisition request is used to obtain the certification materials of the escrow business;

[0181] The first processing module 1003 is used to receive input information sent by the client and confirmation application items sent by the target business management server, and perform a escrow audit on the user of the client based on the input information and the confirmation application items, obtain the escrow audit result, and generate an escrow certificate when the escrow audit result indicates that the audit is passed.

[0182] The first sending module 1004 is used to send the escrow certificate to the client.

[0183] The verification request processing device provided in this embodiment can execute the above method embodiment, and its implementation principle and technical effect are similar, which will not be repeated here.

[0184] In one embodiment, the first processing module includes:

[0185] A first acquisition unit, used to review the identity of the user according to the input information and obtain a first review result;

[0186] The second acquisition unit is used to review the user's reply according to the confirmation application matters and obtain a second review result;

[0187] The determination unit is used to determine that the escrow audit result indicates that the audit is passed when the first audit result indicates that the identity of the user is a legal user and the second audit result indicates an automatic reply.

[0188] The verification request processing device provided in this embodiment can execute the above method embodiment, and its implementation principle and technical effect are similar, which will not be repeated here.

[0189] In one embodiment, the input information includes a user ID and image information, and the first acquisition unit is specifically used to:

[0190] Determine whether the user is a delegated user based on the user ID and the whitelist user ID;

[0191] If the user is a delegated user, the image information is compared with the original image information of the user in the database to see if they are consistent. If the image information is consistent with the original image information, the first audit result is determined to indicate that the user is a legitimate user; if the image information is inconsistent with the original image information, the first audit result is determined to indicate that the user is not a legitimate user.

[0192] The verification request processing device provided in this embodiment can execute the above method embodiment, and its implementation principle and technical effect are similar, which will not be repeated here.

[0193] In one embodiment, the second acquisition unit is specifically used to:

[0194] Determine the number of items included in the confirmation application, and determine whether there is corresponding business data under each item;

[0195] If the quantity meets the preset quantity requirement and there is business data under the item, the second review result is determined to indicate an automatic reply;

[0196] If the quantity does not meet the preset quantity requirement, or there is no business data under the item, the second review result is determined to indicate a manual reply.

[0197] The verification request processing device provided in this embodiment can execute the above method embodiment, and its implementation principle and technical effect are similar, which will not be repeated here.

[0198] In one embodiment, when the first audit result indicates that the user is a legitimate user and the second audit result indicates an automatic reply, the apparatus further includes:

[0199] A second sending module, used to send a protocol acquisition request to a target service management server;

[0200] A first receiving module is used to receive the user's hosting agreement returned by the target business management server based on the agreement acquisition request, and to review the validity of the hosting agreement to obtain a third review result;

[0201] A second determination module is used to determine that the custody audit result is approved if the third audit result indicates that the custody agreement is valid;

[0202] The third determination module is used to determine that the custody audit result is a failed audit if the third audit result indicates that the custody agreement is invalid.

[0203] The verification request processing device provided in this embodiment can execute the above method embodiment, and its implementation principle and technical effect are similar, which will not be repeated here.

[0204] In one embodiment, when the first audit result indicates that the user is a legitimate user and the second audit result indicates an automatic reply, the apparatus further includes:

[0205] The fourth determination module is used to determine whether the review time exceeds the preset timing time;

[0206] The second processing module is used to put the confirmation request into the request queue for processing if the review time exceeds the preset timing time;

[0207] The third processing module is used to execute the step of sending a protocol acquisition request to the target business management server if the review time does not exceed the preset timing duration.

[0208] In one embodiment, the first processing module further includes:

[0209] The generating unit is used to generate a custody certificate according to the corresponding business data under each item in the confirmation application when the custody audit result indicates that the audit is passed.

[0210] In one embodiment, the above device further comprises:

[0211] The third sending module is used to send manual reply instruction information to the client when the custody audit result indicates that the audit has not passed; the manual reply instruction information is used to instruct the client to display the manual reply instruction information in the target application interface to instruct the user to obtain the custody certificate manually; the manual reply instruction information includes any one of the address information of the custody processing unit, the custody consulting platform information, and the custody audit result.

[0212] The verification request processing device provided in this embodiment can execute the above method embodiment, and its implementation principle and technical effect are similar, which will not be repeated here.

[0213] Each module in the above-mentioned verification request processing device can be implemented in whole or in part by software, hardware, or a combination thereof. Each of the above-mentioned modules can be embedded in or independent of a processor in a computer device in the form of hardware, or can be stored in a memory in a computer device in the form of software, so that the processor can call and execute the operations corresponding to each of the above modules.

[0214] In an exemplary embodiment, as shown in FIG11 , a device for processing a verification request is also provided, which is applied to a client and includes:

[0215] The fourth sending module 1101 is used to send a confirmation request to the server in response to a triggering operation on a hosting service function control in a target application interface on a client;

[0216] The second receiving module 1102 is used to receive the application form information returned by the server based on the confirmation request, generate an application form according to the application form information, and display the application form on the target application interface;

[0217] The fifth sending module 1103 is used to send input information corresponding to the input operation to the server in response to the input operation on the application form; the input information is used to instruct the server to perform a trusteeship review on the user of the client according to the input information and the confirmation application items sent by the target business management server, obtain a trusteeship review result, and generate a trusteeship certificate when the trusteeship review result indicates that the review is passed;

[0218] The sixth receiving module 1104 is used to receive the escrow certificate returned by the server based on the input information.

[0219] In one embodiment, the above device further comprises:

[0220] The seventh receiving module is used to receive manual reply instruction information sent by the server; the manual reply instruction information includes any one of the address information of the unit to which the escrow processing belongs, the escrow consulting platform information, and the escrow audit result;

[0221] The display module is used to display manual reply instruction information in the target application interface.

[0222] In an exemplary embodiment, a computer device is provided, which may be a server, and its internal structure diagram may be shown in FIG12. The computer device includes a processor, a memory, an input / output interface (Input / Output, referred to as I / O) and a communication interface. The processor, the memory and the input / output interface are connected via a system bus, and the communication interface is connected to the system bus via the input / output interface. The processor of the computer device is used to provide computing and control capabilities. The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system, a computer program and a database. The internal memory provides an environment for the operation of the operating system and the computer program in the non-volatile storage medium. The database of the computer device is used to store relevant data of the verification request. The input / output interface of the computer device is used to exchange information between the processor and an external device. The communication interface of the computer device is used to communicate with an external terminal via a network connection. When the computer program is executed by the processor, a method for processing a verification request is implemented.

[0223] Those skilled in the art will understand that the structure shown in FIG. 12 is merely a block diagram of a partial structure related to the solution of the present application, and does not constitute a limitation on the computer device to which the solution of the present application is applied. The specific computer device may include more or fewer components than shown in the figure, or combine certain components, or have a different arrangement of components.

[0224] In an exemplary embodiment, a computer device is provided, including a memory and a processor, wherein a computer program is stored in the memory, and when the processor executes the computer program, the following steps are implemented:

[0225] When receiving a confirmation request sent by a client, obtaining application form information corresponding to the confirmation request, and sending the application form information to the client;

[0226] Determine the target business management server according to the verification request, and send a data acquisition request to the target business management server; the data acquisition request is used to obtain the certification materials of the entrusted business;

[0227] Receive input information sent by the client and confirmation application items sent by the target business management server, and perform a trusteeship audit on the user of the client according to the input information and the confirmation application items, obtain a trusteeship audit result, and generate a trusteeship certificate when the trusteeship audit result indicates that the audit is passed;

[0228] Send managed credentials to the client.

[0229] In one embodiment, when the processor executes the computer program, the processor further implements the following steps:

[0230] Review the user's identity according to the input information to obtain a first review result;

[0231] Review the user's reply letter according to the confirmation application and obtain the second review result;

[0232] When the first audit result indicates that the user is a legitimate user and the second audit result indicates an automatic reply, it is determined that the escrow audit result indicates that the audit is passed.

[0233] In one embodiment, when the processor executes the computer program, the processor further implements the following steps:

[0234] Determine whether the user is a delegated user based on the user ID and the whitelist user ID;

[0235] If the user is a delegated user, the image information is compared with the original image information of the user in the database to see if they are consistent. If the image information is consistent with the original image information, the first audit result is determined to indicate that the user is a legitimate user; if the image information is inconsistent with the original image information, the first audit result is determined to indicate that the user is not a legitimate user.

[0236] In one embodiment, when the processor executes the computer program, the processor further implements the following steps:

[0237] Determine the number of items included in the confirmation application, and determine whether there is corresponding business data under each item;

[0238] If the quantity meets the preset quantity requirement and there is business data under the item, the second review result is determined to indicate an automatic reply;

[0239] If the quantity does not meet the preset quantity requirement, or there is no business data under the item, the second review result is determined to indicate a manual reply.

[0240] In one embodiment, when the processor executes the computer program, the processor further implements the following steps:

[0241] Send a protocol acquisition request to the target service management server;

[0242] Receiving the user's escrow agreement returned by the target business management server based on the agreement acquisition request, and reviewing the validity of the escrow agreement to obtain a third review result;

[0243] If the third review result indicates that the custody agreement is valid, then the custody review result is determined to be approved;

[0244] If the third audit result indicates that the custody agreement is invalid, the custody audit result is determined to be failure to pass the audit.

[0245] In one embodiment, when the processor executes the computer program, the processor further implements the following steps:

[0246] Determine whether the audit time exceeds the preset timing duration;

[0247] If the review time exceeds the preset time duration, the confirmation request will be placed in the request queue and wait for processing;

[0248] If the audit time does not exceed the preset timing duration, the step of sending a protocol acquisition request to the target business management server is executed.

[0249] In one embodiment, when the computer program is executed by a processor, the following steps are also implemented:

[0250] When the custody audit result indicates that the audit is passed, a custody certificate will be generated based on the corresponding business data under each item in the confirmation application.

[0251] In one embodiment, when the computer program is executed by a processor, the following steps are also implemented:

[0252] When the custody audit result indicates that the audit has not passed, manual reply instruction information is sent to the client; the manual reply instruction information is used to instruct the client to display the manual reply instruction information in the target application interface to instruct the user to obtain the custody certificate manually; the manual reply instruction information includes any one of the address information of the custody processing unit, the custody consulting platform information, and the custody audit result.

[0253] In an exemplary embodiment, a computer device is also provided, including a memory and a processor, wherein a computer program is stored in the memory, and when the processor executes the computer program, the following steps are implemented:

[0254] In response to a triggering operation on a hosted service function control in a target application interface on a client, sending a verification request to a server;

[0255] Receiving application form information returned by the server based on the confirmation request, generating an application form according to the application form information, and displaying the application form on the target application interface;

[0256] In response to an input operation on the application form, input information corresponding to the input operation is sent to the server; the input information is used to instruct the server to perform a trusteeship review on the user of the client according to the input information and the confirmation application items sent by the target business management server, obtain a trusteeship review result, and generate a trusteeship certificate if the trusteeship review result indicates that the review is passed;

[0257] Receive the escrow credentials returned by the server based on the input information.

[0258] In one embodiment, when the computer program is executed by a processor, the following steps are also implemented:

[0259] receiving manual reply instruction information sent by the server; the manual reply instruction information includes any one of the address information of the unit to which the escrow processing belongs, the escrow consultation platform information, and the escrow audit result;

[0260] Display manual reply instruction information in the target application interface.

[0261] In one embodiment, a computer readable storage medium is provided, on which a computer program is stored, and when the computer program is executed by a processor, the following steps are implemented:

[0262] When receiving a confirmation request sent by a client, obtaining application form information corresponding to the confirmation request, and sending the application form information to the client;

[0263] Determine the target business management server according to the verification request, and send a data acquisition request to the target business management server; the data acquisition request is used to obtain the certification materials of the entrusted business;

[0264] Receive input information sent by the client and confirmation application items sent by the target business management server, and perform a trusteeship audit on the user of the client according to the input information and the confirmation application items, obtain a trusteeship audit result, and generate a trusteeship certificate when the trusteeship audit result indicates that the audit is passed;

[0265] Send managed credentials to the client.

[0266] In one embodiment, when the computer program is executed by a processor, the following steps are also implemented:

[0267] Review the user's identity according to the input information to obtain a first review result;

[0268] Review the user's reply letter according to the confirmation application and obtain the second review result;

[0269] When the first audit result indicates that the user is a legitimate user and the second audit result indicates an automatic reply, it is determined that the escrow audit result indicates that the audit is passed.

[0270] In one embodiment, when the computer program is executed by a processor, the following steps are also implemented:

[0271] Determine whether the user is a delegated user based on the user ID and the whitelist user ID;

[0272] If the user is a delegated user, the image information is compared with the original image information of the user in the database to see if they are consistent. If the image information is consistent with the original image information, the first audit result is determined to indicate that the user is a legitimate user; if the image information is inconsistent with the original image information, the first audit result is determined to indicate that the user is not a legitimate user.

[0273] In one embodiment, when the computer program is executed by a processor, the following steps are also implemented:

[0274] Determine the number of items included in the confirmation application, and determine whether there is corresponding business data under each item;

[0275] If the quantity meets the preset quantity requirement and there is business data under the item, the second review result is determined to indicate an automatic reply;

[0276] If the quantity does not meet the preset quantity requirement, or there is no business data under the item, the second review result is determined to indicate a manual reply.

[0277] In one embodiment, when the computer program is executed by a processor, the following steps are also implemented:

[0278] Send a protocol acquisition request to the target service management server;

[0279] Receiving the user's escrow agreement returned by the target business management server based on the agreement acquisition request, and reviewing the validity of the escrow agreement to obtain a third review result;

[0280] If the third review result indicates that the custody agreement is valid, then the custody review result is determined to be approved;

[0281] If the third audit result indicates that the custody agreement is invalid, the custody audit result is determined to be failure to pass the audit.

[0282] In one embodiment, when the computer program is executed by a processor, the following steps are also implemented:

[0283] Determine whether the audit time exceeds the preset timing duration;

[0284] If the review time exceeds the preset time duration, the confirmation request will be placed in the request queue and wait for processing;

[0285] If the audit time does not exceed the preset timing duration, the step of sending a protocol acquisition request to the target business management server is executed.

[0286] In one embodiment, when the computer program is executed by a processor, the following steps are also implemented:

[0287] When the custody audit result indicates that the audit is passed, a custody certificate will be generated based on the corresponding business data under each item in the confirmation application.

[0288] In one embodiment, when the computer program is executed by a processor, the following steps are also implemented:

[0289] When the custody audit result indicates that the audit has not passed, manual reply instruction information is sent to the client; the manual reply instruction information is used to instruct the client to display the manual reply instruction information in the target application interface to instruct the user to obtain the custody certificate manually; the manual reply instruction information includes any one of the address information of the custody processing unit, the custody consulting platform information, and the custody audit result.

[0290] In one embodiment, a computer-readable storage medium is provided, on which a computer program is stored. When the computer program is executed by a processor, the following steps are implemented:

[0291] In response to a triggering operation on a hosted service function control in a target application interface on a client, sending a verification request to a server;

[0292] Receiving application form information returned by the server based on the confirmation request, generating an application form according to the application form information, and displaying the application form on the target application interface;

[0293] In response to an input operation on the application form, input information corresponding to the input operation is sent to the server; the input information is used to instruct the server to perform a trusteeship review on the user of the client according to the input information and the confirmation application items sent by the target business management server, obtain a trusteeship review result, and generate a trusteeship certificate if the trusteeship review result indicates that the review is passed;

[0294] Receive the escrow credentials returned by the server based on the input information.

[0295] In one embodiment, when the computer program is executed by a processor, the following steps are also implemented:

[0296] receiving manual reply instruction information sent by the server; the manual reply instruction information includes any one of the address information of the unit to which the escrow processing belongs, the escrow consultation platform information, and the escrow audit result;

[0297] Display manual reply instruction information in the target application interface.

[0298] In one embodiment, a computer program product is provided, comprising a computer program, which, when executed by a processor, implements the following steps:

[0299] When receiving a confirmation request sent by a client, obtaining application form information corresponding to the confirmation request, and sending the application form information to the client;

[0300] Determine the target business management server according to the verification request, and send a data acquisition request to the target business management server; the data acquisition request is used to obtain the certification materials of the entrusted business;

[0301] Receive input information sent by the client and confirmation application items sent by the target business management server, and perform a trusteeship audit on the user of the client according to the input information and the confirmation application items, obtain a trusteeship audit result, and generate a trusteeship certificate when the trusteeship audit result indicates that the audit is passed;

[0302] Send managed credentials to the client.

[0303] In one embodiment, when the computer program is executed by a processor, the following steps are also implemented:

[0304] Review the user's identity according to the input information to obtain a first review result;

[0305] Review the user's reply letter according to the confirmation application and obtain the second review result;

[0306] When the first audit result indicates that the user is a legitimate user and the second audit result indicates an automatic reply, it is determined that the escrow audit result indicates that the audit is passed.

[0307] In one embodiment, when the computer program is executed by a processor, the following steps are also implemented:

[0308] Determine whether the user is a delegated user based on the user ID and the whitelist user ID;

[0309] If the user is a delegated user, the image information is compared with the original image information of the user in the database to see if they are consistent. If the image information is consistent with the original image information, the first audit result is determined to indicate that the user is a legitimate user; if the image information is inconsistent with the original image information, the first audit result is determined to indicate that the user is not a legitimate user.

[0310] In one embodiment, when the computer program is executed by a processor, the following steps are also implemented:

[0311] Determine the number of items included in the confirmation application, and determine whether there is corresponding business data under each item;

[0312] If the quantity meets the preset quantity requirement and there is business data under the item, the second review result is determined to indicate an automatic reply;

[0313] If the quantity does not meet the preset quantity requirement, or there is no business data under the item, the second review result is determined to indicate a manual reply.

[0314] In one embodiment, when the computer program is executed by a processor, the following steps are also implemented:

[0315] Send a protocol acquisition request to the target service management server;

[0316] Receiving the user's escrow agreement returned by the target business management server based on the agreement acquisition request, and reviewing the validity of the escrow agreement to obtain a third review result;

[0317] If the third review result indicates that the custody agreement is valid, then the custody review result is determined to be approved;

[0318] If the third audit result indicates that the custody agreement is invalid, the custody audit result is determined to be failure to pass the audit.

[0319] In one embodiment, when the computer program is executed by a processor, the following steps are also implemented:

[0320] Determine whether the audit time exceeds the preset timing duration;

[0321] If the review time exceeds the preset time duration, the confirmation request will be placed in the request queue and wait for processing;

[0322] If the audit time does not exceed the preset timing duration, the step of sending a protocol acquisition request to the target business management server is executed.

[0323] In one embodiment, when the computer program is executed by a processor, the following steps are also implemented:

[0324] When the custody audit result indicates that the audit is passed, a custody certificate will be generated based on the corresponding business data under each item in the confirmation application.

[0325] In one embodiment, when the computer program is executed by a processor, the following steps are also implemented:

[0326] When the custody audit result indicates that the audit has not passed, manual reply instruction information is sent to the client; the manual reply instruction information is used to instruct the client to display the manual reply instruction information in the target application interface to instruct the user to obtain the custody certificate manually; the manual reply instruction information includes any one of the address information of the custody processing unit, the custody consulting platform information, and the custody audit result.

[0327] In one embodiment, a computer program product is provided, comprising a computer program, which, when executed by a processor, implements the following steps:

[0328] In response to a triggering operation on a hosted service function control in a target application interface on a client, sending a verification request to a server;

[0329] Receiving application form information returned by the server based on the confirmation request, generating an application form according to the application form information, and displaying the application form on the target application interface;

[0330] In response to an input operation on the application form, input information corresponding to the input operation is sent to the server; the input information is used to instruct the server to perform a trusteeship review on the user of the client according to the input information and the confirmation application items sent by the target business management server, obtain a trusteeship review result, and generate a trusteeship certificate if the trusteeship review result indicates that the review is passed;

[0331] Receive the escrow credentials returned by the server based on the input information.

[0332] In one embodiment, when the computer program is executed by a processor, the following steps are also implemented:

[0333] receiving manual reply instruction information sent by the server; the manual reply instruction information includes any one of the address information of the unit to which the escrow processing belongs, the escrow consultation platform information, and the escrow audit result;

[0334] Display manual reply instruction information in the target application interface.

[0335] Those skilled in the art can understand that all or part of the processes in the above-mentioned embodiments can be completed by instructing the relevant hardware through a computer program, and the computer program can be stored in a non-volatile computer-readable storage medium. When the computer program is executed, it can include the processes of the embodiments of the above-mentioned methods. Among them, any reference to the memory, database or other medium used in the embodiments provided in this application can include at least one of non-volatile memory and volatile memory. Non-volatile memory can include read-only memory (ROM), magnetic tape, floppy disk, flash memory, optical memory, high-density embedded non-volatile memory, resistive random access memory (ReRAM), magnetic random access memory (MRAM), ferroelectric random access memory (FRAM), phase change memory (PCM), graphene memory, etc. Volatile memory can include random access memory (RAM) or external cache memory, etc. As an illustration and not limitation, RAM can be in various forms, such as static random access memory (SRAM) or dynamic random access memory (DRAM). The database involved in each embodiment provided in this application may include at least one of a relational database and a non-relational database. Non-relational databases may include distributed databases based on blockchains, etc., but are not limited to this. The processor involved in each embodiment provided in this application may be a general-purpose processor, a central processing unit, a graphics processor, a digital signal processor, a programmable logic device, a data processing logic device based on quantum computing, an artificial intelligence (AI) processor, etc., but are not limited to this.

[0336] The technical features of the above embodiments may be combined arbitrarily. To make the description concise, not all possible combinations of the technical features in the above embodiments are described. However, as long as there is no contradiction in the combination of these technical features, they should be considered to be within the scope of this application.

[0337] The above embodiments only express several implementation methods of the present application, and the descriptions thereof are relatively specific and detailed, but they cannot be understood as limiting the scope of the present application. It should be pointed out that, for a person of ordinary skill in the art, several variations and improvements can be made without departing from the concept of the present application, and these all belong to the protection scope of the present application. Therefore, the protection scope of the present application shall be subject to the attached claims.

Claims

1. A method for processing a confirmation request, characterized in that: Applied to a server, the method comprises: When receiving a confirmation request sent by a client, obtaining application form information corresponding to the confirmation request, and sending the application form information to the client; Determine a target business management server according to the verification request, and send a document acquisition request to the target business management server; the document acquisition request is used to obtain certification materials for the escrow business; receiving input information sent by the client and confirmation application items sent by the target business management server, and performing a custody audit on the user of the client according to the input information and the confirmation application items, obtaining a custody audit result, and generating a custody certificate if the custody audit result indicates that the audit is passed; The escrow credential is sent to the client.

2. The method according to claim 1, characterized in that The performing of a trusteeship audit on the user of the client according to the input information and the verification application matters to obtain a trusteeship audit result includes: Reviewing the identity of the user according to the input information to obtain a first review result; Reviewing the user's reply letter according to the confirmation application matters to obtain a second review result; When the first audit result indicates that the user is a legitimate user and the second audit result indicates an automatic reply, it is determined that the management audit result indicates that the audit is passed.

3. The method according to claim 2, characterized in that The input information includes a user number and image information, and the identity of the user is audited according to the input information to obtain a first audit result, including: Determine whether the user is a delegated user according to the user ID and the whitelist user ID; If the user is the entrusted user, the image information is compared with the original image information of the user in the database to see if they are consistent. If the image information is consistent with the original image information, it is determined that the first audit result indicates that the user is a legal user; if the image information is inconsistent with the original image information, it is determined that the first audit result indicates that the user is not a legal user.

4. The method according to claim 2, characterized in that: The step of reviewing the user's reply letter according to the confirmation application matters to obtain a second review result includes: Determine the number of items included in the confirmation application, and determine whether there is corresponding business data under each item; If the quantity meets the preset quantity requirement and the business data exists under the matter entry, it is determined that the second review result indicates an automatic reply; if the quantity does not meet the preset quantity requirement, or the business data does not exist under the matter entry, it is determined that the second review result indicates a manual reply.

5. The method according to claim 2, characterized in that: In the case where the first audit result indicates that the user is a legitimate user, and the second audit result indicates an automatic reply, the method further includes: Sending a protocol acquisition request to the target service management server; receiving the escrow agreement of the user returned by the target business management server based on the agreement acquisition request, and reviewing the validity of the escrow agreement to obtain a third review result; If the third review result indicates that the custody agreement is valid, then determining that the custody review result is approved; If the third audit result indicates that the custody agreement is invalid, then the custody audit result is determined to be audit failure.

6. The method according to claim 5, characterized in that In the case where the first audit result indicates that the user is a legitimate user, and the second audit result indicates an automatic reply, the method further includes: Determine whether the audit time exceeds the preset timing duration; If the review time exceeds the preset timing time, the confirmation request is placed in the request queue to wait for processing; If the audit time does not exceed the preset timing duration, the step of sending a protocol acquisition request to the target business management server is executed.

7. The method according to claim 2, characterized in that The generating of the custody certificate when the custody audit result indicates that the audit is passed includes: When the custody audit result indicates that the audit is passed, the custody certificate is generated according to the corresponding business data under each item in the confirmation application.

8. The method according to any one of claims 1 to 7, characterized in that: The method further comprises: When the escrow audit result indicates that the audit has failed, manual reply instruction information is sent to the client; the manual reply instruction information is used to instruct the client to display the manual reply instruction information in the target application interface to instruct the user to obtain the escrow certificate manually; the manual reply instruction information includes any one of the address information of the escrow processing unit, the escrow consulting platform information, and the escrow audit result.

9. A method for processing a confirmation request, characterized in that: Applied to a client, the method comprises: In response to a triggering operation on a hosted service function control in a target application interface on the client, sending a verification request to a server; receiving application form information returned by the server based on the verification request, generating an application form according to the application form information, and displaying the application form on the target application interface; In response to an input operation on the application form, input information corresponding to the input operation is sent to the server; the input information is used to instruct the server to perform a trusteeship audit on the user of the client according to the input information and the confirmation application items sent by the target business management server, obtain a trusteeship audit result, and generate a trusteeship certificate if the trusteeship audit result indicates that the audit is passed; The escrow credential returned by the server based on the input information is received.

10. The method according to claim 9, characterized in that The method further comprises: receiving manual reply instruction information sent by the server; the manual reply instruction information includes any one of the address information of the unit to which the escrow processing belongs, the escrow consultation platform information, and the escrow audit result; The manual reply instruction information is displayed in the target application interface.

11. A device for processing a confirmation request, characterized in that: Applied to a server, the device comprises: An acquisition module, configured to, upon receiving a confirmation request sent by a client, acquire application form information corresponding to the confirmation request and send the application form information to the client; A first determination module is used to determine a target business management server according to the verification request, and send a data acquisition request to the target business management server; the data acquisition request is used to obtain certification materials for the escrow business; A first processing module is used to receive input information sent by the client and confirmation application items sent by the target business management server, and perform a custody audit on the user of the client according to the input information and the confirmation application items to obtain a custody audit result, and generate a custody certificate when the custody audit result indicates that the audit is passed; The first sending module is used to send the escrow certificate to the client.

12. The device according to claim 11, characterized in that The first processing module comprises: A first acquisition unit, configured to review the identity of the user according to the input information to obtain a first review result; A second obtaining unit is used to review the reply of the user according to the confirmation application matters to obtain a second review result; A determination unit is used to determine that the management audit result indicates that the audit is passed when the first audit result indicates that the identity of the user is a legal user and the second audit result indicates an automatic reply.

13. The device according to claim 12, characterized in that The input information includes a user number and image information, and the first acquisition unit is specifically used to: Determine whether the user is a delegated user according to the user ID and the whitelist user ID; If the user is the entrusted user, then comparing the image information with the original image information of the user in the database to see if they are consistent; if the image information is consistent with the original image information, then determining that the first audit result indicates that the user is the legal user; If the image information is inconsistent with the original image information, it is determined that the first audit result indicates that the user is not the legal user.

14. The device according to claim 12, characterized in that The second acquisition unit is specifically used to: Determine the number of items included in the confirmation application, and determine whether there is corresponding business data under each item; If the quantity meets the preset quantity requirement and the business data exists under the matter item, determining that the second review result indicates an automatic reply; If the quantity does not meet the preset quantity requirement, or the business data does not exist under the matter item, it is determined that the second review result represents a manual reply.

15. The device according to claim 12, characterized in that When the first audit result indicates that the user is a legitimate user, and the second audit result indicates an automatic reply, the device further includes: A second sending module, used to send a protocol acquisition request to the target service management server; A first receiving module is used to receive the escrow agreement of the user returned by the target business management server based on the agreement acquisition request, and to review the validity of the escrow agreement to obtain a third review result; A second determination module, configured to determine that the custody audit result is approved if the third audit result indicates that the custody agreement is valid; The third determination module is used to determine that the custody audit result is a failed audit if the third audit result indicates that the custody agreement is invalid.

16. The device according to claim 15, characterized in that When the first audit result indicates that the user is a legitimate user, and the second audit result indicates an automatic reply, the device further includes: The fourth determination module is used to determine whether the review time exceeds the preset timing time; A second processing module, configured to place the verification request into a request queue for processing if the review time exceeds the preset timing duration; The third processing module is used to execute the step of sending a protocol acquisition request to the target business management server if the review time does not exceed the preset timing duration.

17. The device according to claim 12, characterized in that The first processing module further includes: The generating unit is used to generate the custody certificate according to the corresponding business data under each item in the confirmation application when the custody audit result indicates that the audit is passed.

18. The device according to any one of claims 11 to 17, characterized in that: The device also includes: The third sending module is used to send manual reply instruction information to the client when the custody audit result indicates that the audit has not passed; the manual reply instruction information is used to instruct the client to display the manual reply instruction information in the target application interface to instruct the user to obtain the custody certificate manually; the manual reply instruction information includes any one of the address information of the custody processing unit, the custody consulting platform information, and the custody audit result.

19. A device for processing a confirmation request, characterized in that: Applied to a client, the device comprises: A fourth sending module, configured to send a confirmation request to the server in response to a triggering operation on a hosting service function control in a target application interface on the client; A second receiving module, configured to receive the application form information returned by the server based on the verification request, generate an application form according to the application form information, and display the application form on the target application interface; a fifth sending module, configured to send input information corresponding to the input operation to the server in response to an input operation on the application form; the input information is used to instruct the server to perform a trusteeship audit on the user of the client according to the input information and the confirmation application items sent by the target business management server, obtain a trusteeship audit result, and generate a trusteeship certificate when the trusteeship audit result indicates that the audit is passed; A sixth receiving module is used to receive the escrow credential returned by the server based on the input information.

20. The device according to claim 19, characterized in that The device also includes: A seventh receiving module, configured to receive manual reply instruction information sent by the server; the manual reply instruction information includes any one of the address information of the unit to which the escrow processing belongs, the escrow consulting platform information, and the escrow audit result; A display module is used to display the manual reply instruction information in the target application interface.

21. A computer device comprising a memory and a processor, wherein the memory stores a computer program, characterized in that: When the processor executes the computer program, the steps of the method according to any one of claims 1 to 10 are implemented.

22. A computer-readable storage medium having a computer program stored thereon, characterized in that: When the computer program is executed by a processor, the steps of the method according to any one of claims 1 to 10 are implemented.

23. A computer program product comprising a computer program, characterized in that When the computer program is executed by a processor, the steps of the method according to any one of claims 1 to 10 are implemented.

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