Processing method of character string information of guarantee and electronic equipment

Abstract

The embodiment of the invention provides a processing method for character string information of a guarantee and electronic equipment. The method comprises the steps of obtaining character string information of a guarantee in response to operation of a user on a loan transaction interface; wherein the guarantee product refers to the guarantee product of the loan transaction; calling a corresponding character string standardization strategy according to a preset standardization parameter; wherein the preset standardized parameter indicates at least one standard item; the character string standardization strategy is a strategy for carrying out standardization processing on character string information of the guarantee; according to a character string standardization strategy, performing standardization processing on the character string information of the guarantee product to obtain standardized character string information of the guarantee product; wherein the standardized guarantee character string information comprises guarantee sub-information corresponding to each standard item. The method is used for achieving the effects of improving loan transaction efficiency and reducing resource consumption.

Description

Technical Field

[0001] The present application relates to the field of data processing technology, and in particular to a method and electronic device for processing string information of collateral. Background Art

[0002] With the continuous development of information technology, the types of bank loans are becoming more and more complex and diversified. Therefore, how to quickly and accurately handle collateral and how to control risks from the source of transactions have put forward higher and higher requirements on the banking system. Among them, how to establish a complete collateral management system is a key part.

[0003] In the prior art, after the character string information of the collateral is obtained, it is directly stored. In the subsequent verification or transaction process, the corresponding character string information of the collateral can be extracted from the memory, and the character string information of the collateral can be processed accordingly to obtain the information required in the verification or transaction process.

[0004] However, the methods in the prior art may lead to problems of high resource consumption and low efficiency in loan transactions. Summary of the invention

[0005] The embodiments of the present application provide a method for processing string information of collateral and an electronic device, so as to improve the efficiency of loan transactions and reduce resource consumption.

[0006] In a first aspect, an embodiment of the present application provides a method for processing string information of collateral, including:

[0007] In response to the user's operation on the loan transaction interface, character string information of the collateral is obtained; wherein the collateral refers to the collateral item of the loan transaction;

[0008] According to the preset standardization parameters, the corresponding string standardization strategy is retrieved; wherein the preset standardization parameters indicate at least one standard item; the string standardization strategy is a strategy for standardizing the string information of the collateral;

[0009] According to the string standardization strategy, the string information of the collateral is standardized to obtain standardized collateral string information; wherein the standardized collateral string information includes collateral sub-information corresponding to each standard item.

[0010] In a possible implementation, the string information of the collateral is standardized according to the string standardization strategy, including: determining the collateral sub-information corresponding to the standard item according to the string standardization strategy and the string information of the collateral; and storing the collateral sub-information corresponding to the standard item in a first string field; wherein the first string field is a field preset in the standardized collateral string information for storing the collateral sub-information corresponding to the standard item.

[0011] In a possible implementation, determining the collateral sub-information corresponding to the standard item according to the string standardization strategy and the string information of the collateral includes: for each standard item, determining whether the string information of the collateral includes the collateral sub-information corresponding to the standard item; if it is determined that the string information of the collateral includes the collateral sub-information corresponding to the standard item, filtering the collateral sub-information corresponding to the standard item from the string information of the collateral; otherwise, determining the collateral sub-information corresponding to the standard item according to the string standardization strategy.

[0012] In a possible implementation, the standard item includes a collateral basic item; the collateral basic item includes: at least one of a collateral number item, a customer number item, a customer certificate information item, and a collateral type item.

[0013] In a possible implementation, the standard item includes a collateral derivative item; the collateral derivative item includes at least one of a customer status item and an account status item.

[0014] In a possible implementation, the method further includes: obtaining other collateral sub-information, and storing the other collateral sub-information in a second string field; wherein the other collateral sub-information is other information in the string information of the collateral excluding the collateral sub-information corresponding to each standard item; and the second string field is a preset field in the standardized collateral string information for storing other collateral sub-information.

[0015] In a possible implementation, the method further includes: acquiring a standardization setting identifier; wherein the standardization setting identifier includes a standardization on-off identifier and at least one standard item on-off identifier; wherein the standardization on-off identifier indicates whether to enable standardization of the string information of the collateral; and the standard item on-off identifier indicates whether to standardize the collateral sub-information corresponding to the standard item; and acquiring the preset standardization parameters according to the standardization on-off identifier and the standard item on-off identifier included in the standardization setting identifier.

[0016] In a possible implementation, the method further includes: in response to a setting modification instruction, modifying the standardization setting identifier to obtain a modified standardization setting identifier; acquiring modified preset standardization parameters according to the standardization opening and closing identifiers and the standard item opening and closing identifiers included in the modified standardization setting identifier; determining a corresponding modified string standardization strategy according to the modified preset standardization parameters, and modifying the standardized collateral string information according to the modified string standardization strategy to obtain new standardized collateral string information.

[0017] In a second aspect, an embodiment of the present application provides a device for processing string information of collateral, including:

[0018] An acquisition module, used to acquire character string information of collateral in response to a user's operation on the loan transaction interface; wherein the collateral refers to collateral items for the loan transaction;

[0019] A calling module, used to call a corresponding string standardization strategy according to a preset standardization parameter; wherein the preset standardization parameter indicates at least one standard item; and the string standardization strategy is a strategy for standardizing the string information of the collateral;

[0020] A processing module is used to standardize the string information of the collateral according to the string standardization strategy to obtain standardized collateral string information; wherein the standardized collateral string information includes collateral sub-information corresponding to each standard item.

[0021] In a possible implementation, the processing module is specifically used to determine the collateral sub-information corresponding to the standard item according to the string standardization strategy and the string information of the collateral; and save the collateral sub-information corresponding to the standard item in a first string field; wherein the first string field is a field preset in the standardized collateral string information for saving the collateral sub-information corresponding to the standard item.

[0022] In a possible implementation manner, the processing module is further specifically configured to determine, for each standard item, whether the string information of the collateral includes the collateral sub-information corresponding to the standard item; if it is determined that the string information of the collateral includes the collateral sub-information corresponding to the standard item, filter the collateral sub-information corresponding to the standard item from the string information of the collateral; otherwise, determine the collateral sub-information corresponding to the standard item according to the string standardization strategy.

[0023] In a possible implementation, the standard item includes a collateral basic item; the collateral basic item includes: at least one of a collateral number item, a customer number item, a customer certificate information item, and a collateral type item.

[0024] In a possible implementation, the standard item includes a collateral derivative item; the collateral derivative item includes at least one of a customer status item and an account status item.

[0025] In a possible implementation, the acquisition module is further used to acquire other collateral sub-information and store the other collateral sub-information in a second string field; wherein the other collateral sub-information is other information in the string information of the collateral excluding the collateral sub-information corresponding to each standard item; and the second string field is a preset field in the standardized collateral string information for storing other collateral sub-information.

[0026] In a possible implementation, the retrieval module is further used to obtain a standardization setting identifier; wherein the standardization setting identifier includes a standardization opening and closing identifier and at least one standard item opening and closing identifier; wherein the standardization opening and closing identifier indicates whether to enable standardization of the string information of the collateral; the standard item opening and closing identifier indicates whether to standardize the collateral sub-information corresponding to the standard item; and the preset standardization parameters are obtained according to the standardization opening and closing identifier and the standard item opening and closing identifier included in the standardization setting identifier.

[0027] In a possible implementation, the processing module is further used to modify the standardization setting identifier in response to a setting modification instruction to obtain a modified standardization setting identifier; obtain modified preset standardization parameters according to the standardization opening and closing identifiers and the standard item opening and closing identifiers included in the modified standardization setting identifier; determine the corresponding modified string standardization strategy according to the modified preset standardization parameters, and modify the standardized collateral string information according to the modified string standardization strategy to obtain new standardized collateral string information.

[0028] In a third aspect, an embodiment of the present application provides an electronic device, including: a memory, a processor;

[0029] The memory stores computer-executable instructions;

[0030] The processor executes the computer-executable instructions stored in the memory, so that the processor executes the above first aspect and / or various possible implementations of the first aspect.

[0031] In a fourth aspect, an embodiment of the present application provides a computer-readable storage medium, in which computer-executable instructions are stored. When the computer-executable instructions are executed by a processor, they are used to implement the first aspect above and / or various possible implementations of the first aspect.

[0032] In a fifth aspect, an embodiment of the present application provides a computer program product, including a computer program, which, when executed by a processor, implements the above first aspect and / or various possible implementation methods of the first aspect.

[0033] The method and electronic device for processing the string information of the collateral provided in the embodiments of the present application obtain the string information of the collateral in response to the operation of the user on the loan transaction interface, call the corresponding string standardization strategy according to the preset standardization parameters, and standardize the string information of the collateral according to the string standardization strategy to obtain standardized collateral string information. After obtaining the string information of the collateral, the obtained string information of the collateral is standardized, which can improve the efficiency of the loan transaction and reduce the resource consumption of the loan transaction. BRIEF DESCRIPTION OF THE DRAWINGS

[0034] The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the present application and, together with the description, serve to explain the principles of the present application.

[0035] Figure 1 Schematic diagram of the process of processing the string information of the collateral provided for this application Figure 1 ;

[0036] Figure 2 Schematic diagram of the process of processing the string information of the collateral provided for this application Figure 2 ;

[0037] Figure 3 A schematic diagram of the structure of a device for processing string information of collateral provided in this application;

[0038] Figure 4 A schematic diagram of the structure of the electronic device provided in this application.

[0039] The above drawings have shown clear embodiments of the present application, which will be described in more detail later. These drawings and text descriptions are not intended to limit the scope of the present application in any way, but to illustrate the concept of the present application to those skilled in the art by referring to specific embodiments. DETAILED DESCRIPTION

[0040] Exemplary embodiments will be described in detail herein, examples of which are shown in the accompanying drawings. When the following description refers to the drawings, the same numbers in different drawings represent the same or similar elements unless otherwise indicated. The implementations described in the following exemplary embodiments do not represent all implementations consistent with the present application. Instead, they are merely examples of devices and methods consistent with some aspects of the present application as detailed in the appended claims.

[0041] In the prior art, after obtaining the string information of the collateral, it is directly stored. In the subsequent verification or transaction process, the corresponding string information of the collateral can be extracted from the memory, and the string information of the collateral can be processed accordingly to obtain the information required in the verification or transaction process. However, the method in the prior art will lead to the problems of large resource consumption and low efficiency.

[0042] The method for processing the string information of the collateral provided in the present application obtains the string information of the collateral in response to the user's operation on the loan transaction interface, calls the corresponding string standardization strategy according to the preset standardization parameters, and standardizes the string information of the collateral according to the string standardization strategy to obtain standardized collateral string information. After obtaining the string information of the collateral, the obtained string information of the collateral is standardized, which can improve the efficiency of the loan transaction and reduce the resource consumption of the loan transaction.

[0043] The technical solution of the present application and how the technical solution of the present application solves the above-mentioned technical problems are described in detail below with specific embodiments. The following specific embodiments can be combined with each other, and the same or similar concepts or processes may not be repeated in some embodiments. The embodiments of the present application will be described below in conjunction with the accompanying drawings.

[0044] Figure 1 Schematic diagram of the process of processing the string information of the collateral provided for this application Figure 1 ,like Figure 1 As shown, the method includes:

[0045] Step S101: In response to a user's operation on a loan transaction interface, character string information of collateral is obtained.

[0046] Specifically, in response to the user's operation on the loan transaction interface, the string information of the collateral can be obtained. The collateral refers to the collateral for the loan transaction. The present application does not limit the collateral, and any collateral for the loan transaction can be used as the collateral provided by the present application. Optionally, the types of collateral include but are not limited to: bill mortgage type, land type, machinery and equipment type, vehicle type, etc. The string information of the collateral is a string used to characterize the information of the collateral. The present application does not limit the string information of the collateral, and any string that characterizes the information of the collateral can be used as the string information of the collateral provided by the present application.

[0047] The loan transaction interface is an operation interface of the loan transaction system, which is used to input loan transaction related information. The loan transaction interface can be flexibly set according to user needs, for example, changing the information input method included in the loan transaction interface, or changing the type of operation box included in the loan transaction interface.

[0048] Among them, this application does not limit the user's operations on the loan transaction interface. Optionally, the user's operations on the loan transaction interface include but are not limited to input operations, selection operations, and other operations.

[0049] The present application does not preface the process of obtaining the string information of the collateral in response to the user's operation on the loan transaction interface. Optionally, the corresponding loan transaction string information can be obtained in response to the user's operation on the loan transaction interface, and then the corresponding string information of the collateral can be extracted from the loan transaction string information. The information included in the string information of the collateral corresponds to the loan transaction interface.

[0050] The present application does not limit the string length of the string information of the collateral, and the string length of the string information of the collateral can be preset according to the information of the loan transaction system, for example, 1000 bits, and the present application does not limit the information of the loan transaction system, and the information of the loan transaction system includes but is not limited to at least one of the loan function, loan transaction volume, etc. The string length of the string information of the collateral corresponds to the loan transaction system.

[0051] Step S102: According to the preset standardization parameters, the corresponding string standardization strategy is retrieved.

[0052] Specifically, according to the preset standardization parameters, the corresponding string standardization strategy can be called. The preset standardization parameters indicate at least one standard item. The standard item refers to an information item for standardizing the string information of the collateral. The present application does not limit the standard items indicated by the preset standardization parameters. Optionally, the standard items include but are not limited to information items such as collateral basic items and collateral derivative items. The present application does not limit the number of standard items indicated by the preset standardization parameters.

[0053] The preset standardization parameters are parameter information of the string standardization strategy corresponding to the string information of the collateral. The present application does not limit the process of obtaining the preset standardization parameters. Optionally, the standardization setting identifier can be obtained, and then the preset standardization parameters can be obtained according to the standardization opening and closing identifier and the standard item opening and closing identifier included in the standardization setting identifier.

[0054] The string standardization strategy is a strategy for standardizing the string information of the collateral. The string standardization strategy corresponds to the preset standardization parameters.

[0055] The present application does not limit the process of retrieving the corresponding string standardization strategy according to the preset standardization parameters. Optionally, the corresponding string standardization strategy can be retrieved from a pre-built string standardization strategy library according to the preset standardization parameters. The pre-built string standardization strategy library is a database of pre-built strategies for standardizing the string information of collateral.

[0056] Step S103: Standardize the string information of the collateral according to the string standardization strategy to obtain standardized string information of the collateral.

[0057] Specifically, according to the string standardization strategy retrieved in step S102, the string information of the collateral can be standardized to obtain standardized string information of the collateral, wherein the standardized string information of the collateral includes the collateral sub-information corresponding to each standard item.

[0058] The present application does not limit the process of standardizing the string information of the collateral according to the string standardization strategy to obtain the standardized collateral string information. Optionally, for each standard item, it can be determined whether the string information of the collateral includes the collateral sub-information corresponding to the standard item; if it is determined that the string information of the collateral includes the collateral sub-information corresponding to the standard item, the collateral sub-information corresponding to the standard item is filtered from the string information of the collateral; otherwise, the collateral sub-information corresponding to the standard item is determined according to the string standardization strategy.

[0059] The present application does not limit the string length of the standardized collateral string information, wherein the string length of the standardized collateral string information can be preset according to the information of the loan transaction system, for example, 2000 bits. The string length of the collateral string information corresponds to the loan transaction system.

[0060] The method for processing the string information of the collateral provided in the embodiment of the present application obtains the string information of the collateral in response to the operation of the user on the loan transaction interface, calls the corresponding string standardization strategy according to the preset standardization parameters, and standardizes the string information of the collateral according to the string standardization strategy to obtain standardized collateral string information. After obtaining the string information of the collateral, the obtained string information of the collateral is standardized, which can improve the efficiency of the loan transaction and reduce the resource consumption of the loan transaction.

[0061] In a possible embodiment, the standard item includes a collateral basic item. The collateral basic item is a basic information item for standardizing the string information of the collateral. Optionally, the collateral basic item includes at least one of a collateral number item, a customer number item, a customer certificate information item, and a collateral type item.

[0062] Among them, the collateral number item corresponds to the collateral number. The collateral number is a unique coding identifier set by financial institutions such as banks, securities companies and insurance companies for each collateral. Among them, this application does not limit the collateral code. Any unique code set by any financial institution such as banks, securities companies and insurance companies for each collateral can be used as the collateral number provided in this application.

[0063] Among them, the customer number item corresponds to the customer number information, and the customer number information is a unique identification code set by financial institutions such as banks, securities companies and insurance companies for each customer. Among them, this application does not limit the user number information. Any unique identification code set by any financial institution such as banks, securities companies and insurance companies for each customer can be used as the user number information provided by this application.

[0064] Among them, the customer certificate information item corresponds to the customer certificate information, wherein this application does not limit the customer certificate information, and optionally, it may include but is not limited to: customer certificate type and customer certificate number registration information. Among them, this application does not limit the customer certificate type, and optionally, it may be at least one of the resident identity card type, Hong Kong and Macao Pass type, and foreign resident identity card type.

[0065] Among them, the collateral type item corresponds to the collateral type, wherein the present application does not limit the collateral type, and optionally, the collateral type may include a major collateral category and a minor collateral category. Among them, the present application does not limit the major collateral category, and optionally, the major collateral category includes but is not limited to the bill mortgage type, land type, machinery and equipment type, vehicle type, and other types. Among them, the present application does not limit the minor collateral category, for example, the vehicle type includes minor collateral categories corresponding to different types of vehicles.

[0066] In a possible embodiment, the standard item includes a collateral derivative item. The collateral derivative item is a derivative information item that standardizes the string information of the collateral. Optionally, the collateral derivative item includes at least one of a customer status item and an account status item.

[0067] Among them, the customer status item corresponds to customer status information, and the customer status information includes but is not limited to: whether the customer is on the blacklist, whether the customer's certificate is expired, whether the customer is on the external sanctions list, and at least one of the following states.

[0068] Among them, the account status item corresponds to account status information, and the account status information includes but is not limited to: whether the account is in a frozen state, whether the account is in an abnormal state, and at least one of the following states.

[0069] Among them, by setting standard items for collateral derivatives, initial risk control of loan transactions can be carried out based on the collateral of loan transactions, thereby improving the security of loan transactions.

[0070] In a possible embodiment, the method for processing the string information of the collateral further includes: obtaining a standardization setting identifier, and obtaining a preset standardization parameter according to a standardization opening and closing identifier and a standard item opening and closing identifier included in the standardization setting identifier.

[0071] The standardization setting identifier is an identifier for setting the standardization process. The present application does not limit the standardization setting identifier, and any identifier that can set the standardization process can be used as the standardization setting identifier provided by the present application.

[0072] Optionally, the standardization setting identifier includes a standardization opening and closing identifier and at least one standard item opening and closing identifier. Among them, the standardization opening and closing identifier indicates whether to enable standardized processing of the string information of the collateral, wherein the present application does not limit the form of the standardization opening and closing identifier. Optionally, if the standardization opening and closing identifier is set to 1, the standardization opening and closing identifier indicates that the string information of the collateral is standardized; if the standardization opening and closing identifier is set to 0, the standardization opening and closing identifier indicates that the string information of the collateral is not standardized. Among them, the standard item opening and closing identifier indicates whether to standardize the collateral sub-information corresponding to the standard item. Among them, the present application does not limit the form of the standard item opening and closing identifier. Optionally, if the standard item opening and closing identifier is set to 1, the standard item opening and closing identifier indicates that the collateral sub-information corresponding to the standard item is standardized; if the standard item opening and closing identifier is set to 0, the standard item opening and closing identifier indicates that the collateral sub-information corresponding to the standard item is not standardized.

[0073] If the standardized opening and closing flag is set to 1, the setting of the opening and closing flags of each standard item is valid. If the standardized opening and closing flag is set to 0, the setting of the opening and closing flags of each standard item is invalid.

[0074] Optionally, when the types of collateral are different, the opening and closing settings for standardizing the string information of the collateral indicated by the corresponding standardized opening and closing marks, and / or the opening and closing settings for standardizing the collateral sub-information corresponding to the standard items indicated by the corresponding standard item opening and closing marks may also be different.

[0075] Optionally, for different loan transactions, the opening and closing settings for standardizing the string information of the collateral indicated by the corresponding standardized opening and closing identifiers, and / or the opening and closing settings for standardizing the collateral sub-information corresponding to the standard item indicated by the corresponding standard item opening and closing identifiers may also be different.

[0076] In a possible embodiment, the method for processing the string information of the collateral further includes: in response to the setting modification instruction, modifying the standardization setting identifier to obtain a modified standardization setting identifier. According to the standardization opening and closing identifier and the standard item opening and closing identifier included in the modified standardization setting identifier, obtaining a modified preset standardization parameter. According to the modified preset standardization parameter, determining a corresponding modified string standardization strategy, and modifying the standardized collateral string information according to the modified string standardization strategy to obtain new standardized collateral string information.

[0077] Among them, the setting modification instruction is a user instruction for modifying the standardized setting identifier, and the setting modification instruction indicates the identifier to be modified. Among them, the present application does not limit the identifier to be modified indicated by the setting modification instruction. Optionally, it can be a standardized opening and closing identifier, and / or at least one of the standard item opening and closing identifiers.

[0078] Among them, the present application does not limit the process of modifying the standardized setting identifier in response to the setting modification instruction to obtain the modified standardized setting identifier. Optionally, in response to the setting modification instruction, the identifier to be modified indicated by the standardized setting identifier can be modified to obtain the modified standardized setting identifier.

[0079] For the description of the modified standardization setting identifier, please refer to the description of the standardization setting identifier in the above embodiment, which will not be repeated here. For the description of the modified string standardization strategy, please refer to the description of the string standardization strategy in the above embodiment, which will not be repeated here.

[0080] Figure 2 Schematic diagram of the process of processing the string information of the collateral provided for this application Figure 2 ,like Figure 2 As shown, in this embodiment Figure 1 Based on the embodiment, a method for standardizing the string information of collateral according to the string standardization strategy is described in detail. The method includes:

[0081] Step S201: Determine the collateral sub-information corresponding to the standard item according to the string standardization strategy and the string information of the collateral.

[0082] Specifically, according to the string standardization strategy and the string information of the collateral, the collateral sub-information corresponding to the standard item can be determined. Among them, the present application does not limit the process of determining the collateral sub-information corresponding to the standard item according to the string standardization strategy and the string information of the collateral. Optionally, according to the string standardization strategy and the string information of the collateral, the process of determining the collateral sub-information corresponding to the standard item can include: for each standard item, determining whether the string information of the collateral includes the collateral sub-information corresponding to the standard item. Among them, if it is determined that the collateral sub-information corresponding to the standard item is included in the string information of the collateral, the collateral sub-information corresponding to the standard item is filtered from the string information of the collateral. Otherwise, according to the string standardization strategy, the collateral sub-information corresponding to the standard item is determined.

[0083] Among them, this application does not limit the type of collateral sub-information included in the string information of the collateral corresponding to the loan transaction, and optionally, it can include at least one of the collateral number, customer number, customer certificate information, and collateral type.

[0084] Optionally, according to the string standardization strategy, the process of determining the collateral sub-information corresponding to the standard item may include: if it is determined that the collateral sub-information corresponding to the standard item not included in the string information of the collateral is a collateral basic item, then according to the string standardization strategy, the process of determining the collateral sub-information corresponding to the standard item may be to determine the collateral sub-information corresponding to the standard item according to the collateral sub-information corresponding to other collateral basic items. Optionally, if the string information of the collateral does not include the customer number, the corresponding customer number may be determined based on the customer certificate information; if the string information of the collateral does not include the collateral type, the corresponding collateral type may be determined based on the collateral number, wherein the present application does not limit the process of determining the corresponding collateral type based on the collateral number, and optionally, the corresponding collateral type may be determined based on the collateral number and the preset mapping relationship.

[0085] Optionally, the process of determining the collateral sub-information corresponding to the standard item according to the string standardization policy may include: if the collateral sub-information corresponding to the standard item not included in the string information of the collateral is determined to be a collateral derivative item, then the process of determining the collateral sub-information corresponding to the standard item according to the string standardization policy may be to determine the collateral sub-information corresponding to the standard item according to the collateral sub-information corresponding to the collateral base item. Optionally, if the string information of the collateral does not include the customer status information, the customer status information may be determined according to the collateral sub-information corresponding to the collateral base item.

[0086] Step S202: Save the collateral sub-information corresponding to the standard item in the first string field.

[0087] Specifically, after determining the collateral sub-information corresponding to the standard item according to the string standardization strategy and the string information of the collateral, the collateral sub-information corresponding to the standard item can be stored in the first string field. The first string field is a field preset in the standardized collateral string information for storing the collateral sub-information corresponding to the standard item. Specifically, the number of first string fields included in the standardized collateral string information corresponds to the number of standard items.

[0088] Step S203: Acquire other collateral sub-information, and save the other collateral sub-information in the second character string field.

[0089] Specifically, other collateral sub-information can be obtained and stored in the second string field. Among them, other collateral sub-information is other information in the string information of the collateral, excluding the collateral sub-information corresponding to each standard item. Among them, other collateral sub-information includes detailed information of the collateral. Among them, when the type of collateral is different, the detailed information of the corresponding collateral is also different. For example, if the type of collateral is a bill mortgage type, the detailed information of the collateral includes but is not limited to information such as bill number information, whether it is pledged, whether it is transferred endorsement information, etc.; if the type of collateral is a land type, the detailed information of the collateral includes but is not limited to information such as land ownership number information, land ownership certificate number information, land use right expiration date information, owner information, land mortgage area information, etc.; if the type of collateral is a mechanical equipment type, the detailed information of the collateral includes but is not limited to information such as manufacturer information, model information, license number information, registration date information, factory year information, customs entry number information, etc.

[0090] The second character string field is a field preset in the standardized collateral character string information and used to store other collateral sub-information.

[0091] The embodiment of the present application provides a process for standardizing the string information of collateral according to a string standardization strategy, by determining the collateral sub-information corresponding to the standard item according to the string standardization strategy and the string information of the collateral, storing the collateral sub-information corresponding to the standard item in a first string field, obtaining other collateral sub-information, and storing the other collateral sub-information in a second string field, wherein, by presetting multiple first string fields, respectively storing the collateral sub-information corresponding to each standard item, the efficiency of loan transactions can be improved and the resource consumption of loan transactions can be reduced, wherein, by presetting the second string field, storing other collateral sub-information, the comprehensiveness of the collateral string information can be guaranteed on the basis of standardization, and the accuracy of loan transactions can be improved.

[0092] Figure 3 A schematic diagram of the structure of the device for processing the string information of the collateral provided in this application, such as Figure 3 As shown, the device 30 for processing the string information of collateral provided in this embodiment includes:

[0093] The acquisition module 301 is used to acquire the string information of the collateral in response to the user's operation on the loan transaction interface; wherein the collateral refers to the collateral item of the loan transaction;

[0094] The calling module 302 is used to call the corresponding string standardization strategy according to the preset standardization parameters; wherein the preset standardization parameters indicate at least one standard item; the string standardization strategy is a strategy for standardizing the string information of the collateral;

[0095] The processing module 303 is used to perform standardization processing on the collateral string information according to the string standardization strategy to obtain standardized collateral string information; wherein the standardized collateral string information includes collateral sub-information corresponding to each standard item.

[0096] In a possible embodiment, the processing module 303 is specifically used to determine the collateral sub-information corresponding to the standard item according to the string standardization strategy and the string information of the collateral; and save the collateral sub-information corresponding to the standard item in a first string field; wherein the first string field is a field preset in the standardized collateral string information for saving the collateral sub-information corresponding to the standard item.

[0097] In a possible embodiment, the processing module 303 is further specifically configured to determine, for each standard item, whether the string information of the collateral includes the collateral sub-information corresponding to the standard item; if it is determined that the string information of the collateral includes the collateral sub-information corresponding to the standard item, then filter the collateral sub-information corresponding to the standard item from the string information of the collateral; otherwise, determine the collateral sub-information corresponding to the standard item according to the string standardization strategy.

[0098] In a possible embodiment, the standard item includes a collateral basic item; the collateral basic item includes: at least one of a collateral number item, a customer number item, a customer certificate information item, and a collateral type item.

[0099] In a possible embodiment, the standard item includes a collateral derivative item; the collateral derivative item includes at least one of a customer status item and an account status item.

[0100] In a possible embodiment, the acquisition module 301 is further used to acquire other collateral sub-information and store the other collateral sub-information in a second string field; wherein the other collateral sub-information is other information in the string information of the collateral except the collateral sub-information corresponding to each standard item; and the second string field is a preset field in the standardized collateral string information for storing other collateral sub-information.

[0101] In a possible embodiment, the calling module 302 is further used to obtain a standardization setting identifier; wherein the standardization setting identifier includes a standardization opening and closing identifier and at least one standard item opening and closing identifier; wherein the standardization opening and closing identifier indicates whether to enable standardization of the string information of the collateral; the standard item opening and closing identifier indicates whether to standardize the collateral sub-information corresponding to the standard item; and according to the standardization opening and closing identifier and the standard item opening and closing identifier included in the standardization setting identifier, the preset standardization parameters are obtained.

[0102] In a possible embodiment, the processing module 303 is further used to modify the standardization setting identifier in response to the setting modification instruction to obtain a modified standardization setting identifier; obtain the modified preset standardization parameters according to the standardization opening and closing identifiers and the standard item opening and closing identifiers included in the modified standardization setting identifier; determine the corresponding modified string standardization strategy according to the modified preset standardization parameters, and modify the standardized collateral string information according to the modified string standardization strategy to obtain new standardized collateral string information.

[0103] The device for processing the string information of collateral provided in this embodiment can execute the method provided in the above method embodiment, and its implementation principle and technical effect are similar, which will not be described in detail in this embodiment.

[0104] Figure 4 This is a schematic diagram of the structure of the electronic device provided in this application. Figure 4 As shown, the electronic device 40 provided in this embodiment includes: at least one processor 401 and a memory 402. Optionally, the device 40 also includes a communication component 403. The processor 401, the memory 402 and the communication component 403 are connected via a bus 404.

[0105] In a specific implementation process, at least one processor 401 executes the computer-executable instructions stored in the memory 402, so that at least one processor 401 executes the above method.

[0106] The specific implementation process of the processor 401 can be found in the above method embodiment, and its implementation principle and technical effect are similar, so this embodiment will not be repeated here.

[0107] In the above embodiments, it should be understood that the processor may be a central processing unit (CPU), or other general-purpose processors, digital signal processors (DSP), application-specific integrated circuits (ASIC), etc. A general-purpose processor may be a microprocessor or any conventional processor. The steps of the method disclosed in the invention may be directly implemented as being executed by a hardware processor, or may be executed by a combination of hardware and software modules in the processor.

[0108] The memory may include a high-speed memory (Random Access Memory, RAM), and may also include a non-volatile memory (Non-volatile Memory, NVM), such as at least one disk memory.

[0109] The bus may be an Industry Standard Architecture (ISA) bus, a Peripheral Component Interconnect (PCI) bus, or an Extended Industry Standard Architecture (EISA) bus, etc. The bus may be divided into an address bus, a data bus, a control bus, etc. For ease of representation, the bus in the drawings of the present application is not limited to only one bus or one type of bus.

[0110] The present application also provides a computer program product, including a computer program, which implements the above method when executed by a processor.

[0111] The present application also provides a computer-readable storage medium, in which computer-executable instructions are stored. When a processor executes the computer-executable instructions, the above method is implemented.

[0112] The above-mentioned readable storage medium can be implemented by any type of volatile or non-volatile storage device or a combination thereof, such as static random access memory (SRAM), electrically erasable programmable read-only memory (EEPROM), erasable programmable read-only memory (EPROM), programmable read-only memory (PROM), read-only memory (ROM), magnetic memory, flash memory, magnetic disk or optical disk. The readable storage medium can be any available medium that can be accessed by a general or special-purpose computer.

[0113] An exemplary readable storage medium is coupled to a processor so that the processor can read information from the readable storage medium and write information to the readable storage medium. Of course, the readable storage medium can also be a component of the processor. The processor and the readable storage medium can be located in an application specific integrated circuit (Application Specific Integrated Circuits, referred to as: ASIC). Of course, the processor and the readable storage medium can also exist in the device as discrete components.

[0114] The division of units is only a logical function division, and there may be other divisions in actual implementation, such as multiple units or components can be combined or integrated into another system, or some features can be ignored or not executed. Another point is that the mutual coupling or direct coupling or communication connection shown or discussed can be an indirect coupling or communication connection through some interface, device or unit, which can be electrical, mechanical or other forms.

[0115] The units described as separate components may or may not be physically separated, and the components shown as units may or may not be physical units, that is, they may be located in one place or distributed on multiple network units. Some or all of the units may be selected according to actual needs to achieve the purpose of the solution of this embodiment.

[0116] In addition, each functional unit in each embodiment of the present invention may be integrated into one processing unit, or each unit may exist physically separately, or two or more units may be integrated into one unit.

[0117] If the function is implemented in the form of a software functional unit and sold or used as an independent product, it can be stored in a computer-readable storage medium. Based on this understanding, the technical solution of the present invention, or the part that contributes to the prior art, or the part of the technical solution, can be embodied in the form of a software product. The computer software product is stored in a storage medium, including several instructions for a computer device (which can be a personal computer, server, or network device, etc.) to perform all or part of the steps of the methods of each embodiment of the present invention. The aforementioned storage medium includes: U disk, mobile hard disk, read-only memory (ROM, Read-Only Memory), random access memory (RAM, Random Access Memory), disk or optical disk, etc. Various media that can store program codes.

[0118] Those skilled in the art can understand that all or part of the steps of implementing the above-mentioned method embodiments can be completed by hardware related to program instructions. The aforementioned program can be stored in a computer-readable storage medium. When the program is executed, the steps of the above-mentioned method embodiments are executed; and the aforementioned storage medium includes: ROM, RAM, disk or optical disk and other media that can store program codes.

[0119] Finally, it should be noted that those skilled in the art will readily conceive of other embodiments of the present invention after considering the specification and practicing the invention disclosed herein. The present invention is intended to cover any variations, uses or adaptations of the present invention, which follow the general principles of the present invention and include common knowledge or customary technical means in the art not disclosed by the present invention, are not limited to the precise structure described above and shown in the drawings, and may be modified and changed in various ways without departing from the scope thereof. The scope of the present invention is limited only by the appended claims.

Claims

1. A method for processing string information of collateral, characterized in that: include: In response to the user's operation on the loan transaction interface, character string information of the collateral is obtained; wherein the collateral refers to the collateral item of the loan transaction; According to the preset standardization parameters, the corresponding string standardization strategy is retrieved; wherein the preset standardization parameters indicate at least one standard item; the string standardization strategy is a strategy for standardizing the string information of the collateral; According to the string standardization strategy, the string information of the collateral is standardized to obtain standardized collateral string information; wherein the standardized collateral string information includes collateral sub-information corresponding to each standard item.

2. The method according to claim 1, characterized in that According to the string standardization strategy, the string information of the collateral is standardized, including: Determining the collateral sub-information corresponding to the standard item according to the string standardization strategy and the string information of the collateral; The collateral sub-information corresponding to the standard item is stored in a first string field; wherein the first string field is a field preset in the standardized collateral string information for storing the collateral sub-information corresponding to the standard item.

3. The method according to claim 2, characterized in that According to the string standardization strategy and the string information of the collateral, the collateral sub-information corresponding to the standard item is determined, including: For each standard item, determining whether the string information of the collateral includes the collateral sub-information corresponding to the standard item; If it is determined that the string information of the collateral includes the collateral sub-information corresponding to the standard item, the collateral sub-information corresponding to the standard item is filtered from the string information of the collateral; otherwise, the collateral sub-information corresponding to the standard item is determined according to the string standardization strategy.

4. The method according to claim 1, characterized in that: The standard items include collateral basic items; the collateral basic items include: at least one of a collateral number item, a customer number item, a customer certificate information item, and a collateral type item.

5. The method according to claim 1, characterized in that The standard items include collateral derivative items; the collateral derivative items include at least one of customer status items and account status items.

6. The method according to any one of claims 1 to 5, characterized in that: The method further comprises: Obtaining other collateral sub-information, and storing the other collateral sub-information in a second string field; The other collateral sub-information is other information in the string information of the collateral except the collateral sub-information corresponding to each standard item; The second character string field is a field preset in the standardized collateral character string information and used to store other collateral sub-information.

7. The method according to claim 6, characterized in that The method further comprises: Obtaining a standardization setting identifier; wherein the standardization setting identifier includes a standardization on / off identifier and at least one standard item on / off identifier; wherein the standardization on / off identifier indicates whether to enable standardization of the string information of the collateral; and the standard item on / off identifier indicates whether to standardize the collateral sub-information corresponding to the standard item; The preset standardization parameters are acquired according to the standardization opening and closing flags and the standard item opening and closing flags included in the standardization setting flags.

8. The method according to claim 7, characterized in that The method further comprises: In response to the setting modification instruction, modify the standardized setting identifier to obtain a modified standardized setting identifier; According to the standardized opening and closing flags and the standard item opening and closing flags included in the modified standardized setting flags, obtaining the modified preset standardized parameters; According to the modified preset standardization parameters, a corresponding modified string standardization strategy is determined, and according to the modified string standardization strategy, the standardized collateral string information is modified to obtain new standardized collateral string information.

9. An electronic device, characterized in that: include: Memory, processor; The memory stores computer-executable instructions; The processor executes the computer-executable instructions stored in the memory, so that the processor performs the method according to any one of claims 1 to 8.

10. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores computer-executable instructions, which are used to implement the method according to any one of claims 1 to 8 when executed by a processor.

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