Online authorization method, device and equipment for public accumulation fund and storage medium

Abstract

The embodiment of the invention provides a public accumulation fund online authorization method and device, equipment and a storage medium. The method comprises the steps of obtaining identity information of a target user in response to a login instruction triggered by the target user through a front-end interface of a bank client; receiving accumulation fund authorization information input by the target user through a front-end interface of the bank client; wherein the accumulation fund authorization information represents an authorization range; according to the public accumulation fund authorization information, obtaining and displaying an authorization protocol corresponding to the public accumulation fund authorization information on a front-end interface of the bank client; and in response to an authorization agreement instruction triggered by the target user, generating a public accumulation fund authorization record of the target user according to the identity information and the public accumulation fund authorization information. The method is used for achieving the effect of improving the convenience of public accumulation fund authorization.

Description

Technical Field

[0001] The present application relates to the field of financial technology, and in particular to an online authorization method, device, equipment and storage medium for provident fund. Background Art

[0002] Currently, before users conduct business at the Provident Fund Center, they need to go to the bank to apply for a paper authorization agreement. Only after obtaining the paper authorization agreement can they conduct corresponding provident fund business at the Provident Fund Center.

[0003] However, the authorization process is not convenient in this process. Therefore, a convenient and efficient authorization method is urgently needed. Summary of the invention

[0004] The embodiments of the present application provide an online authorization method, device, equipment and storage medium for provident fund, so as to achieve the effect of improving the convenience of provident fund authorization.

[0005] In a first aspect, an embodiment of the present application provides an online authorization method for a provident fund, including:

[0006] In response to a login instruction triggered by a target user through a front-end interface of a bank client, obtaining identity information of the target user;

[0007] Receiving provident fund authorization information input by the target user through the front-end interface of the bank client; wherein the provident fund authorization information represents the authorization scope;

[0008] According to the provident fund authorization information, obtaining and displaying the authorization agreement corresponding to the provident fund authorization information on the front-end interface of the bank client;

[0009] In response to the consent authorization instruction triggered by the target user, a provident fund authorization record of the target user is generated according to the identity information and the provident fund authorization information.

[0010] In a possible implementation, the provident fund authorization information includes provident fund authorization agency information, provident fund authorization type and authorization time; wherein, the provident fund authorization type includes a first type and a second type, the first type represents provident fund withdrawal, and the second type represents provident fund entrusted deduction.

[0011] In a possible implementation, obtaining, according to the provident fund authorization information, an authorization agreement corresponding to the provident fund authorization information includes:

[0012] Determine, according to the provident fund authorization agency information, a candidate authorization agreement corresponding to the provident fund authorization agency information;

[0013] According to the provident fund authorization type, the authorization protocol corresponding to the provident fund authorization information is determined from the candidate authorization protocols.

[0014] In a possible implementation, determining the authorization protocol corresponding to the provident fund authorization information from the candidate authorization protocols according to the provident fund authorization type includes:

[0015] According to the provident fund authorization type, determining an initial authorization protocol corresponding to the provident fund authorization type from the candidate authorization protocols;

[0016] If it is determined that the initial authorization agreement is valid, then the initial authorization agreement is determined to be the authorization agreement corresponding to the provident fund authorization information.

[0017] In a possible implementation manner, after receiving the provident fund authorization information input by the target user through the front-end interface of the bank client, the method includes:

[0018] If it is determined that the provident fund authorization type in the received provident fund authorization information is the second type, acquiring and displaying at least one loan identifier of the target user on the front-end interface of the bank client according to the identity information of the target user;

[0019] The target loan identifier selected by the target user is received.

[0020] In a possible implementation, generating a provident fund authorization record of the target user according to the identity information and the provident fund authorization information includes:

[0021] A provident fund authorization record of the target user is generated according to the identity information, the provident fund authorization information and the target loan identifier.

[0022] In a possible implementation, the method further includes:

[0023] In response to a query instruction triggered by the target user through the front-end interface of the bank client, the provident fund authorization record of the target user is acquired and displayed on the front-end interface of the bank client according to the identity information of the target user.

[0024] In a second aspect, an embodiment of the present application provides an online authorization device, including:

[0025] A first acquisition module, configured to acquire the identity information of the target user in response to a login instruction triggered by the target user through the front-end interface of the bank client;

[0026] A receiving module, used to receive the provident fund authorization information input by the target user through the front-end interface of the bank client; wherein the provident fund authorization information represents the authorization scope;

[0027] A second acquisition module is used to acquire, according to the provident fund authorization information, and display the authorization agreement corresponding to the provident fund authorization information on the front-end interface of the bank client;

[0028] A generating module is used to generate a provident fund authorization record of the target user according to the identity information and the provident fund authorization information in response to the consent authorization instruction triggered by the target user.

[0029] In a third aspect, an embodiment of the present application provides an electronic device, including: a memory, a processor;

[0030] The memory stores computer-executable instructions;

[0031] 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.

[0032] 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.

[0033] 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.

[0034] The embodiment of the present application provides an online authorization method, device, equipment and storage medium for provident fund. After the financial service platform obtains the identity information of the target user based on the bank client, and the provident fund authorization information of the target user, it can determine the authorization agreement based on the provident fund authorization information and display the authorization agreement on the bank client. After receiving the target user's consent authorization instruction, it can generate the provident fund authorization record of the target user based on the target user's identity information and provident fund authorization information. In this way, the financial service platform is used to implement the provident fund online authorization service, instead of offline authorization, which improves the convenience and efficiency of authorization. BRIEF DESCRIPTION OF THE DRAWINGS

[0035] 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.

[0036] Figure 1A schematic diagram of an application scenario provided for this application;

[0037] Figure 2 Schematic diagram of the online authorization method for provident fund provided for this application Figure 1 ;

[0038] Figure 3 A schematic diagram of a front-end interface provided in an embodiment of the present application;

[0039] Figure 4 Schematic diagram of the online authorization method for provident fund provided for this application Figure 2 ;

[0040] Figure 5 A schematic diagram of another front-end interface provided in an embodiment of the present application;

[0041] Figure 6 A schematic diagram of another front-end interface provided in an embodiment of the present application;

[0042] Figure 7 A schematic diagram of the structure of the online authorization device of the provident fund provided for this application;

[0043] Figure 8 A schematic diagram of the structure of the electronic device provided in this application.

[0044] 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

[0045] 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.

[0046] Before users handle provident fund business at the provident fund center, they need to produce a paper authorization agreement from the bank. Under this method, users need to go to the bank to handle the authorization agreement first, which makes the authorization inconvenient and inefficient.

[0047] In view of this, this application provides an online authorization method for provident fund. Before handling provident fund business, users can handle authorization online on mobile banking without having to go to the bank to handle paper authorization agreement, which improves the convenience and efficiency of authorization.

[0048] Figure 1 A schematic diagram of an application scenario provided for this application, such as Figure 1 As shown, the specific application scenarios of the present application include mobile terminals and banking systems, wherein the banking system may include a front-end platform, an external application platform, a financial service platform, and a data center.

[0049] The mobile terminal is located at the user side and refers to an electronic device with a bank client installed, such as a mobile phone, a tablet, a smart wearable device, etc. The application does not limit the type of the mobile terminal. The mobile terminal can receive a user's login instruction.

[0050] The front-end platform is the key link for the interaction between the banking system and the client, responsible for processing user requests, returning results and maintaining session status. The front-end platform can be a server or a server cluster. For example, the front-end platform can provide the following services:

[0051] (1) Application Programming Interface (API): provides a data exchange interface for applications and supports interconnection between different applications.

[0052] (2) Security authentication: Ensure the security of data transmission through the SSL / TLS protocol to prevent data leakage and tampering.

[0053] (3) Load balancing: Through load balancing technology, user requests are distributed to multiple servers for processing, improving the system's response speed and stability.

[0054] It should be noted that this application does not limit the deployment method of the front-end platform. For example, it can be deployed at the bank head office.

[0055] The above-mentioned external application platform is used to forward branch services. The external application platform can be a server or a server cluster, which is not limited in this application. At the same time, the external application platform can be deployed in a branch or in the head office, and the application does not limit the deployment location. For example, the external application platform can provide the following services:

[0056] (1) Service forwarding: Receive requests from external systems or services and forward them to the financial service platform for processing.

[0057] (2) Format verification: Convert the protocol of the external system or service into a protocol format that the banking system can understand, and verify the format.

[0058] (3) Branch-specific services: Support branches to provide financial services with local characteristics, such as local financial products, provident fund online authorization services, etc.

[0059] The financial service platform is used to process the service. The financial service platform can be a server or a server cluster, which is not limited in this application. At the same time, the financial service platform can be deployed in a branch. For example, the financial service platform can provide the following services:

[0060] (1) Service processing: Processing financial service requests from external application platforms, such as account inquiries, transfer processing, financial product purchases, and provident fund online authorization.

[0061] (2) Business logic implementation: Implement the business logic of the banking system, such as account verification for transfers and generation of provident fund authorization records.

[0062] (3) Data verification: Verify the data requested by the user to ensure the legitimacy and accuracy of the data.

[0063] (4) Risk control: Ensure the security of financial services through risk assessment, anti-fraud and other means.

[0064] The above-mentioned data center is the core component of the banking system and is responsible for data storage, processing and analysis.

[0065] In this application scenario, a bank branch can deploy its special services in the above-mentioned financial service platform, such as the provident fund online authorization service provided in this application. The server request triggered by the user based on the client can be forwarded to the financial service platform for processing based on the front-end platform and the external application platform, and the response (processing result) can be returned to the client through the front-end platform and the external application platform for display.

[0066] The executor of this application may be the aforementioned financial service platform.

[0067] 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 one or more embodiments of this specification 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 laws, regulations and standards, and corresponding operation entrances shall be provided for users to choose to authorize or refuse.

[0068] 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.

[0069] Figure 2Schematic diagram of the online authorization method for provident fund provided for this application Figure 1 ,like Figure 2 As shown, the method includes:

[0070] S201. In response to a login instruction triggered by a target user through a front-end interface of a bank client, identity information of the target user is obtained.

[0071] Exemplarily, the target user refers to a user who logs into a bank client to process provident fund online authorization. The login instruction refers to an instruction to log into a bank client. The identity information is information that can represent the identity of the user, and the identity information may include, for example, an ID card number, or may include information such as a name and a mobile phone number.

[0072] In one example, after the target user runs a bank client based on a mobile terminal, he can use login information (for example, user name, password, fingerprint recognition or facial recognition, etc.) to log in to the bank client. After the bank client receives the login information entered by the user, it will send a request containing the login information to the front-end platform to request the generation of an access token. After the front-end platform receives the request from the bank client, it will further verify the user's login information, such as comparing it with the records in the database. After the verification is passed, the front-end platform will generate a unique access token, which can represent the user's identity. The front-end platform can send the generated access token to the financial service platform based on the external application platform to authenticate the identity on the financial service platform.

[0073] After receiving the access token, the financial service platform can first determine whether the identity information of the target user is stored locally based on the access token. If so, the identity information of the target user can be directly extracted; if not, the identity information of the target user can be obtained from the data center based on the access token. It should be understood that the data center stores the corresponding relationship between the access token and the identity information. When the target user visits the financial service platform for the first time, the financial service platform can obtain the identity information of the target user from the data center and store the corresponding relationship between the access token and the identity information locally for subsequent access.

[0074] S202: Receive provident fund authorization information input by the target user through the front-end interface of the bank client.

[0075] Exemplarily, the above-mentioned provident fund authorization information represents the scope of authorization. Optionally, the provident fund authorization information may include provident fund authorization agency information, provident fund authorization type and authorization time. The above-mentioned provident fund authorization agency information represents the provident fund center agency, for example, it may be the name, number and other information of the provident fund center agency; the provident fund authorization type represents the provident fund business, for example, it may include the first type and the second type, the first type represents the provident fund withdrawal, and the second type represents the provident fund entrusted deduction; the authorization time represents the effective time of the authorization. It should be noted that this application does not limit the content of the provident fund authorization type, and may also include other provident fund businesses.

[0076] In one example, after the target user logs in, the bank client can provide a front-end display interface for displaying the menu of provident fund online authorization services, and then the mobile terminal can receive the operation instruction triggered by the target user on the menu. It should be noted that this application does not limit how to trigger the operation instruction, for example, it can be a click or a voice trigger. Figure 3 As shown, Figure 3 A schematic diagram of a front-end interface provided by an embodiment of the present application. After the target user triggers the menu of the provident fund online authorization service, the specific content of the provident fund online authorization service can be displayed on the bank client so that the user can enter the provident fund authorization information.

[0077] For example, the target user can manually input the provident fund authorization information such as the provident fund authorization agency information, the provident fund authorization type and the authorization time based on the front-end display interface, or provide the user with multiple drop-down option menus on the front-end interface, wherein the provident fund authorization agency information is preset in the first drop-down option menu for the user to select the provident fund authorization agency information; the provident fund authorization type is preset in the second drop-down option menu for the user to select the provident fund authorization type; the authorization time is preset in the third drop-down option menu for the user to select the authorization time, and this application does not limit this. The mobile terminal can send the provident fund authorization information input by the target user to the financial service platform through the front-end platform and the external application platform.

[0078] S203. According to the provident fund authorization information, the authorization agreement corresponding to the provident fund authorization information is obtained and displayed on the front-end interface of the bank client.

[0079] Exemplarily, the above authorization agreement represents the key information such as the content, scope, and term of the authorization granted by the user to the provident fund authorization agency, as well as the rights and obligations of both parties. It should be noted that this application does not limit the content of the authorization agreement. It should be understood that the content of the authorization agreement is related to the provident fund authorization agency and the provident fund authorization type. Therefore, it is necessary to determine the corresponding authorization agreement based on the provident fund authorization information.

[0080] In one example, the financial service platform has multiple authorization agreements pre-stored in its local database. After receiving the provident fund authorization information, the financial service platform can determine the authorization agreement corresponding to the provident fund authorization information from the local database based on the provident fund authorization information, and send the authorization agreement to the bank client for display based on the front-end platform and the external application platform. It should be noted that this application does not limit the display format of the authorization agreement. For example, it can be displayed as a text in the form of a pop-up window, or in the form of a file (such as PDF format). For example, refer to Figure 3 As shown, an authorization agreement control can be set on the front-end interface, and the authorization agreement control is used to store the authorization agreement. When the user clicks the authorization agreement control, the authorization agreement can be displayed on the bank client. It should be noted that the application does not limit the location of the authorization agreement space.

[0081] S204: In response to the consent authorization instruction triggered by the target user, generate a provident fund authorization record of the target user according to the identity information and the provident fund authorization information.

[0082] Exemplarily, the above-mentioned provident fund authorization record is used to represent the authorization information of the target user and can be used for the handling of subsequent provident fund business.

[0083] In an example, refer to Figure 3 As shown, a consent authorization control can be set on the front-end interface of the bank client. After reading the authorization agreement, the user can trigger the consent authorization control. The mobile terminal can receive the triggering operation of the consent authorization control by the target user based on the bank client, generate a consent authorization instruction, and send it to the financial service platform through the front-end platform and the external application platform. The financial service platform can generate a corresponding relationship between the identity information and the provident fund authorization information based on the identity information of the target user and the provident fund authorization information as the provident fund authorization record of the target user, and store it in the database.

[0084] In some possible implementations, after the target user triggers the consent authorization control based on the front-end interface of the bank client, the bank client can verify the identity information of the target user again, for example, by performing fingerprint recognition or face recognition operations to ensure the reliability of the authorization.

[0085] Optionally, after generating the provident fund authorization record of the target user, the financial service platform may return a prompt message of successful authorization to the bank client, or may output a prompt message of successful authorization to the target user in the form of text messages, official accounts, etc. This application does not limit this.

[0086] Optionally, when handling provident fund business, the system of the provident fund center agency can call a preset interface to query whether the identity information has a provident fund authorization record based on the user's identity information. After determining that there is an authorization record, the provident fund data corresponding to the identity information can be obtained to handle provident fund business.

[0087] In the online authorization method for provident fund provided in the embodiment of the present application, after the financial service platform obtains the identity information of the target user and the provident fund authorization information of the target user based on the bank client, the authorization agreement can be determined according to the provident fund authorization information, and the authorization agreement can be displayed on the bank client. After receiving the authorization instruction of the target user, the provident fund authorization record of the target user can be generated according to the identity information of the target user and the provident fund authorization information. In this way, the financial service platform is used to realize the online authorization service of provident fund, instead of handling authorization offline, which improves the convenience and efficiency of authorization.

[0088] Figure 4 Schematic diagram of the online authorization method for provident fund provided for this application Figure 2 ,like Figure 4 As shown, in this embodiment Figure 2 Based on the embodiment, the online authorization method of the provident fund is described in detail, and the method includes:

[0089] S301. In response to a login instruction triggered by a target user through a front-end interface of a bank client, identity information of the target user is obtained.

[0090] It should be noted that this step is similar to the aforementioned step S201 and will not be repeated here.

[0091] S302: Receive provident fund authorization information input by the target user through the front-end interface of the bank client.

[0092] For example, reference Figure 3 As shown, the target user can input the provident fund authorization agency information and the provident fund authorization type on the front-end interface. The authorization time can display the preset value after the provident fund authorization type is determined. For example, if the provident fund authorization type is the first type, it means that it is a provident fund withdrawal business, and the authorization time can be defaulted to 30 minutes; if the provident fund authorization type is the second type, it means that it is a provident fund entrusted deduction business, and the authorization time can be set to the loan term of the loan contract, such as 30 years. The authorization time can also be customized by the target user or selected, which is not limited in this application. The mobile terminal obtains the provident fund authorization information entered by the target user and sends it to the financial service platform. Accordingly, the financial service platform can receive the provident fund authorization information entered by the target user.

[0093] S303. Determine the candidate authorization protocol corresponding to the provident fund authorization agency information according to the provident fund authorization agency information.

[0094] Exemplarily, the candidate authorization agreement represents the authorization agreement corresponding to the provident fund authorization agency information. The financial service platform may be provided with an authorization agreement library, including authorization agreements corresponding to multiple provident fund authorization agencies. The financial service platform may determine the candidate authorization agreement corresponding to the provident fund authorization agency information from the authorization agreement library based on the provident fund authorization agency information. Exemplarily, Table 1 is a schematic diagram of an authorization agreement library provided by this application.

[0095] Table 1 Authorization protocol library

[0096]

[0097] S304. Determine the authorization protocol corresponding to the provident fund authorization information from the candidate authorization protocols according to the provident fund authorization type.

[0098] Exemplarily, the candidate authorization agreements corresponding to the provident fund authorization agency information may include authorization agreements of various authorization types. Therefore, the authorization agreement corresponding to the provident fund authorization information can be screened from the candidate authorization agreements according to the provident fund authorization type.

[0099] In some possible implementations, according to the provident fund authorization type, an initial authorization agreement corresponding to the provident fund authorization type is determined from candidate authorization agreements; if the initial authorization agreement is determined to be valid, the initial authorization agreement is determined to be the authorization agreement corresponding to the provident fund authorization information. Referring to Table 1, the authorization agreement may have status information, and the status information may indicate whether the authorization agreement is valid. Therefore, after determining the initial authorization agreement corresponding to the provident fund authorization type, the financial service platform may determine whether the initial authorization agreement is valid according to the status information of the initial authorization agreement. If it is determined to be valid, the initial authorization agreement is used as the authorization agreement corresponding to the provident fund authorization information.

[0100] S305: If it is determined that the provident fund authorization type in the received provident fund authorization information is the second type, then, based on the identity information of the target user, at least one loan identifier of the target user is obtained and displayed on the front-end interface of the bank client.

[0101] For example, when the housing fund authorization type is the second type, it indicates that it is a housing fund entrusted deduction, that is, a form of using the housing fund of the target user to repay a loan. It is necessary to determine which loan is used to repay, so it is necessary to determine the loan identifier. The loan identifier is used to uniquely represent the loan contract, which can be a loan contract number, etc., and this application does not limit it here.

[0102] In one example, after receiving the provident fund authorization information, if the financial service platform determines that the provident fund authorization type is the second type, it obtains the loan information corresponding to the identity information from the data center based on the identity information of the target user. The loan information may include loan identification, loan term, loan amount and other information, and returns the loan identification to the bank client for display.

[0103] Optionally, the financial services platform may also display the loan term as the authorization time on the bank client.

[0104] S306: Receive the target loan identifier selected by the target user.

[0105] For example, Figure 5 A schematic diagram of another front-end interface provided in an embodiment of the present application. A drop-down menu of loan identifiers may be displayed on the front-end interface of the bank client, and the drop-down menu includes multiple loan identifiers of the target user. The target user may select one of the loan identifiers as the target loan identifier, and the mobile terminal receives the selected target loan identifier and sends it to the financial service platform.

[0106] S307: In response to the consent authorization instruction triggered by the target user, a provident fund authorization record of the target user is generated according to the identity information, the provident fund authorization information and the target loan identifier.

[0107] In an example, refer to Figure 3 As shown, a consent authorization control can be set on the front-end interface of the bank client. After reading the authorization agreement, the user can trigger the consent authorization control. The mobile terminal can receive the triggering operation of the consent authorization control by the target user based on the bank client, generate a consent authorization instruction, and send it to the financial service platform through the front-end platform and the external application platform. The financial service platform can generate a correspondence between the identity information, the provident fund authorization information and the target loan identification based on the identity information of the target user, the provident fund authorization information and the target loan identification, as the provident fund authorization record of the target user, and store it in the database. For example, Table 2 is a schematic diagram of a provident fund authorization record provided in an embodiment of the present application.

[0108] Table 2 Provident Fund Authorization Record

[0109]

[0110] In this way, in the subsequent provident fund business processing process, the provident fund center agency can query whether there is an authorization record of the second type (provident fund entrusted deduction) of the loan identification based on the loan identification, which facilitates business processing.

[0111] The online authorization method for provident fund provided in the embodiment of the present application is that after the financial service platform obtains the identity information of the target user based on the bank client, and the provident fund authorization information of the target user, the authorization agreement can be determined according to the provident fund authorization information, and the authorization agreement can be displayed on the bank client. At the same time, when the provident fund authorization type is determined to be the provident fund entrusted deduction, the loan identification can be obtained and displayed, and the target loan identification selected by the target user can be determined. After receiving the target user's consent authorization instruction, the provident fund authorization record of the target user can be generated according to the target user's identity information, provident fund authorization information and target loan identification. In this way, the financial service platform is used to realize the provident fund online authorization service, instead of offline authorization, which improves the convenience and efficiency of authorization.

[0112] In some embodiments, Figure 6 A schematic diagram of another front-end interface provided in an embodiment of the present application. Figure 6 As shown, in response to the query instruction triggered by the target user through the front-end interface of the bank client, according to the identity information of the target user, the provident fund authorization record of the target user is obtained and displayed on the front-end interface of the bank client. For example, after the target user logs in, the bank client can provide a front-end display interface for displaying the menu of the provident fund online authorization service and the authorization record query menu, and then the mobile terminal can receive the query instruction triggered by the target user for the authorization record query menu, and send it to the financial service platform. Correspondingly, the financial service platform can receive the query instruction triggered by the target user. It should be noted that this application does not limit how to trigger the query instruction, for example, it can be a click or a voice trigger. The financial service platform can search for all provident fund authorization records corresponding to the identity information in the local database according to the identity information, and display them on the front-end interface of the bank client. In this way, the provident fund authorization record of the target user can be easily queried.

[0113] Figure 7 The schematic diagram of the structure of the online authorization device of the provident fund provided for this application is as follows: Figure 7 As shown, the provident fund online authorization device 400 provided in this embodiment includes:

[0114] The first acquisition module 401 is used to acquire the identity information of the target user in response to a login instruction triggered by the target user through the front-end interface of the bank client;

[0115] The receiving module 402 is used to receive the provident fund authorization information input by the target user through the front-end interface of the bank client; wherein the provident fund authorization information represents the authorization scope;

[0116] The second acquisition module 403 is used to acquire, according to the provident fund authorization information, the authorization agreement corresponding to the provident fund authorization information and display it on the front-end interface of the bank client;

[0117] The generating module 404 is used to generate a provident fund authorization record of the target user according to the identity information and the provident fund authorization information in response to the consent authorization instruction triggered by the target user.

[0118] In a possible implementation, the provident fund authorization information includes provident fund authorization agency information, provident fund authorization type and authorization time; wherein, the provident fund authorization type includes a first type and a second type, the first type represents provident fund withdrawal, and the second type represents provident fund entrusted deduction.

[0119] In a possible implementation manner, the second acquisition module 403 is specifically configured to:

[0120] Determine, according to the provident fund authorization agency information, a candidate authorization agreement corresponding to the provident fund authorization agency information;

[0121] According to the provident fund authorization type, the authorization protocol corresponding to the provident fund authorization information is determined from the candidate authorization protocols.

[0122] In a possible implementation manner, the second acquisition module 403 is specifically configured to:

[0123] According to the provident fund authorization type, determining an initial authorization protocol corresponding to the provident fund authorization type from the candidate authorization protocols;

[0124] If it is determined that the initial authorization agreement is valid, then the initial authorization agreement is determined to be the authorization agreement corresponding to the provident fund authorization information.

[0125] In a possible implementation, after the receiving module 402 receives the provident fund authorization information input by the target user through the front-end interface of the bank client, the device further includes a determining module for:

[0126] If it is determined that the provident fund authorization type in the received provident fund authorization information is the second type, then according to the identity information of the target user, at least one loan identifier of the target user is obtained and displayed on the front-end interface of the bank client; and the target loan identifier selected by the target user is received.

[0127] In a possible implementation, the generating module 404 is specifically configured to:

[0128] A provident fund authorization record of the target user is generated according to the identity information, the provident fund authorization information and the target loan identifier.

[0129] In a possible implementation, the device further includes a query module, configured to:

[0130] In response to a query instruction triggered by the target user through the front-end interface of the bank client, the provident fund authorization record of the target user is acquired and displayed on the front-end interface of the bank client according to the identity information of the target user.

[0131] The online authorization device for provident fund provided in this embodiment can execute the method provided in the above method embodiment, and its implementation principle and technical effect are similar, so this embodiment will not be described in detail here.

[0132] Figure 8 This is a schematic diagram of the structure of the electronic device provided in this application. Figure 8 As shown, the electronic device 500 provided in this embodiment includes: at least one processor 501 and a memory 502. Optionally, the device 50 further includes a communication component 503. The processor 501, the memory 502 and the communication component 503 are connected via a bus 504.

[0133] In a specific implementation process, at least one processor 501 executes the computer-executable instructions stored in the memory 502, so that at least one processor 501 executes the above method.

[0134] The specific implementation process of the processor 501 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.

[0135] 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.

[0136] 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.

[0137] 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.

[0138] The present application also provides a computer program product, including a computer program, which implements the above method when executed by a processor.

[0139] 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.

[0140] 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.

[0141] 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.

[0142] 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.

[0143] 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.

[0144] 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.

[0145] 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.

[0146] 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.

[0147] 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 online authorization of provident fund, characterized in that: The method comprises: In response to a login instruction triggered by a target user through a front-end interface of a bank client, obtaining identity information of the target user; Receiving provident fund authorization information input by the target user through the front-end interface of the bank client; wherein the provident fund authorization information represents the authorization scope; According to the provident fund authorization information, obtaining and displaying the authorization agreement corresponding to the provident fund authorization information on the front-end interface of the bank client; In response to the consent authorization instruction triggered by the target user, a provident fund authorization record of the target user is generated according to the identity information and the provident fund authorization information.

2. The method according to claim 1, characterized in that The provident fund authorization information includes provident fund authorization agency information, provident fund authorization type and authorization time; wherein, the provident fund authorization type includes a first type and a second type, the first type represents provident fund withdrawal, and the second type represents provident fund entrusted deduction.

3. The method according to claim 2, characterized in that According to the provident fund authorization information, obtaining the authorization agreement corresponding to the provident fund authorization information includes: Determine, according to the provident fund authorization agency information, a candidate authorization agreement corresponding to the provident fund authorization agency information; According to the provident fund authorization type, the authorization protocol corresponding to the provident fund authorization information is determined from the candidate authorization protocols.

4. The method according to claim 3, characterized in that: According to the provident fund authorization type, determining the authorization protocol corresponding to the provident fund authorization information from the candidate authorization protocols includes: According to the provident fund authorization type, determining an initial authorization protocol corresponding to the provident fund authorization type from the candidate authorization protocols; If it is determined that the initial authorization agreement is valid, then the initial authorization agreement is determined to be the authorization agreement corresponding to the provident fund authorization information.

5. The method according to claim 2, characterized in that: After receiving the provident fund authorization information input by the target user through the front-end interface of the bank client, the method includes: If it is determined that the provident fund authorization type in the received provident fund authorization information is the second type, acquiring and displaying at least one loan identifier of the target user on the front-end interface of the bank client according to the identity information of the target user; The target loan identifier selected by the target user is received.

6. The method according to claim 5, characterized in that Generate a provident fund authorization record of the target user according to the identity information and the provident fund authorization information, including: A provident fund authorization record of the target user is generated according to the identity information, the provident fund authorization information and the target loan identifier.

7. The method according to any one of claims 1 to 6, characterized in that: The method further comprises: In response to a query instruction triggered by the target user through the front-end interface of the bank client, the provident fund authorization record of the target user is acquired and displayed on the front-end interface of the bank client according to the identity information of the target user.

8. An online authorization device, characterized in that: include: A first acquisition module, configured to acquire the identity information of the target user in response to a login instruction triggered by the target user through the front-end interface of the bank client; A receiving module, used to receive the provident fund authorization information input by the target user through the front-end interface of the bank client; wherein the provident fund authorization information represents the authorization scope; A second acquisition module is used to acquire, according to the provident fund authorization information, and display the authorization agreement corresponding to the provident fund authorization information on the front-end interface of the bank client; A generating module is used to generate a provident fund authorization record of the target user according to the identity information and the provident fund authorization information in response to the consent authorization instruction triggered by the target user.

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 7.

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 7 when executed by a processor.

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