Credit business approval method, device, equipment and storage medium based on RPA technology

Abstract

This application discloses a credit business approval method, device, equipment and storage medium based on RPA technology, which relates to the field of office automation. In response to receiving a business application, the service platform required for approving the credit business is called to obtain credit data information; the small program of the instant messaging software is called to obtain the pending approval verification data initiated by the applicant, and the payment process of the instant payment software is initiated based on the approval verification data to determine the applicant's credit standard information; based on the pending approval verification data and the credit standard information, an approval record table is generated, and the approval record table is verified and identified to determine the applicant's application qualifications and upload to the approval system. This solution uses RPA technology to realize the automated scheduling of internal and external processes on PC and mobile terminals, which can effectively reduce the cost of information verification, while relieving the workload of the approval post and improving the approval efficiency.

Description

Technical Field

[0001] The embodiments of the present application relate to the field of office automation, and in particular to a credit business approval method, apparatus, device, and storage medium based on RPA technology. Background Art

[0002] With the online and digital transformation of credit cards and related credit businesses, the proportion of online applications is increasing, and the time requirements for applications and approvals are becoming increasingly higher. While banks are improving the efficiency of credit from application to approval and issuance, they must also ensure that risk control requirements are not reduced. This has brought huge challenges to bank credit card and related credit practitioners.

[0003] The credit card and loan approval process often requires manual review, including steps with clear rules. For example, the specific application information required by credit card applicants requires significant manual verification by reviewers. Reviewers must download the applicant's pre-filled contact information and contact details from various credit card application platforms on PC, manually verify the information using their mobile devices, and then take screenshots of the results for archiving and upload to the review system as a basis for review.

[0004] Due to the different progress of bank information system construction, if the internal and external systems of the bank are not connected, there will be purely manual processing links in the business process, which is inefficient, and the customer's business application information will need to be manually downloaded to the external network for verification, which will pose information security risks. Summary of the Invention

[0005] The embodiments of the present application provide a credit business approval method, apparatus, device, and storage medium based on RPA technology to solve the problems of low manual processing efficiency and information security risks in the credit business approval process.

[0006] In one aspect, the present application provides a credit business approval method based on RPA technology, the method comprising:

[0007] In response to receiving a business application, calling the service platform required for approving the credit business and obtaining credit data information;

[0008] Invoke the mini-program of the instant messaging software to obtain the pending verification data initiated by the applicant, initiate the payment process of the instant payment software based on the approval verification data, and determine the credit standard information of the applicant;

[0009] An approval record table is generated based on the verification data to be approved and the credit standard information, and the approval record table is verified and identified to determine the applicant's application qualifications and upload the application to the approval system.

[0010] Specifically, the calling of the service platform required for approving the credit business to obtain credit data information includes:

[0011] Based on the applicant's information, the credit approval system and large-amount installment system are accessed to obtain the applicant's credit and large-amount installment data information.

[0012] Specifically, the applicant sends a business application and pending verification data through the instant messaging software mini-program; the pending verification data includes applicant information, applicant contact information, relative information and contact information, and identity identification information;

[0013] After obtaining credit data information, deploy an RPA robot on the mobile terminal to automatically call the mini-program of the instant messaging software to obtain the pending verification data initiated by the applicant;

[0014] After obtaining the pending verification data initiated by the applicant, the queried data is renamed according to the type and saved as the first image file, and stored locally.

[0015] Specifically, the initiating the payment process of the instant payment software according to the approval verification data includes:

[0016] Deploy an RPA robot on the PC side, automatically log in to the instant payment software, and initiate the transfer process based on the pending verification data, which includes applicant information, family information, and contact information;

[0017] After the transfer page pops up on the web page, a screenshot of the displayed transfer page is saved as a second image file and stored locally; the transfer page displays the credit standard information of the applicant or relative information, which is used to verify the consistency of the approval verification data.

[0018] Specifically, after renaming the queried data according to their types and saving them as first image files, the method further includes:

[0019] After renaming the first saved image through the mobile terminal, identifying and obtaining the contact information, identity identification information, and contact information from the original webpage;

[0020] Based on the identity information and contact information verification, and matching with the applicant's credit report and large installment data information to determine credit eligibility;

[0021] When the credit qualifications are met, the payment process of the instant payment software is initiated using the PC terminal based on the identity information and contact information extracted from the first image file.

[0022] Specifically, after saving the displayed transfer page screenshot as a second image file, the method further includes:

[0023] Identify the element information in the second image file to determine whether it contains contact information, and match the contact information with the information in the verification data to be approved to determine the accuracy of the identity information.

[0024] Specifically, the verification and identification of the approval record table, determination of the applicant's application qualifications and uploading to the approval system include:

[0025] Verify the data content and time information of the approval record form to determine the applicant's application qualifications;

[0026] Add a watermark to the saved image file based on the timestamp and applicant information, and upload it to the approval system together with the approval record form;

[0027] Start the email copy service and send the uploaded approval business to the approver.

[0028] On the other hand, the present application provides a credit business approval device based on RPA technology, the device comprising:

[0029] An acquisition module is used to call the service platform required for approving the credit business in response to receiving the business application and obtain credit data information;

[0030] The first confirmation module is used to call the mini-program of the instant messaging software to obtain the pending verification data initiated by the applicant, and to initiate the payment process of the instant payment software based on the approval verification data to determine the credit standard information of the applicant;

[0031] The second confirmation module is used to generate an approval record table based on the verification data to be approved and the credit standard information, verify and identify the approval record table, determine the applicant's application qualifications and upload it to the approval system.

[0032] On the other hand, the present application provides a computer device, which includes a processor and a memory, wherein the memory stores at least one instruction, at least one program, a code set or an instruction set, and the at least one instruction, the at least one program, the code set or the instruction set is loaded and executed by the processor to implement the credit business approval method based on RPA technology described in the above aspects.

[0033] On the other hand, the present application provides a computer-readable storage medium, which stores at least one instruction, at least one program, code set or instruction set. The at least one instruction, the at least one program, the code set or instruction set is loaded and executed by a processor to implement the credit business approval method based on RPA technology described in the above aspects.

[0034] The beneficial effects brought about by the technical solution provided by the embodiment of the present application include at least the following: the business application initiated by the applicant is not directly linked to the internal data system, but is received through the instant messaging software applet, and the pending approval verification data therein is extracted to isolate the internal and external networks; during the verification stage, the saved pending approval verification data is used to initiate the payment process to quickly verify the authenticity information, avoiding interaction with internal data. After the verification is passed, the service platform required for approving the credit business is used to generate the approval record table, and finally upload it to the approval system for credit business issuance. The entire process uses RPA technology to realize the automated scheduling of internal and external processes on the PC and mobile terminals, which can effectively reduce the cost of information verification, while freeing up the workload of the approval post and improving the approval efficiency. BRIEF DESCRIPTION OF THE DRAWINGS

[0035] Figure 1 This is a flowchart of the credit business approval method based on RPA technology provided in an embodiment of the present application;

[0036] Figure 2 This is a flowchart for credit business approval;

[0037] Figure 3 A schematic diagram showing a second image file obtained by initiating a transfer via a contact phone number;

[0038] Figure 4 The following is a structural diagram of a credit business approval device based on RPA technology;

[0039] Figure 5 A structural block diagram of a computer device provided by an exemplary embodiment of the present application is shown. DETAILED DESCRIPTION

[0040] In order to make the objectives, technical solutions and advantages of this application clearer, the implementation methods of this application will be further described in detail below with reference to the accompanying drawings.

[0041] In this document, "plurality" refers to two or more. "And / or" describes a relationship between associated objects, indicating that three possible relationships exist. For example, "A and / or B" can mean: A exists alone, A and B exist simultaneously, or B exists alone. The character " / " generally indicates an "or" relationship between the associated objects.

[0042] Figure 1 This is a flowchart of the credit business approval method based on RPA technology provided in an embodiment of the present application, including the following steps:

[0043] S1. In response to receiving a business application, calling the service platform required for approving the credit business and obtaining credit data information;

[0044] The business application referred to in this application refers to an applicant's application for credit from a bank, specifically a credit card application or a small or large loan application. The service platform required for credit approval refers to the database system used by the bank to verify and review the applicant's assets, creditworthiness, and internal bank data. This system controls the pre-access of credit data from the database to prepare for subsequent processing.

[0045] S2. Invoke the mini-program of the instant messaging software to obtain the pending verification data initiated by the applicant, initiate the payment process of the instant payment software based on the approval verification data, and determine the credit standard information of the applicant;

[0046] This step utilizes the mobile devices and PCs used by the bank's account manager or operator. The applicant uses an electronic device to initiate a credit request to the bank. The account manager's mobile device will receive the request through the corresponding instant messaging software. It is important to emphasize that this step does not involve the user directly accessing the bank's internal system. Instead, it involves a dedicated receiving system used internally by the bank. This system can be replaced with everyday communication software, such as WeChat, which creates a credit application mini-program. This mini-program is only linked to the business operating system and is not critical to the bank's internal database. This completely isolates the intranet from the extranet to ensure data security.

[0047] Once the mini program is enabled and the link is called, the relevant data to be verified and approved by the applicant can be retrieved from the mini program link, such as the applicant's name, phone number, ID number, bank account number, names of relatives, and contact information. This information is essential for the processes and data of the credit business. For offline business, the salesperson and the applicant must use electronic devices to enter and verify each item face to face.

[0048] In the improved technical solution, RPA automates the process, automatically extracting and saving the pending approval verification data from the link and performing relevant verification. After verification, the instant payment software payment process is initiated based on the approval verification data to determine the applicant's credit criteria. The reason for initiating the payment process is to ensure that the pending approval verification data is verified. If the process were performed manually offline, it would necessarily require recording and then verification. This involves logging into the bank's internal system to verify contact information, bank card information, personal credit history, and asset and loan details. In particular, if the provided information is incorrect or conceals credit information, this step can be used to verify whether the applicant's credit criteria meet or do not meet them. Verifying the transfer operation is the simplest, fastest, and most effective solution. This step is automated through RPA, eliminating the need for manual input and verification. The transfer recording process triggers the instant payment software's information verification mechanism, displaying relevant personal information, such as phone number or bank card account information, on the transfer interface, effectively verifying the personal information.

[0049] S3. Generate an approval record form based on the verification data to be approved and the credit standard information, verify and identify the approval record form, determine the applicant's application qualifications and upload it to the approval system.

[0050] If the data for approval is successfully verified and meets the requirements in the current step, a template can be created based on the credit data extracted from the credit approval process. This template can then be combined with the credit data to generate an approval record. Once the approval record is complete, it can be uploaded to the bank's internal approval and issuance process, completing the application.

[0051] In summary, applicant-initiated business applications are not directly linked to internal data systems. Instead, they are received through an instant messaging app mini-program, extracting the pending verification data within, thus isolating the internal and external networks. During the verification phase, this stored pending verification data is used to initiate the payment process, quickly verifying the authenticity of the information and avoiding any interaction with internal data. Once verified, the approval record form is generated using the service platform required for credit approval and uploaded to the approval system for loan disbursement. This entire process utilizes RPA technology to automate internal and external process scheduling across PC and mobile devices, effectively reducing information verification costs while reducing the workload of approval staff and improving approval efficiency.

[0052] In order to explain the specific operation content, this application takes the application of credit card business as an example. Figure 2 This is a flowchart for credit business approval, which requires the coordinated scheduling of mobile and PC terminals.

[0053] When performing the operation, you need to use an internal PC connected to the bank's data system. This part is the data bank's intranet. The machine will run the Jinyong platform (system), credit approval system, and large-amount installment system. After determining the applicant's information based on the request content, the relevant credit information, existing large or small loans and related bank account verification data and other information are retrieved based on the applicant's information. This premise requires the applicant's name and identity identification information, that is, the ID number. The search target is the name and ID number. By querying these systems, setting certain search dates and filtering conditions, and converting according to needs and formats, you can generate tabular content based on the record template. This process is specifically designed to convert dates, space processing, special character processing and expansion, etc., and the record table is generated according to the template content set by different banks.

[0054] After obtaining credit data information, an RPA robot is deployed on the mobile terminal to automatically call the mini-program of the instant messaging software to obtain the pending verification data initiated by the applicant.

[0055] After obtaining the pending verification data initiated by the applicant, the queried data is renamed according to the type and saved as the first image file, and stored locally.

[0056] The RPA automated operation mechanism in this solution can be executed through the system's unified scheduling, eliminating the need for manual search. After obtaining credit data information, the RPA robot deployed on the mobile terminal automatically calls the instant messaging software mini-program to obtain the pending verification data initiated by the applicant.

[0057] After obtaining the pending verification data initiated by the applicant, the queried data is renamed according to the type and saved as the first image file, and stored locally.

[0058] Assuming the instant messaging app is WeChat, you can automatically log in to the WeChat app on your mobile device using the preset login information. Then, you can access the friend search and search page, and add a query based on the credit card applicant's phone number and contact information. The resulting data is captured, renamed, and saved locally based on the type of data. This allows you to later verify the authenticity of the credit card applicant's application information.

[0059] After renaming the retrieved data according to their types and saving them as first image files, the method further includes:

[0060] Rename the saved first image file through the mobile terminal, and at the same time identify the contact information, identity identification information and contact information in the corresponding web page element;

[0061] Verify the identity information and contact information based on the applicant's credit history and large installment data to determine credit eligibility;

[0062] When the credit qualifications are met, the payment process of the instant payment software is initiated using the PC terminal based on the identity information and contact information extracted from the first image file.

[0063] The above steps are performed with the help of RPA web page elements, so the RAP mechanism can directly extract data content from it and verify identity information and contact information. Specifically, it can verify the integrity of mobile phone numbers, ID numbers, and bank card numbers and names. It also includes basic verification of information such as family relationships, age, and place of origin. This information is mainly verified in accordance with regulations to avoid subsequent futile operations.

[0064] Similarly, the payment process of the instant payment software is initiated based on the approval verification data, including the following steps:

[0065] Deploy an RPA robot on the PC side, automatically log in to the instant payment software, and initiate the transfer process based on the pending verification data, which includes applicant information, family information, and contact information;

[0066] After the transfer page pops up on the web page, a screenshot of the displayed transfer page is saved as a second image file and stored locally; the transfer page displays the credit standard information of the applicant or relative information, which is used to verify the consistency of the approval verification data.

[0067] Taking the Alipay transfer scenario as an example, by programming components, we can control the robot to query the Alipay website. First, we need to automatically log in to the account manager's Alipay website using the preset login information, enter the transfer page, and make a small transfer based on the applicant and contact phone number or bank card number entered by the credit card application. After the transfer page pops up on the website, we can take a screenshot and save it.

[0068] Figure 3 This diagram shows a second image file generated by initiating a transfer using a contact's phone number. The transfer interface displays partial contact and phone information, which can be used for consistency matching. If the name displayed on the phone number doesn't match, it indicates an error in the provided information. This step doesn't actually transfer money; it's only used for information verification. Furthermore, transfers can be made using the applicant's or a relative's bank card number, allowing for screenshots, storage, and verification based on the card number and associated name.

[0069] After obtaining the second image file, PC-side element recognition technology identifies the elements within the second image file, confirming that it contains contact information. This contact information is then matched with the information in the pending verification data to verify the accuracy of the identity information. Determining the applicant's credit standard information involves determining whether the credit card applicant's qualifications meet the credit standards. Specifically, the transfer verification between the applicant and the provided family contact person meets the consistency, authenticity, and security requirements.

[0070] Verify and identify the approval record form, determine the applicant's application qualifications and upload it to the approval system, including:

[0071] Verify the data content and time information of the approval record form to determine the applicant's application qualifications;

[0072] Add a watermark to the saved image file based on the timestamp and applicant information, and upload it to the approval system along with the approval record form;

[0073] Start the email copy service and send the uploaded approval business to the approver.

[0074] This process also includes verification of credit information and credit services. If the credit information is not compliant or the credit services do not meet the requirements, the verification will fail. Watermarking is primarily performed on images and approval records for system archiving and subsequent manual review.

[0075] In summary, this scenario deploys an RPA robot on a mobile device. After customer authorization, the RPA robot automatically logs into WeChat and other channels on the mobile device to query the customer's relevant public information. Business personnel use this information to create a basic profile of the customer and make a basic assessment of their risk preferences. This automated query capability improves processing time and customer experience for this product, while maintaining business risk, thereby enhancing its competitiveness. External user terminals are decoupled from internal bank data security, allowing RPA developers to focus solely on business logic development without having to worry about the security modules for data exchange between internal and external networks, resulting in a higher level of security.

[0076] Figure 4 The following is a structural block diagram of a credit business approval device based on RPA technology provided in an embodiment of the present application, which includes:

[0077] The acquisition module 410 is used to call the service platform required for approving the credit business in response to receiving the business application and obtain credit data information;

[0078] The first confirmation module 420 is used to call the mini-program of the instant messaging software to obtain the pending verification data initiated by the applicant, and to initiate the payment process of the instant payment software based on the approval verification data to determine the credit standard information of the applicant;

[0079] The second confirmation module 430 is used to generate an approval record table based on the verification data to be approved and the credit standard information, verify and identify the approval record table, determine the applicant's application qualifications, and upload it to the approval system.

[0080] The credit business approval device based on RPA technology provided in the embodiment of this application can be applied to the credit business approval method based on RPA technology provided in the above embodiment. For relevant details, please refer to the above method embodiment. Its implementation principle and technical effects are similar and will not be repeated here.

[0081] It should be noted that the credit business approval device based on RPA technology provided in the embodiment of this application is only illustrated by the division of the above-mentioned functional modules / functional units. In actual applications, the above-mentioned functions can be assigned to different functional modules / functional units as needed, that is, the internal structure of the credit business approval device based on RPA technology is divided into different functional modules / functional units to complete all or part of the functions described above. In addition, the implementation method of the credit business approval method based on RPA technology provided in the above method embodiment and the implementation method of the credit business approval device based on RPA technology provided in this embodiment belong to the same concept. The specific implementation process of the credit business approval device based on RPA technology provided in this embodiment is detailed in the above method embodiment and will not be repeated here.

[0082] Figure 5 The block diagram of the computer device provided by an exemplary embodiment of the present application is shown. It is a computer device such as a desktop computer, a laptop computer, a PDA and a cloud server. The computer device may include, but is not limited to, a processor and a memory. The processor and the memory may be connected via a bus or other means. The processor may be a central processing unit (CPU). The processor may also be other general-purpose processors, digital signal processors (DSP), application-specific integrated circuits (ASIC), field-programmable gate arrays (FPGA) or other programmable logic devices, graphics processing units (GPU), embedded neural network processors (NPU) or other dedicated deep learning coprocessors, discrete gate or transistor logic devices, discrete hardware components and other chips, or a combination of the above-mentioned chips.

[0083] The processor may include one or more processing cores, such as a 4-core processor, an 8-core processor, etc. The processor may be implemented in at least one hardware form of DSP (Digital Signal Processing), FPGA (Field-Programmable Gate Array), or PLA (Programmable Logic Array). The processor may also include a main processor and a coprocessor. The main processor is a processor for processing data in the awake state, also known as a CPU (Central Processing Unit); the coprocessor is a low-power processor for processing data in the standby state. In some embodiments, the processor may be integrated with a GPU (Graphics Processing Unit), which is responsible for rendering and drawing the content to be displayed on the display screen. In some embodiments, the processor may also include an AI (Artificial Intelligence) processor, which is used to process computing operations related to machine learning.

[0084] As a non-transient computer-readable storage medium, the memory can be used to store non-transient software programs, non-transient computer executable programs and modules, such as program instructions / modules corresponding to the methods in the above-mentioned embodiments of the present application. The processor executes various functional applications and data processing of the processor by running the non-transient software programs, instructions and modules stored in the memory, that is, the method in the above-mentioned method embodiment is implemented. The memory may include a program storage area and a data storage area, wherein the program storage area may store an operating system, an application required for at least one function; the data storage area may store data created by the processor, etc. In addition, the memory may include a high-speed random access memory, and may also include a non-transient memory, such as at least one disk storage device, a flash memory device, or other non-transient solid-state storage device. In some embodiments, the memory may optionally include a memory remotely arranged relative to the processor, and these remote memories may be connected to the processor via a network. Examples of the above-mentioned network include, but are not limited to, the Internet, an intranet, a local area network, a mobile communication network and a combination thereof.

[0085] In some embodiments, the computer device may optionally include a peripheral device interface and at least one peripheral device. The processor, memory, and peripheral device interface may be connected via a bus or signal lines. Each peripheral device may be connected to the peripheral device interface via a bus, signal lines, or circuit boards. Specifically, the peripheral device includes at least one of a radio frequency circuit, a display screen, and a keyboard.

[0086] The peripheral device interface can be used to connect at least one I / O (Input / Output)-related peripheral device to the processor and memory. In some embodiments, the processor, memory, and peripheral device interface are integrated on the same chip or circuit board. In other embodiments, any one or two of the processor, memory, and peripheral device interface can be implemented on separate chips or circuit boards, which is not limited in this embodiment.

[0087] The display screen is used to display the UI (User Interface). The UI may include graphics, text, icons, videos, and any combination thereof. When the display screen is a touch screen, the display screen also has the ability to collect touch signals on the surface of the display screen or above the surface. The touch signal can be input into the processor as a control signal for processing. At this time, the display screen can also be used to provide virtual buttons and / or virtual keyboards, also known as soft buttons and / or soft keyboards. In some embodiments, there can be one display screen, which is set on the front panel of the computer device; in other embodiments, there can be at least two display screens, which are respectively set on different surfaces of the computer device or in a folding design; in other embodiments, the display screen can be a flexible display screen, which is set on the curved surface or folding surface of the computer device. Even the display screen can be set into a non-rectangular irregular shape, that is, a special-shaped screen. The display screen can be made of materials such as LCD (Liquid Crystal Display) and OLED (Organic Light-Emitting Diode).

[0088] A power supply is used to power various components in computer equipment. The power supply can be AC, DC, disposable batteries, or rechargeable batteries. When the power supply includes a rechargeable battery, it can be wired or wirelessly rechargeable. A wired rechargeable battery is charged via a wired line, while a wireless rechargeable battery is charged via a wireless coil. The rechargeable battery can also support fast charging technology.

[0089] Those skilled in the art will understand that the structure shown in this embodiment does not constitute a limitation on the computer device, and may include more or fewer components than shown in the figure, or combine certain components, or adopt a different component arrangement.

[0090] The embodiment of the present application also discloses a computer-readable storage medium. Specifically, the computer-readable storage medium is used to store a computer program, and when the computer program is executed by the processor, the method in the above-mentioned method implementation is implemented. Those skilled in the art will understand that all or part of the processes in the above-mentioned implementation method of the present application can be completed by instructing the relevant hardware through a computer program, and the program can be stored in a computer-readable storage medium, which, when executed, may include the processes of the implementation methods of the above-mentioned methods. Among them, the storage medium may be a magnetic disk, an optical disk, a read-only memory (ROM), a random access memory (RAM), a flash memory (Flash Memory), a hard disk (Hard Disk Drive, abbreviated as: HDD) or a solid-state drive (SSD), etc.; the storage medium may also include a combination of the above-mentioned types of memories.

[0091] This specific embodiment is merely an explanation of the present invention and is not intended to limit the present invention. After reading this specification, those skilled in the art may make non-creative modifications to this embodiment as needed. However, as long as such modifications are within the scope of the claims of the present invention, they are protected by patent law.

Claims

1. A credit business approval method based on RPA technology, characterized in that: The method comprises: In response to receiving a business application, the service platform required for credit approval is called to obtain credit data information; the service platform is the bank's intranet, which is a database system used by the bank system to query and review the applicant's assets, credit and internal bank data; After obtaining credit data, an RPA robot is deployed on the mobile terminal to automatically call the instant messaging software's mini-program, obtain the pending verification data initiated by the applicant, and initiate the payment process of the instant payment software based on the pending verification data to determine the applicant's credit standard information. The mobile terminal device is only connected to the business operating system and not the bank's intranet database. Specifically, the RPA robot is deployed on the PC terminal and automatically logs into the instant payment software to initiate the transfer process based on the applicant information, family information, and contact information contained in the pending verification data. After the transfer page pops up on the PC webpage, a screenshot of the displayed transfer page is saved as a second image file and stored locally; the transfer page displays the credit standard information of the applicant or relative information, which is used to verify the consistency of the data to be approved; An approval record table is generated based on the verification data to be approved and the credit standard information, and the approval record table is verified and identified to determine the applicant's application qualifications and upload the application to the approval system.

2. The method according to claim 1, characterized in that The calling of the service platform required for approving the credit business to obtain credit data information includes: Based on the applicant's information, the credit approval system and large-amount installment system are retrieved to obtain the applicant's credit and large-amount installment data information.

3. The method according to claim 2, characterized in that The applicant submits the business application and pending verification data through the instant messaging software mini-program; the pending verification data includes applicant information, applicant contact information, family information and contact information, and identity identification information; After obtaining the pending verification data initiated by the applicant, the queried data is renamed according to the type and saved as the first image file, and stored locally.

4. The method according to claim 3, characterized in that After renaming the queried data according to their types and saving them as first image files, the method further includes: Rename the saved first image file through the mobile terminal, and identify the contact information, identity identification information, and contact information on the mobile terminal page; Verify identity information and contact information, and match the applicant's credit history and large-amount installment data to determine credit eligibility; When the credit qualifications are met, the payment process of the instant payment software is initiated using the PC terminal based on the identity information and contact information extracted from the first image file.

5. The method according to claim 1, wherein After the displayed transfer page screenshot is saved as a second image file, the method further includes: After saving the second image file, obtain the contact information contained in the web page element, and match the contact information with the information in the verification data to be approved to determine the accuracy of the identity information.

6. The method according to claim 4 or 5, characterized in that The verification and identification of the approval record table, determination of the applicant's application qualifications and uploading to the approval system include: Verify the data content and time information of the approval record form to determine the applicant's application qualifications; Add a watermark to the saved image file based on the timestamp and applicant information, and upload it to the approval system together with the approval record form; Start the email copy service and send the uploaded approval business to the approver.

7. A credit business approval device based on RPA technology, characterized in that: The device comprises: An acquisition module is used to, in response to receiving a business application, call a service platform required for credit business approval to obtain credit data information; the service platform is the bank's intranet, which is a database system used by the bank system to query and review the applicant's assets, credit and internal bank data; The first confirmation module is used to deploy an RPA robot on the mobile terminal, after obtaining credit data information, to automatically call the instant messaging software mini-program, obtain the pending verification data initiated by the applicant, and initiate the payment process of the instant payment software based on the pending verification data to determine the applicant's credit standard information. The mobile terminal device is only connected to the business operating system and not to the bank's intranet database. Specifically, the RPA robot is deployed on the PC terminal and automatically logs into the instant payment software to initiate the transfer process based on the applicant information, family information, and contact information contained in the pending verification data. After the transfer page pops up on the web page, a screenshot of the displayed transfer page is saved as a second image file and stored locally; the transfer page displays the credit standard information of the applicant or relative information, which is used to verify the consistency of the data to be approved; The second confirmation module is used to generate an approval record table based on the verification data to be approved and the credit standard information, verify and identify the approval record table, determine the applicant's application qualifications and upload it to the approval system.

8. A computer device, characterized in that: The computer device includes a processor and a memory, wherein the memory stores at least one instruction, at least one program, a code set, or an instruction set, and the at least one instruction, the at least one program, the code set, or the instruction set is loaded and executed by the processor to implement the credit business approval method based on RPA technology as described in any one of claims 1 to 6.

9. A computer-readable storage medium, characterized in that The readable storage medium stores at least one instruction, at least one program, a code set or an instruction set, and the at least one instruction, the at least one program, the code set or the instruction set is loaded and executed by the processor to implement the credit business approval method based on RPA technology as described in any one of claims 1 to 6.

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