Online demortgage application auditing method and device, equipment and storage medium

Abstract

The invention belongs to the field of artificial intelligence and financial science and technology, and relates to an online demortgage application auditing method, which comprises the steps of receiving an online demortgage application proposed by a user, and identifying an application type of the online demortgage application; pushing a corresponding necessary data filling template to the user according to the application type; acquiring necessary information uploaded by the user according to the necessary data filling template, and sending a filing application to a private network of a preset department according to the necessary information; receiving an auditing result of the private network of the preset department on the filing application; and if the audit result passes, outputting a corresponding application result according to the application type of the online demortgage application. The invention further provides an online demortgage application auditing device and equipment and a storage medium. In addition, the invention also relates to a block chain technology, and demortgage information, user information and the like can be stored in a block chain. According to the invention, the auditing efficiency of the demortgage application can be improved.

Description

Technical Field

[0001] The present application relates to the fields of artificial intelligence and financial technology, and in particular to a method for reviewing online mortgage release applications. Background Art

[0002] In recent years, with the rapid development of the loan business, the release and mortgage links in the loan process play a vital role. These links involve the submission and review of a large amount of paper documents, which are important steps to ensure the legality and security of loan transactions.

[0003] However, the traditional paper-based document submission and review method has many shortcomings in terms of efficiency and convenience. For example, when applying for a mortgage loan, customers need to bring a large amount of paper documents to the loan processing outlets to apply. After applying at the loan processing outlets, they also need to send the documents to the corresponding relevant units for registration and filing. In this process, customers often need to travel back and forth between banks and relevant units many times, which not only consumes a lot of time and energy, but also increases business costs.

[0004] Therefore, there is an urgent need for a method that can improve the efficiency of mortgage application release. Summary of the invention

[0005] The purpose of the embodiments of the present application is to propose an online review method, device, equipment and storage medium for mortgage release applications, the main purpose of which is to improve the review efficiency of mortgage release applications.

[0006] In order to solve the above technical problems, the present application embodiment provides a method for reviewing an online mortgage release application, which adopts the following technical solution:

[0007] Receiving an online mortgage release application submitted by a user, and identifying an application type of the online mortgage release application;

[0008] Pushing a corresponding template for filling out necessary information to the user according to the application type;

[0009] Obtaining the necessary information uploaded by the user according to the necessary information filling template, and sending a filing application to the private network of a preset department according to the necessary information;

[0010] Receive the review result of the registration application from the private network of the preset department;

[0011] If the review result is passed, the corresponding application result is output according to the application type of the online mortgage release application.

[0012] Furthermore, the receiving of the online mortgage release application submitted by the client and identifying the application type of the online mortgage release application includes:

[0013] Receiving the online mortgage release application of the user, and identifying key fields of the online mortgage release application;

[0014] Pre-build a preset tag library, and use the key field to traverse each tag in the preset tag library to obtain a target tag that matches the key field;

[0015] The application type of the online mortgage release application is determined according to the target tag.

[0016] Furthermore, the pushing of a corresponding template for filling in necessary information to the user according to the application type includes:

[0017] When the application type is a mortgage application, a template for filling out necessary information corresponding to the mortgage application is pushed to the user;

[0018] When the application type is a mortgage release application, obtaining a unique identifier of the user, and querying the loan status of the user in a preset database according to the unique identifier;

[0019] When the loan status is settled, the necessary information filling template corresponding to the mortgage release application is pushed to the user.

[0020] Furthermore, after obtaining the necessary information uploaded by the user according to the necessary information filling template, the method further includes:

[0021] Classifying the necessary information according to the data type to obtain a signature type file and an image type file;

[0022] Performing a legality check on the signature information of the signature type file;

[0023] Perform clarity check on the image type file.

[0024] Furthermore, the legitimacy verification of the signature information of the signature type file includes:

[0025] Extracting signature information from the signature type file, and identifying the signature type of the signature information;

[0026] When the signature type is an electronic signature, extracting the public key of the electronic signature;

[0027] Calculating the hash value of the signature type file to obtain a data hash value, and decrypting the electronic signature using the public key to obtain a signature hash value;

[0028] When the data hash value is the same as the signature hash value, the signature information of the signature type file passes the legitimacy check.

[0029] Furthermore, the clarity check of the image type file includes:

[0030] Converting the image type file into a grayscale image;

[0031] Performing edge detection on the grayscale image using a preset edge detection algorithm to obtain edge information of the grayscale image;

[0032] Counting edge pixel points of the edge information to obtain the number of edge pixel points;

[0033] When the number of edge pixels is greater than a preset pixel number threshold, it is determined that the image type file passes the clarity check.

[0034] Furthermore, the receiving of the review result of the filing application by the private network of the preset department includes:

[0035] Convert the audit result according to a preset format to obtain a standard audit result;

[0036] Using a parser to traverse all nodes of the standard audit result and extract the audit key string;

[0037] The data type of the audit key character string is converted to obtain the audit key information.

[0038] In order to solve the above technical problems, the embodiment of the present application further provides an online mortgage release application review device, which adopts the following technical solution:

[0039] An identification module, used to receive an online mortgage release application submitted by a user and identify the application type of the online mortgage release application;

[0040] A push module, used to push the corresponding necessary information filling template to the user according to the application type;

[0041] A sending module, used to obtain the necessary information uploaded by the user according to the necessary information filling template, and send the filing application to the private network of the preset department according to the necessary information;

[0042] A receiving module receives the review result of the registration application by the private network of the preset department;

[0043] The output module is used to output the corresponding application result according to the application type of the online mortgage release application if the review result is passed.

[0044] In order to solve the above-mentioned technical problems, an embodiment of the present application also provides a computer device, which includes: at least one processor and a memory communicatively connected to the at least one processor; wherein the memory stores instructions executable by the at least one processor, and the instructions are executed by the at least one processor so that the at least one processor can execute the online mortgage release application review method as described above.

[0045] In order to solve the above technical problems, an embodiment of the present application further provides a computer-readable storage medium storing a computer program, which, when executed by a processor, implements the above-mentioned method for reviewing online mortgage release applications.

[0046] Compared with the prior art, the embodiments of the present application have the following beneficial effects:

[0047] By automatically identifying the application type of the online mortgage application, a corresponding template for necessary filling in data can be automatically generated according to the application type, thereby avoiding errors in manual identification and classification, and improving the efficiency and accuracy of mortgage application.

[0048] By pushing the necessary information filling template corresponding to the application type, it can avoid the situation where users miss filling in documents due to manual operation or the application fails due to incomplete user information, thus improving the efficiency of online mortgage application;

[0049] The templates of necessary information can ensure the integrity of the collected information, and automatically package and transmit the collected information to the preset department's private network, which improves the efficiency of application and reduces the consumption of paper documents;

[0050] By receiving the review results of the filing application from the preset department's dedicated network, the user is prevented from having to go back and forth multiple times, and paper documents are removed, which reduces resource consumption and improves the efficiency of the mortgage process;

[0051] If the review result is passed, the corresponding application result will be output according to the application type of the online mortgage release application, thereby realizing the comprehensive paperless mortgage release information; the application result can be obtained through online processing, thereby improving the efficiency of the mortgage release process; and, through online data docking, the phenomenon of forging mortgage release information is eliminated, thereby improving the security of the mortgage release process. BRIEF DESCRIPTION OF THE DRAWINGS

[0052] In order to more clearly illustrate the scheme in the present application, a brief introduction is given below to the drawings required for use in the description of the embodiments of the present application. Obviously, the drawings described below are some embodiments of the present application. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying any creative work.

[0053] Figure 1 is an exemplary system architecture diagram to which the present application may be applied;

[0054] Figure 2 A flow chart of an embodiment of a method for reviewing an online mortgage application according to the present application;

[0055] Figure 3 It is a structural schematic diagram of an embodiment of an online mortgage application review device according to the present application;

[0056] Figure 4 It is a structural schematic diagram of an embodiment of a device according to the present application. DETAILED DESCRIPTION

[0057] Unless otherwise defined, all technical and scientific terms used herein have the same meaning as those commonly understood by technicians in the technical field of the present application; the terms used in the specification of the application herein are only for the purpose of describing specific embodiments and are not intended to limit the present application; the terms "including" and "having" and any variations thereof in the specification and claims of the present application and the above-mentioned drawings are intended to cover non-exclusive inclusions. The terms "first", "second", etc. in the specification and claims of the present application or the above-mentioned drawings are used to distinguish different objects, not to describe a specific order.

[0058] Reference to "embodiments" herein means that a particular feature, structure, or characteristic described in conjunction with the embodiments may be included in at least one embodiment of the present application. The appearance of the phrase in various locations in the specification does not necessarily refer to the same embodiment, nor is it an independent or alternative embodiment that is mutually exclusive with other embodiments. It is explicitly and implicitly understood by those skilled in the art that the embodiments described herein may be combined with other embodiments.

[0059] In order to enable those skilled in the art to better understand the solution of the present application, the technical solution in the embodiments of the present application will be clearly and completely described below in conjunction with the accompanying drawings.

[0060] like Figure 1 As shown, the system architecture 100 may include a terminal device 101, a network 102 and a server 103. The terminal device 101 may be a laptop 1011, a tablet computer 1012 or a mobile phone 1013. The network 102 is used to provide a medium for a communication link between the terminal device 101 and the server 103. The network 102 may include various connection types, such as wired, wireless communication links or optical fiber cables.

[0061] The user can use the terminal device 101 to interact with the server 103 through the network 102 to receive or send messages, etc. Various communication client applications can be installed on the terminal device 101, such as web browser applications, shopping applications, search applications, instant messaging tools, email clients, social platform software, etc.

[0062] The terminal device 101 can be any electronic device with a display screen and supporting web browsing. In addition to a laptop computer 1011, a tablet computer 1012 or a mobile phone 1013, the terminal device 101 can also be an e-book reader, an MP3 player (Moving Picture Experts Group Audio Layer III), an MP4 (Moving Picture Experts Group Audio Layer IV), a laptop computer, a desktop computer, etc.

[0063] The server 103 may be a server that provides various services, such as a background server that provides support for a web page displayed on the terminal device 101 .

[0064] It should be noted that the online mortgage release application review method provided in the embodiment of the present application is generally executed by a server / terminal device, and accordingly, the online mortgage release application review device is generally set in the server / terminal device.

[0065] It should be understood that Figure 1 The number of terminal devices, networks and servers in the embodiment is only for illustration. Any number of terminal devices, networks and servers may be provided according to the implementation requirements.

[0066] Continue to refer Figure 2 , showing a flow chart of an embodiment of a method for reviewing online mortgage applications according to the present application.

[0067] In this embodiment, the customer sends an online mortgage release application to the mortgage release platform through a client, and the client includes but is not limited to a handheld terminal (such as a mobile phone, iPad, etc.) and a fixed terminal (such as a computer, etc.). The mortgage release platform refers to a pre-built platform that establishes a connection with a preset department's private network (such as Ping An Police E-Tong). The mortgage release platform identifies whether the client sends an online mortgage application or an online decompression application, and pushes necessary filling templates to the customer according to the application type and guides the customer to submit information; the necessary filling templates include signing an electronic contract, such as a mortgage contract, a mortgagor's statement, a filing application form, and uploading a photo of the front and back of the ID card and a face video, etc.; the necessary information filled in by the client is obtained, and a mortgage list table is generated according to the necessary information, all the necessary information and the mortgage list table are packaged and packaged to obtain a data package, and the data package is sent to the corresponding relevant department (such as a car mortgage is sent to the vehicle management office, and a house mortgage is sent to the housing management bureau), and the relevant department verifies the data package. When the verification is passed, the online mortgage release application is synchronized to the "accepted status" and the application result of the online mortgage release application is output.

[0068] The online mortgage release application review method includes the following steps:

[0069] Step S201: receiving an online mortgage release application submitted by a user, and identifying the application type of the online mortgage release application.

[0070] In this embodiment, an online mortgage release application submitted by a user to a preset platform through a client is received, the type of the mortgage release application sent by the client is identified, key fields of the mortgage release application are extracted, and based on the key fields, it is identified whether the online mortgage release application is a decompression application or a mortgage application; wherein the client includes but is not limited to handheld terminals (such as mobile phones, iPads, etc.) and fixed terminals (such as computers, etc.), and the above-mentioned mortgage release platform refers to a pre-built platform that establishes a connection with a preset departmental private network (such as Ping An Police E-Tong).

[0071] In one embodiment, the receiving of the online mortgage release application submitted by the client and identifying the application type of the online mortgage release application includes:

[0072] Receiving the online mortgage release application of the user, and identifying key fields of the online mortgage release application;

[0073] Pre-build a preset tag library, and use the key field to traverse each tag in the preset tag library to obtain a target tag that matches the key field;

[0074] The application type of the online mortgage release application is determined according to the target tag.

[0075] In this embodiment, the preset tag library refers to a tag library containing multiple tags, for example, a car mortgage tag, a house mortgage tag, an equipment mortgage tag, a car release tag, a house release tag, an equipment release tag, etc.; when an online mortgage release application submitted by a client is received, the key fields of the online mortgage release application are extracted by regular expressions, and a preset tag library is pre-built. The key fields are matched with each tag in the preset tag library, and the matching method includes but is not limited to exact matching, etc. After matching the target tag corresponding to the online mortgage release application, the application type of the mortgage release application is determined according to the tag, for example, it is determined whether it is a house mortgage application, a house release application, a car mortgage application or a car release application.

[0076] In this embodiment, by extracting the key fields of the online mortgage release application, matching the key fields with the labels in the preset label library, the application type of the online mortgage release application is determined, thereby avoiding manual intervention and reducing the need for manual review and classification, thereby improving the efficiency of mortgage release. Through standardized processing of labels, recognition errors can be avoided, thereby improving the accuracy of online mortgage release.

[0077] In an implementable example A, Xiao Ming submits an online mortgage release application to the platform via mobile phone. After receiving the online mortgage release application, the platform converts the online mortgage release application into JSON format {Applicant's name: Xiao Ming; ID number: xxx; Mortgage type: car mortgage application}, extracts the key field "car mortgage application" through regular expression, and pre-builds a preset tag library {car mortgage tag, house mortgage tag, equipment mortgage tag, car mortgage release tag, house mortgage release tag, equipment mortgage release tag, etc.}, accurately matches "car mortgage application" with each tag in the preset tag library, and determines that "car mortgage tag" is the application type of the online mortgage release application: car mortgage application type.

[0078] In another embodiment, when the user cannot find the online mortgage release application page on the platform page, the user can also send the mortgage type through the platform question and answer window. After the mortgage type submitted by the client through the question and answer window is identified, a link or QR code corresponding to the mortgage type is generated and pushed to the user's client window. When the user clicks the link or scans the QR code, the user is automatically redirected to the online mortgage release application page.

[0079] In this embodiment, by automatically identifying the application type of the online mortgage application, the corresponding necessary filling-in data template can be automatically generated according to the application type, thereby avoiding errors in manual identification and classification, and improving the efficiency and accuracy of mortgage application.

[0080] Step S202: Push the corresponding necessary information filling template to the user according to the application type.

[0081] In this embodiment, the application types include mortgage release applications and mortgage applications. The mortgage release applications include house mortgage release applications, car mortgage release applications, etc.; the mortgage applications include house mortgage applications, car mortgage applications, etc.; when the application type of the online mortgage release application is identified, the corresponding necessary information filling template is obtained according to the application type, and the necessary information filling template is pushed to the user, so that the user can fill in the corresponding information according to the necessary information filling template.

[0082] In one embodiment, the pushing of a corresponding template for filling out necessary information to the user according to the application type includes:

[0083] When the application type is a mortgage application, a template for filling out necessary information corresponding to the mortgage application is pushed to the user;

[0084] When the application type is a mortgage release application, obtaining a unique identifier of the user, and querying the loan status of the user in a preset database according to the unique identifier;

[0085] When the loan status is settled, the necessary information filling template corresponding to the mortgage release application is pushed to the user.

[0086] In this embodiment, the necessary information filling template corresponding to the mortgage application includes mortgage signing information, mortgage upload information, and mortgage mailing information; the mortgage signing information includes a mortgage contract, a mortgagor's statement, and a registration application form; the mortgage upload information includes the front and back images of the identity card and a face video or a face image; the mortgage mailing information includes a mortgaged item registration certificate; the necessary information filling template corresponding to the release of mortgage application includes release of mortgage upload information and release of mortgage signing information, the release of mortgage upload information includes the front and back images of the identity card and a face video or a face image, and the release of mortgage signing information includes the release of mortgage registration application form.

[0087] When the application type is identified as a mortgage application, a template for filling in necessary mortgage information is pushed to the user.

[0088] When the application type is identified as a mortgage release application, a unique identifier of the user is obtained, the unique identifier includes but is not limited to the user's ID number, etc., and a search is performed from a preset database based on the unique identifier to obtain the user's current loan status, and the preset database refers to a database used to store user loan information; the loan status includes settled and unsettled. When the user's current loan status is identified as settled, a template for filling in the necessary information for mortgage release is pushed to the user; when the user's current loan status is identified as unsettled, the online mortgage release application is rejected, and the user is prompted to continue repaying.

[0089] In this embodiment, the corresponding necessary information filling template is pushed to the user according to the application type to avoid incorrect or missing information filling, thereby improving the efficiency and accuracy of the online mortgage release application; through the verification of the loan status, it is ensured that the user has settled the loan, thereby ensuring the compliance of the online mortgage release application.

[0090] Continuing with the above-mentioned feasible example A, when it is identified that the application type of user Xiao Ming is a car mortgage application, the necessary information filling template corresponding to the car mortgage application, including the car mortgage contract, mortgagor's statement, and car registration application form that the customer needs to sign, is pushed to Xiao Ming, so that Xiao Ming can sign the above information with an electronic signature; Xiao Ming is prompted to upload the front and back images of his ID card and the face recording video; and Xiao Ming is prompted to mail the car registration certificate to the car outlet address.

[0091] In this embodiment, by pushing the necessary information filling template corresponding to the application type, it is possible to avoid situations where users miss filling in documents due to manual operations or the application fails due to incomplete user information, thereby improving the efficiency of online mortgage release applications.

[0092] Step S203: Obtain the necessary information uploaded by the user according to the necessary information filling template, and send a filing application to the private network of the preset department according to the necessary information.

[0093] In this embodiment, when the user receives the necessary information filling template, he / she signs the materials to be signed using an electronic signature or a handwritten signature according to the instructions of the necessary information filling template, wherein the electronic signature can be a signature in the form of a digital certificate, and the handwritten signature can be a signature by printing the materials, handwriting the signature on the materials, and then scanning them, or signing by mouse or touch, etc.; as well as uploading and mailing the corresponding materials, obtaining the above-mentioned signed materials, obtaining the materials uploaded by the user, and receiving the materials sent by the user by mail, etc., packaging all the materials as necessary information, and sending the filing application to the department-specific network related to the application type.

[0094] In one embodiment, after obtaining the necessary information uploaded by the user according to the necessary information filling template, the method further includes:

[0095] Classifying the necessary information according to the data type to obtain a signature type file and an image type file;

[0096] Performing a legality check on the signature information of the signature type file;

[0097] Perform clarity check on the image type file.

[0098] In this embodiment, necessary information uploaded by the user is obtained, and the necessary information is classified according to the type of material signed by the user and the type of material of the image uploaded by the user to obtain signature type files and image type files. For signature type files, the legitimacy of the signature of each signature type file is verified; for image type files, a pre-trained image clarity recognition model is used to perform clarity verification on the image type files.

[0099] In this embodiment, by dividing the necessary information into signature type files and image type files, corresponding processing methods can be used for different types of files, thereby improving the overall processing efficiency and accuracy; after the necessary information is classified, different types of files can be processed in parallel, thereby improving the efficiency of subsequent verification processes.

[0100] In another embodiment, the checking the validity of the signature information of the signed type file includes:

[0101] Extracting signature information from the signature type file, and identifying the signature type of the signature information;

[0102] When the signature type is an electronic signature, extracting the public key of the electronic signature;

[0103] Calculating the hash value of the signature type file to obtain a data hash value, and decrypting the electronic signature using the public key to obtain a signature hash value;

[0104] When the data hash value is the same as the signature hash value, the signature information of the signature type file passes the legitimacy check.

[0105] In this embodiment, the signature information in the signature type file is generally an electronic signature (digital certificate signature), but in actual applications, since the digital signature still needs to be processed by the user, the process is not very convenient. In order to be more convenient for users, a handwritten signature can also be used. When the legality of the signature information in the signature type file is verified, the signature information is first extracted from the signature type file, and the type of the signature information is identified to obtain the signature type of the signature information. When the signature type is an electronic signature, the public key is extracted from the electronic signature, and a preset hash value calculation method (such as RSA, DSA, etc.) is used to calculate the signature type file. Hash value, get the data hash value, and use the public key to decrypt the electronic signature to get the signature hash value, determine whether the data hash value is consistent with the signature hash value, when the data hash value is consistent with the signature hash value, determine that the signature type file passes the legitimacy check, when the data hash value is inconsistent with the signature hash value, determine that the signature type file does not pass the legitimacy check; in addition, when the signature type is an electronic signature, verify whether the handwritten signature is consistent with the known signature sample through image verification, when consistent, determine that the signature type file passes the legitimacy check; when inconsistent, determine that the signature type file does not pass the legitimacy check.

[0106] In this embodiment, by performing a validity check on the signed document, the signed document can be prevented from being forged or tampered with, thereby improving the security of the signed document.

[0107] In another embodiment, the clarity check of the image type file includes:

[0108] Converting the image type file into a grayscale image;

[0109] Performing edge detection on the grayscale image using a preset edge detection algorithm to obtain edge information of the grayscale image;

[0110] Counting edge pixel points of the edge information to obtain the number of edge pixel points;

[0111] When the number of edge pixels is greater than a preset pixel number threshold, it is determined that the image type file passes the clarity check.

[0112] In this embodiment, the preset edge detection algorithm may be a Canny algorithm, a Sobel algorithm, etc., and the image type file is first preprocessed to convert the image type file into a grayscale image, and the grayscale image is denoised (such as a Gaussian filter, etc.), and the preset edge detection algorithm is used to perform edge detection on the grayscale image to obtain edge information of the image. The edge information may be parameters such as the number of edges, length, and pixels. The present application uses pixels as the criterion for judgment, counts the number of edge pixels, and compares the number of edge pixels with a preset pixel number threshold. When the number of edge pixels is greater than the preset pixel number threshold, it is determined that the image type file has passed the clarity check; when the number of edge pixels is less than or equal to the preset pixel number threshold, it is determined that the image type file has not passed the clarity check, and the user is prompted to re-upload the image type file.

[0113] It is worth mentioning that when the image type file is of video type, it is also necessary to perform frame operation on the video to obtain multiple frames of images, and perform clarity verification based on each frame of the image. When the ratio between the image that passes the clarity verification and the image that fails the clarity verification is greater than or equal to a preset ratio threshold, it is judged that the image type file passes the clarity verification; when the ratio between the image that passes the clarity verification and the image that fails the clarity verification is less than the preset ratio threshold, it is judged that the image type file fails the clarity verification.

[0114] In this embodiment, by performing clarity verification on image type files, it is possible to prevent information loss or misunderstanding, ensure that key information in the image is accurately conveyed, and thus reduce the situation where incorrect recognition or non-recognition due to unclear images is caused.

[0115] Continuing with the above feasible example A, Xiao Ming signs the car mortgage contract, mortgagor's statement, and car registration application form with a digital signature according to the instructions in the necessary template, uploads the front and back images of the ID card and the face recording video, and mails the car registration certificate to the car outlet address. After receiving the above information, the car mortgage contract, mortgagor's statement, and car registration application form are classified into one category, and the front and back images of the ID card and the face recording video are classified into another category, and the clarity of these two types of files are checked separately.

[0116] In this embodiment, the integrity of the collected information can be ensured through the template of necessary information, and the collected information can be automatically packaged and transmitted to the preset department private network, thereby improving the efficiency of application and reducing the consumption of paper documents.

[0117] Step S204, receiving the review result of the registration application from the private network of the preset department;

[0118] In this embodiment, the user information obtained as mentioned in the above step S203 is transmitted as necessary information to the private network of the preset department for review, and the preset receiving mechanism is started. The preset receiving mechanism queries the private network of the preset department in real time or periodically to ensure that the review result of the filing application can be obtained in time. When the review result is received through the preset receiving mechanism, it is determined whether the review result is passed. When the review result is passed, the next step is performed. The next step is reflected in the subsequent embodiments and will not be repeated here. When the review result is a failure, the reason for the failure is obtained, and the failure reason is returned together with the review result, prompting the user to correct it according to the failure reason and upload it again.

[0119] In one embodiment, the receiving of the review result of the registration application by the private network of the preset department includes:

[0120] Convert the audit result according to a preset format to obtain a standard audit result;

[0121] Using a parser to traverse all nodes of the standard audit result and extract the audit key string;

[0122] The data type of the audit key character string is converted to obtain the audit key information.

[0123] In this embodiment, since the audit results transmitted through the private networks of different preset departments may be different, the audit results are first converted according to a preset format. The above preset format refers to XML structured data, and may also be other types of structured data. According to different types of structured data, the corresponding parsing methods are also different; when the conversion is completed, the XML parser is used to traverse all nodes of the standard audit results, identify the label or key name of each node, and extract the audit key string according to the label or key name of each node. The audit key string includes but is not limited to key information such as audit status, audit results, reasons for failure, and modification opinions; the audit key string is converted into a data type. The above data type conversion refers to text parsing of the audit key string, etc., to finally obtain the audit key information.

[0124] In this embodiment, by converting the audit results according to a preset format, data in various formats can be processed, thereby improving the versatility of the solution; and by using a parser to traverse all nodes of the standard audit results, the tediousness and error-proneness caused by manual processing are avoided, thereby improving the accuracy and efficiency of obtaining the audit results; by converting the data type of key strings, the accuracy and reliability of key audit information are improved.

[0125] To prevent the risk of the review results of the received filing application being intercepted and tampered with;

[0126] Therefore, in one embodiment, after receiving the review result of the registration application by the private network of the preset department, the method further includes:

[0127] Extracting a timestamp from the audit result and obtaining the current time;

[0128] Calculate the time difference between the timestamp and the current time;

[0129] Whether the audit result is qualified is determined based on the time difference and the preset time threshold.

[0130] In this embodiment, the timestamp refers to a high-precision date and time value generated before the data is sent; when the private network of the preset department sends data, the timestamp will be attached to the data to be sent as part of the data. After receiving the review result of the registration application by the private network of the preset department, the timestamp is extracted from the review result, the current time is obtained, and a difference is made between the timestamp and the current time to determine whether the difference is within the preset time threshold. If so, it is determined that the review result has not been intercepted or tampered with, and the review result is determined to be a qualified review result. If not, it is determined that the review result has been tampered with, and an early warning is issued for the review result.

[0131] In this embodiment, the audit results and the verification log records can also be transmitted in an encrypted manner.

[0132] Whether the above verification is successful or an early warning is issued for the audit result, the record needs to be stored in the preset database.

[0133] In this embodiment, the timeliness of the audit results can be verified by comparing the timestamp and the current time, which ensures that the received audit results are recently generated and not outdated or delayed. The timestamp is used for verification to prevent the audit results from being tampered with during transmission. If the time displayed by the timestamp does not match the expected time, this may indicate that the data has been illegally modified during transmission.

[0134] Continuing with the above-mentioned feasible example A, after obtaining the necessary information transmitted by Xiao Ming, the necessary information is packaged and encapsulated, and transmitted to the private network of the vehicle management office, and the receiving mechanism is enabled to retrieve the audit results converted and returned by the vehicle management office in real time, and the audit results are parsed to identify whether Xiao Ming's mortgage application is approved. If it is passed, proceed to the next step. If it is not passed, modify it according to the reason for failure and upload it again.

[0135] In this embodiment, by receiving the review result of the filing application through the private network of the preset department, the user avoids multiple trips and paperization, reduces resource consumption, and improves the efficiency of the mortgage process.

[0136] Step S205: If the review result is passed, the corresponding application result is output according to the application type of the online mortgage release application.

[0137] In this embodiment, when the received review result is passed, if the application type of the online mortgage release application is a mortgage release application, the corresponding mortgage release application is successfully output, and the mortgaged items are released from the system; if the application type of the online mortgage release application is a mortgage application, the corresponding mortgage application is successfully output, and the mortgaged items are entered into the system.

[0138] It is worth mentioning that all the above process nodes need to be stored in the preset database for subsequent search. When the mortgage release business is completed, they need to be archived on the preset platform and private network.

[0139] Continuing with the above feasible example A, when Xiao Ming's mortgage application is successful, Xiao Ming's car registration certificate will be stored.

[0140] In this embodiment, if the review result is passed, the corresponding application result is output according to the application type of the online mortgage release application, thereby realizing the comprehensive paperless mortgage release information; the application result can be obtained through online processing, thereby improving the efficiency of the mortgage release process; and, through online data docking, the phenomenon of forging mortgage release information is eliminated, thereby improving the security of the mortgage release process.

[0141] It should be emphasized that in order to further ensure the privacy and security of the above-mentioned mortgage release information and user information, the above-mentioned mortgage release information and user information can also be stored in a node of a blockchain.

[0142] The blockchain referred to in this application is a new application model of computer technologies such as distributed data storage, peer-to-peer transmission, consensus mechanism, encryption algorithm, etc. Blockchain is essentially a decentralized database, a string of data blocks generated by cryptographic methods. Each data block contains a batch of network transaction information, which is used to verify the validity of its information (anti-counterfeiting) and generate the next block. Blockchain can include the underlying blockchain platform, platform product service layer, and application service layer.

[0143] The embodiments of the present application can acquire and process relevant data based on artificial intelligence technology. Among them, artificial intelligence (AI) is the theory, method, technology and application system that uses digital computers or machines controlled by digital computers to simulate, extend and expand human intelligence, perceive the environment, acquire knowledge and use knowledge to obtain the best results.

[0144] AI basic technologies generally include sensors, dedicated AI chips, cloud computing, distributed storage, big data processing technology, operation / interaction systems, mechatronics, etc. AI software technologies mainly include computer vision technology, robotics technology, biometrics technology, speech processing technology, natural language processing technology, and machine learning / deep learning.

[0145] Those skilled in the art can understand that all or part of the processes in the above-mentioned embodiments can be implemented by instructing the relevant hardware through computer-readable instructions, and the computer-readable instructions can be stored in a computer-readable storage medium. When the program is executed, it can include the processes of the embodiments of the above-mentioned methods. Among them, the aforementioned storage medium can be a non-volatile storage medium such as a disk, an optical disk, a read-only memory (ROM), or a random access memory (RAM).

[0146] It should be understood that, although the steps in the flowchart of the accompanying drawings are displayed in sequence as indicated by the arrows, these steps are not necessarily executed in sequence in the order indicated by the arrows. Unless otherwise specified herein, there is no strict order restriction on the execution of these steps, and they can be executed in other orders. Moreover, at least a part of the steps in the flowchart of the accompanying drawings may include multiple sub-steps or multiple stages, and these sub-steps or stages are not necessarily executed at the same time, but can be executed at different times, and their execution order is not necessarily sequential, but can be executed in turn or alternately with other steps or at least a part of the sub-steps or stages of other steps.

[0147] Further references Figure 3 , as a response to the above Figure 2 The present application provides an embodiment of an online mortgage application review device, which is similar to Figure 2 Corresponding to the method embodiment shown, the apparatus can be specifically applied to various computer devices.

[0148] like Figure 3 As shown, the online mortgage release application review device 300 described in this embodiment includes: an identification module 301, a push module 302, a sending module 303, a receiving module 304, and an output module 305. Among them:

[0149] An identification module 301 is used to receive an online mortgage release application submitted by a user and identify the application type of the online mortgage release application;

[0150] In one embodiment, the receiving of the online mortgage release application submitted by the client and identifying the application type of the online mortgage release application includes:

[0151] Receiving the online mortgage release application of the user, and identifying key fields of the online mortgage release application;

[0152] Pre-build a preset tag library, and use the key field to traverse each tag in the preset tag library to obtain a target tag that matches the key field;

[0153] The application type of the online mortgage release application is determined according to the target tag.

[0154] Push module 302, used to push the corresponding necessary information filling template to the user according to the application type;

[0155] In one embodiment, the pushing of a corresponding template for filling out necessary information to the user according to the application type includes:

[0156] When the application type is a mortgage application, a template for filling out necessary information corresponding to the mortgage application is pushed to the user;

[0157] When the application type is a mortgage release application, obtaining a unique identifier of the user, and querying the loan status of the user in a preset database according to the unique identifier;

[0158] When the loan status is settled, the necessary information filling template corresponding to the mortgage release application is pushed to the user.

[0159] The sending module 303 is used to obtain the necessary information uploaded by the user according to the necessary information filling template, and send the filing application to the private network of the preset department according to the necessary information;

[0160] In one embodiment, after obtaining the necessary information uploaded by the user according to the necessary information filling template, the method further includes:

[0161] Classify the necessary information according to the data type to obtain a signature type file and an image type file;

[0162] Performing a legality check on the signature information of the signature type file;

[0163] Perform clarity check on the image type file.

[0164] In one embodiment, the checking the validity of the signature information of the signed type file includes:

[0165] Extracting signature information from the signature type file, and identifying the signature type of the signature information;

[0166] When the signature type is an electronic signature, extracting the public key of the electronic signature;

[0167] Calculating the hash value of the signature type file to obtain a data hash value, and decrypting the electronic signature using the public key to obtain a signature hash value;

[0168] When the data hash value is the same as the signature hash value, the signature information of the signature type file passes the legitimacy check.

[0169] In one embodiment, the clarity check of the image type file includes:

[0170] Converting the image type file into a grayscale image;

[0171] Performing edge detection on the grayscale image using a preset edge detection algorithm to obtain edge information of the grayscale image;

[0172] Counting edge pixel points of the edge information to obtain the number of edge pixel points;

[0173] When the number of edge pixels is greater than a preset pixel number threshold, it is determined that the image type file passes the clarity check.

[0174] A receiving module 304 receives the review result of the registration application by the private network of the preset department;

[0175] In one embodiment, the receiving of the review result of the registration application by the private network of the preset department includes:

[0176] Convert the audit result according to a preset format to obtain a standard audit result;

[0177] Using a parser to traverse all nodes of the standard audit result and extract the audit key string;

[0178] The data type of the audit key character string is converted to obtain the audit key information.

[0179] The output module 305 is used to output the corresponding application result according to the application type of the online mortgage release application if the review result is passed.

[0180] In this embodiment, the application can automatically generate a corresponding template for necessary filling materials according to the application type by automatically identifying the application type of the online mortgage application, thereby avoiding errors in manual identification and classification, and improving the efficiency and accuracy of mortgage application.

[0181] By pushing the necessary information filling template corresponding to the application type, it can avoid the situation where users miss filling in documents due to manual operation or the application fails due to incomplete user information, thus improving the efficiency of online mortgage application;

[0182] The templates of necessary information can ensure the integrity of the collected information, and automatically package and transmit the collected information to the preset department's private network, which improves the efficiency of application and reduces the consumption of paper documents;

[0183] By receiving the review results of the filing application from the preset department's dedicated network, the user is prevented from having to go back and forth multiple times, and paper documents are removed, which reduces resource consumption and improves the efficiency of the mortgage process;

[0184] If the review result is passed, the corresponding application result will be output according to the application type of the online mortgage release application, thereby realizing the comprehensive paperless mortgage release information; the application result can be obtained through online processing, thereby improving the efficiency of the mortgage release process; and, through online data docking, the phenomenon of forging mortgage release information is eliminated, thereby improving the security of the mortgage release process.

[0185] In order to solve the above technical problems, the present application embodiment also provides a device (computer device). Figure 4 , Figure 4 This is a basic structural block diagram of the computer device in this embodiment.

[0186] The computer device 4 includes a memory 41, a processor 42, and a network interface 43 that are interconnected and communicated through a system bus. It should be noted that the figure only shows a computer device 4 with a memory 41, a processor 42, and a network interface 43, but it should be understood that it is not required to implement all the components shown, and more or fewer components can be implemented instead. Among them, those skilled in the art can understand that the computer device here is a device that can automatically perform numerical calculations and / or information processing according to pre-set or stored instructions, and its hardware includes but is not limited to microprocessors, application specific integrated circuits (Application Specific Integrated Circuit, ASIC), programmable gate arrays (Field-Programmable Gate Array, FPGA), digital processors (Digital Signal Processor, DSP), embedded devices, etc.

[0187] The computer device may be a computing device such as a desktop computer, a notebook, a PDA, a cloud server, etc. The computer device may interact with a user through a keyboard, a mouse, a remote controller, a touch pad, or a voice control device.

[0188] The memory 41 includes at least one type of readable storage medium, and the readable storage medium includes flash memory, hard disk, multimedia card, card-type memory (for example, SD or DX memory, etc.), random access memory (RAM), static random access memory (SRAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), programmable read-only memory (PROM), magnetic memory, disk, optical disk, etc. In some embodiments, the memory 41 can be an internal storage unit of the computer device 4, such as a hard disk or memory of the computer device 4. In other embodiments, the memory 41 can also be an external storage device of the computer device 4, such as a plug-in hard disk, a smart memory card (Smart Media Card, SMC), a secure digital (Secure Digital, SD) card, a flash card (FlashCard), etc. equipped on the computer device 4. Of course, the memory 41 can also include both the internal storage unit of the computer device 4 and its external storage device. In this embodiment, the memory 41 is generally used to store the operating system and various application software installed on the computer device 4, such as computer-readable instructions of the review method of the online release mortgage application, etc. In addition, the memory 41 can also be used to temporarily store various types of data that have been output or are to be output.

[0189] The processor 42 may be a central processing unit (CPU), a controller, a microcontroller, a microprocessor, or other data processing chips in some embodiments. The processor 42 is generally used to control the overall operation of the computer device 4. In this embodiment, the processor 42 is used to run computer-readable instructions stored in the memory 41 or process data, such as computer-readable instructions for running the online mortgage release application review method.

[0190] The network interface 43 may include a wireless network interface or a wired network interface. The network interface 43 is generally used to establish a communication connection between the computer device 4 and other electronic devices.

[0191] During the implementation of the present application, the electronic device can automatically identify the application type of the online mortgage application and automatically generate a corresponding template for necessary filling in materials according to the application type, thereby avoiding errors in manual identification and classification and improving the efficiency and accuracy of mortgage application.

[0192] By pushing the necessary information filling template corresponding to the application type, it can avoid the situation where users miss filling in documents due to manual operation or the application fails due to incomplete user information, thus improving the efficiency of online mortgage application;

[0193] The templates of necessary information can ensure the integrity of the collected information, and automatically package and transmit the collected information to the preset department's private network, which improves the efficiency of application and reduces the consumption of paper documents;

[0194] By receiving the review results of the filing application from the preset department's dedicated network, the user is prevented from having to go back and forth multiple times, and paper documents are removed, which reduces resource consumption and improves the efficiency of the mortgage process;

[0195] If the review result is passed, the corresponding application result will be output according to the application type of the online mortgage release application, thereby realizing the comprehensive paperless mortgage release information; the application result can be obtained through online processing, thereby improving the efficiency of the mortgage release process; and, through online data docking, the phenomenon of forging mortgage release information is eliminated, thereby improving the security of the mortgage release process.

[0196] The present application also provides another implementation, namely, providing a storage medium (computer-readable storage medium), wherein the computer-readable storage medium stores computer-readable instructions, and the computer-readable instructions can be executed by at least one processor to enable the at least one processor to perform the steps of the online mortgage release application review method as described above.

[0197] During the implementation process, the computer-readable storage medium of the present application can automatically generate a corresponding template for necessary filling materials according to the application type by automatically identifying the application type of the online mortgage application, thereby avoiding errors in manual identification and classification, and improving the efficiency and accuracy of mortgage application.

[0198] By pushing the necessary information filling template corresponding to the application type, it can avoid the situation where users miss filling in documents due to manual operation or the application fails due to incomplete user information, thus improving the efficiency of online mortgage application;

[0199] The templates of necessary information can ensure the integrity of the collected information, and automatically package and transmit the collected information to the preset department's private network, which improves the efficiency of application and reduces the consumption of paper documents;

[0200] By receiving the review results of the filing application from the preset department's dedicated network, the user is prevented from having to go back and forth multiple times, and paper documents are removed, which reduces resource consumption and improves the efficiency of the mortgage process;

[0201] If the review result is passed, the corresponding application result will be output according to the application type of the online mortgage release application, thereby realizing the comprehensive paperless mortgage release information; the application result can be obtained through online processing, thereby improving the efficiency of the mortgage release process; and, through online data docking, the phenomenon of forging mortgage release information is eliminated, thereby improving the security of the mortgage release process.

[0202] The non-Company software tools or components appearing in the embodiments of this application are merely examples and do not represent actual use.

[0203] Through the description of the above implementation methods, those skilled in the art can clearly understand that the above-mentioned embodiment methods can be implemented by means of software plus a necessary general hardware platform, and of course by hardware, but in many cases the former is a better implementation method. Based on such an understanding, the technical solution of the present application, or the part that contributes to the prior art, can be embodied in the form of a software product, which is stored in a storage medium (such as ROM / RAM, magnetic disk, optical disk), and includes a number of instructions for a terminal device (which can be a mobile phone, computer, server, air conditioner, or network device, etc.) to execute the methods described in each embodiment of the present application.

[0204] Obviously, the embodiments described above are only some embodiments of the present application, rather than all embodiments. The preferred embodiments of the present application are given in the accompanying drawings, but they do not limit the patent scope of the present application. The present application can be implemented in many different forms. On the contrary, the purpose of providing these embodiments is to make the understanding of the disclosure of the present application more thorough and comprehensive. Although the present application is described in detail with reference to the aforementioned embodiments, for those skilled in the art, it is still possible to modify the technical solutions recorded in the aforementioned specific implementation methods, or to perform equivalent replacement of some of the technical features therein. Any equivalent structure made using the contents of the specification and drawings of this application, directly or indirectly used in other related technical fields, is similarly within the scope of patent protection of this application.

Claims

1. A method for reviewing an online mortgage release application, characterized in that: The steps include: Receiving an online mortgage release application submitted by a user, and identifying an application type of the online mortgage release application; Pushing a corresponding template for filling out necessary information to the user according to the application type; Obtaining the necessary information uploaded by the user according to the necessary information filling template, and sending a filing application to the private network of a preset department according to the necessary information; Receive the review result of the registration application from the private network of the preset department; If the review result is passed, the corresponding application result is output according to the application type of the online mortgage release application.

2. The method for reviewing online mortgage release application according to claim 1, characterized in that: The receiving the online mortgage release application submitted by the user and identifying the application type of the online mortgage release application includes: Receiving the online mortgage release application of the user, and identifying key fields of the online mortgage release application; Pre-build a preset tag library, and use the key field to traverse each tag in the preset tag library to obtain a target tag that matches the key field; The application type of the online mortgage release application is determined according to the target tag.

3. The online mortgage release application review method according to claim 1, characterized in that: The necessary information filling template corresponding to the application type is pushed to the user, including: When the application type is a mortgage application, a template for filling out necessary information corresponding to the mortgage application is pushed to the user; When the application type is a mortgage release application, obtaining a unique identifier of the user, and querying the loan status of the user in a preset database according to the unique identifier; When the loan status is settled, the necessary information filling template corresponding to the mortgage release application is pushed to the user.

4. The method for reviewing online mortgage release application according to claim 1, characterized in that: After obtaining the necessary information uploaded by the user according to the necessary information filling template, the method further includes: Classifying the necessary information according to the data type to obtain a signature type file and an image type file; Performing a legality check on the signature information of the signature type file; Perform clarity check on the image type file.

5. The method for reviewing online mortgage release application according to claim 4, characterized in that: The checking of the validity of the signature information of the signed type file includes: Extracting signature information from the signature type file, and identifying the signature type of the signature information; When the signature type is an electronic signature, extracting the public key of the electronic signature; Calculating the hash value of the signature type file to obtain a data hash value, and decrypting the electronic signature using the public key to obtain a signature hash value; When the data hash value is the same as the signature hash value, the signature information of the signature type file passes the legitimacy check.

6. The method for reviewing online mortgage release application according to claim 4, characterized in that: The performing clarity check on the image type file includes: Converting the image type file into a grayscale image; Performing edge detection on the grayscale image using a preset edge detection algorithm to obtain edge information of the grayscale image; Counting edge pixel points of the edge information to obtain the number of edge pixel points; When the number of edge pixels is greater than a preset pixel number threshold, it is determined that the image type file passes the clarity check.

7. The method for reviewing online mortgage release application according to claim 1, characterized in that: The receiving unit receives the review result of the registration application by the preset department's dedicated network, including: Convert the audit result according to a preset format to obtain a standard audit result; Using a parser to traverse all nodes of the standard audit result and extract the audit key string; The data type of the audit key character string is converted to obtain the audit key information.

8. An online mortgage release application review device, characterized in that: The device comprises: An identification module, used to receive an online mortgage release application submitted by a user and identify the application type of the online mortgage release application; A push module, used to push the corresponding necessary information filling template to the user according to the application type; A sending module, used to obtain the necessary information uploaded by the user according to the necessary information filling template, and send the filing application to the private network of the preset department according to the necessary information; A receiving module receives the review result of the registration application by the private network of the preset department; The output module is used to output the corresponding application result according to the application type of the online mortgage release application if the review result is passed.

9. A computer device, characterized in that: The computer device comprises: at least one processor; and, a memory communicatively connected to the at least one processor; wherein, The memory stores instructions that can be executed by the at least one processor, and the instructions are executed by the at least one processor so that the at least one processor can execute the online mortgage release application review method as described in any one of claims 1 to 7.

10. A computer-readable storage medium storing a computer program, characterized in that: When the computer program is executed by a processor, the method for reviewing online mortgage release applications as described in any one of claims 1 to 7 is implemented.

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