Auto loan platform integrating multiple data

Abstract

The present application relates to the field of automobile loan platforms, and discloses an automobile loan platform with multivariate data fusion, including a business function module. The business function module, as the core of the platform, integrates various operations closely related to the loan business process, and realizes the full life cycle management from loan application to post-loan management. The business function module is connected to a data interaction and storage module, which is the data hub of the platform and is responsible for data exchange with internal and external systems, and effectively stores and manages various types of data. The data interaction and storage module is connected to a security and monitoring module. During risk assessment, the present invention uses big data analysis technology to conduct a comprehensive analysis of multi-source data, which can more accurately assess the credit risk and repayment ability of the borrower, reduce the risk assessment bias caused by incomplete information, thereby effectively reducing the risk of later loan repayments and improving the quality of loan assets.

Description

Technical Field

[0001] The present invention relates to the technical field of automobile loan platforms, and in particular to an automobile loan platform integrating multiple data. Background Art

[0002] With the continuous development of technology, there are more and more ways to get loans, such as home loans, car loans, etc. In the field of car loans, the common loan method is for banks to judge the credit of loan users and provide a relative loan amount based on the credit limit.

[0003] However, the existing auto loan platforms still have many shortcomings in actual operation. In terms of business functions, some platforms have single functions and can only provide basic loan application and approval services, lacking deep integration with other related business systems. For example, the information exchange with vehicle management departments, insurance companies, etc. is not smooth, and it is impossible to provide borrowers with one-stop comprehensive services, such as vehicle insurance recommendations and purchases, vehicle transfer procedures, etc. In terms of data management, data sources are limited and scattered, and there is a lack of effective multi-data fusion mechanisms. Many platforms only rely on the basic information provided by borrowers for risk assessment, and are unable to obtain comprehensive credit data and vehicle-related data, resulting in inaccurate risk assessment and affecting the subsequent loan repayment. Summary of the invention

[0004] In view of the deficiencies of the prior art, the present invention provides a multi-data fusion automobile loan platform, which solves the problems of the existing automobile loan platform, such as single business function, lack of system integration, poor data management, and inaccurate risk assessment affecting the repayment.

[0005] To achieve the above objectives, the present invention is implemented through the following technical solutions: a multi-data fusion automobile loan platform, including a business function module, which, as the core of the platform, integrates various operations closely related to the loan business process and realizes the full life cycle management from loan application to post-loan management. The business function module is connected to a data interaction and storage module, which is the data hub of the platform and is responsible for data exchange with internal and external systems and effectively storing and managing various types of data. The data interaction and storage module is connected to a security and monitoring module, which builds a solid security line and a comprehensive monitoring system for the platform;

[0006] The business function module includes a business partner system module, which establishes an information bridge with partners. The business partner system module is connected to a head office system module, which ensures that the loan business complies with the head office's policies and regulatory requirements by leveraging the head office's powerful resources and standardized processes. The head office system module is connected to an external service platform module, which introduces external professional services, enriches the platform's functions, and enhances the ability to control key links of the loan business. The external service platform module is connected to a micro-bank channel module, which provides customers with a convenient loan application portal and diversified service channels, and realizes efficient interaction between customers and the platform. The micro-bank channel module is connected to a management terminal module, which realizes effective management of platform internal personnel, partners, loan processes and system configurations.

[0007] Preferably, the docking business partner system module is connected to an information receiving function module, and the information receiving function module receives the partner's application information, financing information, loan review request and loan image file; the information receiving function module is connected to an information query and push function module, and the information query and push function module provides bill query, repayment plan query, and repayment trial calculation services to the partners, and simultaneously pushes loan application and pre-credit results, C3 account opening approval and contract registration results, and loan disbursement result information to the partners; the information query and push function module is connected to a repayment execution and data push function module, and the repayment execution and data push function module processes normal, overdue and early repayment business, and simultaneously pushes repayment data, repayment plan, repayment customer list, overdue customer list, overdue loan list collection notice and compensation result notification information to the partners.

[0008] Preferably, the module connected to the head office system is connected to a credit access and account opening approval function module, which implements credit access and account opening approval operations for borrowers by calling the head office APOLLO platform. The credit access and account opening approval function module is connected to a credit loan and bill-related function module, which uses the head office APOLLO platform to complete credit loan operations to ensure accurate disbursement of loan funds, while providing bill query, repayment calculation, and repayment plan query functions, and maintaining data synchronization with the head office system. The credit loan and bill-related function module is connected to a repayment execution function module, which implements the normal overdue early repayment function, and collaborates with the head office system to process repayment business.

[0009] Preferably, the module for docking with the external service platform is connected to a contract signing function module, which sends a contract signing request and receives a signing result; the contract signing function module is connected to a credit investigation and information authorization function module, which sends a credit investigation and information authorization signing request and receives a signing result; the credit investigation and information authorization function module is connected to a vehicle information verification function module, which calls the vehicle information verification service of the bank-insurance-trust vehicle information to verify the authenticity and legality of the vehicle information; the vehicle information verification function module is connected to a vehicle invoice verification function module, which has the ability to call relevant services of the head office to verify the vehicle invoice.

[0010] Preferably, the micro-banking channel module is connected to an information verification function module, which verifies the accepted order information, including application and contract number signature; the information verification function module is connected to a second-category account opening and closing application function module, which processes the customer's second-category account opening application and provides account support for the issuance and management of loan funds; the second-category account opening and closing application function module is connected to an inquiry and repayment function module, which provides bill inquiry application, repayment trial calculation application, and repayment plan inquiry application services, and realizes the repayment execution function at the same time, providing customers with a convenient repayment channel; the inquiry and repayment function module is connected to a loan subject inquiry function module, which allows customers to inquire about loan subject information.

[0011] Preferably, the management end module is connected to a personnel management function module, and the personnel management function module performs organization and personnel management, including internal management of user addition, deletion, modification and query, role and authority allocation; the personnel management function module is connected to a partner management function module, and the partner management function module manages the partner status, vehicle model, and financing information, and maintains the cooperative relationship; the partner management function module is connected to a system configuration function module, and the system configuration function module controls various management parameters, including role authority management function, interface address management function, and report query function; the system configuration function module is connected to a loan process management function module, and the loan process management function module manages the loan process, and the process includes loan application management, post-loan overall process query, file management, and loan disbursement review.

[0012] Preferably, the data interaction and storage module includes a data interaction module, which realizes the data flow between the platform and multiple systems including the head office, partners, and external service platforms. The data interaction module is connected to a data storage module, which efficiently stores and manages structured data, unstructured data, and cached data. The structured data includes customer information and loan records, and the unstructured data includes image files and contract documents.

[0013] Preferably, the data interaction module is connected to a head office interaction interface module, and the head office interaction interface module interacts with the head office personal online loan platform for data related to credit intelligent operations through specific transaction codes and interfaces, including loan application, approval, credit use, repayment trial calculation, and bill inquiry. The head office interaction interface module is connected to a partner and its external system interaction module, and the partner and its external system interaction module interacts with other partners. The data storage module is connected to a database storage module, and the database storage module uses a MYSQL cluster to store structured data, including various business data such as borrower information, loan application information, approval results, and repayment records. The database storage module is connected to a buffer storage module, and the buffer storage module uses Redis cache to store frequently accessed data. The buffer storage module is connected to a file storage module, and the file storage module uses NAS to store loan image files and contract file unstructured data.

[0014] Preferably, the security and monitoring module includes a security module, which provides comprehensive protection from multiple aspects such as identity authentication, access control, security audit, sensitive information protection and session security. The security module is connected to a monitoring module, which monitors and comprehensively manages the platform's operating status in real time and promptly discovers system performance bottlenecks, network failures and application anomalies.

[0015] Preferably, the security module is connected to an identity authentication module, which is bound by the account information and facial information provided by the customer, so as to identify the customer's identity. The identity authentication module is connected to an access control module, which determines the authority by user name, user role, and IP, and adopts the RBAC authority management model. New roles and corresponding menu authorities can be created on the management side to enable users with different authorities to access different functions. The access control module is connected to a security audit module, which records user operation behavior logs / transaction flows in non-query scenarios such as user, institution and authority management, loan approval, and partner maintenance. The recorded content includes identity, time, terminal device, server, operation, pre-operation data, and post-operation data, which are saved in text and database form and backed up monthly. The security audit module is connected to a sensitive The sensitive information protection module adopts the head office technology stack to perform JS security reinforcement to protect the user's personal sensitive information. The sensitive information protection module is connected to a session security module, which ensures session security and prevents the session from security threats such as fixed attacks and replay attacks. The monitoring module is connected to a system monitoring module, which monitors key system indicators such as system operation status, CPU usage, memory usage, and file system proportion. At the same time, the visual monitoring end of OCMS is deployed to promptly discover and handle abnormal situations. The system monitoring module is connected to a network monitoring module, which monitors traffic through the network management platform to ensure stable network operation. The network monitoring module is connected to an application monitoring module, which is included in the head office's planetary cloud performance monitoring to comprehensively monitor application performance.

[0016] The present invention provides a multi-data fusion automobile loan platform, which has the following beneficial effects:

[0017] 1. The present invention realizes data flow with multiple systems by connecting with business partner system modules, head office system modules, external service platform modules and micro-bank channel modules, so that the platform can obtain rich multi-dimensional data. It not only includes the basic information provided by the borrower, but also connects with external service platforms (such as vehicle information verification services of bank insurance and credit reporting agencies, etc.). During risk assessment, the multi-source data is comprehensively analyzed through big data analysis technology, which can more accurately assess the credit risk and repayment ability of the borrower, reduce the risk assessment deviation caused by incomplete information, and effectively reduce the risk of loan repayment in the later period, and improve the quality of loan assets.

[0018] 2. The present invention realizes in-depth information interaction with vehicle management departments, insurance companies, etc. through the data interaction module. In terms of vehicle insurance recommendation and purchase, it can accurately push appropriate insurance plans according to vehicle information and borrower needs, and realize convenient operation of insurance purchase in the loan process; in the vehicle transfer procedures, it can timely obtain relevant policies and process information of the vehicle management department to provide guidance and assistance to borrowers. This provides borrowers with a one-stop comprehensive service, greatly improves the user experience, and makes the loan car purchase process more convenient and efficient. BRIEF DESCRIPTION OF THE DRAWINGS

[0019] Figure 1 is a flow chart of the platform of the present invention;

[0020] Figure 2 This is a module flow chart of the docking business partner system of the present invention;

[0021] Figure 3 This is a flow chart of the module of the head office system for docking of the present invention;

[0022] Figure 4 This is a flow chart of the module for docking with an external service platform of the present invention;

[0023] Figure 5 This is a flow chart of the micro-bank channel module of the present invention;

[0024] Figure 6 This is a flow chart of the management end module of the present invention;

[0025] Figure 7 It is a flow chart of the data interaction module of the present invention;

[0026] Figure 8 It is a flow chart of the data storage module of the present invention;

[0027] Fig. 9 is a flow chart of the security module of the present invention;

[0028] Fig.10 It is a flow chart of the monitoring module of the present invention. DETAILED DESCRIPTION

[0029] The following will be combined with the drawings in the specification of the present invention to clearly and completely describe the technical solutions in the embodiments of the present invention. Obviously, the described embodiments are only part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of the present invention.

[0030] Example:

[0031] Please see attached Figure 1 -Attached Fig.10 The embodiment of the present invention provides a multi-data fusion automobile loan platform, including a business function module. The business function module, as the core of the platform, integrates various operations closely related to the loan business process, realizes the full life cycle management from loan application to post-loan management, and ensures that the loan business is carried out efficiently, accurately and in compliance with regulations. The business function module is connected to a data interaction and storage module. The data interaction and storage module is the data hub of the platform, responsible for exchanging data with internal and external systems, and effectively storing and managing various types of data, ensuring the timeliness, accuracy and integrity of the data, and providing solid data support for the business function module. The data interaction and storage module is connected to a security and monitoring module. The security and monitoring module builds a solid security line of defense and a comprehensive monitoring system for the platform, ensuring that the platform can effectively prevent various security threats during operation, timely discover and handle system failures and abnormal situations, and ensure the stability of the platform.

[0032] The business function module includes a business partner docking system module, which establishes an information bridge with partners, ensures the accurate transmission of loan application materials and the coordinated advancement of business processes, and realizes data sharing and business linkage between the two parties. The business partner docking system module is connected to the head office docking system module. The head office docking system module uses the head office's powerful resources and standardized processes to achieve accurate risk assessment, compliant loan issuance and effective fund management, ensuring that the loan business complies with the head office's policies and regulatory requirements. The head office docking system module is connected to the external service platform module, and the external The service platform module introduces external professional services, enriches the platform functions, enhances the ability to control key links of the loan business, and effectively prevents fraud risks. The external service platform module is connected to the micro-banking channel module, which provides customers with a convenient loan application portal and diversified service channels, realizes efficient interaction between customers and the platform, and also expands the business coverage and promotes business growth. The micro-banking channel module is connected to the management end module, which realizes the effective management of the platform's internal personnel, partners, loan processes and system configurations, ensuring the standardization, stability and security of the platform's operations.

[0033] The docking business partner system module is connected to an information receiving function module, which receives the partner's application information, financing information, loan review request and loan image files to provide basic data for the subsequent loan approval process. The information receiving function module is connected to an information query and push function module, which provides bill query, repayment plan query, and repayment trial calculation services to the partners, so that the partners can understand loan-related information. At the same time, it pushes loan application and pre-credit results, C3 account opening approval and contract registration results, and loan disbursement results information to the partners, so that the partners can grasp the loan approval progress and results in time. The information query and push function module is connected to a repayment execution and data push function module, which handles normal, overdue and early repayment business to ensure accurate recording of repayment operations and the safety of capital flow, and at the same time pushes repayment data, repayment plans, repayment customer lists, overdue customer lists, overdue loan list collection notices and compensation result notification information to the partners.

[0034] The module connected to the head office system is connected to a credit access and account opening approval function module. The credit access and account opening approval function module implements the credit access and account opening approval operations for the borrower by calling the APOLLO platform of the head office, and conducts strict review according to the risk assessment standards and policies of the head office. The credit access and account opening approval function module is connected to a credit loan and bill-related function module. The credit loan and bill-related function module uses the APOLLO platform of the head office to complete the credit loan operation to ensure the accurate disbursement of loan funds, and at the same time provides bill query, repayment trial calculation, and repayment plan query functions, and keeps data synchronization with the head office system to provide accurate repayment information for the borrower. The credit loan and bill-related function module is connected to a repayment execution function module. The repayment execution function module implements the normal overdue early repayment function, and cooperates with the head office system to process the repayment business to ensure the accurate recording of repayment data and the timely settlement of funds.

[0035] The module for docking with the external service platform is connected to a contract signing function module, which sends a contract signing request and receives a signing result to ensure the legality and validity of the loan contract signing. The contract signing function module is connected to a credit investigation and information authorization function module, which sends a credit investigation and information authorization signing request and receives a signing result to ensure the compliance of credit information acquisition and use. The credit investigation and information authorization function module is connected to a vehicle information verification function module, which calls the vehicle information verification service of the bank insurance credit to verify the authenticity and legality of the vehicle information and prevent vehicle-related risks. The vehicle information verification function module is connected to a vehicle invoice verification function module, which has the ability to call the relevant services of the head office to verify the vehicle invoice.

[0036] The micro-banking channel module is connected to an information verification function module, which verifies the accepted order information, including application and contract number signature, to ensure the accuracy and completeness of the information submitted by the customer. The information verification function module is connected to a second-category account opening and closing application function module, which processes the customer's second-category account opening application and provides account support for the issuance and management of loan funds. The second-category account opening and closing application function module is connected to an inquiry and repayment function module, which provides bill inquiry application, repayment trial calculation application, and repayment plan inquiry application services, and realizes the repayment execution function at the same time, providing customers with a convenient repayment channel. The inquiry and repayment function module is connected to a loan subject inquiry function module, which allows customers to inquire about loan subject information and increase the transparency of loan business.

[0037] The management end module is connected to a personnel management function module, which performs organization and personnel management, including adding, deleting, modifying and checking internal management users, and allocating roles and permissions to ensure the compliance and security of system operations. The personnel management function module is connected to a partner management function module, which manages partner status, vehicle models, and financing information, and maintains cooperative relationships. The partner management function module is connected to a system configuration function module, which controls various management parameters, including role and permission management functions, interface address management functions, and report query functions. The system configuration function module is connected to a loan process management function module, which manages the loan process, including loan application management, post-loan overall process query, file management, and loan disbursement review.

[0038] The data interaction and storage module includes a data interaction module, which realizes the data flow between the platform and multiple systems of the head office, partners, and external service platforms, breaks the data silos, promotes data sharing and collaborative use, and enables the platform to obtain more comprehensive information. The data interaction module is connected to a data storage module, which efficiently stores and manages structured data, unstructured data, and cached data. The structured data includes customer information and loan records, and the unstructured data includes image files and contract documents.

[0039] The data interaction module is connected to the head office interaction interface module. The head office interaction interface module interacts with the head office's personal online loan platform for data related to credit intelligent operations through specific transaction codes and interfaces, including loan application, approval, credit use, repayment calculation, and bill inquiry. The head office interaction interface module is connected to a partner and its external system interaction module. The partner and its external system interaction module interacts with other partners for data, so as to further understand various information of the borrower and reduce loan risks.

[0040] The data storage module is connected to a database storage module, which uses a MYSQL cluster to store structured data, including various business data such as borrower information, loan application information, approval results, and repayment records, to ensure persistent storage and efficient query of data. The database storage module is connected to a buffer storage module, which uses Redis cache to store frequently accessed data to improve system performance. The buffer storage module is connected to a file storage module, which uses NAS to store loan image files and contract file unstructured data.

[0041] The security and monitoring module includes a security module, which provides comprehensive protection from multiple aspects including identity authentication, access control, security audit, sensitive information protection and session security, effectively preventing illegal access, data leakage and fraud. The security module is connected to a monitoring module, which monitors and comprehensively manages the platform's operating status in real time, promptly discovers system performance bottlenecks, network failures and application anomalies, and provides timely and accurate alarm information for operation and maintenance personnel, facilitating rapid location and resolution of problems.

[0042] The security module is connected to an identity authentication module, which is bound by the account information and facial information provided by the customer to identify the customer's identity. The identity authentication module is connected to an access control module, which determines permissions through user name, user role, and IP, and adopts the RBAC permission management model. New roles and corresponding menu permissions can be created on the management side to enable users with different permissions to access different functions. The access control module is connected to a security audit module, which records user operation behavior logs / transaction flows in user, institution and permission management, loan approval, and partner maintenance non-query scenarios. The recorded content includes identity, time, terminal device, server, operation, pre-operation data, and post-operation data, which are saved in text and database form, backed up monthly, and saved for 6 months. The security audit module is connected to a sensitive information protection module, which uses the head office technology stack to perform JS security reinforcement to protect the user's personal sensitive information. The sensitive information protection module is connected to a session security module, which ensures session security and prevents security threats such as fixed attacks and replay attacks from occurring in the session.

[0043] The monitoring module is connected to a system monitoring module, which monitors key system indicators such as system operation status, CPU utilization, memory utilization, and file system proportion. When the CPU utilization is higher than 80%, the memory utilization is higher than 80%, and the available storage of the file system is lower than 20%, a text message alarm is sent to the operation and maintenance personnel. At the same time, the visual monitoring terminal of OCMS is deployed to promptly discover and handle abnormal situations. The system monitoring module is connected to a network monitoring module, which monitors traffic through a network management platform. When the line traffic exceeds the threshold (70%), the traffic analysis system is used to check whether it is caused by excessive system traffic to ensure stable network operation. The network monitoring module is connected to an application monitoring module, which is included in the overall planetary cloud performance monitoring to comprehensively monitor application performance.

[0044] Although embodiments of the present invention have been shown and described, it will be appreciated by those skilled in the art that various changes, modifications, substitutions and variations may be made to the embodiments without departing from the principles and spirit of the present invention, and that the scope of the present invention is defined by the appended claims and their equivalents.

Claims

1. The multi-data fusion automobile loan platform includes a business function module, which is characterized by: The business function module, as the core of the platform, integrates various operations closely related to the loan business process, and realizes the full life cycle management from loan application to post-loan management. The business function module is connected to the data interaction and storage module, which is the data hub of the platform and is responsible for exchanging data with internal and external systems and effectively storing and managing various types of data. The data interaction and storage module is connected to the security and monitoring module, which builds a solid security line and a comprehensive monitoring system for the platform; The business function module includes a business partner system module, which establishes an information bridge with partners. The business partner system module is connected to a head office system module, which ensures that the loan business complies with the head office's policies and regulatory requirements by leveraging the head office's powerful resources and standardized processes. The head office system module is connected to an external service platform module, which introduces external professional services, enriches the platform's functions, and enhances the ability to control key links of the loan business. The external service platform module is connected to a micro-bank channel module, which provides customers with a convenient loan application portal and diversified service channels, and realizes efficient interaction between customers and the platform. The micro-bank channel module is connected to a management terminal module, which realizes effective management of platform internal personnel, partners, loan processes and system configurations.

2. The multi-data fusion automobile loan platform according to claim 1, characterized in that: The business partner docking system module is connected to an information receiving function module, which receives the partner's application information, financing information, loan review request and loan image files. The information receiving function module is connected to an information query and push function module, which provides bill query, repayment plan query, and repayment trial calculation services to the partner, and simultaneously pushes loan application and pre-credit results, C3 account opening approval and contract registration results, and loan disbursement result information to the partner. The information query and push function module is connected to a repayment execution and data push function module, which handles normal, overdue and early repayment business, and simultaneously pushes repayment data, repayment plan, repayment customer list, overdue customer list, overdue loan list collection notice and compensation result notification information to the partner.

3. The multi-data fusion automobile loan platform according to claim 1, characterized in that: The module connected to the head office system is connected to a credit access and account opening approval function module, which implements credit access and account opening approval operations for borrowers by calling the head office APOLLO platform. The credit access and account opening approval function module is connected to a credit loan and bill-related function module, which uses the head office APOLLO platform to complete credit loan operations to ensure accurate disbursement of loan funds, while providing bill query, repayment trial calculation, and repayment plan query functions, and maintaining data synchronization with the head office system. The credit loan and bill-related function module is connected to a repayment execution function module, which implements the normal overdue early repayment function and coordinates with the head office system to handle repayment business.

4. The multi-data fusion automobile loan platform according to claim 1, characterized in that: The module for docking with the external service platform is connected to a contract signing function module, which sends a contract signing request and receives a signing result. The contract signing function module is connected to a credit investigation and information authorization function module, which sends a credit investigation and information authorization signing request and receives a signing result. The credit investigation and information authorization function module is connected to a vehicle information verification function module, which calls the vehicle information verification service of the bank-insurance-trust vehicle information to verify the authenticity and legality of the vehicle information. The vehicle information verification function module is connected to a vehicle invoice verification function module, which has the ability to call relevant services of the head office to verify vehicle invoices.

5. The multi-data fusion automobile loan platform according to claim 1, characterized in that: The micro-banking channel module is connected to an information verification function module, which verifies the accepted order information, including application and contract number signature. The information verification function module is connected to a second-category account opening and closing application function module, which processes the customer's second-category account opening application and provides account support for the issuance and management of loan funds. The second-category account opening and closing application function module is connected to an inquiry and repayment function module, which provides bill inquiry application, repayment trial calculation application, and repayment plan inquiry application services, and realizes the repayment execution function at the same time, providing customers with a convenient repayment channel. The inquiry and repayment function module is connected to a loan subject inquiry function module, which allows customers to inquire about loan subject information.

6. The multi-data fusion automobile loan platform according to claim 1, characterized in that: The management end module is connected to a personnel management function module, which performs organization and personnel management, including adding, deleting, modifying and checking internal management users, and allocating roles and permissions. The personnel management function module is connected to a partner management function module, which manages partner status, vehicle models, and financing information, and maintains cooperative relationships. The partner management function module is connected to a system configuration function module, which controls various management parameters, including role and permission management functions, interface address management functions, and report query functions. The system configuration function module is connected to a loan process management function module, which manages the loan process, including loan application management, post-loan overall process query, file management, and loan disbursement review.

7. The multi-data fusion automobile loan platform according to claim 1, characterized in that: The data interaction and storage module includes a data interaction module, which realizes the data flow between the platform and multiple systems including the head office, partners, and external service platforms. The data interaction module is connected to a data storage module, which efficiently stores and manages structured data, unstructured data, and cached data. The structured data includes customer information and loan records, and the unstructured data includes image files and contract documents.

8. The multivariate data fusion automobile loan platform according to claim 7, characterized in that: The data interaction module is connected to the head office interaction interface module, and the head office interaction interface module interacts with the head office personal online loan platform for data related to credit intelligent operations through specific transaction codes and interfaces, including loan application, approval, credit use, repayment trial calculation, and bill inquiry. The head office interaction interface module is connected to the partner and its external system interaction module, and the partner and its external system interaction module interacts with other partners. The data storage module is connected to the database storage module, and the database storage module uses MYSQL cluster to store structured data, including various business data such as borrower information, loan application information, approval results, and repayment records. The database storage module is connected to a buffer storage module, and the buffer storage module uses Redis cache to store frequently accessed data. The buffer storage module is connected to a file storage module, and the file storage module uses NAS to store loan image files and contract file unstructured data.

9. The multi-data fusion automobile loan platform according to claim 1, characterized in that: The security and monitoring module includes a security module, which provides comprehensive protection from multiple aspects such as identity authentication, access control, security audit, sensitive information protection and session security. The security module is connected to a monitoring module, which monitors and comprehensively manages the platform's operating status in real time and promptly discovers system performance bottlenecks, network failures and application anomalies.

10. The multivariate data fusion automobile loan platform according to claim 9, characterized in that: The security module is connected to an identity authentication module, which is bound by the account information and facial information provided by the customer to identify the customer's identity. The identity authentication module is connected to an access control module, which determines the authority by user name, user role, and IP, and adopts the RBAC authority management model. New roles and corresponding menu authorities can be created on the management side to enable users with different authorities to access different functions. The access control module is connected to a security audit module, which records user operation behavior logs / transaction flows in non-query scenarios such as user, institution and authority management, loan approval, and partner maintenance. The recorded content includes identity, time, terminal device, server, operation, pre-operation data, and post-operation data, which are saved in text and database form and backed up monthly. The security audit module is connected to a sensitive information The sensitive information protection module adopts the head office technology stack to perform JS security reinforcement to protect the user's personal sensitive information. The sensitive information protection module is connected to a session security module, which ensures session security and prevents the session from being attacked by fixed attacks and replay attacks. The monitoring module is connected to a system monitoring module, which monitors key system indicators such as system operation status, CPU usage, memory usage, and file system share. At the same time, the visual monitoring end of OCMS is deployed to promptly discover and handle abnormal situations. The system monitoring module is connected to a network monitoring module, which monitors traffic through the network management platform to ensure stable network operation. The network monitoring module is connected to an application monitoring module, which is included in the head office's planetary cloud performance monitoring to comprehensively monitor application performance.

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