Platform shield determination method and related device

Abstract

The invention discloses a platform shield determination method and a related device, and relates to the technical field of financial security. Comprising the steps of determining a target enterprise proposing a target financing loan service, a target bank corresponding to the target financing loan service and a verification link where the target financing loan service is located; and based on the target bank, the target enterprise, the verification link and the target database, determining a target platform shield for promoting the target financing loan business to pass through the verification link. The target database is generated based on the information of the platform shield which is allowed to be used by the enterprise by the bank in each verification link in the financing loan business process. The target enterprise, the target bank and the verification link are accurately matched with the information in the target database, so that the target platform shield which can pass the verification link can be efficiently and accurately determined, and the safety and efficiency of business processing are remarkably improved.

Description

Technical Field

[0001] The present application relates to the field of financial security technology, and in particular to a method for determining a platform shield and related devices. Background Art

[0002] When an enterprise applies for financing loans from financial institutions such as the Agricultural Bank of China and the Construction Bank of China, the number and types of platform shields that each bank allows the enterprise to use as a security verification tool vary due to differences in the degree of trust in the enterprise. At each stage of the financing and loan process, the enterprise needs to provide the corresponding platform shield to complete security authentication according to the specific requirements of the bank. Therefore, how to accurately select the platform shield to ensure that the security verification requirements of a specific bank in a specific business link are met at one time has become one of the technical problems that need to be solved in the field of financial security technology. Summary of the invention

[0003] In order to solve the above problems, the present application discloses a method for determining a platform shield and a related device.

[0004] The embodiments of the present application disclose the following technical solutions:

[0005] The first aspect of the present application discloses a method for determining a platform shield, comprising:

[0006] Determine the target enterprise that proposes the target financing and loan business, the target bank corresponding to the target financing and loan business, and the verification link of the target financing and loan business;

[0007] Based on the target bank, the target enterprise, the verification link and the target database, a target platform shield is determined; the target database is generated based on the information of the platform shield used by the bank and accepted by the enterprise corresponding to each verification link in the financing and loan business process; the target platform shield is used to facilitate the target financing and loan business to pass the verification link.

[0008] In an optional implementation, the method further includes:

[0009] Determine the affiliated enterprises in the target financing loan business that have an affiliated relationship with the target enterprise;

[0010] The determining of the target platform shield based on the target bank, the target enterprise, the verification link and the target database includes:

[0011] The target platform shield is determined based on the verification link, the target enterprise, the associated enterprises, the target bank and the target database.

[0012] In an optional implementation, the determining the target platform shield based on the verification link, the target enterprise, the associated enterprise, the target bank and the target database includes:

[0013] Based on the target bank and the target database, determine N platform shields recognized by the target bank; N is an integer greater than or equal to 1;

[0014] Based on the target enterprise, the associated enterprises and the target database, determining the number of P platform shields owned by the target enterprise and the associated enterprises in total in the verification phase; P is an integer greater than or equal to 1;

[0015] Any platform shield in the intersection of the P platform shields and the N platform shields is used as the target platform shield.

[0016] In an optional implementation, the target database stores a plurality of confirmation tables; each confirmation table indicates the name of the platform shield used by the bank to accept the enterprise; the step of determining the target platform shield based on the verification link, the target enterprise, the associated enterprise, the target bank and the target database includes:

[0017] Determine all confirmation tables corresponding to the target bank stored in the target database as a first confirmation table set;

[0018] Determine all confirmation tables corresponding to the target enterprise and all confirmation tables corresponding to the associated enterprises from the first confirmation table set as a second confirmation table set;

[0019] A platform shield in the verification link is determined from the second confirmation table set as the target platform shield.

[0020] In an optional implementation, the associated enterprises include core associated enterprises that are directly associated with the target enterprise in the target financing loan business, and the enterprise group to which the core associated enterprises belong.

[0021] In an optional implementation, the verification step includes a financing application step, a supervisor review step, or a fund withdrawal step.

[0022] The second aspect of the present application discloses a device for determining a platform shield, comprising:

[0023] A target information determination module, used to determine the target enterprise that proposes the target financing and loan business, the target bank corresponding to the target financing and loan business, and the verification link of the target financing and loan business;

[0024] The first target platform shield determination module is used to determine the target platform shield based on the target bank, the target enterprise, the verification link and the target database; the target database is generated based on the information of the platform shield used by the bank and accepted by the enterprise corresponding to each verification link in the financing and loan business process; the target platform shield is used to ensure that the target financing and loan business passes the verification link.

[0025] In an optional implementation, the device further includes:

[0026] An associated enterprise determination module, used to determine associated enterprises in the target financing loan business that have an associated relationship with the target enterprise;

[0027] The second target platform shield determination module is used to determine the target platform shield based on the verification link, the target enterprise, the associated enterprise, the target bank and the target database.

[0028] A third aspect of the present application provides a computer-readable storage medium having a computer program stored thereon, which, when executed by a processor, implements the steps of the method introduced in any implementation manner of the first aspect.

[0029] A fourth aspect of the present application provides an electronic device, including:

[0030] a memory having a computer program stored thereon;

[0031] A processor is used to execute the computer program in the memory to implement the steps of the method introduced in any implementation manner of the first aspect.

[0032] Compared with the prior art, this application has the following beneficial effects:

[0033] The present application discloses a method for determining a platform shield, including: determining the target enterprise that proposes a target financing and loan business, the target bank corresponding to the target financing and loan business, and the verification link in which the target financing and loan business is located; based on the target bank, the target enterprise, the verification link, and the target database, determining the target platform shield used to facilitate the target financing and loan business to pass the verification link; wherein the target database is generated based on the information of the platform shield corresponding to each verification link in the financing and loan business process and used by the bank to accept the enterprise. In this way, by accurately matching the target enterprise, the target bank, the verification link, and the information in the target database, the efficient and accurate selection of the platform shield required for the verification link of the financing and loan business is achieved; the security and efficiency of business processing are significantly improved, and the verification failures and process delays caused by the mismatch of the platform shield are reduced, thereby reducing the operating costs of the enterprise and enhancing the risk control capabilities in the field of financial security. BRIEF DESCRIPTION OF THE DRAWINGS

[0034] In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings required for use in the embodiments or the description of the prior art will be briefly introduced below. Obviously, the drawings described below are only some embodiments of the present application. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying creative labor.

[0035] Figure 1 A flow chart of a method for determining a platform shield provided in an embodiment of the present application;

[0036] Figure 2 A flowchart of another method for determining a platform shield provided in an embodiment of the present application;

[0037] Figure 3 A schematic diagram of a safety supervision system provided in an embodiment of the present application;

[0038] Figure 4 A schematic diagram of determining whether a verification step has been passed provided in an embodiment of the present application;

[0039] Figure 5 A schematic diagram of the structure of a device for determining a platform shield provided in an embodiment of the present application. DETAILED DESCRIPTION

[0040] When an enterprise makes a request for financing and loan business from a bank such as ABC or CCB, due to the different levels of trust in the same enterprise by different banks, the number and types of platform shields that banks allow enterprises to use as security verification tools are different. In order to successfully obtain financing and loans from banks, enterprises need to provide corresponding platform shields to complete security verification according to bank requirements in each verification link of financing and loan business. How to choose a suitable platform shield to complete the security verification of a specific link specified by a specific bank at one time has become one of the technical problems that need to be solved in the field of financial security technology.

[0041] In order to solve the above problems, the present application discloses a method for determining a platform shield, including: determining the target enterprise that proposes the target financing and loan business, the target bank corresponding to the target financing and loan business, and the verification link in which the target financing and loan business is located; based on the target bank, target enterprise, verification link and target database, determining the target platform shield used to facilitate the target financing and loan business to pass the verification link; wherein the target database is generated based on the information of the platform shield corresponding to each verification link in the financing and loan business process and used by the bank to accept the enterprise. By accurately matching the target enterprise, target bank, verification link and the information in the target database, the efficient and accurate selection of the platform shield required for the verification link of the financing and loan business is achieved; it can significantly improve the security and efficiency of business processing, reduce verification failures and process delays caused by platform shield mismatch, thereby reducing enterprise operating costs and enhancing risk control capabilities in the field of financial security.

[0042] 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 drawings in the embodiments of the present application. Obviously, the described embodiments are only part of the embodiments of the present application, not all of the embodiments. Based on the embodiments in the present application, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of this application.

[0043] Figure 1 A flow chart of a method for determining a platform shield provided in an embodiment of the present application. Figure 1 As shown, the method for determining the platform shield disclosed in the present application includes:

[0044] S101, determining the target enterprise that proposes the target financing and loan business, the target bank corresponding to the target financing and loan business, and the verification link of the target financing and loan business.

[0045] The target financing and loan business in this application can be a financing and loan business that the target enterprise directly proposes to the target bank, or it can be a financing and loan business that the target enterprise proposes to the target bank through a third-party security supervision platform.

[0046] Target financing loan businesses include but are not limited to: debt loans, credit loans, mortgage loans, secured loans, factoring financing, supply chain financing, project loans, trade financing, bill discounting and other businesses.

[0047] The target financing loan business has multiple business links, including but not limited to the financing application link, the supervisor review link or the fund withdrawal link, etc. The security requirements of different verification links are different. For example, the security verification requirements of the financing application link are lower than those of the supervisor review link, and the security verification requirements of the supervisor review link are lower than those of the fund withdrawal link.

[0048] It is understandable that the target bank in this application is the bank that provides the target financing loan business. For example, if the target enterprise A proposes a target financing loan business to China Construction Bank, then China Construction Bank is the target bank.

[0049] S102, determining a target platform shield based on the target bank, the target enterprise, the verification link and the target database.

[0050] The platform shield in this application refers to the digital certificate issued by the bank and / or the third-party security supervision platform to the enterprise user for security verification of the identity of the enterprise user when handling financing and loan business.

[0051] It is understandable that each enterprise can have business dealings with multiple banks and multiple third-party regulatory platforms, and each enterprise can have platform shields issued by different banks, as well as multiple platform shields issued by third-party security regulatory platforms for different financial businesses. For example, Enterprise A can have platform shields issued by the Agricultural Bank of China, platform shields issued by China Construction Bank, and platform shields such as Shangyin Shield and Rongtong Shield issued by third-party regulatory platform C.

[0052] Different banks have different levels of trust in the same enterprise, resulting in different numbers and types of platform shields that banks allow enterprises to use as security verification tools.

[0053] For example, Enterprise A and Enterprise B apply for the same financing and loan business from China Construction Bank at the same time. China Construction Bank assigns different trust levels to Enterprise A and Enterprise B based on the historical records of Enterprise A and Enterprise B stored in Construction Bank. In the same verification link of the same financing and loan business, the number and type of platform shields that China Construction Bank allows Enterprise A to use as security verification are different from the number and type of platform shields that China Construction Bank allows Enterprise B to use as security verification. For example, if China Construction Bank's trust in Enterprise A is higher than its trust in Enterprise B, then in the supervisor review link of the financing and loan business, China Construction Bank accepts Enterprise A to use any of its own Agricultural Bank Shield, Construction Bank Shield, Commercial Bank Shield and Rongtong Shield to complete security verification; but China Construction Bank only accepts Enterprise B to use its own Construction Bank Shield to complete security authentication.

[0054] The target database in this application is generated based on the information of the platform shield corresponding to each verification link in the financing and loan business process and accepted by the bank for use by enterprises.

[0055] In an optional implementation method, through online research and offline visits, information on the recognized platform shields given by each bank to each enterprise in each verification link in the financing and loan business process is obtained to build a target database.

[0056] After determining the target enterprise that proposes the target financing and loan business, the target bank corresponding to the target financing and loan business, the verification link and target database where the target financing and loan business is located, the N1 platform shields recognized by the target bank can be determined based on the target bank and the target database (N1 is an integer greater than or equal to 1); based on the target enterprise and the target database, the N2 platform shields (N2 is an integer greater than or equal to 1) owned by the target enterprise and affiliated enterprises in the verification link can be determined; any platform shield in the intersection of the N1 platform shields and the N2 platform shields can be used as the target platform shield.

[0057] In another optional implementation method, after obtaining the information of the recognized platform shield given by each bank to each enterprise in each verification link in the financing and loan business process through online research and offline visits, each piece of information obtained can be used to construct multiple confirmation tables (also called database tables) with the bank as the main dimension and the target enterprise and / or verification link as the sub-dimension; the database storing multiple confirmation tables is used as the target database.

[0058] After determining the target enterprise that proposes the target financing and loan business, the target bank corresponding to the target financing and loan business, and the verification link and target database where the target financing and loan business is located, all confirmation forms corresponding to the target bank stored in the target database can be screened out (that is, all confirmation forms related to the target bank); from all confirmation forms corresponding to the target bank, all confirmation forms corresponding to the target enterprise (all confirmation forms related to the target enterprise) can be determined; and then from all confirmation forms corresponding to the target enterprise, the platform shield in the verification link can be determined as the target platform shield.

[0059] It is understandable that some financing and loan businesses, such as debt mortgage loan business and secured loan business, not only involve target enterprises and target banks, but also involve affiliated enterprises.

[0060] The affiliated enterprises in this application refer to enterprises that are associated with the target enterprise in the target financing and loan business. Among them, the affiliated enterprises include core affiliated enterprises that are directly associated with the target enterprise in the target financing and loan business, and the enterprise group to which the core affiliated enterprises belong.

[0061] In this application, multiple companies that jointly develop the same product are referred to as affiliated companies; multiple companies that jointly build based on business are also referred to as affiliated companies.

[0062] Company A and Company B cooperate to develop Product E. In order to promote the development of Product E as soon as possible, Company A directly proposes a target financing loan to the target bank, or proposes a target financing loan business to the target bank through a third-party supervision platform. Company B is the joint and severally liable party. At this time, Company A has multiple platform shields, and Company B has multiple platform shields; the target bank allows Company A to use different platform shields in different verification links; the target bank allows Company B to use different platform shields in different verification links. It is very important to accurately select the platform shield to ensure that the security verification requirements of a specific bank in a specific business link are met at one time, and to improve the security and efficiency of business processing.

[0063] Figure 2 A flowchart of another method for determining a platform shield provided in an embodiment of the present application. Figure 2 As shown, another method for determining a platform shield provided by the present application includes:

[0064] S201, determining the target enterprise that proposes the target financing and loan business, the target bank corresponding to the target financing and loan business, and the verification link of the target financing and loan business.

[0065] This step refers to the content of S101 and will not be repeated here.

[0066] S202, determining the associated enterprises in the target financing loan business that have an associated relationship with the target enterprise.

[0067] For the related contents of the associated enterprises, please refer to the introduction of the aforementioned embodiment and will not be repeated here.

[0068] S203, determining the target platform shield based on the verification link, the target enterprise, the associated enterprises, the target bank and the target database.

[0069] The above-mentioned embodiment introduces the method of constructing the target database, which will not be repeated here.

[0070] If the target database stores the original data of the platform shield approved by each bank for each enterprise in each verification link in the financing and loan business process, the target platform shield can be determined in the following ways after determining the verification link, target enterprise, affiliated enterprise, target bank and target database. Specifically:

[0071] Based on the target bank and the target database, determine the N platform shields (N is an integer greater than or equal to 1) recognized by the target bank; based on the target enterprise, affiliated enterprises and the target database, determine the P platform shields (P is an integer greater than or equal to 1) owned by the target enterprise and affiliated enterprises in the verification link; any platform shield in the intersection of P platform shields and N platform shields is used as the target platform shield.

[0072] If the target database stores multiple confirmation tables mentioned in S102, the process of determining the target platform shield based on the verification link, target enterprise, affiliated enterprises, target bank and target database is as follows: determine all confirmation tables corresponding to the target bank stored in the target database (all confirmation tables related to the target bank) as the first confirmation table set; determine all confirmation tables corresponding to the target enterprise (all confirmation tables related to the target enterprise) and all confirmation tables corresponding to the affiliated enterprises (all confirmation tables related to the affiliated enterprises) from the first confirmation table set as the second confirmation table set; determine the platform shield in the verification link from the second confirmation table set as the target platform shield.

[0073] It can be understood that the method for determining the platform shield disclosed in the present application can be applied to the security supervision system of a third party. Figure 3 A schematic diagram of a safety supervision system provided in an embodiment of the present application. Figure 3 As shown, the security supervision system disclosed in this application includes an interaction layer, a core module, a verification module and a database. The interaction layer includes a platform end and an enterprise end; the platform end refers to the background of the security supervision system; the enterprise end refers to the platform or website operated by the customer. The core module includes the dimension configuration unit and the platform shield configuration unit involved in the platform end; as well as multiple units such as products, cooperation platforms, core enterprise combinations, link combinations (verification link combinations), bank combinations and financing enterprise combinations involved in the enterprise end.

[0074] Figure 3 The dimension configuration unit in is used to store the information collected about the number and type of platform shields received by each bank for each enterprise in different links of the financing and loan business. The platform shield configuration module is used to store the collected information about the platform shields owned by each enterprise. These data can be generated into multiple confirmation tables with bank category as the main dimension and enterprise and verification link as the subdivision dimension, and stored in the database.

[0075] Figure 3 The enterprise side of the security supervision system shown in supports 6 combinations, namely product (combination), cooperation platform (combination), core enterprise combination, link combination (verification link combination), bank combination and financing enterprise combination. Through the configuration of the combination, the specific application scenario corresponding to the combination can be determined.

[0076] Figure 3 The verification module in the database can be based on the information in the confirmation table stored in the database and the relevant information entered by the enterprise. Figure 1 and Figure 2 Determine the target platform shield as described in the method.

[0077] Figure 4A schematic diagram of determining whether a verification step has been passed is provided in an embodiment of the present application. Figure 4 As shown, the process is divided into platform-side work and enterprise-side work.

[0078] After obtaining the information of the platform shield of each enterprise accepted by each bank in different links of the financing and loan business, the platform side performs the following operations, specifically: determine the verification link of the target financing and loan business, that is, the verification link; determine the target bank, that is, verify the investor; determine the group where the core affiliated enterprises directly related to the target enterprise in the target financing and loan business are located, that is, verify the cooperation platform; verify the core affiliated enterprises directly related to the target enterprise in the target financing and loan business, that is, verify the core enterprise; finally verify the target enterprise, that is, verify the enterprise; according to the above dimensions, create a confirmation table, that is, configure the list of platform shields that can be used, and store it in the database. That is, according to the specific usage scenario, the platform side takes the bank as the main dimension to obtain the corresponding platform shield list for each bank; at the same time, with other dimensions, such as verification link, target enterprise, affiliated enterprise, etc. as subdivision dimensions, it involves a more detailed platform shield list; associate the two and store them uniformly.

[0079] After the target user enters relevant information on the platform side of the third-party security supervision system, that is, the verification link, target bank information, related party information and target bank information, the enterprise side performs the following operations, specifically: determine the verification link of the target financing and loan business; use the base layer to determine the platform shield function; read the configured platform shield list in the database; read all platform shields that can be used; match all platform shields and platform shield lists owned by the target enterprise and related enterprises to obtain the target platform shield; use the platform shield for verification to determine whether it has successfully passed the verification link. That is, the user side searches for the configuration data that satisfies the maximum match based on different usage scenarios and dimensions (bank, verification link, target enterprise and related enterprises), and then converts the configured data into the type of platform shield currently supported.

[0080] It should be noted that Figure 3 The use entrance of the platform shield on the enterprise side in the security supervision system is unified, that is, the platform shield confirmation method disclosed in the aforementioned embodiment is abstracted to the Base layer, and a unified query configuration application interface is used to query and feedback the supported platform shield types to determine the target platform shield; through the unified maintenance method, the maintenance cost is reduced and the maintenance efficiency is improved.

[0081] It can be understood that the method for determining the platform shield in the present application can generate a platform shield type for facilitating the target financing and loan business to pass the security verification smoothly in the verification link of a specific financing and loan business for different financial institutions, different cooperation platforms (enterprise groups), and different core enterprises without modifying the program code, that is, determining the target platform shield; it can significantly improve the security and efficiency of business processing, reduce verification failures and process delays caused by platform shield mismatches, reduce enterprise operating costs, and enhance risk control capabilities in the field of financial security.

[0082] Based on the platform shield determination method provided in the aforementioned embodiment, the present application also discloses a platform shield determination device. Figure 5 A schematic diagram of a structure of a device for determining a platform shield provided in an embodiment of the present application. Figure 5 As shown, the platform shield determination device 500 disclosed in the present application includes:

[0083] The target information determination module 501 is used to determine the target enterprise that proposes the target financing and loan business, the target bank corresponding to the target financing and loan business, and the verification link of the target financing and loan business;

[0084] The first target platform shield determination module 502 is used to determine the target platform shield based on the target bank, the target enterprise, the verification link and the target database; the target database is generated based on the information of the platform shield used by the bank and accepted by the enterprise corresponding to each verification link in the financing and loan business process; the target platform shield is used to ensure that the target financing and loan business passes the verification link.

[0085] In an optional implementation, the platform shield determination device 500 further includes:

[0086] An associated enterprise determination module, used to determine associated enterprises in the target financing loan business that have an associated relationship with the target enterprise;

[0087] The second target platform shield determination module is used to determine the target platform shield based on the verification link, the target enterprise, the associated enterprise, the target bank and the target database.

[0088] In an optional implementation, the second target platform shield determination module includes:

[0089] A first set determination unit, configured to determine N platform shields recognized by the target bank based on the target bank and the target database; wherein N is an integer greater than or equal to 1;

[0090] A second set determination unit is used to determine, based on the target enterprise, the associated enterprise and the target database, a total of P platform shields owned by the target enterprise and the associated enterprise in the verification phase; P is an integer greater than or equal to 1;

[0091] The first target platform shield determining unit is configured to use any one platform shield in the intersection of the P platform shields and the N platform shields as the target platform shield.

[0092] In an optional implementation, the second target platform shield determination module includes:

[0093] A third set determination unit, configured to determine all confirmation tables corresponding to the target bank stored in the target database as a first confirmation table set;

[0094] a fourth set determining unit, configured to determine, from the first confirmation table set, all confirmation tables corresponding to the target enterprise and all confirmation tables corresponding to the associated enterprises as a second confirmation table set;

[0095] The second target platform shield determination unit is used to determine the platform shield in the verification link from the second confirmation table set as the target platform shield.

[0096] Based on the platform shield determination method and device provided in the aforementioned embodiments, accordingly, the present application also provides a computer-readable storage medium on which a computer program is stored, which, when executed by a processor, implements some or all of the steps in the platform shield determination method mentioned above.

[0097] Based on the platform shield determination method and device provided in the above embodiments, the present application further provides an electronic device, including:

[0098] a memory having a computer program stored thereon;

[0099] The processor is used to execute the computer program in the memory to implement part or all of the steps in the method for determining the platform shield provided in the above embodiment.

[0100] It should be noted that each embodiment in this specification is described in a progressive manner, and each embodiment focuses on the differences from other embodiments. In particular, for the device embodiment, since it is basically similar to the method embodiment, the description is relatively simple, and the relevant parts refer to the partial description of the method embodiment. The device embodiment described above is merely schematic, in which the units described as separate components may or may not be physically separated, and the components indicated as units may or may not be physical units, that is, they may be located in one place, or they may be distributed on multiple network units. Some or all of the modules may be selected according to actual needs to achieve the purpose of the scheme of this embodiment. A person of ordinary skill in the art can understand and implement it without paying creative labor.

[0101] The above is only a specific implementation of the present application, but the protection scope of the present application is not limited thereto. Any changes or substitutions that can be easily thought of by a person skilled in the art within the technical scope disclosed in the present application should be included in the protection scope of the present application. Therefore, the protection scope of the present application should be based on the protection scope of the claims.

Claims

1. A method for determining a platform shield, characterized in that: The method comprises: Determine the target enterprise that proposes the target financing and loan business, the target bank corresponding to the target financing and loan business, and the verification link of the target financing and loan business; Based on the target bank, the target enterprise, the verification link and the target database, a target platform shield is determined; the target database is generated based on the information of the platform shield used by the bank and accepted by the enterprise corresponding to each verification link in the financing and loan business process; the target platform shield is used to facilitate the target financing and loan business to pass the verification link.

2. The method according to claim 1, characterized in that The method further comprises: Determine the affiliated enterprises in the target financing loan business that have an affiliated relationship with the target enterprise; The determining of the target platform shield based on the target bank, the target enterprise, the verification link and the target database includes: The target platform shield is determined based on the verification link, the target enterprise, the associated enterprises, the target bank and the target database.

3. The method according to claim 2, characterized in that The step of determining the target platform shield based on the verification link, the target enterprise, the associated enterprise, the target bank and the target database includes: Based on the target bank and the target database, determine N platform shields recognized by the target bank; N is an integer greater than or equal to 1; Based on the target enterprise, the associated enterprises and the target database, determining the number of P platform shields owned by the target enterprise and the associated enterprises in total in the verification phase; P is an integer greater than or equal to 1; Any platform shield in the intersection of the P platform shields and the N platform shields is used as the target platform shield.

4. The method according to claim 2, characterized in that: The target database stores a plurality of confirmation forms; each confirmation form indicates that the bank accepts the platform shield used by the enterprise; the target platform shield is determined based on the verification link, the target enterprise, the associated enterprise, the target bank and the target database, including: Determine all confirmation tables corresponding to the target bank stored in the target database as a first confirmation table set; Determine all confirmation tables corresponding to the target enterprise and all confirmation tables corresponding to the associated enterprises from the first confirmation table set as a second confirmation table set; A platform shield in the verification link is determined from the second confirmation table set as the target platform shield.

5. The method according to any one of claims 2 to 4, characterized in that: The affiliated enterprises include the core affiliated enterprises that are directly related to the target enterprise in the target financing loan business, and the enterprise group to which the core affiliated enterprises belong.

6. The method according to any one of claims 1 to 4, characterized in that The verification process includes the financing application process, the supervisor review process or the fund withdrawal process.

7. A device for determining a platform shield, characterized in that: The device comprises: A target information determination module, used to determine the target enterprise that proposes the target financing and loan business, the target bank corresponding to the target financing and loan business, and the verification link of the target financing and loan business; The first target platform shield determination module is used to determine the target platform shield based on the target bank, the target enterprise, the verification link and the target database; the target database is generated based on the information of the platform shield used by the bank and accepted by the enterprise corresponding to each verification link in the financing and loan business process; the target platform shield is used to facilitate the target financing and loan business to pass the verification link.

8. The device according to claim 7, characterized in that The device also includes: An associated enterprise determination module, used to determine associated enterprises in the target financing loan business that have an associated relationship with the target enterprise; The second target platform shield determination module is used to determine the target platform shield based on the verification link, the target enterprise, the associated enterprise, the target bank and the target database.

9. A computer-readable storage medium having a computer program stored thereon, characterized in that: When the program is executed by a processor, the steps of the method described in any one of claims 1 to 6 are implemented.

10. An electronic device, characterized in that: include: a memory having a computer program stored thereon; A processor, configured to execute the computer program in the memory to implement the steps of the method according to any one of claims 1 to 6.

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