Financial data processing method and device, equipment and storage medium

Abstract

The invention relates to the technical field of finance and information processing, and discloses a financial data processing method and device, equipment and a storage medium, and the method comprises the steps: carrying out the query according to a request item and a license plate number, and determining a transaction type; during online handling, client materials, agent materials and system materials are automatically generated; client material transmission and signing are completed through interaction with the client; agent material transmission and signing are completed through interaction with the agent end; the client side completes client material signing, and after the agent side completes agent material signing, auditing material transmission and auditing are completed through interaction with the auditing side; and after the auditing end audits the auditing material, the process is completed. The method realizes online vehicle mortgage / demortgage handling, reduces offline mortgage / demortgage material preparation and mailing, and is time-saving and efficient.

Description

Technical Field

[0001] The present invention relates to the field of finance and information processing technology, and in particular to a method, apparatus, device and storage medium for processing financial data. Background Art

[0002] Vehicle mortgage refers to a method of securing a loan from a mortgagee by using their vehicle as collateral. Vehicle release refers to the removal of the mortgage on a vehicle after the loan has been fully repaid.

[0003] In the prior art, when a vehicle finance leasing company initiates a lease, the mortgagor must pledge the vehicle to the company within a specified timeframe. Since the vehicle is not licensed at the time of signing the lease, the mortgage cannot be processed. The agent must wait until the vehicle is licensed before contacting the mortgagor and having them cooperate with a local professional agency to complete the mortgage procedures. When the vehicle lease expires and the rent is paid, the mortgagor must complete the mortgage release procedures at a local professional agency. Once the vehicle is released from the mortgage, the mortgagor acquires ownership of the vehicle.

[0004] The mortgage / unmortgage process typically requires extensive documentation. Once these documents are prepared, the mortgagor and their agent must proceed to a specialized institution to complete the process. This process can be time-consuming and labor-intensive, and sometimes the mortgagor cannot promptly cooperate for various reasons. This can lead to inefficient or even delayed processing, impacting the operations of vehicle financial leasing companies.

[0005] Therefore, it is very important for vehicle financial leasing companies to simplify the vehicle mortgage / release procedures and improve the time efficiency of vehicle mortgage / release procedures. Summary of the Invention

[0006] The present invention provides a method, device, equipment, and storage medium for processing financial data, and proposes a complete online process for handling vehicle mortgages and releases for vehicle financial leasing. Once the process begins, the customer provides customer documents for signature, the agent provides agent documents for signature, and the review materials are provided to a professional institution for review. This allows for online vehicle mortgage and release procedures, reducing the need for offline preparation and mailing of mortgage and release documents, resulting in time-saving and high-efficiency processing.

[0007] In a first aspect, a method for processing financial data is provided, the method comprising:

[0008] Obtain the requested item and license plate number, determine the location based on the license plate number, and determine the processing type based on the requested item and location based on the regional maintenance table; wherein the requested item is a request for mortgage or a request for release of mortgage;

[0009] If the application type is online, the project template is retrieved from the template library based on the location and requested project. Project templates include customer templates, agent templates, and system templates.

[0010] Retrieve order information from the order database based on the license plate number, retrieve agent information from the agent maintenance table based on the location and request item, and generate customer materials, agent materials, and system materials based on the order information, agent information, customer templates, agent templates, and system templates;

[0011] Transmitting the client's materials to the client corresponding to the license plate number for signature, and transmitting the agent's materials to the agent's end corresponding to the agent information for signature. In response to the client and agent's end signing, generating review materials based on the signed client's materials, the signed agent's materials, and the system materials;

[0012] The audit materials are transmitted to the audit end corresponding to the place of origin for review. If the audit end approves the review, the project is completed.

[0013] In a second aspect, a financial data processing device is provided, the device comprising:

[0014] a type determination unit, configured to obtain the requested item and the license plate number, determine the location based on the license plate number, and determine the processing type based on the requested item and the location based on the regional maintenance table; wherein the requested item is a request for mortgage or a request for release of mortgage;

[0015] A template retrieval unit is used to retrieve a project template from a template library based on the location and requested project if the processing type is online processing; the project templates include customer templates, agent templates, and system templates;

[0016] The electronic signature material generation unit is used to retrieve order information from the order database based on the license plate number, retrieve agent information from the agent maintenance table based on the location and request item, and generate customer materials, agent materials, and system materials based on the order information, agent information, customer template, agent template, and system template;

[0017] A transmission unit, configured to transmit the client's materials to the client corresponding to the license plate number for signature, transmit the agent's materials to the agent's side corresponding to the agent's information for signature, and receive the client's materials signed by the client and the agent's materials signed by the agent's side;

[0018] An audit material generation unit is used to generate audit materials based on signed customer materials, signed agent materials and system materials;

[0019] The transmission unit is also used to transmit the audit materials to the audit end corresponding to the place of origin for review, and receive the results of the review passed by the audit end.

[0020] In a third aspect, a computer device is provided, comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor implements the steps of the above-mentioned method for processing financial data when executing the computer program.

[0021] In a fourth aspect, a computer-readable storage medium is provided, wherein the computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, the steps of the above-mentioned method for processing financial data are implemented.

[0022] In the solution implemented by the above-mentioned financial data processing method, device, equipment and storage medium, the request item and license plate number are obtained, the place of origin is determined according to the license plate number, and the processing type is determined based on the regional maintenance table according to the request item and the place of origin; wherein the request item is a request for mortgage, or the request item is a request for release of mortgage; if the processing type is online processing, the project template is retrieved from the template library according to the place of origin and the request item; wherein the project template includes a customer template, an agent template and a system template; the order information is retrieved from the order library according to the license plate number, and the agent information is retrieved from the agent maintenance table according to the place of origin and the request item, and customer materials, agent materials and system materials are generated according to the order information, agent information, customer template, agent template and system template; the customer materials are transmitted to the client corresponding to the license plate number for signature, and the agent materials are transmitted to the agent end corresponding to the agent information for signature. In response to the client and agent end signing, review materials are generated based on the signed customer materials, signed agent materials and system materials; the review materials are transmitted to the review end corresponding to the place of origin for review, and in response to the review end passing the review, the project processing is completed.

[0023] In this invention, the server queries the requested item and license plate number to determine the processing type. When processing online, the server automatically generates client documents, agent documents, and system documents. The server interacts with the client to transmit and sign the client documents. The server interacts with the agent to transmit and sign the agent documents. After the client and the agent sign the agent documents, the server interacts with the reviewer to transmit and review the review documents. Once the reviewer approves the review documents, the process is complete. This enables online vehicle mortgage and release procedures, reducing the need for offline preparation and mailing of mortgage and release documents, saving time and efficiency. BRIEF DESCRIPTION OF THE DRAWINGS

[0024] In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the following briefly introduces the drawings required for use in the description of the embodiments of the present invention. Obviously, the drawings described below are only some embodiments of the present invention. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying any creative labor.

[0025] Figure 1 This is a schematic diagram of an application environment of a method for processing financial data in one embodiment of the present invention;

[0026] Figure 2 is a flowchart of a method for processing financial data in one embodiment of the present invention;

[0027] Figure 3 is a flow chart of a method for processing financial data in another embodiment of the present invention;

[0028] Figure 4 is a schematic structural diagram of a financial data processing device according to an embodiment of the present invention;

[0029] Figure 5 It is a structural diagram of a computer device in one embodiment of the present invention. DETAILED DESCRIPTION

[0030] The following will clearly and completely describe the technical solutions in the embodiments of the present invention in conjunction with the accompanying drawings. Obviously, the described embodiments are only part of the embodiments of the present invention, not all of them. All other embodiments obtained by ordinary technicians in this field based on the embodiments of the present invention without making any creative efforts shall fall within the scope of protection of the present invention.

[0031] The financial data processing method provided by the embodiment of the present invention can be applied in the following fields: Figure 1 In the application environment, the server communicates with the client, agent and reviewer through the network respectively.

[0032] The client is used to indicate the vehicle mortgagor, who is the client. A financial leasing relationship is established between the client and the vehicle finance leasing company upon the vehicle's lease. The client can be, but is not limited to, a personal computer, laptop, smartphone, tablet, portable wearable device, or other device with a display and input device. The client receives customer documents through the client, signs them, and then sends the results back to the server.

[0033] The agent terminal is used to instruct employees at the vehicle finance leasing company. Agent terminals can include, but are not limited to, personal computers, laptops, smartphones, tablets, portable wearable devices, and other devices with displays and input devices. Agents can use the agent terminal to receive agent documents, sign them, and then send the results back to the server.

[0034] The "audit end" designates the official entity with audit authority. This entity can be a professional institution such as the Vehicle Administration Office. This professional institution establishes an approval relationship with the vehicle finance leasing company. The audit end can include, but is not limited to, personal computers, laptops, smartphones, tablets, portable wearable devices, and other devices with displays and input devices. Professional institutions can receive audit materials through the audit end, review them, and then provide feedback to the service end.

[0035] The server side can be implemented using a standalone server or a service platform comprised of multiple servers. Vehicle financial leasing companies can process financial data on the server side using a financial data processing device. This device can include a type determination unit, a template retrieval unit, a unit for generating electronic signature documents, a unit for generating audit documents, and a transmission unit. The device can also include multiple configuration units and a database.

[0036] The server obtains the requested item and license plate number, determines the place of origin based on the license plate number, and determines the processing type based on the requested item and the place of origin based on the regional maintenance table; wherein, the requested item is a request for mortgage, or the requested item is a request for release of mortgage; if the processing type is online processing, the project template is retrieved from the template library according to the place of origin and the requested item; wherein, the project template includes customer template, agent template and system template; the order information is retrieved from the order library according to the license plate number, and the agent information is retrieved from the agent maintenance table according to the place of origin and the requested item, and customer materials, agent materials and system materials are generated according to the order information, agent information, customer template, agent template and system template; the customer materials are transmitted to the client corresponding to the license plate number for signature, and the agent materials are transmitted to the agent end corresponding to the agent information for signature, in response to the client and agent end signing, the review materials are generated according to the signed customer materials, signed agent materials and system materials; the review materials are transmitted to the review end corresponding to the place of origin for review, and in response to the review end passing the review, the project processing is completed.

[0037] In the present invention, the server queries and determines the processing type based on the requested item and license plate number; when processing online, the server automatically generates customer materials, agent materials, and system materials; the server interacts with the client to complete the transmission and signing of customer materials; the server interacts with the agent to complete the transmission and signing of agent materials; after the client completes the signing of customer materials and the agent completes the signing of agent materials, the server interacts with the review end to complete the transmission and review of review materials; after the review end reviews and approves the review materials, the process is completed. The financial leasing company automatically generates customer materials, agent materials, and system materials. The client on the client side only needs to sign the customer materials, and the agent on the agent side only needs to sign the agent materials, thereby avoiding omissions or errors when the client or agent collects or fills in materials, which is time-consuming and labor-intensive. The financial leasing company automatically generates review materials and provides them to the professional institution on the review end for review, realizing online vehicle mortgage / release procedures, reducing offline mortgage / release material preparation and mailing, saving time and efficiency.

[0038] The present invention is described in detail below through specific examples.

[0039] See also Figure 2 As shown, Figure 2 A flowchart of a method for processing financial data provided by an embodiment of the present invention. The method includes the following steps:

[0040] Step S210: Obtain the requested item and the license plate number, determine the location based on the license plate number, and determine the processing type based on the regional maintenance table according to the requested item and the location; wherein the requested item is a request for mortgage, or the requested item is a request for release of mortgage.

[0041] This embodiment first determines the type of transaction, which can be implemented by the type determination unit of the financial data processing device on the server side.

[0042] The type determination unit triggers the financial data processing flow based on the request item and license plate number. When the financial data processing flow is triggered by a client, the request item and license plate number can be transmitted to the type determination unit by the client. When the financial data processing flow is triggered by an agent, the request item and license plate number can be transmitted to the type determination unit by the agent.

[0043] After the type determination unit obtains the license plate number, the vehicle's location can be determined based on the license plate number. The type determination unit can identify the first two digits of the license plate number to determine which region (city) the vehicle belongs to.

[0044] After the type determination unit obtains the request item, it determines whether the request item is a request for mortgage or a request for release of mortgage.

[0045] The type determination unit then determines the processing type based on the requested item and the location, based on the pre-configured and stored regional maintenance table. The processing type can include online processing and offline processing.

[0046] The region maintenance table may store the correspondence between the region, whether the mortgage project can be processed online, and whether the mortgage release project can be processed online.

[0047] Step S220: If the processing type is online processing, a project template is retrieved from the template library according to the location and the requested project; wherein the project template includes a customer template, an agent template, and a system template.

[0048] This embodiment then calls the project template. This step can be implemented by the template calling unit of the financial data processing device on the server side.

[0049] When the type judgment unit determines that the processing type is online processing, the request item, license plate number, place of origin, etc. can be passed to the template retrieval unit.

[0050] The template retrieval unit retrieves the corresponding project template based on the pre-configured and stored template library according to the requested project and license plate number.

[0051] The template library can store multiple project templates corresponding to regions and project categories.

[0052] Project templates include client templates, which are templates used to generate client documents transmitted to the client for signature. Project templates also include agent templates, which are templates used to generate agent documents transmitted to the agent for signature. Project templates also include system templates, which are templates used to generate system documents that require neither client nor agent signatures.

[0053] Step S230, retrieve order information from the order database according to the license plate number, retrieve agent information from the agent maintenance table according to the place of origin and request item, and generate customer materials, agent materials and system materials based on the order information, agent information, customer template, agent template and system template.

[0054] This embodiment then generates electronic signature materials. This step can be implemented by the electronic signature material generation unit of the financial data processing device on the server side.

[0055] After the template retrieval unit retrieves the project template, it can pass the requested project, license plate number, place of origin, customer template, agent template, and system template to the electronic signature material generation unit.

[0056] The electronic signature material generation unit generates customer materials, agent materials and system materials based on the customer template, agent template and system template, based on the pre-configured and stored order library and agent maintenance table.

[0057] The order database may store the lease content and lease contract corresponding to the license plate information.

[0058] The agent maintenance table may store correspondence between agent information of project categories corresponding to regions.

[0059] When the electronic signature material generation unit generates customer materials, agent materials and system materials, the key contents of the order information and agent information can be filled into the customer template, agent template and system template accordingly.

[0060] Step S240, the customer materials are transmitted to the client corresponding to the license plate number for signature, and the agent materials are transmitted to the agent end corresponding to the agent information for signature. In response to the client and agent end signing, the review materials are generated based on the signed customer materials, the signed agent materials and the system materials.

[0061] This embodiment continues to interact with the client and agent side and generates audit materials. This step can be implemented by the transmission unit and audit material generation unit of the financial data processing device of the server side.

[0062] After the electronic signature material generation unit generates the electronic signature material, it can pass the customer material and license plate number to the transmission unit, so that the transmission unit determines the corresponding client according to the license plate number and transmits the customer material to the client.

[0063] After the electronic signature material generating unit generates the electronic signature material, it can pass the agent material and agent information to the transmission unit, so that the transmission unit determines the corresponding agent terminal according to the agent information and transmits the agent material to the agent terminal.

[0064] After the electronic signature material generating unit generates the electronic signature material, the system material and the like can be transferred to the review material generating unit.

[0065] After the client of the client terminal signs the client materials, the result is sent back to the transmission unit, and the transmission unit passes the signed client materials to the review material generation unit.

[0066] After the agent on the agent side signs the agent materials, the result is returned to the transmission unit, and the transmission unit passes the signed agent materials to the review material generation unit.

[0067] The audit materials generation unit generates audit materials based on signed client materials, signed agent materials, and system materials. Client materials are documents provided to the client for signature, and therefore primarily include client authorization documents requiring confirmation. Agent materials are documents provided to the agent for signature, and therefore primarily include agent authorization documents requiring confirmation. Audit materials are documents provided to the professional institution on the audit side for review, and therefore must also include system certification documents for review by the professional institution.

[0068] Step S250: The audit materials are transmitted to the audit terminal corresponding to the home location for review. In response to the audit terminal's approval, the project processing is completed.

[0069] This embodiment finally interacts with the audit end. This step can be implemented by the transmission unit of the financial data processing device of the service end.

[0070] After the audit material generating unit generates the audit materials, it can pass the location, audit materials, etc. to the transmission unit, so that the transmission unit determines the corresponding audit end according to the location and transmits the audit materials to the audit end.

[0071] After the professional organization on the audit side has reviewed and approved the audit materials, it will send the audit result back to the transmission unit.

[0072] The transmission unit can notify the client and agent to complete the project processing based on the review results.

[0073] Depend on Figure 2 As can be seen from the method shown, the financial data processing method proposed by the present invention obtains the request item and license plate number, determines the place of origin based on the license plate number, and determines the processing type based on the request item and the place of origin based on the regional maintenance table; wherein, the request item is a request for mortgage, or the request item is a request for release of mortgage; if the processing type is online processing, the project template is retrieved from the template library according to the place of origin and the request item; wherein, the project template includes a customer template, an agent template and a system template; the order information is retrieved from the order library according to the license plate number, and the agent information is retrieved from the agent maintenance table according to the place of origin and the request item, and the customer materials, agent materials and system materials are generated according to the order information, agent information, customer template, agent template and system template; the customer materials are transmitted to the client corresponding to the license plate number for signature, and the agent materials are transmitted to the agent end corresponding to the agent information for signature. In response to the client and agent end signing, the review materials are generated according to the signed customer materials, signed agent materials and system materials; the review materials are transmitted to the review end corresponding to the place of origin for review, and in response to the review end passing the review, the project processing is completed.

[0074] In this invention, the server queries the requested item and license plate number to determine the processing type. When processing online, the server automatically generates client documents, agent documents, and system documents. The server interacts with the client to transmit and sign the client documents. The server interacts with the agent to transmit and sign the agent documents. After the client and the agent sign the agent documents, the server interacts with the reviewer to transmit and review the review documents. Once the reviewer approves the review documents, the process is complete. This enables online vehicle mortgage and release procedures, reducing the need for offline preparation and mailing of mortgage and release documents, saving time and efficiency.

[0075] See also Figure 3 As shown, Figure 3 Another flowchart of the method for processing financial data provided by an embodiment of the present invention includes the following steps:

[0076] Step S301: pre-configure a region maintenance table and store the region maintenance table in a database.

[0077] In this embodiment, the pre-configured region maintenance table can be implemented by the first configuration unit of the financial data processing device at the server side.

[0078] Specifically, the regional maintenance table is pre-configured by the following method: obtaining project processing requirements for different regions; pre-configuring a regional maintenance table that records the regions and the processing types of project categories corresponding to the regions according to the project processing requirements; wherein the project categories include mortgage projects and mortgage settlement projects, and the processing types include online processing and offline processing.

[0079] The first configuration unit may obtain project processing requirements for different regions based on public information, or the first configuration unit may obtain project processing requirements for different regions based on manual entry. For example, the first configuration unit may obtain an announcement based on public information that region one can process mortgages online; another example, the first configuration unit may obtain an announcement based on public information that region two can process mortgages and mortgage settlements online; another example, the first configuration unit may obtain an announcement based on manual entry that region three has not yet opened online mortgage and mortgage settlement services.

[0080] The first configuration unit can perform semantic recognition on the acquired project handling requirements of each region, so as to determine whether each region can handle mortgages online and whether each region can handle mortgage releases online.

[0081] The first configuration unit generates a region maintenance table, and pre-configures whether each identified region can handle mortgages online and whether each region can handle mortgage releases online in the region maintenance table, and stores the configured region maintenance table in a database.

[0082] For example: Table 1 shows an exemplary regional maintenance table.

[0083] Table 1:

[0084] area mortgage Release of mortgage Region 1 Online processing Offline processing Region 2 Online processing Online processing Region Three Offline processing Offline processing ……

[0085] Step S302: pre-configure the template library and store the template library in the database. Go to step S306.

[0086] The pre-configured template library of this embodiment can be implemented by the second configuration unit of the financial data processing device on the server side.

[0087] Specifically, the template library is pre-configured by the following method: obtaining project handling requirements in different regions; pre-configuring multiple documents corresponding to the project categories of the region according to the project handling requirements, and allocating the multiple documents into customer documents, agent documents and system documents; wherein the project categories include mortgage projects and mortgage settlement projects; for each document, pre-configuring parameter items to be filled in according to the project handling requirements; generating a customer template according to the customer documents and the corresponding parameter items to be filled in, generating an agent template according to the agent documents and the corresponding parameter items to be filled in, and generating a system template according to the system documents and the corresponding parameter items to be filled in; storing the customer template, agent template and system template in correspondence with the project categories of the region to form a template library.

[0088] The second configuration unit may obtain project processing requirements for different regions based on public information, or the second configuration unit may obtain project processing requirements for different regions based on manual entry. For example, the second configuration unit may obtain requirements for first-line mortgage processing in a region based on public information; for another example, the second configuration unit may obtain requirements for second-line mortgage processing and mortgage settlement in a region based on public information.

[0089] The second configuration unit can perform semantic recognition on the acquired project processing requirements for each region, thereby determining the multiple documents required for each project category in each region, and assigning the multiple documents to client documents, agent documents, and system documents. For example, the second configuration unit can determine the client documents, agent documents, and system documents required for a mortgage project in region one based on semantic recognition; for another example, the second configuration unit can determine the client documents, agent documents, and system documents required for a mortgage project in region two based on semantic recognition; for another example, the second configuration unit can determine the client documents, agent documents, and system documents required for a mortgage release project in region two based on semantic recognition.

[0090] For example: Table 2 shows the customer information, agent information and system information under project categories in different regions.

[0091] Table 2:

[0092]

[0093] The second configuration unit performs semantic recognition on each document based on project processing requirements to determine the parameters to be filled in. For example, the second configuration unit can use semantic recognition to determine multiple parameters to be filled in a customer power of attorney for a mortgage project in Region 1; or, in another example, the second configuration unit can use semantic recognition to determine multiple parameters to be filled in a company power of attorney for a mortgage release project in Region 2.

[0094] For example: Table 3 shows the parameter items to be filled in each document under project categories in different regions.

[0095] Table 3:

[0096]

[0097]

[0098] The second configuration unit generates a customer template based on each customer profile and its corresponding parameter items to be filled in, generates an agent template based on each agent profile and its corresponding parameter items to be filled in, and generates a system template based on the system profile and its corresponding parameter items to be filled in. The customer template may include multiple customer sub-templates corresponding to each customer profile, and each customer sub-template may be arranged on a sequential page; the agent template may include multiple agent sub-templates corresponding to each agent profile, and each agent sub-template may be arranged on a sequential page; and the system template may include multiple system sub-templates corresponding to each system profile, and each system sub-template may be arranged on a sequential page.

[0099] The second configuration unit stores the customer templates, agent templates and system templates in correspondence with the project categories of the region, and after forming a template library, stores the configured template library in the database.

[0100] Step S303: pre-configure the order database and store the order database in the database. Go to step S307.

[0101] In this embodiment, the pre-configuration of the order database can be implemented by the third configuration unit of the financial data processing device of the server.

[0102] Specifically, the order library is pre-configured by the following methods: obtaining the starting rental information of different vehicles, and pre-configuring an order table that records the license plate information and the starting rental content corresponding to the license plate information based on the starting rental information; obtaining the starting rental contracts of different vehicles, and matching the starting rental contracts with the license plate information; generating order information corresponding to the license plate information based on the order table and the starting rental contract to form an order library.

[0103] The third configuration unit can obtain the rental start information of different vehicles from the rental start system that stores all vehicle files. For example, the third configuration unit can obtain the rental start information of a vehicle with license plate information of Beijing A XXXXX from the rental start system that stores vehicle files. For another example, the third configuration unit can obtain the rental start information of a vehicle with license plate information of Shanghai AXXXXX from the rental start system that stores vehicle files.

[0104] The third configuration unit can perform semantic recognition on the obtained rental start information of each vehicle, thereby determining the license plate information and the rental start content corresponding to the license plate information. For example, the third configuration unit can perform semantic recognition on the rental start information of Beijing A XXXXX, thereby determining its contract number characteristics, customer name characteristics, customer contact information characteristics, vehicle frame number characteristics, rental start date characteristics, settlement date characteristics, and location characteristics. For another example, the third configuration unit can perform semantic recognition on the rental start information of Shanghai A XXXXX, thereby determining its contract number characteristics, customer name characteristics, customer contact information characteristics, vehicle frame number characteristics, rental start date characteristics, settlement date characteristics, and location characteristics.

[0105] The third configuration unit generates an order form and pre-configures the identified license plate information and the rental start content corresponding to the license plate information in the order form.

[0106] For example: Table 4 shows an exemplary order table.

[0107]

[0108] The third configuration unit can obtain the rental contracts for different vehicles from the rental system that stores all vehicle files. The third configuration unit can establish a correspondence between the rental contracts and the license plate information. For example, the third configuration unit can obtain the rental contract for a vehicle with license plate information of Beijing A XXXXX from the rental system that stores vehicle files. For another example, the third configuration unit can obtain the rental contract for a vehicle with license plate information of Shanghai A XXXXX from the rental system that stores vehicle files.

[0109] The third configuration unit can generate order information corresponding to the license plate information based on the order form and the lease contract, form an order database, and store the order database in the database.

[0110] Step S304: pre-configure an agent maintenance table and store the agent maintenance table in the database. Go to step S308.

[0111] The pre-configuration of the agent maintenance table in this embodiment can be implemented by the fourth configuration unit of the financial data processing device of the server.

[0112] Specifically, the agent maintenance table is pre-configured through the following method: obtaining personnel information in different regions; pre-configuring an agent maintenance table that records regions and agent information corresponding to the project categories in the regions according to the personnel information; where the project categories include mortgage projects and de-mortgage projects.

[0113] The fourth configuration unit can obtain personnel information in different regions based on the employee files of the vehicle financial leasing company. For example, the fourth configuration unit can obtain the personnel information in Region 1 based on the employee files; or the fourth configuration unit can obtain the personnel information in Region 2 based on the employee files.

[0114] The fourth configuration unit can determine the agent information under the project categories corresponding to each region in response to manual allocation. For example, the fourth configuration unit can determine the agent information for the mortgage project in Region 1 in response to manual allocation; or the fourth configuration unit can determine the agent information for the mortgage project in Region 2 in response to manual allocation; or the fourth configuration unit can determine the agent information for the de-mortgage project in Region 2 in response to manual allocation.

[0115] The fourth configuration unit generates an agent maintenance table, pre-configures the agent information under the project categories corresponding to each identified region in the agent maintenance table, and stores the configured agent maintenance table in the database.

[0116] For example: Table 5 exemplarily shows the agent maintenance table.

[0117]

[0118] Step S305: Obtain the requested project and license plate number, determine the place of origin according to the license plate number, search and match the place of origin in the regions of the region maintenance table, search and match the requested project in the project categories of the region maintenance table, and determine the handling type. If the handling type is online handling, go to step S306; if the handling type is offline handling, go to step S315.

[0119] This step can be implemented by the type judgment unit of the financial data processing device on the server side.

[0120] For example: The type judgment unit obtains the requested project "request for mortgage" and the license plate number "Beijing AXXXXX", identifies the first two digits of the license plate number "Beijing AXXXXX" to determine the place of origin "Beijing". Search and match the place of origin "Beijing" in the regions of the region maintenance table, search and match the requested project "request for mortgage" in the project categories of the region maintenance table, and determine the handling type as "online handling".

[0121] Step S306: Search and match the place of origin in the regions of the template library, and search and match the request item in the item categories of the template library, and retrieve the corresponding customer template, agent template, and system template. Then go to Step S307 and Step S308.

[0122] This step can be implemented by the template retrieval unit of the financial data processing device on the server side. When the type determination unit determines that the handling type is online handling, the request item, license plate number, and place of origin are passed to the template retrieval unit.

[0123] For example: The template retrieval unit searches and matches the place of origin "Beijing" in the regions of the template library, and searches and matches the request item "Request for mortgage" in the item categories of the template library, so as to retrieve the corresponding customer template A, agent template A, and system template A.

[0124] Step S307: Search and match the license plate number in the license plate information of the order form library to determine the corresponding order form information, and extract the first fillable parameter feature corresponding to the first fillable parameter item of the order form information. Then go to Step S309.

[0125] This step can be implemented by the e-signature material generation unit of the financial data processing device on the server side. After the template retrieval unit retrieves the project template, the request item, license plate number, place of origin, customer template, agent template, and system template are passed to the e-signature material generation unit.

[0126] For example: The e-signature material generation unit searches and matches the license plate number "Beijing AXXXXX" in the license plate information of the order form library, so as to retrieve the corresponding lease start content and lease start contract. The e-signature material generation unit extracts the first fillable parameter feature corresponding to the first fillable parameter item of the lease start content and lease start contract: license plate number "Beijing A XXXXX", contract number "AAA", customer name "Customer One", customer ID number "11XXXXXXXXXXXXXXXX", vehicle identification number "Vehicle Identification Number One", lease start date "2024-01-01", settlement date "2026-01-01", place of origin "Beijing", company entity name "Company One", etc.

[0127] Step S308: Search and match the place of origin in the regions of the agent maintenance table, and search and match the request item in the item categories of the agent maintenance table to determine the corresponding agent information, and extract the second fillable parameter feature corresponding to the second fillable parameter item of the agent information. Then go to Step S309.

[0128] This step can be implemented by the e-signature material generation unit of the financial data processing device on the server side.

[0129] For example, the electronic signature document generation unit searches and matches the location "Beijing" against the regions in the agent maintenance table, and searches and matches the request item "Mortgage Request" against the item categories in the agent maintenance table, thereby retrieving the corresponding agent information. The electronic signature document generation unit then extracts the second fillable parameter features corresponding to the second fillable parameter item in the agent information: agent name "Agent 1" and agent ID number "13XXXXXXXXXXXXXXXX."

[0130] Step S309: Determine the matching relationship between the first and second fillable parameter items and the to-be-filled parameter items of the project template. Based on the matching relationship, fill the to-be-filled parameter items with the first and second fillable parameter characteristics, thereby generating the client profile, agent profile, and system profile. Then proceed to Steps S310 and S311.

[0131] This step can be implemented by the electronic signature material generation unit of the financial data processing device on the service side.

[0132] For example, the electronic signature document generation unit matches the vehicle frame number fillable parameter in the first fillable parameter item with the corresponding to-be-filled parameter items in the project template, and determines that the vehicle frame number fillable parameter item corresponds to the second to-be-filled parameter in the mortgage application form and the second to-be-filled parameter in the customer authorization form. Based on this matching relationship, the electronic signature document generation unit fills the "vehicle frame number 1" fillable parameter feature into the second to-be-filled parameter in the mortgage application form and the customer authorization form.

[0133] For another example, the electronic signature document generation unit matches the agent name fillable parameter item in the second fillable parameter item with the corresponding to-be-filled parameter item in the project template and determines that the agent name fillable parameter item corresponds to to-be-filled parameter six of the mortgage application form. Based on this matching relationship, the electronic signature document generation unit fills the fillable parameter feature of "agent one" into to-be-filled parameter six of the mortgage application form.

[0134] After all the parameters to be filled in the project template are filled in, customer materials, agent materials and system materials are generated.

[0135] Step S310: Transmit the customer's materials to the client corresponding to the license plate number for signature.

[0136] This step can be implemented by the transmission unit of the financial data processing device on the server side.

[0137] After the electronic signature material generation unit generates the customer materials, it can pass the customer materials and license plate number to the transmission unit, so that the transmission unit can determine the corresponding client according to the license plate number and transmit the customer materials to the client for the client to sign.

[0138] Step S311: The agent's materials are transmitted to the agent's terminal corresponding to the agent's information for signature.

[0139] This step can be implemented by the transmission unit of the financial data processing device on the server side.

[0140] After the electronic signature material generation unit generates the agent material, it can pass the agent material and agent information to the transmission unit, so that the transmission unit determines the corresponding agent terminal according to the agent information and transmits the agent material to the agent terminal for the agent to sign.

[0141] Step S312: In response to the client and agent completing the signing, the audit materials are generated based on the signed client materials, the signed agent materials, and the system materials.

[0142] This step can be implemented by the transmission unit and the review material generation unit of the financial data processing device on the service side.

[0143] After the electronic signature material generation unit generates the system materials, the system materials and the like can be transferred to the review material generation unit.

[0144] After the client on the client side signs the client documents, the result is returned to the transmission unit, which then passes the signed client documents to the review document generation unit. After the agent on the agent side signs the agent documents, the result is returned to the transmission unit, which then passes the signed agent documents to the review document generation unit.

[0145] The audit material generation unit organizes the signed customer materials, signed agent materials and system materials into audit materials.

[0146] In step S313, the audit materials corresponding to the location are transmitted to the dispatching end, so that the dispatching end transmits the audit materials to the corresponding audit end for audit according to the location.

[0147] This step can be implemented by the transmission unit of the financial data processing device of the service end. The service end and the audit end can achieve communication connection based on the dispatch end.

[0148] After the review material generation unit generates the review materials, it can transmit the review materials corresponding to the location to the dispatching end, so that the dispatching end can determine the corresponding review end according to the location and transmit the review materials to the review end for review. The dispatching end can be a transportation science institute.

[0149] Step S314: Receive the audit result and determine whether the audit is passed. If passed, go to step S315; if not, go to step S305.

[0150] This step can be implemented by the transmission unit of the financial data processing device on the server side.

[0151] The transmission unit receives the audit result fed back by the audit end and determines whether the audit is passed.

[0152] If the review is passed, the project is completed. The transmission module can transmit the message of the completion of the project to the client and the agent.

[0153] The agent can then submit the vehicle registration certificate to a professional institution to print the mortgage information. The agent can choose to submit the vehicle registration certificate by mail or offline, depending on whether the approval result supports mail submission of the vehicle registration certificate.

[0154] If the audit fails, the transmission unit may also receive the reason for the audit failure as fed back by the audit end, and return to step S305 to redetermine the handling type.

[0155] After re-determining the processing type as online processing, the transmission unit will pass the reason for failure to the review to the electronic signature material generation unit and the review material generation unit, so that the electronic signature material generation unit and the review material generation unit can further improve the electronic signature materials and the review materials based on the reason for failure to the review.

[0156] At the same time, the transmission unit can also transmit the audit failure result to the client and agent, so that the client and the agent are informed of the audit failure.

[0157] Step S315, the process ends.

[0158] It should be understood that the size of the serial numbers of the steps in the above embodiments does not mean the order of execution. The execution order of each process should be determined by its function and internal logic, and should not constitute any limitation on the implementation process of the embodiments of the present invention.

[0159] In one embodiment, a financial data processing device is provided, which corresponds to the financial data processing method in the above embodiment. Figure 4 As shown, the financial data processing device includes:

[0160] Type determination unit 401 is configured to obtain the requested item and the license plate number, determine the location based on the license plate number, and determine the processing type based on the requested item and the location based on the regional maintenance table; wherein the requested item is a request for mortgage or a request for release of mortgage;

[0161] The template retrieval unit 402 is configured to retrieve a project template from a template library based on the location and the requested project if the processing type is online processing; the project templates include customer templates, agent templates, and system templates;

[0162] The electronic signature material generation unit 403 is used to retrieve order information from the order database based on the license plate number, retrieve agent information from the agent maintenance table based on the location and requested items, and generate customer materials, agent materials, and system materials based on the order information, agent information, customer template, agent template, and system template;

[0163] The transmission unit 404 is used to transmit the client's materials to the client corresponding to the license plate number for signature, transmit the agent's materials to the agent's side corresponding to the agent's information for signature, and receive the client's materials signed by the client and the agent's materials signed by the agent side;

[0164] The audit material generating unit 405 is used to generate audit materials based on the signed customer materials, the signed agent materials and the system materials;

[0165] The transmission unit 404 is further used to transmit the audit materials to the audit terminal corresponding to the home location for review, and receive the result of the review by the audit terminal.

[0166] In some optional embodiments, the above-mentioned device 400 also includes: a first configuration unit, used to obtain project processing requirements in different regions; pre-configure a regional maintenance table that records the regions and the processing types of project categories corresponding to the regions according to the project processing requirements; wherein the project categories include mortgage projects and mortgage release projects, and the processing types include online processing and offline processing.

[0167] In some optional embodiments, the above-mentioned device 400 also includes: a second configuration unit, which is used to obtain project handling requirements in different regions; pre-configure multiple documents corresponding to the project categories of the region according to the project handling requirements, and allocate the multiple documents into customer information, agent information and system information; wherein the project categories include mortgage projects and mortgage release projects; for each document, pre-configure parameter items to be filled in according to the project handling requirements; generate a customer template based on the customer information and the corresponding parameter items to be filled in, generate an agent template based on the agent information and the corresponding parameter items to be filled in, and generate a system template based on the system information and the corresponding parameter items to be filled in; store the customer template, agent template and system template in correspondence with the project categories of the region to form a template library.

[0168] In some optional embodiments, the above-mentioned device 400 also includes: a third configuration unit, which is used to obtain the rental information of different vehicles, and pre-configure an order form that records the license plate information and the rental content corresponding to the license plate information based on the rental information; obtain the rental contracts of different vehicles, and match the rental contracts with the license plate information; generate order information corresponding to the license plate information based on the order form and the rental contract to form an order library.

[0169] In some optional embodiments, the above-mentioned device 400 also includes: a fourth configuration unit, used to obtain personnel information of different regions; an agent maintenance table pre-configured to record agent information of regions and project categories corresponding to the regions based on the personnel information; wherein the project categories include mortgage projects and mortgage release projects.

[0170] In some optional embodiments, the electronic signature material generation unit 403 is specifically used to: search and match the license plate number in the license plate information in the order library to determine the corresponding order information, and extract the first fillable parameter feature corresponding to the first fillable parameter item of the order information; search and match the place of origin in the region of the agent maintenance table, and search and match the request item in the item category of the agent maintenance table to determine the corresponding agent information, and extract the second fillable parameter feature corresponding to the second fillable parameter item of the agent information; determine the matching relationship between the first fillable parameter item and the second fillable parameter item and the parameter item to be filled in, and fill the first fillable parameter feature and the second fillable parameter feature in the parameter item to be filled in according to the matching relationship to generate customer materials, agent materials and system materials.

[0171] In some optional implementations, the transmission unit 404 is specifically configured to transmit the audit materials corresponding to the place of origin to the dispatching end, so that the dispatching end transmits the audit materials to the corresponding audit end for audit according to the place of origin.

[0172] The specific definition of the financial data processing device can be found in the definition of the financial data processing method above and will not be repeated here. Each unit / module in the aforementioned financial data processing device may be implemented in whole or in part via software, hardware, or a combination thereof. Each of these units / modules may be embedded in or independent of a processor in a computer device in hardware form, or stored in a computer device memory in software form, so that the processor can call and execute the corresponding operations of each of these modules.

[0173] In one embodiment, a computer device is provided. The computer device may be a server, and its internal structure diagram may be as follows: Figure 5 As shown. The computer device includes a processor, memory, a network interface, and a database connected via a system bus. The processor of the computer device is used to provide computing and control capabilities. The memory of the computer device includes non-volatile and / or volatile storage media and internal memory. The non-volatile storage medium stores an operating system, a computer program, and a database. The internal memory provides an environment for the operation of the operating system and computer program in the non-volatile storage medium. The network interface of the computer device is used to communicate with an external client, agent, reviewer, or dispatcher via a network connection. When executed by the processor, the computer program implements the functions or steps on the service side of the financial data processing method.

[0174] In one embodiment, a computer device is provided, including a memory, a processor, and a computer program stored in the memory and executable on the processor. When the processor executes the computer program, the following steps are performed:

[0175] Obtain the requested item and license plate number, determine the location based on the license plate number, and determine the processing type based on the requested item and location based on the regional maintenance table; wherein the requested item is a request for mortgage or a request for release of mortgage;

[0176] If the application type is online, the project template is retrieved from the template library based on the location and requested project. Project templates include customer templates, agent templates, and system templates.

[0177] Retrieve order information from the order database based on the license plate number, retrieve agent information from the agent maintenance table based on the location and request item, and generate customer materials, agent materials, and system materials based on the order information, agent information, customer templates, agent templates, and system templates;

[0178] Transmitting the client's materials to the client corresponding to the license plate number for signature, and transmitting the agent's materials to the agent's end corresponding to the agent information for signature. In response to the client and agent's end signing, generating review materials based on the signed client's materials, the signed agent's materials, and the system materials;

[0179] The audit materials are transmitted to the audit end corresponding to the place of origin for review. If the audit end approves the review, the project is completed.

[0180] In one embodiment, a computer-readable storage medium is provided, on which a computer program is stored. When the computer program is executed by a processor, the following steps are implemented:

[0181] Obtain the requested item and license plate number, determine the location based on the license plate number, and determine the processing type based on the requested item and location based on the regional maintenance table; wherein the requested item is a request for mortgage or a request for release of mortgage;

[0182] If the application type is online, the project template is retrieved from the template library based on the location and requested project. Project templates include customer templates, agent templates, and system templates.

[0183] Retrieve order information from the order database based on the license plate number, retrieve agent information from the agent maintenance table based on the location and request item, and generate customer materials, agent materials, and system materials based on the order information, agent information, customer templates, agent templates, and system templates;

[0184] Transmitting the client's materials to the client corresponding to the license plate number for signature, and transmitting the agent's materials to the agent's end corresponding to the agent information for signature. In response to the client and agent's end signing, generating review materials based on the signed client's materials, the signed agent's materials, and the system materials;

[0185] The audit materials are transmitted to the audit end corresponding to the place of origin for review. If the audit end approves the review, the project is completed.

[0186] It should be noted that the above functions or steps that can be implemented by the computer-readable storage medium or computer device can be found in the relevant description of the server side in the aforementioned method embodiment. To avoid repetition, they will not be described one by one here.

[0187] Those skilled in the art will appreciate that all or part of the processes in the above-described embodiments can be implemented by instructing the relevant hardware through a computer program. The computer program can be stored in a non-volatile computer-readable storage medium. When executed, the computer program can include the processes of the above-described embodiments. Among them, any reference to memory, storage, database or other media used in the embodiments provided by the present invention can include non-volatile and / or volatile memory. Non-volatile memory can include read-only memory (ROM), programmable ROM (PROM), electrically programmable ROM (EPROM), electrically erasable programmable ROM (EEPROM) or flash memory. Volatile memory can include random access memory (RAM) or external cache memory. By way of illustration and not limitation, RAM is available in various forms, such as static RAM (SRAM), dynamic RAM (DRAM), synchronous DRAM (SDRAM), double data rate SDRAM (DDRSDRAM), enhanced SDRAM (ESDRAM), synchronous link DRAM (SLDRAM), RAMbus direct RAM (RDRAM), direct RAM bus dynamic RAM (DRDRAM), and RAMbus dynamic RAM (RDRAM).

[0188] Those skilled in the art will clearly understand that for the sake of convenience and brevity of description, only the division of the above-mentioned functional units and modules is used as an example. In actual applications, the above-mentioned functions can be distributed and completed by different functional units and modules as needed, that is, the internal structure of the device can be divided into different functional units or modules to complete all or part of the functions described above.

[0189] The embodiments described above are only used to illustrate the technical solutions of the present invention, rather than to limit the same. Although the present invention has been described in detail with reference to the aforementioned embodiments, those skilled in the art should understand that they can still modify the technical solutions described in the aforementioned embodiments, or make equivalent replacements for some of the technical features therein. These modifications or replacements do not deviate the essence of the corresponding technical solutions from the spirit and scope of the technical solutions of the various embodiments of the present invention, and should all be included in the scope of protection of the present invention.

Claims

1. A method for processing financial data, characterized in that: The method comprises: Obtaining a request item and a license plate number, determining a location based on the license plate number, and determining a processing type based on the request item and the location based on a regional maintenance table; wherein the request item is a request for mortgage, or the request item is a request for mortgage release; If the processing type is online processing, a project template is retrieved from a template library according to the location and the requested project; wherein the project template includes a customer template, an agent template, and a system template; Retrieving order information from the order database according to the license plate number, retrieving agent information from the agent maintenance table according to the location and the request item, and generating customer materials, agent materials, and system materials based on the order information, the agent information, the customer template, the agent template, and the system template; Transmitting the client materials to the client corresponding to the license plate number for signature, transmitting the agent materials to the agent side corresponding to the agent information for signature, and in response to the client and agent side completing the signature, generating review materials based on the signed client materials, the signed agent materials, and the system materials; The audit materials are transmitted to the audit end corresponding to the place of origin for review, and the project processing is completed in response to the audit end passing the review.

2. The method for processing financial data according to claim 1, characterized in that: The region maintenance table is generated by the following pre-configuration: Obtain project handling requirements in different regions; The region maintenance table recording the regions and the project categories corresponding to the regions and the processing types is pre-configured according to the project processing requirements; wherein the project categories include mortgage projects and mortgage release projects, and the processing types include online processing and offline processing.

3. The method for processing financial data according to claim 1, characterized in that: The template library is pre-configured in the following ways: Obtain project handling requirements in different regions; Pre-configuring a plurality of documents corresponding to the project categories of the region according to the project handling requirements, and allocating the plurality of documents into customer documents, agent documents, and system documents; wherein the project categories include mortgage projects and mortgage release projects; For each document, pre-configure the parameters to be filled in according to the project handling requirements; Generate the customer template based on the customer information and the corresponding parameter items to be filled, generate the agent template based on the agent information and the corresponding parameter items to be filled, and generate the system template based on the system information and the corresponding parameter items to be filled; The customer template, the agent template and the system template are stored corresponding to the project category of the region to form the template library.

4. The method for processing financial data according to claim 1, characterized in that: The order library is pre-configured in the following ways: Obtaining rental start information of different vehicles, and pre-configuring an order form recording license plate information and rental start content corresponding to the license plate information according to the rental start information; Obtaining lease contracts for different vehicles and matching the lease contracts with the license plate information; The order information corresponding to the license plate information is generated according to the order form and the lease contract to form the order database.

5. The method for processing financial data according to claim 1, characterized in that: The agent maintenance table is preconfigured by: Obtain personnel information in different regions; The agent maintenance table recording agent information of the region and project categories corresponding to the region is pre-configured according to the personnel information; wherein the project categories include mortgage projects and mortgage release projects.

6. The method for processing financial data according to claim 3, characterized in that: The method of retrieving order information from an order database according to the license plate number, retrieving agent information from an agent maintenance table according to the location, and generating customer materials, agent materials, and system materials according to the order information, agent information, the customer template, the agent template, and the system template includes: Searching and matching the license plate number in the license plate information of the order database to determine the corresponding order information, and extracting the first fillable parameter feature corresponding to the first fillable parameter item of the order information; Searching and matching the location of ownership in the region of the agent maintenance table, searching and matching the request item in the item category of the agent maintenance table to determine the corresponding agent information, and extracting the second fillable parameter feature corresponding to the second fillable parameter item of the agent information; Determine the matching relationship between the first fillable parameter item and the second fillable parameter item and the parameter item to be filled, fill the first fillable parameter feature and the second fillable parameter feature into the parameter item to be filled according to the matching relationship, and generate the customer material, the agent material and the system material.

7. The method for processing financial data according to claim 1, characterized in that: The transmitting of the review materials to the review terminal corresponding to the home location for review includes: The audit materials corresponding to the place of attribution are transmitted to the distribution end together, so that the distribution end transmits the audit materials to the corresponding audit end for review according to the place of attribution.

8. A financial data processing device, characterized in that: The device comprises: a type determination unit, configured to obtain a request item and a license plate number, determine a location based on the license plate number, and determine a processing type based on the request item and the location based on a regional maintenance table; wherein the request item is a request for mortgage or a request for release of mortgage; a template retrieving unit, configured to retrieve a project template from a template library according to the location and the requested project if the processing type is online processing; wherein the project template includes a customer template, an agent template, and a system template; a electronic signature material generating unit, configured to retrieve order information from an order database based on the license plate number, retrieve agent information from an agent maintenance table based on the location and the requested item, and generate customer materials, agent materials, and system materials based on the order information, agent information, customer template, agent template, and system template; a transmission unit, configured to transmit the client materials to the client terminal corresponding to the license plate number for signature, transmit the agent materials to the agent terminal corresponding to the agent information for signature, and receive the client materials signed by the client terminal and the agent materials signed by the agent terminal; An audit material generating unit, configured to generate audit materials based on the signed client materials, the signed agent materials, and the system materials; The transmission unit is further configured to transmit the review materials to the review terminal corresponding to the home location for review, and receive the review result of the review terminal.

9. A computer device comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein: When the processor executes the computer program, the steps of the method for processing financial data according to any one of claims 1 to 7 are implemented.

10. A computer-readable storage medium storing a computer program, characterized in that: When the computer program is executed by a processor, the steps of the method for processing financial data according to any one of claims 1 to 7 are implemented.

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