Business order generation method and device, storage medium and computer equipment

Abstract

The invention discloses a business order generation method and device, a storage medium and computer equipment, and relates to the technical field of electronic order generation, the field of financial science and technology and the technical field of medical health, and the method comprises the steps: receiving a business order creation request of a target user at a target channel client; comparing the business parameters at the current moment with historical business parameters at the previous login moment to obtain an order state corresponding to the business order; when the order state is a first order state, receiving a financing calculation request of the target user; according to the financing parameters, the service parameters and the service mode parameters, calling a preset financing measurement interface for calculation to obtain a financing measurement result; and performing order generation at least based on the financing calculation result and the credit investigation authorization result of the tenant in the business parameters to obtain a target business order for the business order creation request. According to the method, the business order generation efficiency can be improved, and the conversion rate of the user is improved.

Description

Technical Field

[0001] The present invention relates to the fields of electronic order generation technology, financial technology, and medical health technology, and in particular to a business order generation method, device, storage medium, and computer equipment. Background Art

[0002] With the continuous development of science and technology, the automatic generation of electronic orders can support functions such as shopping, social networking, interactive games, and resource transfer; in the field of financial technology, the order types of business orders include payment orders, loan orders, financing orders, investment and financial management orders, insurance orders, and other order types; in the field of medical and health technology, the order types of business orders include medical service orders, drug distribution orders, health management orders, medical insurance orders, medical equipment orders, medical consumables orders, data service orders, etc.; traditional financing business orders generally use offline methods to collect user data and sign orders. The entire fundraising business process is relatively long, which affects the market competitiveness of financial products. Summary of the Invention

[0003] In view of this, the present invention provides a business order generation method, apparatus, storage medium and computer equipment, the main purpose of which is to solve the current problem of long fundraising business process and low efficiency.

[0004] To solve the above problems, the present application provides a business order generation method, comprising:

[0005] Receive a business order creation request from a target user on a target channel client, where the business order creation request carries business parameters and business model parameters;

[0006] Comparing the service parameters at the current moment with the historical service parameters at the last login moment, and obtaining the order status corresponding to the service order when the service parameters are the same as the historical service parameters and the time interval between the current moment and the last login moment is within a predetermined time range;

[0007] When the order status is the first order status, receiving a financing calculation request from the target user, the financing calculation request carrying financing parameters;

[0008] Calling a preset financing calculation interface to perform calculations based on the financing parameters, the business parameters, and the business model parameters to obtain a financing calculation result;

[0009] An order is generated based at least on the financing estimation result and the credit authorization result of the lessee in the business parameters to obtain a target business order for the business order creation request.

[0010] Optionally, the service order creation request further carries a source channel parameter. Before comparing the service parameter at the current moment with the historical service parameter at the last login moment, the method further includes:

[0011] Verifying the business parameters, the source channel parameters, and the business model parameters;

[0012] When the verification fails, the login fails and enters the first error page to prompt the target user to contact customer service to inquire about the reason for the login failure;

[0013] When the verification succeeds but the order creation fails, or when the verification succeeds but the user information synchronization fails, the login fails and the second error page is displayed to prompt the target user to log in again;

[0014] When the verification is successful and the order is created successfully, or when the verification is successful and the user information is synchronized successfully, the comparison between the business parameters based on the current moment and the historical business parameters at the last login moment is performed.

[0015] Optionally, the method further includes:

[0016] Determining a login mode of the target user based on the source channel parameter;

[0017] When the login mode is a unified login mode, querying each protocol template in a preset database based on the source channel parameter to obtain a target protocol template corresponding to the source channel parameter;

[0018] In response to the target user processing the target protocol template and clicking a login operation, switching the current page to a target login page corresponding to the target protocol template;

[0019] When the login mode is a non-uniform login mode, sending the randomly generated first verification information to the communication information carried in the service parameter;

[0020] receiving second verification information sent by the target user using the communication information;

[0021] When the first verification information is the same as the second verification information, the current page is switched to the target login page.

[0022] Optionally, the first order status is that there is no associated order, the associated order is in an order cancellation status, or the associated order is in an approval rejection status;

[0023] The method further comprises:

[0024] When the order status is the second order status, displaying the order details page of the associated order;

[0025] The second order status is the associated order being in the review status, the associated order being in the review-passed status, and the associated order being in the pending review status.

[0026] Optionally, before generating an order based at least on the financing estimation result and the credit authorization result of the lessee in the business parameters, the method further includes:

[0027] Perform a credit authorization check based on the target user's communication information. If the target user has not completed the credit authorization, jump to the real-name authentication and credit authorization page;

[0028] After the target user completes the credit authorization operation on the real-name authentication and credit authorization page, the lessee information is extracted;

[0029] Based on the lessee information, the credit authorization information, and the channel information, a preset risk control interface is called to perform a risk assessment on the lessee information to obtain a risk assessment result;

[0030] When the risk assessment result indicates that the credit authorization of the associated person corresponding to the lessee information is required, jump to the authorization page of the associated person corresponding to the lessee information;

[0031] After the target user completes the credit investigation authorization operation on the associated person authorization page, the associated person information is extracted to complete the credit investigation authorization operation.

[0032] Optionally, the method further includes:

[0033] Perform judgment based on the age information in the tenant information to obtain a judgment result;

[0034] When the judgment result is that the age information is less than or equal to the first preset threshold and the age information is greater than or equal to the second preset threshold, controlling the current page to jump to the guarantor information page to obtain the guarantor information;

[0035] Generating an order based at least on the financing estimation result and the credit authorization result of the lessee in the business parameters to obtain a target business order for the business order creation request specifically includes:

[0036] An order is generated based on the financing estimation result, the credit authorization result of the target user and the guarantor information to obtain a target business order for the business order creation request.

[0037] Optionally, the control of jumping the current page to the guarantor information page to obtain the guarantor information specifically includes:

[0038] In response to the target user submitting the guarantee data on the guarantor information page, controlling the current page to jump from the guarantor information page to the file upload page;

[0039] In response to the target user clicking on the submit operation of the guarantor's ID file on the file upload page, controlling the current page to jump from the file upload page to the information confirmation page;

[0040] In response to the target user clicking a submit review operation on the information confirmation page, the guarantor information is extracted.

[0041] To solve the above problems, the present application provides a business order generation device, comprising:

[0042] A first receiving module is configured to receive a business order creation request from a target user at a target channel client, wherein the business order creation request carries business parameters and business model parameters;

[0043] an acquisition module, configured to compare the business parameters at the current moment with the historical business parameters at the last login moment, and acquire an order status corresponding to the business order when the business parameters are the same as the historical business parameters and the time interval between the current moment and the last login moment is within a predetermined time range;

[0044] A second receiving module is configured to receive a financing calculation request from the target user when the order status is the first order status, wherein the financing calculation request carries financing parameters;

[0045] A calculation module, configured to call a preset financing calculation interface to perform calculations based on the financing parameters, the business parameters, and the business model parameters to obtain a financing calculation result;

[0046] A generation module is used to generate an order based on at least the financing calculation result and the credit authorization result of the lessee in the business parameters, and obtain a target business order for the business order creation request.

[0047] To solve the above problem, the present application provides a storage medium, which stores a computer program. When the computer program is executed by a processor, the steps of the above-mentioned business order generation method are implemented.

[0048] To solve the above problems, the present application provides a computer device, which includes at least a memory and a processor, wherein a computer program is stored in the memory, and the processor implements the steps of the above-mentioned business order generation method when executing the computer program in the memory.

[0049] The beneficial effects of this application are as follows: This application receives a business order creation request from a target user on a target channel client, the business order creation request carries business parameters and business model parameters; compares the business parameters at the current moment with the historical business parameters at the last login moment, and when the business parameters are the same as the historical business parameters and the time interval between the current moment and the last login moment is within a predetermined time range, obtains the order status corresponding to the business order; allows users to automatically log in within the login time limit without the need for repeated login verification, saving user time and improving user satisfaction; when the order status is the first order status, receives a financing calculation request from the target user, the financing calculation request carries financing parameters; calls a preset financing calculation interface to perform calculations based on the financing parameters, the business parameters, and the business model parameters to obtain a financing calculation result; supports user-defined financing calculation requirements, and generates user-personalized financing calculation results for users based on their actual needs. Generates a business order based at least on the financing calculation result and the credit authorization result of the lessee in the business parameters. This application can realize the automatic generation of financing product business orders, improve the efficiency of order data collection and signing, increase user conversion rate, and enhance the market competitiveness of products.

[0050] The above description is only an overview of the technical solution of the present invention. In order to more clearly understand the technical means of the present invention, it can be implemented in accordance with the contents of the specification. In order to make the above and other purposes, features and advantages of the present invention more obvious and easy to understand, the specific implementation methods of the present invention are specifically listed below. BRIEF DESCRIPTION OF THE DRAWINGS

[0051] Various other advantages and benefits will become apparent to those skilled in the art upon reading the detailed description of the preferred embodiment below. The accompanying drawings are for illustration purposes only and are not to be considered as limiting the present invention. The same reference symbols are used throughout the drawings to represent the same components. In the drawings:

[0052] Figure 1 A schematic diagram showing an application environment of a method for generating a business order provided in an embodiment of the present application is shown;

[0053] Figure 2 A schematic diagram of a process for generating a business order according to an embodiment of the present application is shown;

[0054] Figure 3 A structural block diagram of a business order generating device provided by another embodiment of the present application is shown;

[0055] Figure 4 A schematic structural diagram of a computer device in one embodiment of the present application is shown;

[0056] Figure 5 Another structural diagram of a computer device in an embodiment of the present application is shown. DETAILED DESCRIPTION

[0057] Various aspects and features of the present application are described herein with reference to the accompanying drawings.

[0058] It should be understood that various modifications may be made to the embodiments of the present application. Therefore, the above description should not be considered as limiting, but merely as an example of an embodiment. Other modifications within the scope and spirit of the present application will occur to those skilled in the art.

[0059] The accompanying drawings, which are incorporated in and constitute a part of the specification, illustrate embodiments of the present application and, together with the general description of the present application given above and the detailed description of the embodiments given below, serve to explain the principles of the present application.

[0060] These and other characteristics of the present application will become apparent from the following description of a preferred form of embodiment given as a non-limiting example with reference to the accompanying drawings.

[0061] It should also be understood that although the present application has been described with reference to certain specific examples, those skilled in the art will readily be able to implement many other equivalent forms of the present application.

[0062] The above and other aspects, features and advantages of the present application will become more apparent from the following detailed description when taken in conjunction with the accompanying drawings.

[0063] Specific embodiments of the present application will be described hereinafter with reference to the accompanying drawings; however, it should be understood that the embodiments described are merely examples of the present application and may be implemented in a variety of ways. Familiar and / or repetitive functions and structures are not described in detail to avoid obscuring the present application with unnecessary or redundant details. Therefore, the specific structural and functional details described herein are not intended to be limiting, but rather serve merely as a basis and representative basis for the claims to teach those skilled in the art to variously utilize the present application with substantially any suitable detailed structure.

[0064] This specification may use the phrases "in one embodiment," "in another embodiment," "in yet another embodiment," or "in other embodiments," which may all refer to one or more of the same or different embodiments according to the present application.

[0065] The automatic screen recording script generation method provided in the embodiment of the present application can be applied to Figure 1In an application environment, the client communicates with the server through a network. The server can receive a business order creation request from a target user at a target channel client, the business order creation request carries business parameters and business model parameters; compare the business parameters at the current moment with the historical business parameters at the last login moment, and when the business parameters are the same as the historical business parameters and the time interval between the current moment and the last login moment is within a predetermined time range, obtain the order status corresponding to the business order; when the order status is the first order status, receive the user's financing calculation request, the financing calculation request carries financing parameters; call the preset financing according to the financing parameters, the business parameters and the business model parameters. The calculation interface is used to calculate and obtain a financing calculation result; a business order is generated at least based on the financing calculation result and the credit authorization result of the lessee in the business parameters, and the business order is fed back to the client. This application automatically obtains the user's input data by receiving the order creation request of the target user at the target channel client, authenticates the lessee information input by the target user through the preset authentication interface, and performs financing calculation based on the financing parameters by calling the preset financing calculation interface to obtain the financing calculation result, and automatically generates a business order based on the financing result and the credit authorization result of the target user, thereby saving the time for signing the financing contract and improving the conversion rate and market competitiveness of financing products.

[0066] This application embodiment provides a method for generating a business order, such as Figure 2 Shown, including:

[0067] Step S101: receiving a service order creation request from a target user at a target channel client, wherein the service order creation request carries service parameters and service model parameters;

[0068] During the specific implementation of this step, in the field of financial technology, the business data includes parameters such as order number, vehicle model, price and deposit; the business model parameters include retail leaseback model, store lease model, lease-to-purchase model, Cheyirong leaseback model and Cheyirong direct lease model; in the field of medical and health technology, the business data includes: medical equipment, drugs, price and deposit parameters; the business model parameters include medical equipment retail leaseback model, etc.; the business order creation request is generated based on the business parameters entered by the target user in the target channel client and the selected business model parameters, and the business order creation request is received in response to the user's order submission operation in the target channel client.

[0069] Step S102: comparing the service parameters at the current moment with the historical service parameters at the last login moment, and obtaining the order status corresponding to the service order when the service parameters are the same as the historical service parameters and the time interval between the current moment and the last login moment is within a predetermined time range;

[0070] During the specific implementation of this step, the order ID, mobile phone number of the car buyer and name fields in the business parameters and the historical business parameters are compared. When the business parameters are the same as the historical business parameters and the time interval between the current moment and the last login moment is within the predetermined time range, the order status corresponding to the business order is obtained; the order status includes a first order status and a second order status; the first order status includes states such as no associated order exists, the associated order is in an order cancellation state, and the associated order is in an approval rejection state; the second order status includes states such as the associated order is under review, the associated order is in an approval-passed state, and the associated order is in a pending review state.

[0071] Step S103: When the order status is the first order status, receiving a financing calculation request from the target user, wherein the financing calculation request carries financing parameters;

[0072] In the specific implementation of this step, the financing parameters include: financing product options, financing ratio, and financing term; the financing product options include equal principal and interest, final payment, and equal principal; the financing term is the number of financing installments, such as 12 installments, 24 installments, 36 installments, etc. Specifically, the financing calculation request is generated based on the financing calculation information edited by the target user on the selected financing calculation information page; specifically, the source channel information is obtained based on the business order creation request of the target channel client logged in by the target user; a preset vehicle model library is searched based on the source channel information to obtain the financing product options corresponding to the source channel information, and the financing products corresponding to the source channel information are displayed on the target channel client; specifically, the product options supported by the current vehicle model are displayed in a ranking order based on the source channel information, business model, vehicle model, and second-tier dealers, with the top-ranked product options selected by default. The upper and lower limits of the financing ratio are determined in the configuration table based on the source channel information, business model, vehicle model, and the user-selected product option, and are displayed in 5% increments (the minimum increment is configurable), with the highest financing ratio selected by default. (Add the financing amount next to the financing ratio. Financing amount = financing ratio * actual vehicle price. When the financing ratio moves, the financing amount will change dynamically).

[0073] Step S104: calling a preset financing calculation interface to perform calculations based on the financing parameters, the business parameters, and the business model parameters to obtain a financing calculation result;

[0074] During the implementation of this step, based on the calculation button clicked by the target user, the user's edited financing parameters are saved, and the preset financing calculation interface is called to calculate the selected product plan to obtain the financing calculation results. The financing calculation results include information such as the financing amount, monthly rent, total interest, final payment ratio, and final payment amount.

[0075] Step S105: Generate a business order based at least on the financing calculation result and the credit authorization result of the lessee in the business parameters.

[0076] During the specific implementation of this step, when the user's credit authorization result is that the credit authorization is passed, the business order is generated based on the financing calculation result, the lessee information corresponding to the target user, and the financing product information.

[0077] This application receives a business order creation request from a target user on a target channel client, the business order creation request carries business parameters and business model parameters; compares the business parameters at the current moment with the historical business parameters at the last login moment, and when the business parameters are the same as the historical business parameters and the time interval between the current moment and the last login moment is within a predetermined time range, obtains the order status corresponding to the business order; allows the user to automatically log in within the login time limit without the need for repeated login verification, saving user time and improving user satisfaction; when the order status is the first order status, receives a financing calculation request from the target user, the financing calculation request carries financing parameters; calls a preset financing calculation interface to perform calculations based on the financing parameters, the business parameters, and the business model parameters to obtain a financing calculation result; supports user-defined financing calculation requirements, and generates user-personalized financing calculation results for the user based on the user's actual needs. Generates a business order based at least on the financing calculation result and the credit authorization result of the lessee in the business parameters. This application can realize the automatic generation of financing product business orders, improve the efficiency of order data collection and signing, increase user conversion rate, and enhance the market competitiveness of products.

[0078] Another embodiment of the present application provides another method for generating a business order, including:

[0079] Step S201: receiving a service order creation request from a target user at a target channel client, wherein the service order creation request carries service parameters, source channel parameters, and service model parameters;

[0080] During the specific implementation of this step, in the field of financial technology, the business data includes parameters such as order number, vehicle model, price and deposit; the business model parameters include retail leaseback model, store lease model, lease-to-purchase model, Cheyirong leaseback model and Cheyirong direct lease model; source channel parameters include partners of different vehicle brands; in the field of medical and health technology, the business data include parameters such as medical devices, drugs, price and deposit; the business model parameters include medical device retail leaseback model, etc.; the business order creation request is generated based on the business parameters entered by the target user in the target channel client and the selected business model parameters, and the business order creation request is received in response to the user's order submission operation in the target channel client.

[0081] Step S202: verifying the service parameters, the source channel parameters, and the service model parameters;

[0082] During the specific implementation of this step, verification is required before entering the login page to verify the security of the target channel client.

[0083] Step S203: When the verification fails, the login failure page enters the first error reporting page to prompt the target user to contact customer service personnel to inquire about the reason for the login failure;

[0084] During the specific implementation of this step, if the link parameter parsing error occurs, the first error page will be displayed when logging in, and the prompt will be: Login failed, please call customer service!

[0085] Step S204: When the verification succeeds but the order creation fails, or when the verification succeeds but the user information synchronization fails, the login fails and the second error page is displayed to prompt the target user to log in again;

[0086] During the specific implementation of this step, if the verification passes but the order creation or user information synchronization fails, the user will be redirected to the second error page and prompted: "Order creation failed, please log in again."

[0087] Step S205: determining the login mode of the target user based on the source channel parameter;

[0088] During the specific implementation of this step, the login mode includes a unified login mode and a non-unified login mode.

[0089] Step S206: When the login mode is the unified login mode, query each protocol template in the preset database based on the source channel parameter to obtain a target protocol template corresponding to the source channel parameter;

[0090] In the specific implementation process of this step, different protocol templates can be pre-configured for different source channels and saved in a preset database. The protocol can be configured with different templates according to the source channel. One source channel can also display multiple text protocols.

[0091] Step S207: In response to the target user processing the target protocol template and clicking a login operation, switching the current page to a target login page corresponding to the target protocol template;

[0092] During the specific implementation of this step, the target user needs to browse or process the protocol file displayed in the target protocol template before logging in. The user is allowed to log in only after he knows the protocol file in the target protocol template and checks the agreement file mark. The current page is switched to the target login page corresponding to the target protocol template.

[0093] Step S208: When the login mode is a non-unified login mode, sending the randomly generated first verification information to the communication information carried in the service parameters;

[0094] During the specific implementation of this step, the communication information may be a mobile phone number. When the login mode is non-unified, the randomly generated first verification information is sent to the mobile phone number included in the service parameter. Identity authentication solutions are used in government agencies, academic institutions, and financial institutions (such as banks). Real-name authentication of individuals or businesses can be performed using unique identifiers such as tax ID numbers, ID numbers, and ID photos.

[0095] Step S209: receiving the second verification information sent by the target user using the communication information;

[0096] During the specific implementation of this step, the second verification information sent by the target user using the communication device corresponding to the communication information is received in response to the first verification information.

[0097] Step S210: When the first verification information is the same as the second verification information, switching the current page to the target login page;

[0098] During the specific implementation of this step, if the first verification information and the second verification information are identical, the target user is allowed to log in, and the current page is switched to the target login page. In the field of financial technology, the target login interface may be a financing service platform, which may also have functions such as applying for loans, credit cards, or purchasing insurance or financial products. The financing service platform may be an insurance system, a banking system, a trading system, or an ordering system. In the field of medical and health technology, the financing service platform may be a medical platform.

[0099] Step S211: When verification is successful and the order is created successfully, or when verification is successful and user information synchronization is successful, the business parameters at the current moment are compared with the historical business parameters at the last login moment. When the business parameters are the same as the historical business parameters and the time interval between the current moment and the last login moment is within a predetermined time range, the order status corresponding to the business order is obtained;

[0100] During implementation, this step requires a check before entering the login page. If the business data is completely consistent with the historical business data, login is waived within the login time limit. If the business data, including the order ID, purchaser's mobile phone number, and purchaser's name, is completely consistent with the previous login information, login is waived for a predetermined period of time, which can be customized. After login is waived, the user will proceed directly to the subsequent process. If any information is inconsistent, the user will be required to enter a verification code and log in again.

[0101] Step S212: When the order status is the first order status, receiving a financing calculation request from the target user, wherein the financing calculation request carries financing parameters;

[0102] In the specific implementation of this step, the financing parameters include: financing product options, financing ratio, and financing term; the financing product options include equal principal and interest, final payment, and equal principal; the financing term is the number of financing installments, such as 12 installments, 24 installments, 36 installments, etc. Specifically, the financing calculation request is generated based on the financing calculation information edited by the target user on the selected financing calculation information page; source channel information is obtained based on a business order creation request from the target channel client logged in by the target user; a preset vehicle model library is searched based on the source channel information to obtain financing product options corresponding to the source channel information, and the financing products corresponding to the source channel information are displayed on the target channel client; specifically, product options supported by the current vehicle model are displayed in a ranking order based on the source channel information, business model, vehicle model, and secondary network dealers, with the top-ranked product options selected by default. The upper and lower limits of the financing ratio are determined in the configuration table based on the source channel information, business model, vehicle model, and user-selected product options, and displayed in 5% increments (the minimum increment is configurable), with the highest financing ratio selected by default. Add the financing amount next to the financing ratio. Financing amount = financing ratio * actual vehicle price. When the financing ratio moves, the financing amount will change dynamically.

[0103] Step S213: Calling a preset financing calculation interface to perform calculations based on the financing parameters, the business parameters, and the business model parameters to obtain a financing calculation result;

[0104] During the implementation of this step, based on the calculation button clicked by the target user, the user's edited financing parameters are saved, and the preset financing calculation interface is called to calculate the selected product plan to obtain the financing calculation results. The financing calculation results include information such as the financing amount, monthly rent, total interest, final payment ratio, and final payment amount.

[0105] Step S214: When the order status is the second order status, displaying the order details page of the associated order;

[0106] During the specific implementation of this step, the second order status is: the related order is in the review status, the related order has been approved, or the related order is pending review. The related order is the most recent order created by the target user. When the order status of the related order is other than pending submission / approval rejection / order cancellation, the order details page is displayed.

[0107] Step S215: performing a credit authorization check based on the target user's communication information. If the target user has not completed the credit authorization, the process jumps to the real-name authentication and credit authorization page.

[0108] During the specific implementation of this step, a credit authorization check is performed based on the communication information of the target user. When the target user has not completed the credit authorization, the page jumps to the real-name authentication and credit authorization page for credit authorization.

[0109] Step S216: After the target user completes the credit authorization operation on the real-name authentication and credit authorization page, the lessee information is extracted;

[0110] During the specific implementation of this step, after the customer's real-name authentication is completed, the front-end platform can call the capp interface to obtain the lessee information, which includes: customer name, ID number, front and back images of ID card, etc., and echo it to the subsequent page.

[0111] Step S217: Based on the lessee information, the credit authorization information, and the channel information, a preset risk control interface is called to perform a risk assessment on the lessee information to obtain a risk assessment result;

[0112] During the specific implementation of this step, if the credit authorization requires manual review, the customer can also enter the subsequent page node to fill in the form. If the lessee's credit authorization completion status is obtained, the risk control interface will be automatically called to run the risk control rating. Input parameters: Lessee basic information + authorization information + channel information; Output parameters: Whether the related person needs credit authorization. The related person can be a spouse or parent, etc. Based on the lessee's information, an assessment is performed. When the lessee's repayment ability is insufficient, credit authorization of the related person is required. When the lessee has sufficient repayment ability, the business order can be generated directly.

[0113] Step S218: When the risk assessment result indicates that the associated person corresponding to the lessee information needs to be authorized for credit investigation, the page is redirected to the authorization page for the associated person corresponding to the lessee information;

[0114] During the specific implementation of this step, a credit authorization check is performed based on the mobile phone number of the associated person. When the associated person has not completed the credit authorization, the process jumps to the real-name authentication and credit authorization page; after the credit authorization operation is completed on the real-name authentication and credit authorization page, the associated person information is extracted to complete the credit authorization operation for the associated person.

[0115] Step S219: After the target user completes the credit authorization operation on the associated person authorization page, the associated person information is extracted to complete the credit authorization operation;

[0116] During the specific implementation of this step, after the target user completes the credit investigation authorization operation on the associated person authorization page, the associated person information is extracted to complete the credit investigation authorization operation.

[0117] Step S220: performing a judgment based on the age information in the tenant information to obtain a judgment result;

[0118] During the specific implementation of this step, a judgment result is obtained based on the age information in the tenant information, a first preset threshold, and a second preset threshold. The first preset threshold is 22 years old, and the second preset threshold is 60 years old. In actual application, the first preset threshold and the second preset threshold can be set according to actual needs.

[0119] Step S221: When the judgment result is that the age information is less than or equal to the first preset threshold and the age information is greater than or equal to the second preset threshold, control the current page to jump to the guarantor information page to obtain the guarantor information;

[0120] During the specific implementation of this step, in response to the target user submitting the guarantee data on the guarantor information page, the current page is controlled to jump from the guarantor information page to the file upload page; in response to the target user clicking on the guarantor ID document submission operation on the file upload page, the current page is controlled to jump from the file upload page to the information confirmation page; in response to the target user clicking on the submit review operation on the information confirmation page, the guarantor information is extracted. When the lessee is less than or equal to 22 years old, and when the lessee is greater than or equal to 60 years old, the lessee information is filled in and the guarantor information page is entered. The guarantor information includes: basic information of the guarantor and work information; the basic information of the guarantor includes field information such as the relationship with the lessee, ID type, ID number, name, gender, date of birth, marital status, authorization method, educational information, and property type; the work information includes field information such as the unit name, unit nature, occupation, and years of work experience in the unit.

[0121] Step S222: Generate an order based on the financing calculation result, the target user's credit authorization result, and the guarantor information to obtain a target business order for the business order creation request;

[0122] During the specific implementation of this step, when the user's credit authorization result is credit authorization passed, and the age of the target user is less than or equal to the first preset threshold and the age information is greater than or equal to the second preset threshold, the business order is generated based on the financing calculation result, the lessee information corresponding to the target user, and the financing product information.

[0123] Step S223: When the judgment result is that the age information is greater than the first preset threshold and less than the second preset threshold, an order is generated based on the financing calculation result and the credit authorization result of the target user to obtain a target business order for the business order creation request.

[0124] During the specific implementation of this step, when the user's credit authorization result is that the credit authorization is passed, and the age information is greater than the first preset threshold and less than the second preset threshold, the business order is generated based on the financing calculation result, the lessee information corresponding to the target user, and the financing product information.

[0125] This application receives a business order creation request from a target user on a target channel client, the business order creation request carries business parameters and business model parameters; compares the business parameters at the current moment with the historical business parameters at the last login moment, and when the business parameters are the same as the historical business parameters and the time interval between the current moment and the last login moment is within a predetermined time range, obtains the order status corresponding to the business order; allows the user to automatically log in within the login time limit without the need for repeated login verification, saving user time and improving user satisfaction; when the order status is the first order status, receives a financing calculation request from the target user, the financing calculation request carries financing parameters; calls a preset financing calculation interface to perform calculations based on the financing parameters, the business parameters, and the business model parameters to obtain a financing calculation result; supports user-defined financing calculation requirements, and generates user-personalized financing calculation results for the user based on the user's actual needs. Generates a business order based at least on the financing calculation result and the credit authorization result of the lessee in the business parameters. This application can realize the automatic generation of financing product business orders, improve the efficiency of order data collection and signing, increase user conversion rate, and enhance the market competitiveness of products.

[0126] Another embodiment of the present application provides a business order generation device, such as Figure 3 Shown, including:

[0127] The first receiving module 1 is configured to receive a target user's service order creation request from a target channel client, wherein the service order creation request carries service parameters and service model parameters;

[0128] Acquisition module 2 is configured to compare the service parameters at the current moment with the historical service parameters at the last login moment, and acquire the order status corresponding to the service order when the service parameters are the same as the historical service parameters and the time interval between the current moment and the last login moment is within a predetermined time range;

[0129] A second receiving module 3 is configured to receive a financing calculation request from the target user when the order status is the first order status, wherein the financing calculation request carries financing parameters;

[0130] Calculation module 4, configured to call a preset financing calculation interface to perform calculations based on the financing parameters, the business parameters, and the business model parameters to obtain financing calculation results;

[0131] The generating module 5 is configured to generate an order based at least on the financing estimation result and the credit authorization result of the lessee in the business parameters, and obtain a target business order for the business order creation request.

[0132] During the specific implementation process, the device also includes a verification module, which is specifically used to: verify the business parameters, the source channel parameters and the business model parameters; when the verification fails, the login fails and enters the first error page to prompt the target user to contact the customer service staff to inquire about the reason for the login failure; when the verification is successful and the order creation fails, or when the verification is successful and the user information synchronization fails, the login fails and enters the second error page to prompt the target user to re-login; when the verification is successful and the order creation is successful, or when the verification is successful and the user information synchronization is successful, the business parameters based on the current moment and the historical business parameters at the previous login moment are compared.

[0133] During the specific implementation process, the device also includes a login module, which is specifically used to: determine the login mode of the target user based on the source channel parameters; when the login mode is a unified login mode, query each protocol template in the preset database based on the source channel parameters to obtain the target protocol template corresponding to the source channel parameters; in response to the target user processing the target protocol template and clicking the login operation, switch the current page to the target login page corresponding to the target protocol template; when the login mode is a non-unified login mode, send the randomly generated first verification information to the communication information carried in the business parameters; receive the second verification information sent by the target user using the communication information; when the first verification information is the same as the second verification information, switch the current page to the target login page.

[0134] During the specific implementation process, the device also includes: a display module, which is specifically used to: the first order status is that there is no associated order, the associated order is in an order cancellation status, and the associated order is in an approval rejection status; the method also includes: when the order status is a second order status, displaying the order details page of the associated order; the second order status is that the associated order is in a review status, the associated order is in a review-passed status, and the associated order is in a pending review status.

[0135] During the specific implementation process, the device also includes: a credit authorization module, which is specifically used to: perform credit authorization detection based on the communication information of the target user, and when the target user has not completed the credit authorization, jump to the real-name authentication and credit authorization page; when the target user completes the credit authorization operation on the real-name authentication and credit authorization page, extract the lessee information; based on the lessee information, credit authorization information and the channel information, call the preset risk control interface to perform risk assessment on the lessee information to obtain a risk assessment result; when the risk assessment result is that credit authorization needs to be performed on the associated person corresponding to the lessee information, jump to the associated person authorization page corresponding to the lessee information; when the target user completes the credit authorization operation on the associated person authorization page, extract the associated person information to complete the credit authorization operation.

[0136] During the specific implementation process, the device also includes a judgment module, which is specifically used to: make a judgment based on the age information in the lessee information to obtain a judgment result; when the judgment result is that the age information is less than or equal to the first preset threshold and the age information is greater than or equal to the second preset threshold, control the current page to jump to the guarantor information page to obtain the guarantor information; the order is generated at least based on the financing calculation result and the credit authorization result of the lessee in the business parameters to obtain the target business order for the business order creation request, specifically including: generating an order based on the financing calculation result, the credit authorization result of the target user and the guarantor information to obtain the target business order for the business order creation request.

[0137] During the specific implementation process, the judgment module is also used to control the current page to jump from the guarantor information page to the file upload page in response to the target user's submission operation of the guarantee data on the guarantor information page; to control the current page to jump from the file upload page to the information confirmation page in response to the target user's submission operation of the guarantor's certificate file on the file upload page; and to extract the guarantor information in response to the target user's submission and review operation on the information confirmation page.

[0138] This application receives a business order creation request from a target user on a target channel client, the business order creation request carries business parameters and business model parameters; compares the business parameters at the current moment with the historical business parameters at the last login moment, and when the business parameters are the same as the historical business parameters and the time interval between the current moment and the last login moment is within a predetermined time range, obtains the order status corresponding to the business order; allows the user to automatically log in within the login time limit without the need for repeated login verification, saving user time and improving user satisfaction; when the order status is the first order status, receives a financing calculation request from the target user, the financing calculation request carries financing parameters; calls a preset financing calculation interface to perform calculations based on the financing parameters, the business parameters, and the business model parameters to obtain a financing calculation result; supports user-defined financing calculation requirements, and generates user-personalized financing calculation results for the user based on the user's actual needs. Generates a business order based at least on the financing calculation result and the credit authorization result of the lessee in the business parameters. This application can realize the automatic generation of financing product business orders, improve the efficiency of order data collection and signing, increase user conversion rate, and enhance the market competitiveness of products.

[0139] Another embodiment of the present application provides a storage medium storing a computer program. When the computer program is executed by a processor, the following method steps are implemented:

[0140] Step 1: Receive a service order creation request from a target user on a target channel client, wherein the service order creation request carries service parameters and service model parameters;

[0141] Step 2: comparing the service parameters at the current moment with the historical service parameters at the last login moment, and when the service parameters are the same as the historical service parameters and the time interval between the current moment and the last login moment is within a predetermined time range, obtaining the order status corresponding to the service order;

[0142] Step 3: When the order status is the first order status, receiving a financing calculation request from the target user, wherein the financing calculation request carries financing parameters;

[0143] Step 4: Calling a preset financing calculation interface to perform calculations based on the financing parameters, the business parameters, and the business model parameters to obtain a financing calculation result;

[0144] Step 5: Generate an order based at least on the financing calculation result and the credit authorization result of the lessee in the business parameters to obtain a target business order for the business order creation request.

[0145] Those skilled in the art will understand that all or part of the processes in the above-mentioned embodiment methods can be implemented by instructing the relevant hardware through a computer program, and the computer program can be stored in a non-volatile computer-readable storage medium. When the computer program is executed, it can include the processes of the embodiments of the above-mentioned methods. Among them, any reference to memory, storage, database or other media used in the embodiments provided in this application may include non-volatile and / or volatile memory. Non-volatile memory may include read-only memory (ROM), programmable ROM (PROM), electrically programmable ROM (EPROM), electrically erasable programmable ROM (EEPROM) or flash memory. Volatile memory may include random access memory (RAM) or external cache memory. By way of illustration and not limitation, RAM is available in many 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 memory bus dynamic RAM (DRDRAM), and memory bus dynamic RAM (RDRAM), etc.

[0146] 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.

[0147] The specific implementation process of the above method steps can be found in the embodiments of any of the above business order generation methods, and this embodiment will not be repeated here.

[0148] This application receives a business order creation request from a target user on a target channel client, the business order creation request carries business parameters and business model parameters; compares the business parameters at the current moment with the historical business parameters at the last login moment, and when the business parameters are the same as the historical business parameters and the time interval between the current moment and the last login moment is within a predetermined time range, obtains the order status corresponding to the business order; allows the user to automatically log in within the login time limit without the need for repeated login verification, saving user time and improving user satisfaction; when the order status is the first order status, receives a financing calculation request from the target user, the financing calculation request carries financing parameters; calls a preset financing calculation interface to perform calculations based on the financing parameters, the business parameters, and the business model parameters to obtain a financing calculation result; supports user-defined financing calculation requirements, and generates user-personalized financing calculation results for the user based on the user's actual needs. Generates a business order based at least on the financing calculation result and the credit authorization result of the lessee in the business parameters. This application can realize the automatic generation of financing product business orders, improve the efficiency of order data collection and signing, increase user conversion rate, and enhance the market competitiveness of products.

[0149] Another embodiment of the present application provides a computer device, which may be a server, and its internal structure diagram may be as follows: Figure 4 As shown. The computer device includes a processor, memory, network interface and 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 via a network connection. The computer device program is executed by the processor to implement the functions or steps on the service side of a business order generation method.

[0150] In one embodiment, a computer device is provided, which may be a client. The internal structure diagram thereof may be as follows: Figure 5As shown. The computer device includes a processor, memory, a network interface, a display screen, and an input device 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 a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system and a computer program. 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 server via a network connection. The computer device program, when executed by the processor, can implement functions or steps on the client side of a business order generation method.

[0151] Another embodiment of the present application provides a computer device, comprising at least a memory and a processor, wherein the memory stores a computer program, and the processor implements the following method steps when executing the computer program in the memory:

[0152] Step 1: Receive a service order creation request from a target user on a target channel client, wherein the service order creation request carries service parameters and service model parameters;

[0153] Step 2: comparing the service parameters at the current moment with the historical service parameters at the last login moment, and when the service parameters are the same as the historical service parameters and the time interval between the current moment and the last login moment is within a predetermined time range, obtaining the order status corresponding to the service order;

[0154] Step 3: When the order status is the first order status, receiving a financing calculation request from the target user, wherein the financing calculation request carries financing parameters;

[0155] Step 4: Calling a preset financing calculation interface to perform calculations based on the financing parameters, the business parameters, and the business model parameters to obtain a financing calculation result;

[0156] Step 5: Generate an order based at least on the financing calculation result and the credit authorization result of the lessee in the business parameters to obtain a target business order for the business order creation request.

[0157] The specific implementation process of the above method steps can be found in the embodiments of any of the above business order generation methods, and this embodiment will not be repeated here.

[0158] This application receives a business order creation request from a target user on a target channel client, the business order creation request carries business parameters and business model parameters; compares the business parameters at the current moment with the historical business parameters at the last login moment, and when the business parameters are the same as the historical business parameters and the time interval between the current moment and the last login moment is within a predetermined time range, obtains the order status corresponding to the business order; allows the user to automatically log in within the login time limit without the need for repeated login verification, saving user time and improving user satisfaction; when the order status is the first order status, receives a financing calculation request from the target user, the financing calculation request carries financing parameters; calls a preset financing calculation interface to perform calculations based on the financing parameters, the business parameters, and the business model parameters to obtain a financing calculation result; supports user-defined financing calculation requirements, and generates user-personalized financing calculation results for the user based on the user's actual needs. Generates a business order based at least on the financing calculation result and the credit authorization result of the lessee in the business parameters. This application can realize the automatic generation of financing product business orders, improve the efficiency of order data collection and signing, increase user conversion rate, and enhance the market competitiveness of products.

[0159] The above embodiments are merely exemplary embodiments of the present application and are not intended to limit the scope of the present application. The scope of protection of the present application is defined by the claims. Those skilled in the art may make various modifications or equivalent substitutions to the present application within the essence and scope of protection of the present application, and such modifications or equivalent substitutions shall also be deemed to fall within the scope of protection of the present application.

Claims

1. A method for generating a business order, characterized in that: include: Receive a business order creation request from a target user on a target channel client, where the business order creation request carries business parameters and business model parameters; Comparing the service parameters at the current moment with the historical service parameters at the last login moment, and obtaining the order status corresponding to the service order when the service parameters are the same as the historical service parameters and the time interval between the current moment and the last login moment is within a predetermined time range; When the order status is the first order status, receiving a financing calculation request from the target user, the financing calculation request carrying financing parameters; Calling a preset financing calculation interface to perform calculations based on the financing parameters, the business parameters, and the business model parameters to obtain a financing calculation result; An order is generated based at least on the financing estimation result and the credit authorization result of the lessee in the business parameters to obtain a target business order for the business order creation request.

2. The method according to claim 1, wherein The service order creation request also carries a source channel parameter. Before comparing the service parameter at the current moment with the historical service parameter at the last login moment, the method further includes: Verifying the business parameters, the source channel parameters, and the business model parameters; When the verification fails, the login fails and enters the first error page to prompt the target user to contact customer service to inquire about the reason for the login failure; When the verification succeeds but the order creation fails, or when the verification succeeds but the user information synchronization fails, the login fails and the second error page is displayed to prompt the target user to log in again; When the verification is successful and the order is created successfully, or when the verification is successful and the user information is synchronized successfully, the comparison between the business parameters based on the current moment and the historical business parameters at the last login moment is performed.

3. The method according to claim 2, wherein The method further comprises: Determining a login mode of the target user based on the source channel parameter; When the login mode is a unified login mode, querying each protocol template in a preset database based on the source channel parameter to obtain a target protocol template corresponding to the source channel parameter; In response to the target user processing the target protocol template and clicking a login operation, switching the current page to a target login page corresponding to the target protocol template; When the login mode is a non-uniform login mode, sending the randomly generated first verification information to the communication information carried in the service parameter; receiving second verification information sent by the target user using the communication information; When the first verification information is the same as the second verification information, the current page is switched to the target login page.

4. The method according to claim 1, wherein The first order status is that there is no associated order, the associated order is in an order cancellation status, or the associated order is in an approval rejection status; The method further comprises: When the order status is the second order status, displaying the order details page of the associated order; The second order status is the associated order being in the review status, the associated order being in the review-passed status, and the associated order being in the pending review status.

5. The method according to claim 1, wherein Before generating an order based at least on the financing estimation result and the credit authorization result of the lessee in the business parameters, the method further includes: Perform a credit authorization check based on the target user's communication information. If the target user has not completed the credit authorization, jump to the real-name authentication and credit authorization page; After the target user completes the credit authorization operation on the real-name authentication and credit authorization page, the lessee information is extracted; Based on the lessee information, the credit authorization information, and the channel information, a preset risk control interface is called to perform a risk assessment on the lessee information to obtain a risk assessment result; When the risk assessment result indicates that the credit authorization of the associated person corresponding to the lessee information is required, jump to the authorization page of the associated person corresponding to the lessee information; After the target user completes the credit investigation authorization operation on the associated person authorization page, the associated person information is extracted to complete the credit investigation authorization operation.

6. The method according to claim 5, wherein The method further comprises: Perform judgment based on the age information in the tenant information to obtain a judgment result; When the judgment result is that the age information is less than or equal to the first preset threshold and the age information is greater than or equal to the second preset threshold, controlling the current page to jump to the guarantor information page to obtain the guarantor information; Generating an order based at least on the financing estimation result and the credit authorization result of the lessee in the business parameters to obtain a target business order for the business order creation request specifically includes: An order is generated based on the financing estimation result, the credit authorization result of the target user and the guarantor information to obtain a target business order for the business order creation request.

7. The method according to claim 6, wherein The control jumps the current page to the guarantor information page to obtain the guarantor information, specifically including: In response to the target user submitting the guarantee data on the guarantor information page, controlling the current page to jump from the guarantor information page to the file upload page; In response to the target user clicking on the submit operation of the guarantor's ID file on the file upload page, controlling the current page to jump from the file upload page to the information confirmation page; In response to the target user clicking a submit review operation on the information confirmation page, the guarantor information is extracted.

8. A business order generating device, characterized in that: include: A first receiving module is configured to receive a business order creation request from a target user at a target channel client, wherein the business order creation request carries business parameters and business model parameters; an acquisition module, configured to compare the business parameters at the current moment with the historical business parameters at the last login moment, and acquire an order status corresponding to the business order when the business parameters are the same as the historical business parameters and the time interval between the current moment and the last login moment is within a predetermined time range; A second receiving module is configured to receive a financing calculation request from the target user when the order status is the first order status, wherein the financing calculation request carries financing parameters; A calculation module, configured to call a preset financing calculation interface to perform calculations based on the financing parameters, the business parameters, and the business model parameters to obtain a financing calculation result; A generation module is used to generate an order based on at least the financing calculation result and the credit authorization result of the lessee in the business parameters, and obtain a target business order for the business order creation request.

9. A storage medium, characterized in that: The storage medium stores a computer program, and when the computer program is executed by the processor, the steps of the business order generation method according to any one of claims 1 to 7 are implemented.

10. A computer device, characterized in that: The system comprises at least a memory and a processor, wherein the memory stores a computer program, and the processor implements the steps of the business order generation method according to any one of claims 1 to 7 when executing the computer program on the memory.

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