Financing business credit granting method and device, storage medium and product

Abstract

The invention discloses a financing business credit granting method and device, a storage medium and a product, and relates to the technical field of finance, and the method comprises the steps: configuring business process nodes through a visual interface based on a public basic component, the public basic component is packaged according to interfaces of basic service actions of financing business credit granting processes corresponding to different financing products; arranging the business process nodes according to a preset series rule to generate complete process definition data; and analyzing the complete process definition data, and generating a schedulable execution instruction sequence to execute the financing business credit granting process. According to the application, business actions of credit granting processes of different financing products are modularized, and business process reuse among different products is realized; visual arrangement and display of the product process are realized in a configuration mode; the complete process definition data is analyzed and converted into a schedulable execution instruction sequence, the business process is completed, rapid configuration development of different product processes is supported, and the product research and development efficiency is improved.

Description

Technical Field

[0001] The present application relates to the field of financial technology, and in particular to a financing business credit granting method, equipment, storage medium and product. Background Art

[0002] With the development of financial credit business, financing products targeting different customer groups and different trade scenarios are emerging in an endless stream. Different products show differences in process design and business rules, which makes the implementation method of the corresponding information technology system closely coupled with the financing product design. The credit process between different products cannot be reused, and the design process cannot be visualized, which leads to low product R&D efficiency and long R&D cycle. Summary of the Invention

[0003] The main purpose of this application is to provide a financing business credit granting method, equipment, storage medium and product, aiming to solve the technical problem that the credit granting process between different financing products cannot be reused, resulting in low product development efficiency.

[0004] To achieve the above objectives, this application proposes a financing business credit granting method, which includes:

[0005] Configure business process nodes through a visual interface based on public basic components. The public basic components are pre-packaged according to the underlying public service interfaces corresponding to different financing products. The underlying public service interfaces are interfaces corresponding to the basic service actions of the financing business credit process.

[0006] Arrange the business process nodes according to preset serial rules to generate complete process definition data;

[0007] The complete process definition data is parsed to generate a schedulable execution instruction sequence, and the financing business credit process is executed based on the execution instruction sequence.

[0008] In one embodiment, the common basic component includes at least one of component basic information, component input parameters, component output parameters, underlying service interface identifier, product personalized processing logic, general processing logic, and underlying interface call rule information.

[0009] In one embodiment, the step of configuring the business process nodes through a visual interface based on the common basic components includes:

[0010] When a user drag operation on a common basic component is detected in the visual interface, the common basic component is added to the business process node;

[0011] The serial and parallel logic between components and the conditional judgment rules of process branches are configured in the business process node.

[0012] In one embodiment, the business process node includes at least one of node basic information, node input parameters, node output parameters, and intra-node process logic; the intra-node process logic is formed by arranging the common basic components in the business process node according to product business rules; the product business rules include at least one of inter-component series rules, inter-component parallel rules, and multi-conditional branch rules.

[0013] In one embodiment, the complete process definition data includes at least one of process basic information, process input parameters, process output parameters, related node information, and concatenation information between the related node information.

[0014] In one embodiment, the steps of parsing the complete process definition data, generating a schedulable execution instruction sequence, and executing the financing business credit granting process based on the execution instruction sequence include:

[0015] Receive a product request input by a user, and parse the complete process definition data according to the product request to obtain a process definition node list;

[0016] Execute the target nodes in the process definition node list one by one according to the request input parameters in the product request;

[0017] Determine the public basic component information corresponding to the target node;

[0018] The target component corresponding to the public basic component information is executed according to the node input parameters of the target node, a schedulable execution instruction sequence is generated, and a financing business credit process is executed based on the execution instruction sequence.

[0019] In one embodiment, the step of executing the target component corresponding to the common basic component information according to the node input parameter of the target node includes:

[0020] Determine whether the target component corresponding to the public basic component information has multiple process branches according to the node input parameter of the target node;

[0021] If there are multiple process branches, determining a judgment factor field in the node input parameter of the target node according to a preset branch rule, and determining a target branch in the multiple process branches according to the judgment factor field, or determining a target branch in the multiple process branches according to a preset branch expression;

[0022] The node input parameters are converted into component input parameters corresponding to the target component according to a preset conversion rule, and the target component is executed according to the component input parameters.

[0023] In addition, to achieve the above-mentioned purpose, the present application also proposes a financing business credit granting device, which includes:

[0024] A business process node configuration module, which is used to configure business process nodes through a visual interface based on common basic components. The common basic components are pre-packaged according to the underlying public service interfaces corresponding to different financing products. The underlying public service interfaces are interfaces corresponding to the basic service actions of the financing business credit process;

[0025] A business process node arrangement module is used to arrange the business process nodes according to preset serial connection rules to generate complete process definition data;

[0026] The financing business credit execution module is used to parse the complete process definition data, generate a schedulable execution instruction sequence, and execute the financing business credit process based on the execution instruction sequence.

[0027] In addition, to achieve the above-mentioned purpose, the present application also proposes a financing business credit granting device, which includes: a memory, a processor, and a computer program stored on the memory and executable on the processor, and the computer program is configured to implement the steps of the financing business credit granting method as described above.

[0028] In addition, to achieve the above-mentioned purpose, the present application also proposes a storage medium, which is a computer-readable storage medium, and a computer program is stored on the storage medium. When the computer program is executed by the processor, the steps of the financing business credit granting method as described above are implemented.

[0029] In addition, to achieve the above-mentioned purpose, the present application also provides a computer program product, which includes a computer program, and when the computer program is executed by a processor, it implements the steps of the financing business credit granting method as described above.

[0030] This application provides a financing business credit granting method, which configures business process nodes through a visual interface based on public basic components. The public basic components are pre-packaged according to the underlying public service interfaces corresponding to different financing products. The underlying public service interfaces are interfaces corresponding to the basic service actions of the financing business credit granting process; the business process nodes are orchestrated according to preset serial rules to generate complete process definition data; the complete process definition data is parsed to generate a schedulable execution instruction sequence, and the financing business credit granting process is executed based on the execution instruction sequence. This application componentizes the business actions of the credit granting process of different financing products to achieve business process reuse between different products; realizes visual orchestration and presentation of product processes through configuration; parses the complete process definition data and converts it into a schedulable execution instruction sequence to complete the business process, support rapid configuration development of different product processes, and improve product R&D efficiency. BRIEF DESCRIPTION OF THE DRAWINGS

[0031] The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the present application and, together with the description, serve to explain the principles of the present application.

[0032] In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the following briefly introduces the drawings required for use in the embodiments or the description of the prior art. Obviously, for ordinary technicians in this field, other drawings can be obtained based on these drawings without any creative work.

[0033] Figure 1 A flowchart of the first embodiment of the credit granting method for applying for financing business is provided;

[0034] Figure 2 This is a schematic diagram of the packaging process of the common basic components in this application;

[0035] Figure 3 A flowchart of the second embodiment of the credit granting method for applying for financing business is provided;

[0036] Figure 4 A flowchart for visualizing the process flow in this application;

[0037] Figure 5 A flowchart of the third embodiment of the credit granting method for applying for financing business is provided;

[0038] Figure 6 A flowchart illustrating the business process in this application;

[0039] Figure 7 This is a schematic diagram of the module structure of the credit granting device for financing business according to the embodiment of the present application;

[0040] Figure 8This is a schematic diagram of the device structure of the hardware operating environment involved in the financing business credit granting method in the embodiment of the present application.

[0041] The purpose, features and advantages of this application will be further explained in conjunction with the embodiments and with reference to the accompanying drawings. DETAILED DESCRIPTION

[0042] It should be understood that the specific embodiments described herein are merely used to explain the technical solutions of the present application and are not intended to limit the present application.

[0043] In order to better understand the technical solution of the present application, a detailed description will be given below in conjunction with the accompanying drawings and specific implementation methods.

[0044] The main solution of the embodiment of the present application is: configuring business process nodes through a visual interface based on public basic components, the public basic components are pre-packaged according to the underlying public service interfaces corresponding to different financing products, and the underlying public service interfaces are interfaces corresponding to the basic service actions of the financing business credit process; arranging the business process nodes according to preset serial rules to generate complete process definition data; parsing the complete process definition data to generate a schedulable execution instruction sequence, and executing the financing business credit process based on the execution instruction sequence.

[0045] With the development of financial credit business in existing technologies, financing products targeting different customer groups and different trade scenarios emerge in an endless stream. Different products show differences in process design and business rules, which makes the implementation method of the corresponding information technology system closely coupled with the financing product design. The credit process between different products cannot be reused, and the design process cannot be visualized, which leads to low product R&D efficiency and long R&D cycle.

[0046] This application provides a solution, which configures business process nodes through a visual interface based on common basic components. Common basic components are pre-packaged according to the underlying public service interfaces corresponding to different financing products. The underlying public service interfaces are interfaces corresponding to the basic service actions of the financing business credit process; the business process nodes are orchestrated according to preset serial rules to generate complete process definition data; the complete process definition data is parsed to generate a schedulable execution instruction sequence, and the financing business credit process is executed based on the execution instruction sequence. This application componentizes the business actions of the credit process of different financing products to achieve business process reuse between different products; realizes visual orchestration and presentation of product processes through configuration; parses the complete process definition data and converts it into a schedulable execution instruction sequence to complete the business process, support the rapid configuration development of different product processes, and improve product R&D efficiency.

[0047] It should be noted that the execution entity of the method of this embodiment can be a computing service device with financing business credit granting, network communication, and program execution functions, such as a tablet computer, personal computer, mobile phone, etc.; it can also be a financing business credit granting device with the same or similar functions. This embodiment and the following embodiments will be described using the financing business credit granting device as an example.

[0048] Based on this, the present application embodiment provides a financing business credit granting method, referring to Figure 1 , Figure 1 This is a flow chart of the first embodiment of the credit granting method for applying for financing business.

[0049] In this embodiment, the financing business credit granting method includes steps S10 to S30:

[0050] Step S10: Configure the business process nodes through a visual interface based on the public basic components. The public basic components are pre-packaged according to the underlying public service interfaces corresponding to different financing products. The underlying public service interfaces are interfaces corresponding to the basic service actions of the financing business credit process.

[0051] It's understandable that by standardizing and encapsulating the fundamental service actions involved in the financing business processes of different financing products, such as risk control, credit application, credit approval, withdrawal, and repayment, through componentization, a common basic component library for financing service capabilities can be formed. This allows different products to directly reuse basic components without the need for repeated development and implementation. Furthermore, business process nodes can be configured in a visual interface based on these common basic components.

[0052] In a feasible implementation, the common basic component includes at least one of component basic information, component input parameters, component output parameters, underlying service interface identifier, product personalized processing logic, general processing logic, and underlying interface call rule information.

[0053] It should be noted that the public basic component is a standardized abstraction of the underlying public service interface. The component definition includes but is not limited to the following key fields: basic component information (such as component instance number, component name, etc.), among which, component instance number: technical serial number, used to uniquely identify the component; component name: used to describe the component scenario and purpose; component input parameters: used to identify the parameters that need to be passed in when calling the component; component output parameters: used to identify the output parameters returned after the component is executed; underlying service interface identifier: used to identify the domain name and URL of the underlying service interface called; calling method: used to identify whether the component is called synchronously or asynchronously. At the same time, the underlying public services called by different products are the same. An underlying service is encapsulated as a common basic component. A basic component includes a product personalization processing layer, a general logic conversion layer, and a communication call layer, which are respectively responsible for the product personalization logic implementation, the platform common logic implementation, and the communication call of the underlying service interface.

[0054] It is worth mentioning that you can refer to Figure 2 Describe the packaging process for common basic components. Through a visual interface, define basic component information, input and output parameters, product customization processing logic, general processing logic, and underlying interface call rules. Then, trigger automated code generation through an interface button. The interface-defined input and output parameters, various conversion rules, and underlying interface call rules are converted into the component's specific implementation class according to the code module. The code is then exported and copied to the editor. Submit to the code repository using a unified code version management tool; simultaneously, save the component definition information to the component configuration database.

[0055] Step S20: Arrange the business process nodes according to preset serial connection rules to generate complete process definition data.

[0056] As you can understand, components are configured through a visual front-end interface to form business process nodes, assembling complete process definition data and supporting the query and maintenance of existing product processes. The complete process definition data is abstracted into a three-layer structure of components, nodes, and processes, corresponding to the underlying atomic service interface, the credit business stage, and the complete business process, respectively.

[0057] In a feasible implementation manner, the complete process definition data includes at least one of process basic information, process input parameters, process output parameters, related node information, and serial connection information between the related node information.

[0058] It should be noted that complete process definition data is a standardized abstraction of the complete product process. A complete business process consists of several nodes connected in series. Complete process definition data may include, but is not limited to, the following key information: basic process information (e.g., process number, process description, etc.), including: process number: a technical serial number that uniquely identifies a product process; process description: used to describe the product and business scenario corresponding to the process; involved nodes: used to describe which of the 13 standard nodes the process involves and how the nodes are connected in series; process input parameters: used to identify the parameters required to call the process; process output parameters: used to identify the output parameters returned after the node is executed.

[0059] Step S30: parsing the complete process definition data to generate a schedulable execution instruction sequence, and executing the financing business credit process based on the execution instruction sequence.

[0060] It should be noted that in this embodiment, the process parser parses the predefined complete process definition data according to unified rules and converts it into a series of execution instruction sequences for scheduling and execution by the unified scheduling module, thereby completing the advancement of the financing business credit process.

[0061] This embodiment provides a financing business credit granting method, which configures business process nodes through a visual interface based on public basic components. The public basic components are pre-packaged according to the underlying public service interfaces corresponding to different financing products. The underlying public service interfaces are interfaces corresponding to the basic service actions of the financing business credit granting process; the business process nodes are orchestrated according to preset serial rules to generate complete process definition data; the complete process definition data is parsed to generate a schedulable execution instruction sequence, and the financing business credit granting process is executed based on the execution instruction sequence. This embodiment componentizes the business actions of the credit granting process of different financing products to achieve business process reuse between different products; realizes visual orchestration and presentation of product processes through configuration; parses the complete process definition data and converts it into a schedulable execution instruction sequence to complete the business process, support the rapid configuration development of different product processes, and improve product R&D efficiency.

[0062] Based on the first embodiment of the present application, in the second embodiment of the present application, the same or similar contents as those in the above embodiment 1 can be referred to the above introduction and will not be described in detail later. Figure 3 , step S10, the financing business credit granting method further includes steps S101 to S102:

[0063] Step S101 : when a user dragging operation on a common basic component is detected in a visual interface, the common basic component is added to a business process node.

[0064] Understandably, one can refer to Figure 4 This section describes the detailed process flow of visual process orchestration. Through a visual front-end interface, users configure processes by dragging and dropping common infrastructure components, assembling them into complete product process definitions. The interface also supports querying and maintaining existing product processes. Process definitions are abstracted into a three-layer structure: components, nodes, and processes, corresponding to the underlying atomic service interface, the credit business phase, and the complete business process.

[0065] Step S102: configuring the serial and parallel logic between components and the conditional judgment rules for process branches in the business process node.

[0066] It should be noted that visual process orchestration is implemented according to the process of defining the process, arranging the logic within the node, and saving the process definition data. When arranging the process within the node, it supports executing different logical branches based on certain conditions to support the demand for differentiated design of business processes in different business scenarios.

[0067] In a feasible implementation, the business process node includes at least one of node basic information, node input parameters, node output parameters, and intra-node process logic; the intra-node process logic is formed by arranging the common basic components in the business process node according to product business rules; the product business rules include at least one of inter-component series rules, inter-component parallel rules, and multi-conditional branch rules.

[0068] It's important to note that a business process node is a standardized abstraction of the credit business stage, consisting of several components and process branches. A typical product process includes 13 standard nodes: marketing screening, financing intention, credit access, credit approval, agreement preparation, agreement underwriting, credit limit effectiveness, credit limit utilization, contract preparation, contract underwriting, contract effectiveness, loan disbursement, and loan maintenance.

[0069] It is understandable that the node definition may include but is not limited to the following key information: node basic information (for example, node instance number, node name, etc.), where the node instance number is the technical serial number used to uniquely identify a node in a product process; the node name is used to describe the product and business process stage corresponding to the node; the process logic within the node is the local process definition formed by the relevant components under the node according to the product business rules, which supports series and parallel connection between components and supports multi-conditional branch paths; the node input parameters are used to identify the parameters that need to be passed in when calling the node; the node output parameters are used to identify the output parameters returned after the node is executed.

[0070] In this embodiment, users drag and drop components in a visual interface to build business process nodes, improving component reusability and R&D efficiency. By configuring the series and parallel logic between components and the conditional judgment rules for process branches, the accuracy of the orchestration is improved. Furthermore, by pre-defining standard nodes, standardized business stage units are provided for process orchestration, improving both efficiency and accuracy.

[0071] Based on the first embodiment of the present application, in the third embodiment of the present application, the same or similar contents as those in the first embodiment can be referred to the above introduction and will not be described in detail later. Figure 5 , step S30, the financing business credit granting method further includes steps S301 to S304:

[0072] Step S301 : receiving a product request input by a user, and parsing the complete process definition data according to the product request to obtain a process definition node list.

[0073] It is worth mentioning that you can refer to Figure 6 This section describes the process of business process analysis. After receiving a product request from a user, the predefined process orchestration data is searched using information such as the request flow field carried in the product request to obtain a list of process definition nodes.

[0074] Step S302 : executing target nodes in the process definition node list one by one according to the request input parameters in the product request.

[0075] It's understood that nodes are executed one by one in a predefined order, and each node requires input and output parameter conversion. This involves converting the request's incoming parameters into the corresponding node parameters for the target node in the process definition's node list. Execution within the node is performed using a pre-coded node parser.

[0076] Step S303: Determine the public basic component information corresponding to the target node.

[0077] It should be understood that the predefined node orchestration data is queried according to the node instance number of the target node, thereby determining the public basic component information corresponding to the target node.

[0078] Step S304: executing the target component corresponding to the public basic component information according to the node input parameters of the target node, generating a schedulable execution instruction sequence, and executing the financing business credit process based on the execution instruction sequence.

[0079] It is understood that the common basic components under the above-identified items are executed one by one in a predefined order, and each component needs to convert its input and output parameters during execution. That is, the node input parameters corresponding to the target node are converted to the component input parameters corresponding to the target component. After the component is executed, the node output parameters corresponding to the target node can also be converted to the component output parameters corresponding to the target component.

[0080] It should be understood that because the underlying interfaces are deployed in different underlying systems, their call methods, message formats, and communication rules vary. Therefore, predefined conversion rules are required to complete the call. Upon completion of component execution, the node is notified. Upon completion of node execution, the process is notified. Upon completion of the process, the caller is notified and the business results are returned. Furthermore, additional notifications to the caller are supported after node execution, which can be predefined during process orchestration.

[0081] In a feasible implementation manner, the step S304 further includes steps S3041 to S3043:

[0082] Step S3041 , judging whether the target component corresponding to the public basic component information has multiple process branches according to the node input parameter of the target node.

[0083] Step S3042: If there are multiple process branches, the judgment factor field is determined in the node input parameter of the target node according to the preset branch rule, and the target branch is determined in the multiple process branches according to the judgment factor field, or the target branch is determined in the multiple process branches according to the preset branch expression.

[0084] Step S3043: convert the node input parameters into component input parameters corresponding to the target component according to a preset conversion rule, and execute the target component according to the component input parameters.

[0085] It should be noted that when executing each component, the input and output parameters can be converted. According to the node input parameters of the target node, it is judged whether the target component corresponding to the public basic component information has multiple process branches. If it involves multi-process branch judgment, the parser captures the judgment factor field from the node input parameters according to the predefined branch rules, and determines the target branch in the multi-process branch according to the judgment factor field. Or calculate according to the predefined branch expression, and determine which branch to execute based on the result of the expression calculation. Finally, the execution within the component is parsed and executed by the pre-coded component parser.

[0086] In this embodiment, the specific execution of the process parsing steps and the logical relationships between the sub-steps demonstrate the automated and intelligent features of the process parser, ensuring the smooth advancement of the business process. By determining whether the target component has multiple process branches, and if so, determining the target branch within the multiple process branches based on preset branch rules or preset branch expressions, and converting node input parameters into component input parameters to execute the target component, component calls can be completed accurately and efficiently.

[0087] It should be noted that the above examples are only used to understand this application and do not constitute a limitation on the credit granting method for the financing business of this application. More simple transformations based on this technical concept are all within the scope of protection of this application.

[0088] This application also provides a financing business credit device, please refer to Figure 7 , the financing business credit granting device includes:

[0089] A business process node configuration module 10 is used to configure business process nodes through a visual interface based on common basic components. The common basic components are pre-packaged according to the underlying public service interfaces corresponding to different financing products. The underlying public service interfaces are interfaces corresponding to the basic service actions of the financing business credit process;

[0090] A business process node arrangement module 20 is used to arrange the business process nodes according to preset serial connection rules to generate complete process definition data;

[0091] The financing business credit execution module 30 is used to parse the complete process definition data, generate a schedulable execution instruction sequence, and execute the financing business credit process based on the execution instruction sequence.

[0092] The financing business credit granting device provided in this application utilizes the financing business credit granting method of the above-mentioned embodiment to resolve the technical problem. Compared with the prior art, the beneficial effects of the financing business credit granting device provided in this application are the same as those of the financing business credit granting method provided in the above-mentioned embodiment. The other technical features of the financing business credit granting device are the same as those disclosed in the above-mentioned embodiment and are not further described here.

[0093] The present application provides a financing business credit granting device, which includes: at least one processor; and a memory communicatively connected to the at least one processor; wherein the memory stores instructions that can be executed by the at least one processor, and the instructions are executed by the at least one processor so that the at least one processor can execute the financing business credit granting method in the above-mentioned embodiment one.

[0094] Reference below Figure 8, which shows a schematic diagram of the structure of a financing business credit granting device suitable for implementing the embodiments of the present application. The financing business credit granting device in the embodiments of the present application may include, but is not limited to, mobile terminals such as mobile phones, laptop computers, digital broadcast receivers, PDAs (Personal Digital Assistants), PADs (Portable Application Descriptions), PMPs (Portable Media Players), in-vehicle terminals (such as in-vehicle navigation terminals), and fixed terminals such as digital TVs and desktop computers. Figure 8 The financing business credit granting device shown is merely an example and should not impose any limitations on the functions and scope of use of the embodiments of the present application.

[0095] like Figure 8 As shown, the financing service credit granting device may include a processing device 1001 (e.g., a central processing unit, graphics processing unit, etc.), which can perform various appropriate actions and processes based on programs stored in a read-only memory 1002 or programs loaded from a storage device 1003 into a random access memory 1004. The random access memory 1004 also stores various programs and data required for the operation of the financing service credit granting device. The processing device 1001, the read-only memory 1002, and the random access memory 1004 are interconnected via a bus 1005. An input / output interface 1006 is also connected to the bus. Typically, the following systems may be connected to the input / output interface 1006: an input device 1007 including, for example, a touch screen, touchpad, keyboard, mouse, image sensor, microphone, accelerometer, gyroscope, etc.; an output device 1008 including, for example, a liquid crystal display (LCD), speaker, vibrator, etc.; a storage device 1003 including, for example, a magnetic tape or hard disk; and a communication device 1009. Communication device 1009 can allow the financing service credit granting device to communicate wirelessly or wired with other devices to exchange data. Although the figure shows a financing service credit granting device with various systems, it should be understood that it is not required to implement or include all of the systems shown. More or fewer systems may be implemented or included instead.

[0096] In particular, according to the embodiments disclosed in the present application, the processes described above with reference to the flowcharts can be implemented as computer software programs. For example, the embodiments disclosed in the present application include a computer program product comprising a computer program carried on a computer-readable medium, the computer program comprising program code for executing the method shown in the flowchart. In such an embodiment, the computer program can be downloaded and installed from a network via a communication device, or installed from a storage device 1003, or installed from a ROM 1002. When the computer program is executed by the processing device 1001, the above-mentioned functions defined in the method of the embodiment disclosed in the present application are executed.

[0097] The financing business credit granting device provided in this application, employing the financing business credit granting method of the above-described embodiment, can resolve the technical issues of financing business credit granting. Compared with the prior art, the beneficial effects of the financing business credit granting device provided in this application are the same as those of the financing business credit granting method provided in the above-described embodiment. The other technical features of the financing business credit granting device are the same as those disclosed in the above-described embodiment and are not further described here.

[0098] It should be understood that the various parts disclosed in this application can be implemented using hardware, software, firmware, or a combination thereof. In the description of the above embodiments, specific features, structures, materials, or characteristics can be combined in any one or more embodiments or examples in a suitable manner.

[0099] The above description is merely a specific embodiment of the present application, but the scope of protection of the present application is not limited thereto. Any changes or substitutions that can be easily conceived by a person skilled in the art within the technical scope disclosed in this application should be included in the scope of protection of this application. Therefore, the scope of protection of this application should be based on the scope of protection of the claims.

[0100] The present application provides a computer-readable storage medium having computer-readable program instructions (ie, computer programs) stored thereon, and the computer-readable program instructions are used to execute the financing business credit granting method in the above-mentioned embodiment.

[0101] The computer-readable storage medium provided in this application may be, for example, a USB flash drive, but is not limited to electrical, magnetic, optical, electromagnetic, infrared, or semiconductor systems, systems or devices, or any combination thereof. More specific examples of computer-readable storage media may include, but are not limited to: an electrical connection with one or more wires, a portable computer disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination thereof. In this embodiment, the computer-readable storage medium may be any tangible medium that contains or stores a program that can be used by or in conjunction with an instruction execution system, system or device. The program code contained on the computer-readable storage medium may be transmitted using any appropriate medium, including but not limited to: wires, optical cables, RF (Radio Frequency), etc., or any suitable combination thereof.

[0102] The computer-readable storage medium may be included in the financing business credit granting device; or it may exist independently without being assembled into the financing business credit granting device.

[0103] The above-mentioned computer-readable storage medium carries one or more programs. When the above-mentioned one or more programs are executed by the financing business credit granting device, the financing business credit granting device: configures the business process nodes through a visual interface based on the public basic components, and the public basic components are pre-packaged according to the underlying public service interfaces corresponding to different financing products, and the underlying public service interfaces are interfaces corresponding to the basic service actions of the financing business credit granting process; arranges the business process nodes according to preset serial rules to generate complete process definition data; parses the complete process definition data to generate a schedulable execution instruction sequence, and executes the financing business credit granting process based on the execution instruction sequence.

[0104] Computer program code for performing the operations of the present application may be written in one or more programming languages, or a combination thereof, including object-oriented programming languages ​​such as Java, Smalltalk, C++, and conventional procedural programming languages ​​such as "C" or similar programming languages. The program code may be executed entirely on the user's computer, partially on the user's computer, as a stand-alone software package, partially on the user's computer and partially on a remote computer, or entirely on the remote computer or server. In cases involving a remote computer, the remote computer may be connected to the user's computer through any type of network, including a local area network (LAN) or a wide area network (WAN), or may be connected to an external computer (e.g., through the Internet using an Internet service provider).

[0105] The flow charts and block diagrams in the accompanying drawings illustrate the possible architecture, functions and operations of the systems, methods and computer program products according to various embodiments of the present application. In this regard, each box in the flow chart or block diagram can represent a module, program segment or a part of code, and the module, program segment or a part of code contains one or more executable instructions for realizing the specified logical function. It should also be noted that in some alternative implementations, the functions marked in the box can also occur in a different order than that marked in the accompanying drawings. For example, two boxes represented in succession can actually be executed substantially in parallel, and they can sometimes be executed in the opposite order, depending on the functions involved. It should also be noted that each box in the block diagram and / or flow chart, and the combination of the boxes in the block diagram and / or flow chart can be implemented by a dedicated hardware-based system that performs the specified function or operation, or can be implemented by a combination of dedicated hardware and computer instructions.

[0106] The modules described in the embodiments of the present application may be implemented in software or hardware, wherein the name of a module does not necessarily limit the unit itself.

[0107] The computer-readable storage medium provided in this application is a computer-readable storage medium that stores computer-readable program instructions (i.e., a computer program) for executing the aforementioned credit granting method for financing services, thereby resolving the technical problem. Compared to the prior art, the beneficial effects of the computer-readable storage medium provided in this application are the same as those of the credit granting method for financing services provided in the aforementioned embodiments, and are not further elaborated here.

[0108] The present application also provides a computer program product, comprising a computer program, which implements the steps of the above-mentioned financing business credit granting method when executed by a processor.

[0109] The computer program product provided in this application can solve technical problems. Compared with the prior art, the beneficial effects of the computer program product provided in this application are the same as those of the financing business credit granting method provided in the above embodiment, and will not be repeated here.

[0110] The above description is only part of the embodiments of the present application and does not limit the patent scope of the present application. All equivalent structural transformations made by using the contents of the present application specification and drawings under the technical concept of the present application, or direct / indirect application in other related technical fields are included in the patent protection scope of the present application.

Claims

1. A credit granting method for financing business, characterized in that: The method includes: Configure business process nodes through a visual interface based on public basic components. The public basic components are pre-packaged according to the underlying public service interfaces corresponding to different financing products. The underlying public service interfaces are interfaces corresponding to the basic service actions of the financing business credit process. Arrange the business process nodes according to preset serial rules to generate complete process definition data; The complete process definition data is parsed to generate a schedulable execution instruction sequence, and the financing business credit process is executed based on the execution instruction sequence.

2. The method according to claim 1, wherein The common basic component includes at least one of component basic information, component input parameters, component output parameters, underlying service interface identifier, product personalized processing logic, general processing logic, and underlying interface calling rule information.

3. The method according to claim 1, wherein The step of configuring the business process nodes through a visual interface based on the common basic components includes: When a user drag operation on a common basic component is detected in the visual interface, the common basic component is added to the business process node; The serial and parallel logic between components and the conditional judgment rules of process branches are configured in the business process node.

4. The method according to claim 3, wherein The business process node includes at least one of node basic information, node input parameters, node output parameters, and node internal process logic; the node internal process logic is formed by arranging the common basic components in the business process node according to the product business rules; the product business rules include at least one of inter-component series rules, inter-component parallel rules, and multi-conditional branch rules.

5. The method according to claim 1, wherein The complete process definition data includes at least one of process basic information, process input parameters, process output parameters, related node information, and serial connection information between the related node information.

6. The method according to claim 1, wherein The step of parsing the complete process definition data to generate a schedulable execution instruction sequence, and executing the financing business credit process based on the execution instruction sequence includes: Receive a product request input by a user, and parse the complete process definition data according to the product request to obtain a process definition node list; Execute the target nodes in the process definition node list one by one according to the request input parameters in the product request; Determine the public basic component information corresponding to the target node; The target component corresponding to the public basic component information is executed according to the node input parameters of the target node, a schedulable execution instruction sequence is generated, and a financing business credit process is executed based on the execution instruction sequence.

7. The method according to claim 6, wherein The step of executing the target component corresponding to the common basic component information according to the node input parameter of the target node includes: Determine whether the target component corresponding to the public basic component information has multiple process branches according to the node input parameter of the target node; If there are multiple process branches, determining a judgment factor field in the node input parameter of the target node according to a preset branch rule, and determining a target branch in the multiple process branches according to the judgment factor field, or determining a target branch in the multiple process branches according to a preset branch expression; The node input parameters are converted into component input parameters corresponding to the target component according to a preset conversion rule, and the target component is executed according to the component input parameters.

8. A credit granting device for financing business, characterized in that: The device includes: a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the computer program is configured to implement the steps of the financing business credit granting method according to any one of claims 1 to 7.

9. A storage medium, characterized in that: The storage medium is a computer-readable storage medium, and a computer program is stored on the storage medium. When the computer program is executed by a processor, the steps of the financing business credit granting method according to any one of claims 1 to 7 are implemented.

10. A computer program product, characterized in that The computer program product includes a computer program, and when the computer program is executed by a processor, the steps of the financing business credit granting method according to any one of claims 1 to 7 are implemented.

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