Covered product uniqueness identification method, apparatus and device, and storage medium

Abstract

The invention discloses a prison uniqueness identification method, device and equipment and a storage medium, relates to the technical field of prison management, and discloses a prison uniqueness identification method comprising the following steps: clearing stock prison data based on a prison type to obtain updated stock prison data; determining a target uniqueness identification strategy according to the type of the to-be-input detained product, and obtaining data of the to-be-input detained product; and performing uniqueness identification on the to-be-input prison product data based on the to-be-input prison product type and the stock prison product data through the target uniqueness identification strategy to obtain a prison product uniqueness identification result. According to the scheme of the invention, the second-detention risk of the detention product can be effectively identified to control repeated entry of the detention product.

Description

Technical Field

[0001] The present application relates to the field of collateral management technology, and in particular to a method, apparatus, device, and storage medium for uniquely identifying collateral. Background Art

[0002] With the continuous development of the financial market, the types of collateral are becoming increasingly diverse, reaching over 180. Collateral plays a key role in banks' credit operations, providing guarantees for loans and reducing the risk of default.

[0003] Currently, banks primarily manage collateral through a combination of manual data entry and system-assisted management. However, due to the wide variety of collateral, different branches and departments are prone to data confusion, duplication, and inconsistency when entering collateral information. This leads to duplicate collateral valuations, increasing collateral management costs and potentially inaccurate collateral information, making it difficult to identify the risk of duplicate collateral. Therefore, effectively identifying the risk of duplicate collateral and controlling duplicate collateral entry remains an unresolved issue.

[0004] The above content is only used to assist in understanding the technical solution of this application and does not constitute an admission that the above content is prior art. Summary of the Invention

[0005] The main purpose of this application is to provide a method, device, equipment and storage medium for uniquely identifying collateral, aiming to solve the technical problem of how to effectively identify the risk of double pledge of collateral and control the repeated entry of collateral.

[0006] To achieve the above objectives, this application proposes a method for uniquely identifying collateral, which includes:

[0007] Clean up the existing collateral data based on the collateral type to obtain updated existing collateral data;

[0008] Determine the target uniqueness identification strategy based on the type of collateral to be entered, and obtain the collateral data to be entered;

[0009] The target unique identification strategy is used to uniquely identify the collateral data to be entered based on the type of collateral to be entered and the existing collateral data, thereby obtaining a collateral unique identification result.

[0010] In one embodiment, the step of uniquely identifying the collateral data to be entered based on the type of collateral to be entered and the existing collateral data using the target unique identification strategy to obtain a collateral unique identification result includes:

[0011] Extracting collateral records of the same type from the existing collateral data based on the type of collateral to be entered;

[0012] The target unique identification strategy is used to uniquely identify the collateral data to be entered based on the collateral records of the same type, thereby obtaining a collateral unique identification result.

[0013] In one embodiment, the step of uniquely identifying the collateral data to be entered based on the collateral records of the same type using the target unique identification strategy to obtain a collateral unique identification result includes:

[0014] Loading the target template class according to the target unique identification strategy to obtain a unique identification element;

[0015] Extracting a unique identification field to be matched from the collateral data to be entered based on the unique identification element;

[0016] Based on the unique identification field to be matched, duplicate collateral records of the same type are matched to obtain a collateral unique identification result.

[0017] In one embodiment, the step of performing duplicate collateral record matching on the same type of collateral records based on the to-be-matched unique identification field to obtain a collateral unique identification result includes:

[0018] Traverse the same type of collateral records and obtain the current collateral record;

[0019] Extracting a current unique identification field from the current collateral record based on the unique identification element;

[0020] The collateral uniqueness identification result is determined based on the uniqueness identification field to be matched and the current uniqueness identification field.

[0021] In one embodiment, the step of cleaning the existing collateral data based on the collateral type to obtain updated existing collateral data includes:

[0022] Define a collateral uniqueness verification base class, which receives the collateral data to be entered and records of collateral of the same type as parameters;

[0023] Define a target template class, where the target template class inherits the collateral uniqueness verification base class;

[0024] The target template class is loaded based on the collateral type, and the existing collateral data is cleaned to obtain updated existing collateral data.

[0025] In one embodiment, the step of determining a target uniqueness identification strategy based on the type of collateral to be entered includes:

[0026] Obtain the collateral information template mapping table;

[0027] Querying the target entry template type from the collateral information template mapping table according to the collateral type to be entered;

[0028] A target uniqueness identification strategy is determined according to the target entry template type.

[0029] In one embodiment, after the step of uniquely identifying the collateral data to be entered based on the type of collateral to be entered and the existing collateral data using the target unique identification strategy to obtain a collateral unique identification result, the method further includes:

[0030] When the collateral uniqueness identification result is that the collateral uniqueness identification is passed, obtaining the pledger's information;

[0031] Querying related collateral data from the existing collateral data based on the collateralizer information query;

[0032] Push the associated collateral data to the user.

[0033] In addition, to achieve the above-mentioned purpose, the present application also proposes a collateral uniqueness identification device, which includes:

[0034] A data cleaning module is used to clean up the existing collateral data based on the collateral type to obtain updated existing collateral data;

[0035] The data receiving module is used to determine the target uniqueness identification strategy according to the type of collateral to be recorded and obtain the collateral data to be recorded;

[0036] The unique identification module is configured to uniquely identify the collateral data to be entered based on the type of collateral to be entered and the existing collateral data using the target unique identification strategy to obtain a collateral unique identification result.

[0037] In addition, to achieve the above-mentioned purpose, the present application also proposes a collateral uniqueness identification device, which 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 collateral uniqueness identification method described above.

[0038] In addition, to achieve the above-mentioned purpose, the present application also proposes a storage medium, which is a computer-readable storage medium and stores a computer program. When the computer program is executed by a processor, the steps of the collateral uniqueness identification method as described above are implemented.

[0039] In addition, to achieve the above-mentioned purpose, the present application also provides a computer program product, which includes a computer program. When the computer program is executed by a processor, it implements the steps of the collateral uniqueness identification method as described above.

[0040] One or more technical solutions proposed in this application have at least the following technical effects:

[0041] The existing collateral data is cleaned based on the collateral type to obtain updated existing collateral data. A target uniqueness identification strategy is determined based on the type of collateral to be entered, and the collateral data to be entered is obtained. The collateral data to be entered is uniquely identified based on the target uniqueness identification strategy and the existing collateral data to obtain a collateral uniqueness identification result. By cleaning the existing collateral data based on the collateral type, duplicate collateral data is removed and the collateral data standard is standardized. When entering new collateral data, a target uniqueness identification strategy is determined based on the collateral type to determine whether the collateral data to be entered is unique. A collateral uniqueness identification result is obtained. Based on the collateral uniqueness identification result, it can be determined whether the collateral corresponding to the collateral data to be entered has a secondary pledge risk, thereby controlling the duplication of collateral. BRIEF DESCRIPTION OF THE DRAWINGS

[0042] 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.

[0043] 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.

[0044] Figure 1 A flowchart illustrating the first embodiment of the method for uniquely identifying collateral in this application;

[0045] Figure 2 An example diagram of the collateral information template mapping provided in Example 1 of the collateral uniqueness identification method of this application;

[0046] Figure 3 A flowchart illustrating the second embodiment of the method for uniquely identifying collateral in this application;

[0047] Figure 4 A diagram of the collateral management scenario provided for the second embodiment of the collateral uniqueness identification method of this application;

[0048] Figure 5 This is a schematic diagram of the module structure of the collateral uniqueness identification device according to an embodiment of the present application;

[0049] Figure 6 Schematic diagram of the device structure of the hardware operating environment involved in the collateral uniqueness identification method in the embodiment of the present application.

[0050] The purpose, features and advantages of this application will be further explained with reference to the accompanying drawings in conjunction with the embodiments. DETAILED DESCRIPTION

[0051] 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.

[0052] 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.

[0053] The main solution of the embodiment of the present application is to: clean up the existing collateral data based on the collateral type to obtain updated existing collateral data; determine a target uniqueness identification strategy based on the type of collateral to be entered and obtain the collateral data to be entered; and uniquely identify the collateral data to be entered based on the type of collateral to be entered and the existing collateral data using the target uniqueness identification strategy to obtain a collateral uniqueness identification result.

[0054] In this embodiment, for ease of description, the following description is made with the collateral identification management system as the execution entity.

[0055] Currently, banks primarily manage collateral through a combination of manual data entry and system-assisted management. However, due to the wide variety of collateral, different branches and departments are prone to confusion, duplication, and inconsistency when entering collateral information. This leads to duplicate collateral valuations, increasing collateral management costs and potentially inaccurate collateral information, making it difficult to identify the risk of duplicate collateral. Therefore, effectively identifying the risk of duplicate collateral and controlling duplicate collateral entry remains an unresolved issue.

[0056] This application provides a solution that cleans existing collateral data based on collateral type, eliminates duplicate collateral data, and standardizes collateral data. When entering new collateral data, a target uniqueness identification strategy is determined based on the type of collateral to be entered to determine whether the collateral data to be entered is unique. A collateral uniqueness identification result is obtained. Based on the collateral uniqueness identification result, it can be determined whether the collateral corresponding to the collateral data to be entered has a secondary pledge risk, thereby controlling the duplication of collateral.

[0057] It should be noted that the execution entity of this embodiment may be a computing service device with data processing, network communication, and program execution capabilities, such as a tablet computer, personal computer, or mobile phone, or an electronic device or collateral management system capable of implementing the aforementioned functions. This embodiment and the following embodiments will be described below using a collateral management system as an example.

[0058] Based on this, the present application embodiment provides a method for uniquely identifying collateral. Figure 1 , Figure 1 This is a flow chart of the first embodiment of the method for uniquely identifying collateral in this application.

[0059] In this embodiment, the collateral uniqueness identification method includes steps S10 to S30:

[0060] Step S10: Cleaning up the existing collateral data based on the collateral type to obtain updated existing collateral data;

[0061] It should be noted that each collateral can be classified into four levels, including major category name, medium category name, minor category name, and subcategory name. In the solution of this application, the collateral type is the subcategory name information of the collateral.

[0062] It should be understood that the existing collateral data refers to the collateral data already in the collateral management system. This collateral data may come from different branches and business departments, and may contain confusing information, duplicate entries, and inconsistent information.

[0063] It should be noted that different collateral types have corresponding unique identification strategies. When migrating existing collateral data, all collateral types in the existing collateral data will be obtained. Duplicate collateral data under each collateral type will be identified based on the unique identification strategy corresponding to each collateral type. The most recently updated single collateral data in the duplicate collateral data will be retained to obtain the updated existing collateral data.

[0064] In a feasible implementation, step S10 may include: defining a collateral uniqueness verification base class, wherein the collateral uniqueness verification base class receives collateral data to be entered and collateral records of the same type as parameters; defining a target template class, wherein the target template class inherits the collateral uniqueness verification base class; loading the target template class based on the collateral type, cleaning the existing collateral data, and obtaining updated existing collateral data.

[0065] It should be noted that the collateral uniqueness verification base class defines the basic rules and interfaces for collateral uniqueness verification. It serves as the foundation for all specific collateral type verification classes, ensuring that the unique identification process for each collateral type follows unified verification rules. This collateral uniqueness verification base class accepts the collateral data to be entered and records of collateral of the same type as parameters.

[0066] It should be understood that a target template class is a class that inherits from a collateral uniqueness verification base class for a specific collateral type. It implements the collateral uniqueness verification method declared in the base class and contains the verification logic for that specific collateral type. Each target template class may correspond to multiple collateral types, but each collateral type only has one target template class. Within the target template class, the unique identification element corresponding to that collateral type is determined, and collateral data of the same type is uniquely identified based on this unique identification element.

[0067] Specifically, during the cleanup of existing collateral data, all collateral types in the existing collateral data are obtained and a collateral type list is generated. Target collateral types are sequentially determined based on the collateral type list. Collateral data of the target type is then obtained based on the target collateral type, and the target template class corresponding to the target collateral type is loaded. Within the target template class, unique identification fields corresponding to unique identification elements in the target collateral data are matched. A duplicate collateral data list is generated based on collateral data with the same unique identification field. Duplicate collateral data in the duplicate collateral data list is prioritized based on the timestamp information of each collateral data item, with collateral data with newer timestamps being assigned a higher priority. In the duplicate collateral data list, only the collateral data with the highest priority for each unique identification field is retained, and all other collateral data is removed from the existing collateral data, resulting in updated existing collateral data.

[0068] Step S20: determining a target uniqueness identification strategy based on the type of collateral to be entered, and obtaining the collateral data to be entered;

[0069] It should be noted that when entering collateral data, a collateral type selection interface will be pushed to the user. The user can select the specific category of collateral data to be entered on this interface, i.e., the collateral type to be entered.

[0070] Specifically, the user can first select the target category name (e.g., financial collateral) for the collateral to be entered in the collateral type selection interface, then select the target subcategory name (e.g., precious metals) from the drop-down list of the target category name, select the corresponding subcategory name (e.g., gold) from the drop-down list of the target subcategory name, and finally select the corresponding subcategory name (e.g., physical gold) from the drop-down list of the subcategory name to obtain the collateral type to be entered. The user can also directly enter the collateral type to be entered in the search bar, such as cash-value life insurance policies, structured deposits, and ordinary commercial housing in urban areas, but this embodiment does not impose specific restrictions on this.

[0071] It should be understood that the target uniqueness identification strategy is a set of rules and conditions used to determine the uniqueness of collateral. The target uniqueness identification strategy is determined based on the type of collateral to be entered. When determining the target uniqueness identification strategy, the corresponding target collateral data guidance interface is also determined based on the target uniqueness identification strategy. The target collateral data guidance interface is used to guide users in accurately entering collateral information, including input fields and format requirements related to the type of collateral to be entered, in order to receive the collateral data entered by the user. The collateral data to be entered is the various collateral information entered by the user on the target collateral data guidance interface, and may include the collateral name, collateral type, collateral valuation, associated pledgers, and other business-related information.

[0072] In a feasible embodiment, the step of determining a target unique identification strategy based on the type of collateral to be entered in step S20 may include: obtaining a collateral information template mapping table; querying a target entry template type from the collateral information template mapping table based on the type of collateral to be entered; and determining a target unique identification strategy based on the target entry template type.

[0073] It should be noted that the collateral information template mapping table reflects the mapping relationship between collateral types and entry template types. Each collateral type in the collateral information template mapping table corresponds to a unique entry template type, and each entry template type can correspond to multiple collateral types. Multiple collateral types can be mapped to multiple entry template types based on physical attributes, ownership characteristics, and valuation dimensions to create a collateral information template mapping table.

[0074] For example, referring to Figure 2 , Figure 2 This is an example diagram of the collateral information template mapping provided in the first embodiment of the collateral unique identification method of this application. Figure 2 As shown in the following example, when the target collateral type is ordinary commercial housing or commercial and residential housing in urban areas, the target template type is residential housing. When the target collateral type is a life insurance policy with cash value, the target template type is insurance policy. When the target collateral type is physical gold or paper gold, the target template type is precious metals. When the target collateral type is a certificate of deposit, the target template type is certificate of deposit.

[0075] It should be understood that, based on the type of collateral to be entered, the corresponding entry template type can be queried from the collateral information template mapping table to obtain the target entry template type. Based on the target entry template type, the corresponding target uniqueness identification strategy can be determined, and a target collateral data guidance interface can be generated and pushed to the user. The target collateral data guidance interface includes mandatory and optional fields corresponding to the target entry template type. Required fields include at least the collateral type and collateral name. For collateral to be entered with a clear collateral type, the mandatory fields also include at least the unique identification fields required by the target uniqueness identification strategy. For example, for a target collateral data guidance interface generated for an urban area ordinary commercial property, the mandatory fields include the required fields for the target uniqueness identification strategy corresponding to residential properties and at least the ownership certificate number.

[0076] Step S30: uniquely identifying the collateral data to be entered based on the type of collateral to be entered and the existing collateral data using the target unique identification strategy to obtain a collateral unique identification result.

[0077] It should be noted that the target uniqueness identification strategy compares the collateral data to be entered with the updated existing collateral data to determine whether the collateral to be entered already exists in the bank-wide collateral database, thereby performing unique identification. During this process, the collateral data to be entered is compared with the collateral records corresponding to the type of collateral to be entered in the updated existing collateral data to obtain the collateral uniqueness identification result.

[0078] It should be understood that if the collateral to be entered is determined to exist in the bank's collateral database, it indicates a duplicate collateral exists, and the collateral uniqueness identification result is determined to have failed. If the collateral to be entered is determined to not exist in the bank's collateral database, it indicates no duplicate collateral exists, and the collateral uniqueness identification result is determined to have passed. Only if the collateral uniqueness identification passes can the user successfully enter the collateral data to be entered. If the collateral uniqueness identification fails, a collateral entry failure message will be pushed to the user to prevent duplicate collateral.

[0079] In a feasible implementation manner, after step S30, steps S40 to S60 may be further included:

[0080] Step S40: when the collateral uniqueness identification result is that the collateral uniqueness identification is passed, obtaining the pledger information;

[0081] It should be noted that information about the pledger or collateralizer may include basic information such as the pledger's name, ID number, company name, unified social credit code, and contact information, as well as the relationship between the pledger and the collateral, such as whether the pledger is the owner or user of the collateral. For example, if the collateral is a property, the pledger's information may include the property owner's name, contact information, and the name on the property ownership certificate.

[0082] It should be understood that the collateral holder's information is only available if the collateral uniqueness identification result passes. If the collateral uniqueness identification result fails, a collateral entry failure message will be returned. The collateral holder's information can be obtained from the target collateral data wizard interface.

[0083] Step S50: querying related collateral data from the existing collateral data based on the collateralizer information query;

[0084] It should be noted that the associated collateral data includes the basic information of the maintained collateral, valuation information and associated historical business information under the name of the pledger.

[0085] Specifically, maintaining basic collateral information involves recording and maintaining the basic attributes of the collateral (such as the name, type, and owner of the collateral) in the name of the pledger or pledger. This information is entered by the user according to the prompts on the target collateral data navigation interface when the collateral is first entered into the system, and is updated and maintained as needed during subsequent business operations. Valuation information can be obtained after an appraiser, an appraisal agency, or a system appraisal model has assessed the value of the collateral. This information is entered by the user when the collateral is first entered into the system and is updated after each appraisal. Specifically, valuation information may include the collateral's assessed value, appraisal time, and the name of the appraisal agency (or appraiser). Related historical business information can be obtained by recording the use of the collateral in previous business operations. The system automatically records related historical business information each time a business occurs, including business type, business number, business amount, and business term.

[0086] It should be understood that key fields in the pledger's information (such as ID number or unified social credit code) can be used as query conditions to query all associated collateral data under the pledger's name from the existing collateral data. For example, if the pledger is an enterprise, all collateral registered under the enterprise's corresponding unified social credit code will be retrieved.

[0087] Step S60: Push the associated collateral data to the user.

[0088] It should be noted that when a guarantee contract operation request (such as a request to create a new guarantee contract) is identified, if the relevant collateral data is queried through the pledger, a collateral introduction page will pop up, and the related collateral data will be displayed on the business processing interface, guiding the user to quickly enter or associate the collateral information related to the guarantee contract, thereby improving the efficiency of business processing.

[0089] This embodiment cleans existing collateral data based on collateral type to obtain updated existing collateral data; determines a target uniqueness identification strategy based on the type of collateral to be entered, and obtains the collateral data to be entered; and uniquely identifies the collateral data to be entered based on the target uniqueness identification strategy and the existing collateral data to obtain a collateral uniqueness identification result. By cleaning existing collateral data based on collateral type, duplicate collateral data is removed, standardizing collateral data standards. When entering new collateral data, a target uniqueness identification strategy is determined based on the type of collateral to be entered to determine whether the collateral data to be entered is unique, and a collateral uniqueness identification result is obtained. Based on the collateral uniqueness identification result, it can be determined whether the collateral corresponding to the collateral data to be entered is at risk of secondary pledge, thereby preventing duplicate collateral entry.

[0090] 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 S30 may include steps S31 to S32:

[0091] Step S31, extracting records of collateral of the same type from the existing collateral data based on the type of collateral to be entered;

[0092] It should be understood that records of collateral of the same type are data records of collateral of the same type as the collateral to be recorded in the existing collateral data. By extracting records of collateral of the same type, the collateral data to be recorded can be more efficiently uniquely identified.

[0093] For example, if the type of collateral to be entered is a structured deposit, all collateral records of the "structured deposit" type will be filtered out from the updated existing collateral data to obtain collateral records of the same type.

[0094] Step S32: uniquely identifying the collateral data to be entered based on the same type of collateral records using the target unique identification strategy to obtain a collateral unique identification result.

[0095] It should be understood that after obtaining collateral records of the same type, the system will traverse the same collateral records and, using the target uniqueness identification strategy, match each collateral record with the collateral data to be entered. If a collateral record successfully matches, the collateral uniqueness identification result will be "failed." If no collateral record successfully matches, the collateral uniqueness identification result will be "passed."

[0096] In a feasible implementation, step S32 may include steps S321 to S323:

[0097] Step S321, loading the target template class according to the target unique identification strategy to obtain a unique identification element;

[0098] It should be noted that unique identification elements are key fields and conditions for determining collateral uniqueness. They are used to extract matching unique identification fields from the collateral data to be entered and compare them with the existing collateral data. Based on the target unique identification strategy, the corresponding target template class can be loaded to determine the unique identification elements corresponding to that target unique identification strategy. Target unique identification strategies can be broadly categorized as detailed information field verification and certificate verification. The uniqueness verification rule for the detailed information field can include the insurance company name, policy number, or deposit certificate account number, depending on the type of collateral to be entered. The uniqueness verification rule for certificate verification can include the certificate type (e.g., real estate title deed, real estate certificate, etc.) plus the certificate number, depending on the type of collateral to be entered.

[0099] For example, referring to Figure 4 , Figure 4 This is a collateral management scenario diagram provided for the second embodiment of the collateral unique identification method of this application. Figure 4 As shown, after obtaining the collateral data to be entered, basic information, detailed information, warrant information, and value information can be determined based on the collateral data. Based on the detailed information, the type of collateral to be entered can be obtained. The corresponding target unique identification strategy is determined based on the collateral type. If the target unique identification strategy is for certificates of deposit, the unique identification element is determined to be the certificate of deposit account number; if the target unique identification strategy is for security deposits, the unique identification element is determined to be the security deposit account number; and if the target unique identification strategy is for residential properties, the unique identification element is determined to be the ownership certificate type and certificate number.

[0100] Step S322: extracting a unique identification field to be matched from the collateral data to be entered based on the unique identification element;

[0101] It should be understood that the unique identification fields to be matched are fields extracted from the collateral data to be entered for unique identification, such as the specific fields of the certificate of deposit account number, margin account number, and ownership certificate type and certificate number in the collateral data to be entered.

[0102] Step S323: performing duplicate collateral record matching on the same type of collateral records based on the unique identification field to be matched to obtain a collateral unique identification result.

[0103] It should be understood that a collateral record of the same type is a collateral record extracted from the existing collateral data that is of the same type as the collateral to be entered, including detailed information on all collateral belonging to the collateral type to be entered. Based on the unique identification field to be matched, collateral records of the same type can be retrieved. The unique identification word corresponding to the unique identification element of the same collateral type is then used to determine, based on the unique identification field to be matched and the current unique identification field, a collateral record whose collateral unique identification result segment is identical to the unique identification field to be matched, i.e., a duplicate collateral record. The collateral belonging to this collateral record is then determined to be a duplicate of the collateral in the collateral data to be entered. If a duplicate collateral record is matched, the collateral unique identification result is determined to be a failed collateral uniqueness identification. If no duplicate collateral record is matched, the collateral uniqueness identification result is determined to be a passed collateral uniqueness identification.

[0104] In a feasible implementation, step S323 may include: traversing the same type of collateral records to obtain the current collateral record; extracting the current unique identification field from the current collateral record based on the unique identification element; and determining the collateral unique identification result based on the unique identification field to be matched and the current unique identification field.

[0105] It should be understood that the current collateral record is the collateral record currently being processed when traversing collateral records of the same type. The current unique identification field is a field extracted from the current collateral record for unique identification based on the unique identification element. By comparing the unique identification field to be matched with the current unique identification field, it can be determined whether the current collateral record is a duplicate collateral record of the collateral to be entered. If the unique identification field to be matched is the same as the current unique identification field, the collateral unique identification result is determined to have failed unique identification. If the unique identification field to be matched is different from the current unique identification field, the next collateral record of the same type is updated to the current collateral record until all collateral records of the same type are traversed. If no duplicate collateral record is found after traversing all collateral records of the same type, the collateral unique identification result is determined to have passed unique identification.

[0106] In this embodiment, based on the type of the collateral to be recorded, records of collateral of the same type are extracted from the existing collateral data. The collateral data to be recorded is uniquely identified based on the records of collateral of the same type using the target uniqueness identification strategy to obtain a collateral uniqueness identification result. By extracting records of collateral of the same type, unique identification of the collateral data to be recorded can be performed more efficiently.

[0107] It should be noted that the above examples are only used to understand the present application and do not constitute a limitation on the collateral uniqueness identification method of the present application. More simple transformations based on this technical concept are all within the scope of protection of the present application.

[0108] This application also provides a unique identification device for collateral, please refer to Figure 5 The collateral uniqueness identification device includes:

[0109] A data cleaning module 10 is used to clean up the existing collateral data based on the collateral type to obtain updated existing collateral data;

[0110] The data receiving module 20 is used to determine the target uniqueness identification strategy according to the type of collateral to be recorded, and obtain the collateral data to be recorded;

[0111] The unique identification module 30 is configured to perform unique identification on the collateral data to be entered based on the type of collateral to be entered and the existing collateral data using the target unique identification strategy to obtain a collateral unique identification result.

[0112] In one embodiment, the unique identification module 30 is further configured to extract collateral records of the same type from the existing collateral data based on the type of the collateral to be recorded; and uniquely identify the collateral data to be recorded based on the collateral records of the same type using the target unique identification strategy to obtain a collateral unique identification result.

[0113] In one embodiment, the unique identification module 30 is further configured to load a target template class according to the target unique identification strategy to obtain a unique identification element; extract a unique identification field to be matched from the collateral data to be entered based on the unique identification element; and perform duplicate collateral record matching on the same type of collateral records based on the unique identification field to be matched to obtain a collateral unique identification result.

[0114] In one embodiment, the unique identification module 30 is further configured to traverse the collateral records of the same type to obtain a current collateral record; extract a current unique identification field from the current collateral record based on the unique identification element; and determine a collateral unique identification result based on the unique identification field to be matched and the current unique identification field.

[0115] In one embodiment, the data cleaning module 10 is further configured to define a collateral uniqueness verification base class, which receives collateral data to be entered and records of collateral of the same type as parameters; define a target template class, which inherits the collateral uniqueness verification base class; load the target template class based on the collateral type, clean up the existing collateral data, and obtain updated existing collateral data.

[0116] In one embodiment, the data receiving module 20 is further configured to obtain a collateral information template mapping table; query a target entry template type from the collateral information template mapping table according to the type of collateral to be entered; and determine a target uniqueness identification strategy according to the target entry template type.

[0117] In one embodiment, the unique identification module 30 is further configured to obtain information of the pledger or collateralist when the collateral uniqueness identification result is that the collateral uniqueness identification passes; query related collateral data from the existing collateral data based on the pledger or collateralist information; and push the related collateral data to the user.

[0118] The collateral uniqueness identification device provided in this application, employing the collateral uniqueness identification method described in the aforementioned embodiments, can address the technical problem of effectively identifying the risk of duplicate collateral and thus controlling duplicate collateral entry. Compared to the prior art, the collateral uniqueness identification device provided in this application achieves the same beneficial effects as the collateral uniqueness identification method described in the aforementioned embodiments. Other technical features of the collateral uniqueness identification device are the same as those disclosed in the aforementioned embodiments and are not further elaborated here.

[0119] The present application provides a collateral uniqueness identification device, comprising: at least one processor; and a memory communicatively connected to the at least one processor; wherein the memory stores instructions executable by the at least one processor, and the instructions are executed by the at least one processor to enable the at least one processor to perform the collateral uniqueness identification method of the above-mentioned embodiment 1.

[0120] Reference below Figure 6, which shows a schematic diagram of the structure of a collateral uniqueness identification device suitable for implementing embodiments of the present application. The collateral uniqueness identification 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), and in-vehicle terminals (e.g., in-vehicle navigation terminals), as well as fixed terminals such as digital TVs and desktop computers. Figure 6 The collateral uniqueness identification device shown is merely an example and should not limit the functions and scope of use of the embodiments of the present application.

[0121] like Figure 6 As shown, the collateral uniqueness identification 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 ROM (Read Only Memory) 1002 or programs loaded from storage device 1003 into RAM (Random Access Memory) 1004. RAM 1004 also stores various programs and data required for the operation of the collateral uniqueness identification device. Processing device 1001, ROM 1002, and RAM 1004 are interconnected via bus 1005. An input / output (I / O) interface 1006 is also connected to the bus. Typically, the following systems may be connected to the I / O interface 1006: input devices 1007, such as a touchscreen, touchpad, keyboard, mouse, image sensor, microphone, accelerometer, and gyroscope; output devices 1008, such as an LCD (Liquid Crystal Display), speaker, and vibrator; storage devices 1003, such as magnetic tape and hard disk; and communication devices 1009. Communication devices 1009 may allow the collateral uniqueness identification device to communicate with other devices wirelessly or wired to exchange data. While the figure illustrates a collateral uniqueness identification device with various systems, it should be understood that implementation or inclusion of all illustrated systems is not required. More or fewer systems may alternatively be implemented or included.

[0122] 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.

[0123] The collateral uniqueness identification device provided in this application, employing the collateral uniqueness identification method described in the aforementioned embodiment, can address the technical problem of effectively identifying the risk of duplicate collateral and thus controlling duplicate collateral entry. Compared to the prior art, the collateral uniqueness identification device provided in this application achieves the same beneficial effects as the collateral uniqueness identification method described in the aforementioned embodiment. Other technical features of this collateral uniqueness identification device are the same as those disclosed in the aforementioned embodiment and are not further elaborated here.

[0124] 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.

[0125] 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.

[0126] The present application provides a computer-readable storage medium having computer-readable program instructions (i.e., a computer program) stored thereon, and the computer-readable program instructions are used to execute the collateral uniqueness identification method in the above embodiment.

[0127] The computer-readable storage medium provided in this application can 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 can include, but are not limited to: an electrical connection with one or more wires, a portable computer disk, a hard disk, RAM (Random Access Memory), ROM (Read Only Memory), EPROM (Erasable Programmable Read Only Memory) or flash memory, optical fiber, CD-ROM (CD-Read Only Memory, portable compact disk read-only memory), optical storage device, magnetic storage device, or any suitable combination thereof. In this embodiment, the computer-readable storage medium can be any tangible medium that contains or stores a program that can be used by or in combination with an instruction execution system, system or device. The program code contained on the computer-readable storage medium can be transmitted using any appropriate medium, including but not limited to: wires, optical cables, RF (Radio Frequency), etc., or any suitable combination thereof.

[0128] The computer-readable storage medium may be included in the collateral uniqueness identification device; or it may exist independently without being incorporated into the collateral uniqueness identification device.

[0129] The computer-readable storage medium carries one or more programs. When executed by the collateral uniqueness identification device, the one or more programs cause the collateral uniqueness identification device to: clean up existing collateral data based on the collateral type to obtain updated existing collateral data; determine a target uniqueness identification strategy based on the type of collateral to be entered and obtain the collateral data to be entered; and uniquely identify the collateral data to be entered based on the type of collateral to be entered and the existing collateral data using the target uniqueness identification strategy to obtain a collateral uniqueness identification result.

[0130] The computer program code for performing the operations of the present application can 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 can be executed entirely on the user's computer, partially on the user's computer, as a separate software package, partially on the user's computer and partially on a remote computer, or entirely on a remote computer or server. In cases involving a remote computer, the remote computer can be connected to the user's computer through any type of network, including a LAN (Local Area Network) or a WAN (Wide Area Network), or can be connected to an external computer (e.g., using an Internet service provider to connect via the Internet).

[0131] 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.

[0132] 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.

[0133] The computer-readable storage medium provided in this application stores computer-readable program instructions (i.e., a computer program) for executing the aforementioned collateral uniqueness identification method. This computer-readable storage medium can address the technical problem of effectively identifying the risk of double pledge of collateral and controlling duplicate entry of collateral. Compared to the prior art, the beneficial effects of the computer-readable storage medium provided in this application are similar to those of the collateral uniqueness identification method provided in the aforementioned embodiments and are not further elaborated here.

[0134] The present application also provides a computer program product, including a computer program, which, when executed by a processor, implements the steps of the collateral uniqueness identification method as described above.

[0135] The computer program product provided in this application can solve the technical problem of effectively identifying the risk of double pledge of collateral and thus controlling duplicate entry of collateral. Compared to the prior art, the beneficial effects of the computer program product provided in this application are similar to those of the collateral uniqueness identification method provided in the aforementioned embodiment, and are not further elaborated here.

[0136] 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 method for uniquely identifying collateral, characterized in that: The method for uniquely identifying collateral includes: Clean up the existing collateral data based on the collateral type to obtain updated existing collateral data; Determine the target uniqueness identification strategy based on the type of collateral to be entered, and obtain the collateral data to be entered; The target unique identification strategy is used to uniquely identify the collateral data to be entered based on the type of collateral to be entered and the existing collateral data, thereby obtaining a collateral unique identification result.

2. The method according to claim 1, wherein The step of uniquely identifying the collateral data to be entered based on the type of collateral to be entered and the existing collateral data using the target unique identification strategy to obtain a collateral unique identification result includes: Extracting collateral records of the same type from the existing collateral data based on the type of collateral to be entered; The target unique identification strategy is used to uniquely identify the collateral data to be entered based on the collateral records of the same type, thereby obtaining a collateral unique identification result.

3. The method according to claim 2, wherein The step of uniquely identifying the collateral data to be entered based on the collateral records of the same type using the target unique identification strategy to obtain a collateral unique identification result includes: Loading the target template class according to the target unique identification strategy to obtain a unique identification element; Extracting a unique identification field to be matched from the collateral data to be entered based on the unique identification element; Based on the unique identification field to be matched, duplicate collateral records of the same type are matched to obtain a collateral unique identification result.

4. The method according to claim 3, wherein The step of performing repeated matching of the same type of collateral records based on the unique identification field to be matched to obtain a collateral unique identification result includes: Traverse the same type of collateral records and obtain the current collateral record; Extracting a current unique identification field from the current collateral record based on the unique identification element; The collateral uniqueness identification result is determined based on the uniqueness identification field to be matched and the current uniqueness identification field.

5. The method according to claim 1, wherein The step of cleaning the existing collateral data based on the collateral type to obtain updated existing collateral data includes: Define a collateral uniqueness verification base class, which receives the collateral data to be entered and records of collateral of the same type as parameters; Define a target template class, where the target template class inherits the collateral uniqueness verification base class; The target template class is loaded based on the collateral type, and the existing collateral data is cleaned to obtain updated existing collateral data.

6. The method according to claim 1, wherein The steps for determining the target unique identification strategy based on the type of collateral to be entered include: Obtain the collateral information template mapping table; Querying the target entry template type from the collateral information template mapping table according to the collateral type to be entered; A target uniqueness identification strategy is determined according to the target entry template type.

7. The method according to any one of claims 1 to 6, characterized in that After the step of uniquely identifying the collateral data to be entered based on the type of collateral to be entered and the existing collateral data using the target unique identification strategy to obtain a collateral unique identification result, the method further includes: When the collateral uniqueness identification result is that the collateral uniqueness identification is passed, obtaining the pledger's information; Querying related collateral data from the existing collateral data based on the collateralizer information query; Push the associated collateral data to the user.

8. A device for uniquely identifying collateral, characterized in that: The device comprises: A data cleaning module is used to clean up the existing collateral data based on the collateral type to obtain updated existing collateral data; The data receiving module is used to determine the target uniqueness identification strategy according to the type of collateral to be recorded and obtain the collateral data to be recorded; The unique identification module is configured to uniquely identify the collateral data to be entered based on the type of collateral to be entered and the existing collateral data using the target unique identification strategy to obtain a collateral unique identification result.

9. A device for uniquely identifying collateral, 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 collateral uniqueness identification method according to any one of claims 1 to 7.

10. 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 collateral uniqueness identification method according to any one of claims 1 to 7 are implemented.

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