Credit application processing method, system and device, storage medium and product

Abstract

The invention discloses a credit application processing method, system and device, a storage medium and a product. The method is applied to a credit application processing system, the credit application processing system comprises a first terminal, a server and a second terminal, and the method comprises the steps that the first terminal sends a loan request to the server; the server encrypts a target error code of the loan request to obtain a ciphertext character string under the condition that the loan request is not approved, determines an encrypted picture based on the ciphertext character string, and sends the encrypted picture to the first terminal; the first terminal receives and displays the encrypted picture; the second terminal determines a ciphertext character string based on the encrypted picture in the first terminal, and sends the ciphertext character string to the server; and the server determines target error information based on the ciphertext character string and sends the target error information to the second terminal, and the target error information is used for illustrating the reason that the approval is not passed. The risk control model and other rules are prevented from being tested, and the safety of credit application is effectively improved.

Description

Technical Field

[0001] The embodiments of the present invention relate to the field of information security technology, and in particular to a credit application processing method, system, device, storage medium and product. Background Technology

[0002] Currently, online credit products, such as personal loans and micro-loans, are becoming increasingly abundant. Customers can complete the entire process of loan application, approval, credit granting, loan disbursement, and repayment through channels such as mobile banking.

[0003] As a consumer-side system, the channel side (represented by mobile banking) interacts frequently with service providers such as credit systems. The error codes returned by the service providers' interfaces to customers have certain patterns. If these patterns are frequently collected and tested, they can be easily identified, posing a risk of leakage and exploitation of risk control model rules, which seriously affects the security of credit business. Summary of the Invention

[0004] This invention provides a credit application processing method, system, device, storage medium, and product to solve the problem of low security in existing credit application processing methods.

[0005] According to one aspect of the present invention, a credit application processing method is provided, applied to a credit application processing system, the credit application processing system including a first terminal, a server, and a second terminal, the method comprising:

[0006] The first terminal sends a loan request to the server;

[0007] If the loan request is not approved, the server encrypts the target error code of the loan request to obtain a ciphertext string, determines an encrypted image based on the ciphertext string, and sends the encrypted image to the first terminal.

[0008] The first terminal receives and displays the encrypted image;

[0009] The second terminal determines the ciphertext string based on the encrypted image in the first terminal, and sends the ciphertext string to the server.

[0010] The server determines the target error information based on the encrypted string and sends the target error information to the second terminal, wherein the target error information is used to explain the reason for the failure of the approval.

[0011] According to another aspect of the present invention, a credit application processing system is provided, comprising a first terminal, a server, and a second terminal, wherein:

[0012] The first terminal is used to send a loan request to the server;

[0013] The server is configured to, in the event that the loan request is not approved, encrypt the target error code of the loan request to obtain a ciphertext string, determine an encrypted image based on the ciphertext string, and send the encrypted image to the first terminal;

[0014] The first terminal is used to receive and display the encrypted image;

[0015] The second terminal is used to determine a ciphertext string based on the encrypted image in the first terminal, and send the ciphertext string to the server.

[0016] The server is used to determine the target error information based on the encrypted string and send the target error information to the second terminal, wherein the target error information is used to explain the reason for the failure of the approval.

[0017] According to another aspect of the present invention, an electronic device is provided, configured as a first terminal, a server, or a second terminal in a credit application processing system, the electronic device comprising:

[0018] At least one processor; and

[0019] A memory communicatively connected to the at least one processor; wherein,

[0020] The memory stores a computer program that can be executed by the at least one processor, the computer program being executed by the at least one processor to enable the at least one processor to perform the credit application processing method according to any embodiment of the present invention.

[0021] According to another aspect of the present invention, a computer-readable storage medium is provided, the computer-readable storage medium storing computer instructions for causing a processor to execute and implement the credit application processing method according to any embodiment of the present invention.

[0022] According to another aspect of the present invention, a computer program product is provided, the computer program product comprising a computer program that, when executed by a processor, implements the credit application processing method described in any embodiment of the present invention.

[0023] The technical solution provided in this invention is applied to a credit application processing system, which includes a first terminal, a server, and a second terminal. The method includes: the first terminal sending a loan request to the server; the server, if the loan request is not approved, encrypting the target error code of the loan request to obtain a ciphertext string, determining an encrypted image based on the ciphertext string, and sending the encrypted image to the first terminal; the first terminal receiving and displaying the encrypted image; the second terminal, based on the encrypted image in the first terminal, determining a ciphertext string and sending the ciphertext string to the server; the server, based on the ciphertext string, determining target error information and sending the target error information to the second terminal, wherein the target error information explains the reason for the approval failure. Through this technical solution, when a loan request is not approved, the server first encrypts the corresponding target error code into a ciphertext string, then processes the ciphertext string into an encrypted image and sends it to the first terminal; the second terminal reads the encrypted image and restores the ciphertext string, then sends it to the server; the server determines the target error information through the ciphertext string. This prevents risk control models and other rules from being tested, effectively improving the security of credit applications.

[0024] It should be understood that the description in this section is not intended to identify key or essential features of the embodiments of the present invention, nor is it intended to limit the scope of the invention. Other features of the invention will become readily apparent from the following description. Attached Figure Description

[0025] To more clearly illustrate the technical solutions in the embodiments of the present invention, the accompanying drawings used in the description of the embodiments will be briefly introduced below. Obviously, the accompanying drawings described below are only some embodiments of the present invention. For those skilled in the art, other drawings can be obtained based on these drawings without creative effort.

[0026] Figure 1 This is a flowchart of a credit application processing method provided in Embodiment 1 of the present invention;

[0027] Figure 2 This is an interactive schematic diagram of a credit application processing method provided in an embodiment of the present invention;

[0028] Figure 3 This is a schematic diagram of the structure of a credit application processing system provided in Embodiment 2 of the present invention;

[0029] Figure 4 This is a schematic diagram of the structure of an electronic device provided in Embodiment 3 of the present invention. Detailed Implementation

[0030] To enable those skilled in the art to better understand the present invention, the technical solutions of the present invention will be clearly and completely described below with reference to the accompanying drawings of the embodiments of the present invention. Obviously, the described embodiments are only some embodiments of the present invention, and not all embodiments. Based on the embodiments of the present invention, all other embodiments obtained by those skilled in the art without creative effort should fall within the scope of protection of the present invention.

[0031] It should be noted that the terms "first," "second," etc., in the specification, claims, and accompanying drawings of this invention are used to distinguish similar objects and are not necessarily used to describe a specific order or sequence. It should be understood that such data can be interchanged where appropriate so that the embodiments of the invention described herein can be implemented in orders other than those illustrated or described herein. Furthermore, the terms "comprising" and "having," and any variations thereof, are intended to cover a non-exclusive inclusion; for example, a process, method, system, product, or apparatus that comprises a series of steps or units is not necessarily limited to those steps or units explicitly listed, but may include other steps or units not explicitly listed or inherent to such processes, methods, products, or apparatus.

[0032] Example 1

[0033] Figure 1 This is a flowchart of a credit application processing method provided in Embodiment 1 of the present invention. This embodiment is applicable to the processing of credit applications. The method can be executed by a credit application processing system, which includes a first terminal, a server, and a second terminal. The first terminal, server, and second terminal can all be implemented in hardware and / or software, and can all be configured as electronic devices. Figure 1 As shown, the method includes:

[0034] S110, The first terminal sends a loan request to the server.

[0035] In this embodiment, the first terminal can be understood as the entity that initiates the request, such as a front-end application, mobile application, or API gateway. The first terminal submits a loan application and obtains the approval result by sending a loan request to the server. The server can be understood as the back-end system of the loan platform. It can be understood in terms of business role as the core logic carrier responsible for receiving, approving loan requests, and returning processing results, or in terms of technical architecture as a component composed of multiple independently deployed microservice components. These components work together through lightweight communication mechanisms such as HTTP RESTful APIs to complete all the back-end functions of the loan business.

[0036] Specifically, when using bank credit products and services, users initiate loan requests to the server through a primary terminal, such as a mobile banking app.

[0037] S120. If the loan request is not approved, the server encrypts the target error code of the loan request to obtain a ciphertext string, determines an encrypted image based on the ciphertext string, and sends the encrypted image to the first terminal.

[0038] In this embodiment, the target error code can be understood as an identifier code generated by the server when a loan request fails to pass approval, used to indicate the specific reason for the failure. For example, target error code 1001 indicates that the user input information is in the wrong format; 1002 indicates that the user's credit score is insufficient.

[0039] Specifically, after receiving a loan request, the server reviews and approves it. If the loan request fails to pass review, it identifies the target error code. To further ensure the security of the credit transaction, the server encrypts the target error code using a preset encryption algorithm, obtaining a ciphertext string. Then, based on the ciphertext string, it determines an encrypted image and sends the encrypted image to the first terminal. The encrypted image can be a QR code or an encrypted image generated from a combination of two images. This embodiment does not limit the preset encryption algorithm; for example, it can be a symmetric encryption algorithm or an asymmetric encryption algorithm.

[0040] S130, the first terminal receives and displays the encrypted image.

[0041] Specifically, the first terminal receives the encrypted image and displays it.

[0042] S140. The second terminal determines the ciphertext string based on the encrypted image in the first terminal, and sends the ciphertext string to the server.

[0043] In this embodiment, the second terminal can be understood as an operating device used by the account manager to read encrypted images and send the resulting ciphertext string back to the server, such as a tablet, mobile phone, or PC workstation.

[0044] Specifically, the second terminal reads the encrypted image from the first terminal, extracts the ciphertext string from the encrypted image, and sends the ciphertext string to the server.

[0045] S150. The server determines the target error information based on the encrypted string and sends the target error information to the second terminal, wherein the target error information is used to explain the reason for the failure of the approval.

[0046] In this embodiment, the target error message is used to explain why the loan application was not approved. Each target error message corresponds one-to-one with a target error code.

[0047] Specifically, after receiving the encrypted string, the server verifies it. If the verification passes, the server determines the target error message based on the encrypted string and sends the target error message to the second terminal. This allows the account manager to investigate the reasons for the loan application failure and assist in guiding the user to apply for a loan.

[0048] The technical solution provided in Embodiment 1 of this invention is applied to a credit application processing system, which includes a first terminal, a server, and a second terminal. The method includes: the first terminal sending a loan request to the server; the server encrypting the target error code of the loan request to obtain a ciphertext string when the loan request is not approved, determining an encrypted image based on the ciphertext string, and sending the encrypted image to the first terminal; the first terminal receiving and displaying the encrypted image; the second terminal determining a ciphertext string based on the encrypted image in the first terminal and sending the ciphertext string to the server; and the server determining target error information based on the ciphertext string and sending the target error information to the second terminal, wherein the target error information explains the reason for the approval failure. Through the above technical solution, when a loan request is not approved, the server first encrypts the corresponding target error code into a ciphertext string, then processes the ciphertext string into an encrypted image and sends it to the first terminal; the second terminal reads the encrypted image and restores the ciphertext string, then sends it to the server; the server determines the target error information through the ciphertext string. This prevents risk control models and other rules from being tested, effectively improving the security of credit applications.

[0049] In some embodiments, the server determines the encrypted image based on the ciphertext string, including: the server processes the ciphertext string into a dark watermark, and combines the dark watermark into the target image to obtain the encrypted image.

[0050] In this embodiment, a hidden watermark can be understood as a covert information marking technology that embeds invisible information into digital documents (such as images and PDF files), typically used for copyright protection and data tracking. Unlike traditional visible watermarks, hidden watermarks do not affect the appearance or user experience of a document, but they can help trace the source when a document is illegally disseminated. The target image can be understood as the image used by the server as a carrier to display the hidden watermark information during the generation of the encrypted image. Its source can be dynamically generated or other compliant images used according to business needs.

[0051] Specifically, the server processes the ciphertext string into a hidden watermark and embeds the watermark into the target image to obtain an encrypted image. By creating a hidden watermark from the ciphertext string and embedding it into the target image, plaintext leakage is effectively prevented, and easy copying or tampering is avoided, significantly improving the security of target error code transmission.

[0052] In some embodiments, the target image is an image from a preset image library on the server. Using images from the preset image library effectively improves the efficiency of generating encrypted images.

[0053] In this embodiment, the preset image library can be understood as an image library pre-set on the server side to store the materials needed to synthesize the encrypted image. All images in the preset image library are suitable for public display. The target image is an image randomly selected from the preset image library.

[0054] In some embodiments, the server encrypts the target error code of the loan request to obtain a ciphertext string, including: the server encrypts the target error code of the loan request using a symmetric encryption algorithm to obtain the ciphertext string. This effectively improves the security of the loan business processing.

[0055] In this embodiment, the symmetric encryption algorithm can be understood as an algorithm used to encrypt the target error code. This embodiment does not limit the specific symmetric encryption algorithm; for example, it could be the SM4 block cipher algorithm (Information Security Technology). The SM4 block cipher algorithm is a symmetric encryption algorithm mainly used for software encryption. Due to its high security advantages, it is recommended for use in banks and payment institutions. The SM4 block cipher algorithm has a block length of 128 bits, and the key length is also 128 bits. Both the encryption algorithm and the key expansion algorithm have 32 iteration rounds. The encryption and decryption processes of the SM4 block cipher algorithm are the same, but the order of the round keys is reversed.

[0056] Specifically, the server uses a symmetric encryption algorithm to encrypt the target error code of the loan request, obtaining a ciphertext string.

[0057] In some embodiments, the server determines the target error information based on the ciphertext string, including: the server decrypts the ciphertext string using the symmetric encryption algorithm to obtain the target error code, and determines the target error information based on the target error code and a preset dictionary, wherein the preset dictionary includes the error code and the error information.

[0058] In this embodiment, the preset dictionary can be understood as a structured mapping collection pre-stored on the server, which can be represented as a database table, configuration file, and key-value pair data, etc. The preset dictionary includes error codes and error messages.

[0059] Specifically, after receiving the ciphertext string sent by the second terminal, the server uses a symmetric encryption algorithm to verify the ciphertext string. If the verification passes, the server decrypts the ciphertext string to obtain the target error code. Then, based on the target error code, the server searches for the target error information in a preset dictionary.

[0060] Through the above technical solution, the server uses a symmetric encryption algorithm to parse out the error code and accurately map the error information, which not only avoids information leakage but also effectively accelerates business processing efficiency.

[0061] In some embodiments, the second terminal determines the ciphertext string based on the encrypted image in the first terminal, including: the second terminal taking a picture of the encrypted image in the first terminal and parsing it to obtain the ciphertext string.

[0062] Specifically, an image parsing device for decrypting encrypted images is deployed in the second terminal. The second terminal takes a picture of the encrypted image in the first terminal and uses the image parsing device to parse it, obtaining the ciphertext string corresponding to the encrypted image. Through this technical solution, the ciphertext string can be securely restored without manual input, preventing information leakage and improving verification efficiency and accuracy.

[0063] For example, Figure 2 This is an interactive schematic diagram of a credit application processing method provided in an embodiment of the present invention, such as... Figure 2 As shown, the system includes a first terminal 11, a server 12, and a second terminal 13. The first terminal 11 is a terminal used by the customer, such as a web browser. The second terminal 13 is a terminal used by the account manager, such as an intranet device. The server 12 is equipped with a relevant loan business system. The server pre-stores several images suitable for public display as materials for synthesizing encrypted images, and also stores a preset dictionary containing error codes and error messages.

[0064] A customer initiates a loan request to the server 12 via the first terminal 11. After receiving the loan request, the system of the server 12 reviews and approves the loan request. If the approval fails, the target error code of the loan request is determined, and the target error code to be returned by the interface is encrypted using the SM4 block cipher algorithm to obtain a ciphertext string. Then, the ciphertext string is processed into a watermark, and a target image is randomly selected from the source images. The watermark is embedded in the target image, and the final encrypted image is synthesized and sent to the first terminal 11. Optionally, if the approval is approved, the approval information is returned to the first terminal 11 via the interface (not shown in the figure).

[0065] After receiving the encrypted image, the first terminal 11 uses the second terminal 13 to photograph and parse the encrypted image, obtaining a ciphertext string. The second terminal 13 then sends the ciphertext string to the server 12. Upon receiving the ciphertext string, the server 12 verifies it. If the verification passes, it decrypts the ciphertext string using the SM4 block cipher algorithm to obtain the target error code. Based on the target error code, the server searches for target error information in a preset dictionary and returns this target error information to the second terminal 13, enabling the account manager to understand the customer's business needs based on the target error information.

[0066] Example 2

[0067] Figure 3 This is a schematic diagram of the structure of a credit application processing system provided in Embodiment 2 of the present invention. Figure 3 As shown, the system includes a first terminal 21, a server 22, and a second terminal 23, wherein:

[0068] The first terminal 21 is used to send a loan request to the server 22;

[0069] The server 22 is used to encrypt the target error code of the loan request to obtain a ciphertext string when the loan request is not approved, determine an encrypted image based on the ciphertext string, and send the encrypted image to the first terminal 21.

[0070] The first terminal 21 is used to receive and display the encrypted image;

[0071] The second terminal 23 is used to determine the ciphertext string based on the encrypted image in the first terminal 21, and send the ciphertext string to the server 22;

[0072] The server 22 is used to determine the target error information based on the encrypted string and send the target error information to the second terminal 23, wherein the target error information is used to explain the reason for the failure of the approval.

[0073] The technical solution provided in Embodiment 2 of the present invention effectively improves the security of credit applications.

[0074] Optionally, server 22 is specifically used to process the ciphertext string into a dark watermark and synthesize the dark watermark into the target image to obtain an encrypted image.

[0075] Optionally, the target image is an image from the server's preset image library.

[0076] Optionally, server 22 is specifically used to encrypt the target error code of the loan request using a symmetric encryption algorithm to obtain a ciphertext string.

[0077] Optionally, server 22 is specifically used to decrypt the ciphertext string using the symmetric encryption algorithm to obtain the target error code, and to determine the target error information based on the target error code and a preset dictionary, wherein the preset dictionary includes the error code and the error information.

[0078] Optionally, the second terminal 23 is specifically used to take a picture of the encrypted image in the first terminal and parse it to obtain a ciphertext string.

[0079] The credit application processing system provided in the embodiments of the present invention can execute the credit application processing method provided in any embodiment of the present invention, and has the corresponding functional modules and beneficial effects of the execution method.

[0080] Example 3

[0081] Figure 4 This is a schematic diagram of the structure of an electronic device provided in Embodiment 3 of the present invention. This electronic device can be configured as a first terminal, server, or second terminal in a credit application processing system, and is intended to represent various forms of digital computers, such as laptop computers, desktop computers, workstations, personal digital assistants, servers, blade servers, mainframe computers, and other suitable computers. The electronic device can also represent various forms of mobile devices, such as personal digital processors, cellular phones, smartphones, wearable devices (such as helmets, glasses, watches, etc.), and other similar computing devices. The components shown herein, their connections and relationships, and their functions are merely illustrative and are not intended to limit the implementation of the invention described and / or claimed herein.

[0082] like Figure 4As shown, the electronic device 10 includes at least one processor 11 and a memory, such as a read-only memory (ROM) 12 or a random access memory (RAM) 13, communicatively connected to the at least one processor 11. The memory stores computer programs executable by the at least one processor. The processor 11 can perform various appropriate actions and processes based on the computer program stored in the ROM 12 or loaded from storage unit 18 into the RAM 13. The RAM 13 may also store various programs and data required for the operation of the electronic device 10. The processor 11, ROM 12, and RAM 13 are interconnected via a bus 14. An input / output (I / O) interface 15 is also connected to the bus 14.

[0083] Multiple components in electronic device 10 are connected to I / O interface 15, including: input unit 16, such as keyboard, mouse, etc.; output unit 17, such as various types of displays, speakers, etc.; storage unit 18, such as disk, optical disk, etc.; and communication unit 19, such as network card, modem, wireless transceiver, etc. Communication unit 19 allows electronic device 10 to exchange information / data with other devices through computer networks such as the Internet and / or various telecommunications networks.

[0084] Processor 11 can be a variety of general-purpose and / or special-purpose processing components with processing and computing capabilities. Some examples of processor 11 include, but are not limited to, a central processing unit (CPU), a graphics processing unit (GPU), various special-purpose artificial intelligence (AI) computing chips, various processors running machine learning model algorithms, a digital signal processor (DSP), and any suitable processor, controller, microcontroller, etc. Processor 11 performs the various methods and processes described above, such as credit application processing methods.

[0085] In some embodiments, the credit application processing method may be implemented as a computer program tangibly contained in a computer-readable storage medium, such as storage unit 18. In some embodiments, part or all of the computer program may be loaded and / or mounted on electronic device 10 via ROM 12 and / or communication unit 19. When the computer program is loaded into RAM 13 and executed by processor 11, one or more steps of the credit application processing method described above may be performed. Alternatively, in other embodiments, processor 11 may be configured to perform the credit application processing method by any other suitable means (e.g., by means of firmware).

[0086] Various embodiments of the systems and techniques described above herein can be implemented in digital electronic circuit systems, integrated circuit systems, field-programmable gate arrays (FPGAs), application-specific integrated circuits (ASICs), application-specific standard products (ASSPs), systems-on-a-chip (SoCs), payload-programmable logic devices (CPLDs), computer hardware, firmware, software, and / or combinations thereof. These various embodiments may include implementations in one or more computer programs that can be executed and / or interpreted on a programmable system including at least one programmable processor, which may be a dedicated or general-purpose programmable processor, capable of receiving data and instructions from a storage system, at least one input device, and at least one output device, and transmitting data and instructions to the storage system, the at least one input device, and the at least one output device.

[0087] Computer programs used to implement the methods of the present invention may be written in any combination of one or more programming languages. These computer programs may be provided to a processor of a general-purpose computer, a special-purpose computer, or other programmable data processing device, such that when executed by the processor, the computer programs cause the functions / operations specified in the flowcharts and / or block diagrams to be performed. The computer programs may be executed entirely on a machine, partially on a machine, or as a standalone software package, partially on a machine and partially on a remote machine, or entirely on a remote machine or server.

[0088] In the context of this invention, a computer-readable storage medium can be a tangible medium that may contain or store a computer program for use by or in conjunction with an instruction execution system, apparatus, or device. A computer-readable storage medium may include, but is not limited to, electronic, magnetic, optical, electromagnetic, infrared, or semiconductor systems, apparatus, or devices, or any suitable combination thereof. Alternatively, a computer-readable storage medium may be a machine-readable signal medium. More specific examples of machine-readable storage media include electrical connections based on one or more wires, portable computer disks, hard disks, random access memory (RAM), read-only memory (ROM), erasable programmable read-only memory (EPROM or flash memory), optical fibers, portable compact disk read-only memory (CD-ROM), optical storage devices, magnetic storage devices, or any suitable combination thereof.

[0089] To provide interaction with a user, the systems and techniques described herein can be implemented on an electronic device having: a display device (e.g., a CRT (cathode ray tube) or LCD (liquid crystal display) monitor) for displaying information to the user; and a keyboard and pointing device (e.g., a mouse or trackball) through which the user provides input to the electronic device. Other types of devices can also be used to provide interaction with the user; for example, feedback provided to the user can be any form of sensory feedback (e.g., visual feedback, auditory feedback, or tactile feedback); and input from the user can be received in any form (including sound input, voice input, or tactile input).

[0090] The systems and technologies described herein can be implemented in computing systems that include backend components (e.g., as data servers), or computing systems that include middleware components (e.g., application servers), or computing systems that include frontend components (e.g., user computers with graphical user interfaces or web browsers through which users can interact with implementations of the systems and technologies described herein), or any combination of such backend, middleware, or frontend components. The components of the system can be interconnected via digital data communication of any form or medium (e.g., communication networks). Examples of communication networks include local area networks (LANs), wide area networks (WANs), blockchain networks, and the Internet.

[0091] A computing system can include clients and servers. Clients and servers are generally located far apart and typically interact through communication networks. The client-server relationship is created by computer programs running on the respective computers and having a client-server relationship with each other. The server can be a cloud server, also known as a cloud computing server or cloud host, which is a hosting product within the cloud computing service system to address the shortcomings of traditional physical hosts and VPS services, such as high management difficulty and weak business scalability.

[0092] It should be understood that the various forms of processes shown above can be used, with steps reordered, added, or deleted. For example, the steps described in this invention can be executed in parallel, sequentially, or in different orders, as long as the desired result of the technical solution of this invention can be achieved, and this is not limited herein.

[0093] The specific embodiments described above do not constitute a limitation on the scope of protection of this invention. Those skilled in the art should understand that various modifications, combinations, sub-combinations, and substitutions can be made according to design requirements and other factors. Any modifications, equivalent substitutions, and improvements made within the spirit and principles of this invention should be included within the scope of protection of this invention.

[0094] This invention also provides a computer program product, including a computer program and / or instructions, which, when executed by a processor, implements the credit application processing method provided in any embodiment of this application.

[0095] In implementing the computer program product, computer program code for performing the operations of this invention can be written in one or more programming languages ​​or a combination thereof. Programming languages ​​include object-oriented programming languages ​​such as Java, Smalltalk, and C++, as well as conventional procedural programming languages ​​such as C or similar languages. The program code can be executed entirely on the user's computer, partially on the user's computer, as a standalone 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 remote computers, the remote computer can be connected to the user's computer via any type of network—including a local area network (LAN) or a wide area network (WAN)—or can be connected to an external computer (e.g., via the Internet using an Internet service provider).

[0096] Note that the above description is merely a preferred embodiment of the present invention and the technical principles employed. Those skilled in the art will understand that the present invention is not limited to the specific embodiments described herein, and various obvious changes, readjustments, and substitutions can be made without departing from the scope of protection of the present invention. Therefore, although the present invention has been described in detail through the above embodiments, the present invention is not limited to the above embodiments, and may include many other equivalent embodiments without departing from the concept of the present invention, the scope of which is determined by the scope of the appended claims.

Claims

1. A method for processing credit applications, characterized in that, Applied to a credit application processing system, the credit application processing system including a first terminal, a server, and a second terminal, the method includes: The first terminal sends a loan request to the server; If the loan request is not approved, the server encrypts the target error code of the loan request to obtain a ciphertext string, determines an encrypted image based on the ciphertext string, and sends the encrypted image to the first terminal. The first terminal receives and displays the encrypted image; The second terminal determines the ciphertext string based on the encrypted image in the first terminal, and sends the ciphertext string to the server. The server determines the target error information based on the encrypted string and sends the target error information to the second terminal, wherein the target error information is used to explain the reason for the failure of the approval.

2. The method according to claim 1, characterized in that, The server determines the encrypted image based on the ciphertext string, including: The server processes the encrypted string into a watermark and then combines the watermark into the target image to obtain an encrypted image.

3. The method according to claim 2, characterized in that, The target image is an image from the server's preset image library.

4. The method according to claim 1, characterized in that, The server encrypts the target error code of the loan request to obtain a ciphertext string, including: The server uses a symmetric encryption algorithm to encrypt the target error code of the loan request, obtaining a ciphertext string.

5. The method according to claim 4, characterized in that, The server determines the target error information based on the encrypted string, including: The server uses the symmetric encryption algorithm to decrypt the ciphertext string to obtain the target error code. Based on the target error code and a preset dictionary, it determines the target error information, wherein the preset dictionary includes the error code and the error information.

6. The method according to claim 1, characterized in that, The second terminal determines the ciphertext string based on the encrypted image in the first terminal, including: The second terminal takes a picture of the encrypted image in the first terminal and parses it to obtain a ciphertext string.

7. A credit application processing system, characterized in that, It includes a first terminal, a server, and a second terminal, wherein: The first terminal is used to send a loan request to the server; The server is configured to, in the event that the loan request is not approved, encrypt the target error code of the loan request to obtain a ciphertext string, determine an encrypted image based on the ciphertext string, and send the encrypted image to the first terminal; The first terminal is used to receive and display the encrypted image; The second terminal is used to determine a ciphertext string based on the encrypted image in the first terminal, and send the ciphertext string to the server. The server is used to determine the target error information based on the encrypted string and send the target error information to the second terminal, wherein the target error information is used to explain the reason for the failure of the approval.

8. An electronic device, characterized in that, The electronic device is configured as a first terminal, server, or second terminal in a credit application processing system, and the electronic device includes: At least one processor; and A memory communicatively connected to the at least one processor; wherein, The memory stores a computer program that can be executed by the at least one processor to enable the at least one processor to perform the credit application processing method as described in any one of claims 1-6.

9. A computer-readable storage medium, characterized in that, The computer-readable storage medium stores computer instructions that cause a processor to execute the credit application processing method as described in any one of claims 1-6.

10. A computer program product, characterized in that, The computer program product includes a computer program that, when executed by a processor, implements the credit application processing method as described in any one of claims 1-6.

Images