Service information transmission method and device, storage medium and electronic device

Abstract

The invention discloses a service information transmission method and device, a storage medium and an electronic device.The method comprises the steps that first service information of a target service needing to execute associated operation is determined from a database through identity recognition information of a first object; wherein the first service information is pushed to the financial institution by the public fund institution through a direct connection interface provided by the financial institution; executing the association operation on the first business information and the first transaction business through an object code of a second object inputting the identity recognition information, and updating the business state of the first business information to be associated; querying a business approval state of the associated first business information according to a preset period; and under the condition that the service approval state is approval completion, second service information corresponding to the first service information is fed back to the public fund institution through the direct connection interface.

Description

TECHNICAL FIELD

[0001] The present application relates to the field of finance, in particular, to a business information transmission method and device, a storage medium and an electronic device. BACKGROUND

[0002] In the existing combined loan business handling, there are problems such as data interaction fragmentation between banks and provident fund centers, inefficient management of delivery of contact sheets, lagging synchronization of approval information, and non-automation of process handling. The combined loan contact sheet pushed by the provident fund center needs to be manually received by the bank, manually scanned and uploaded, and associated with commercial loans, which is prone to human error. After the bank completes the commercial loan approval, the approval information needs to be manually fed back to the provident fund center, and the information synchronization period is long. When the provident fund center invalidates the contact sheet or completes the approval, offline manual delivery of updated information is required, which is prone to state synchronization omissions. The bank cannot efficiently query the provident fund center's approval information, and needs to operate across systems.

[0003] That is, in the related art, there are problems such as low efficiency and easy errors in the process of handling combined loan business, with the interactive data (such as contact sheets) between banks and provident fund centers being manually delivered.

[0004] In view of the problems such as low efficiency and easy errors in the process of handling combined loan business, with the interactive data (such as contact sheets) between banks and provident fund centers being manually delivered in the related art, an effective solution has not yet been proposed. SUMMARY

[0005] The embodiments of the present application provide a business information transmission method and device, a storage medium and an electronic device to at least solve the problems such as low efficiency and easy errors in the process of handling combined loan business, with the interactive data (such as contact sheets) between banks and provident fund centers being manually delivered in the related art.

[0006] According to an aspect of the embodiments of the present application, a method for transmitting service information is provided. The method comprises: determining first service information of a target service which needs to perform an association operation from a database through identity identification information of a first object; wherein the target service is a combined financial transaction service which needs to be supported by a financial institution and a public fund institution, the combined financial transaction service comprises a first transaction service supported by the financial institution and a second transaction service supported by the public fund institution; the first service information comprises approval information and a first contact sheet issued by the public fund institution in the case that an application for the target service submitted by the first object is approved; the first service information is pushed to the financial institution by the public fund institution through a direct connection interface provided by the financial institution; performing the association operation of the first service information and the first transaction service through an object code of a second object inputting the identity identification information, and updating a service state of the first service information to be associated; querying a service approval state of the first service information whose service state is associated according to a preset period; and feeding back second service information corresponding to the first service information to the public fund institution through the direct connection interface in the case that the service approval state is approval completion; wherein the second service information comprises approval information of the first transaction service by the financial institution and a second contact sheet issued by the financial institution.

[0007] In an example embodiment, performing the association operation of the first service information and the first transaction service through the object code of the second object inputting the identity identification information comprises: querying a transaction service list associated with the second object through the object code; selecting the first transaction service from the transaction service list; and performing the association operation of the first service information and the first transaction service through a file code of the first contact sheet and an application sequence number of the first transaction service.

[0008] In an example embodiment, before performing the association operation of the first service information and the first transaction service through the object code of the second object inputting the identity identification information, the method further comprises: verifying whether the first contact sheet has been associated with a third transaction service, wherein the third transaction service is any transaction service supported by the financial institution except the first transaction service; determining to allow performing the association operation of the first service information and the first transaction service in the case that the first contact sheet is not associated with the third transaction service; and performing a prompt operation in the case that the first contact sheet is associated with the third transaction service, wherein the prompt operation is used to indicate that the first contact sheet is associated with the third transaction service.

[0009] In an example embodiment, after the association operation between the first service information and the first transaction service is performed by inputting the object code of the second object of the identity recognition information, the method further comprises: converting the original file of the first contact sheet into a target format picture, wherein the target format picture is added with a watermark of the second object; and sending the target format picture to a transaction service management directory in a preset server.

[0010] In an example embodiment, before the first service information of the target service needing to perform the association operation is determined from the database by the identity recognition information of the first object, the method further comprises: receiving the first service information through the direct connection interface; storing the first service information into the database, and marking the service state of the first service information as being handled.

[0011] In an example embodiment, after the first service information is received through the direct connection interface, the method further comprises: receiving the invalidation information pushed by the public fund institution through the direct connection interface, wherein the invalidation information is used to indicate that the application of the first object for the target service is invalid; and updating the service state of the first service information to be invalid according to the invalidation information.

[0012] In an example embodiment, the method further comprises: querying the approval information of the second transaction service and the service state of the second transaction service from the public fund institution through the direct connection interface according to a query request of a third object; and receiving the query of the public fund institution for the approval information of the first transaction service and the service state of the first transaction service.

[0013] According to another aspect of the embodiments of the present application, a business information transmission device is also provided, comprising: a determining module configured to determine first business information of a target business requiring an association operation from a database through identity recognition information of a first subject; wherein the target business is a combined financial transaction business requiring support from a financial institution and a public fund institution, the combined financial transaction business comprises a first transaction business supported by the financial institution and a second transaction business supported by the public fund institution; the first business information comprises approval information and a first contact sheet issued by the public fund institution in the case that an application for the target business submitted by the first subject is approved; the first business information is pushed to the financial institution by the public fund institution through a direct connection interface provided by the financial institution; an executing module configured to perform the association operation of the first business information and the first transaction business through a subject code of a second subject inputting the identity recognition information, and update a business state of the first business information to associated; a feedback module configured to query a business approval state of the first business information with the business state being associated according to a preset period, and feed back second business information corresponding to the first business information to the public fund institution through the direct connection interface in the case that the business approval state is approval completed; wherein the second business information comprises approval information of the first transaction business by the financial institution and a second contact sheet issued by the financial institution.

[0014] According to another aspect of the embodiments of the present application, a computer readable storage medium is also provided, characterized in that the computer readable storage medium comprises a stored program, wherein the program runs the business information transmission method when running.

[0015] According to another aspect of the embodiments of the present application, an electronic device is also provided, comprising a memory and a processor, characterized in that the memory stores a computer program, and the processor runs the business information transmission method through the computer program.

[0016] According to another aspect of the embodiments of the present application, a computer program product is also provided, comprising a computer program, wherein the computer program is executed by a processor to implement the business information transmission method.

[0017] In the embodiment of the present application, the first service information of the target service needing to perform the association operation is determined from the database through the identity identification information of the first object; wherein, the first service information is pushed to the financial institution by the public fund institution through the direct connection interface provided by the financial institution; the association operation of the first service information and the first transaction service is performed through the object code of the second object inputting the identity identification information, and the service state of the first service information is updated to be associated; the service approval state of the first service information with the service state being associated is inquired according to a preset period; and in the case that the service approval state is approval completed, the second service information corresponding to the first service information is fed back to the public fund institution through the direct connection interface. The problems in the related art that the interactive data (such as contact sheet) between the bank and the public fund center in the combined loan business handling process is transmitted by manual, low efficiency and easy to make mistakes and the like are solved. The combined loan business handling efficiency and accuracy are improved. BRIEF DESCRIPTION OF DRAWINGS

[0018] The drawings described herein are used to provide further understanding of the present application, and form a part of the present application. The illustrative embodiments of the present application and their descriptions are used to explain the present application, and do not constitute improper limitations on the present application. In the drawings:

[0019] Figure 1 It is a hardware structure block diagram of a computer terminal of a service information transmission method according to an embodiment of the present application;

[0020] Figure 2 It is a flowchart of a service information transmission method according to an embodiment of the present application;

[0021] Figure 3 It is a timing diagram of a service information transmission method according to an embodiment of the present application;

[0022] Figure 4 It is an architecture diagram of a service information transmission system according to an embodiment of the present application;

[0023] Figure 5 It is a structure block diagram of a service information transmission device according to an embodiment of the present application. DETAILED DESCRIPTION

[0024] In order to make the personnel in the technical field better understand the present application, the technical solutions in the embodiments of the present application will be clearly and completely described below in conjunction with the drawings in the embodiments of the present application. Obviously, the described embodiments are only a part of the embodiments of the present application, not all the embodiments. Based on the embodiments in the present application, all other embodiments obtained by the person skilled in the art without creative labor should belong to the scope of protection of the present application.

[0025] It should be noted that the terms "first", "second", and the like in the description and in the claims of the present application and above-described accompanying drawings are used to distinguish similar objects and are not necessarily used to describe a particular sequential or chronological order. It should be understood that the data thus used can be interchanged, where appropriate, so that the embodiments of the present application described herein can be carried out in other than the order shown or described herein. Furthermore, the terms "comprise" and "have", and any variations thereof, are intended to cover a non-exclusive inclusion, for example, a process, method, system, product, or apparatus that comprises a list of steps or units is not necessarily limited to those steps or units that are clearly listed, but can include other steps or units that are not clearly listed or inherent to such processes, methods, products, or apparatuses.

[0026] The method embodiments provided by the embodiments of the present application can run in a computer terminal. Taking the running on the computer terminal as an example, Figure 1 is a hardware structure block diagram of a computer terminal of a service information transmission method according to an embodiment of the present application. As shown in Figure 1 , the computer terminal can include one or more (only one is shown in Figure 1 ) processor 102 (the processor 102 can include but is not limited to a processing system such as a microprocessor MCU or a programmable logic device FPGA) and a memory 104 for storing data, and in an exemplary embodiment, the above-mentioned computer terminal can further include a transmission device 106 for communication function and an input and output device 108. Those skilled in the art can understand that Figure 1 The structure shown is only schematic, which does not limit the structure of the above-mentioned computer terminal. For example, the computer terminal can further include more or less components than those shown in Figure 1 , or have a different configuration with the same function as Figure 1 or more functions than Figure 1 .

[0027] The memory 104 can be used to store computer programs, for example, software programs of application software and modules, such as the computer program corresponding to the service information transmission method in the embodiments of the present application. The processor 102 runs various functional applications and data processing by running the computer program stored in the memory 104, that is, implements the above-mentioned method. The memory 104 can include a high-speed random access memory, and can also include a non-volatile memory, such as one or more magnetic storage systems, flash memories, or other non-volatile solid-state memories. In some examples, the memory 104 can further include a memory remotely arranged with respect to the processor 102, which can be connected to the secure text through a network. Examples of the above-mentioned network include but are not limited to the Internet, an intranet, a local area network, a mobile communication network, and a combination thereof.

[0028] The transmission device 106 is configured to receive or send data via a network. The network can include a wireless network provided by a communication provider of the camera device. In one example, the transmission device 106 includes a network interface controller (NIC) that can be connected to other network devices through a base station to communicate with the Internet.

[0029] The embodiment provides a transmission method of business information, which can be applied to the computer terminal. Figure 2 The embodiment provides a flowchart of a transmission method of business information, which includes the following steps.

[0030] In step S202, the first business information of a target business requiring an association operation is determined from a database through identity identification information of a first object; the target business is a combined financial transaction business requiring support from a financial institution and a public fund institution; the combined financial transaction business includes a first transaction business supported by the financial institution and a second transaction business supported by the public fund institution; the first business information includes approval information and a first contact sheet issued by the public fund institution in the case that an application for the target business submitted by the first object is approved; and the first business information is pushed to the financial institution by the public fund institution through a direct interface provided by the financial institution.

[0031] Optionally, the first business information can be a combined loan business. The combined loan refers to a combined form of a housing accumulation fund loan and a commercial personal housing loan; when a borrower applies for a housing loan, part of the amount is used for the accumulation fund loan, and the remaining amount is used for the commercial loan; the approval and loan need to be completed by the public fund center and the commercial bank. The financial institution can be a commercial bank, and the public fund institution can be a public fund center. The first transaction business can be a commercial personal housing loan supported by the commercial bank, and the second transaction business can be a public fund loan supported by the public fund center. Therefore, the transmission method of business information provided by the embodiment can be applied to a computer terminal of a public fund branch bank connected to the bank and the public fund center.

[0032] The identity identification information of the first object is an ID number. The public fund institution can be a public fund center, and the financial institution can be a public fund branch bank.

[0033] Before step S202, the financial institution can also receive the first business information sent by the public fund institution through the direct interface, and the first business information includes the approval information and the first contact sheet issued by the public fund institution in the case that the application for the target business submitted by the first object is approved.

[0034] Optionally, before determining the first service information of the target service requiring the association operation from the database through the identity recognition information of the first object, the method further comprises: receiving the first service information through the direct connection interface; storing the first service information into the database, and marking the service state of the first service information as being handled.

[0035] That is, the first object (borrower) can first apply for a combination loan to the public fund institution. After the public fund institution approves (specifically, the public accumulation fund loan approval can be approved), the direct connection interface provided by the financial institution to the public fund institution is called to push the approval information, such as the public accumulation fund center's approval information for the public accumulation fund loan, and the first contact sheet, such as the public accumulation fund combination loan contact sheet (the public accumulation fund center issues a contact sheet), to the financial institution in real time in the form of a message. The financial institution can specifically receive the message through an external system, verify the signature, decrypt and encrypt, and perform security check on the message, create a note for the combination loan business corresponding to the message and store it in the database, store the first contact sheet in OFD format in the message on the server, record the association relationship in the database table, and mark the service state as being handled. At this stage, the bank system successfully receives and initializes a combination loan business and waits for internal processing.

[0036] Among them, the combination loan contact sheet is a standardized voucher generated by the public accumulation fund center and pushed to the bank, and the contact sheet needs to be updated after the bank business is handled and then fed back to the center. It contains borrower information, public accumulation fund loan and housing information, etc. Core content, stored and transmitted in OFD format, is the key basis for bank association commercial loans.

[0037] Step S204, performing the association operation on the first service information and the first transaction service through the object code of the second object inputting the identity recognition information, and updating the service state of the first service information to associated;

[0038] Optionally, the second object can be a mortgage customer manager, and the object code can be the customer manager number of the mortgage customer manager.

[0039] Step S206, querying the business approval state of the first service information with a preset period according to the business state of associated; and in the case that the business approval state is approval completed, feeding back the second service information corresponding to the first service information to the public fund institution through the direct connection interface; wherein the second service information includes: the approval information of the first transaction service by the financial institution and the second contact sheet issued by the financial institution.

[0040] The business approval state of the first business information with the business state being associated is inquired according to a preset period, which essentially means that the business approval state of the first transaction business in the first business information with the business state being associated is inquired according to a preset period. The approval information of the first transaction business can be commercial personal housing loan (commercial loan or commercial housing loan, for short) approval information; and the second contact sheet can be an OFD format public accumulation fund combined loan contact sheet (agreed by the public accumulation fund center and the commercial loan bank).

[0041] Through the above steps, the first business information of the target business needing to perform the association operation is determined from the database through the identity identification information of the first object; wherein the first business information is pushed to the financial institution by the public fund institution through the direct connection interface provided by the financial institution; the association operation of the first business information and the first transaction business is performed through the object code of the second object inputting the identity identification information, and the business state of the first business information is updated to be associated; the business approval state of the first business information with the business state being associated is inquired according to a preset period; and in the case that the business approval state is completed, the second business information corresponding to the first business information is fed back to the public fund institution through the direct connection interface. The problems in the related art, such as low efficiency and easy error of manual transmission of interactive data (such as contact sheets) between banks and public accumulation fund centers in the combined loan business handling process, are solved. The combined loan business handling efficiency and accuracy are improved.

[0042] In one example embodiment, the association operation of the first business information and the first transaction business through the object code of the second object inputting the identity identification information includes: querying a transaction business list associated with the second object through the object code; selecting the first transaction business from the transaction business list; and performing the association operation of the first business information and the first transaction business through the file code of the first contact sheet and the application sequence number of the first transaction business.

[0043] By taking the borrower identity identification information and the customer manager number as input parameters, the interface of the individual loan system of the headquarters (such as the total bank corresponding to the public accumulation fund branch) of the financial institution is called to query the loan list under the loan manager of the housing loan. A piece of commercial loan information (corresponding to the first transaction business) in the loan list is selected to be associated with the combined loan business. The specific association operation is: the file code (such as the file id) of the first contact sheet and the application sequence number (the unique number of the commercial loan application) of the commercial loan are transmitted to the headquarters of the financial institution to perform the commercial loan association by calling the interface of the individual loan system of the headquarters of the financial institution. The business state of the first business information is updated to be associated.

[0044] In an example embodiment, before the association operation of the first business information and the first transaction business is performed by inputting the object code of the second object of the identity recognition information, the method further comprises: verifying whether the first contact sheet has been associated with a third transaction business, wherein the third transaction business is any transaction business supported by the financial institution other than the first transaction business; in the case that the first contact sheet is not associated with the third transaction business, determining to allow the association operation of the first business information and the first transaction business to be performed; in the case that the first contact sheet has been associated with the third transaction business, performing a prompt operation, wherein the prompt operation is used to indicate that the first contact sheet has been associated with the third transaction business.

[0045] That is, when associating a commercial loan, the system verifies whether the query has an associated loan and whether it is the same as the current selected one. If not (or has been and is the same as the current selected one), the association is completed; if there has been an associated record and it is not the same as the current selected one, the system prompts: the contact sheet has been associated with other loans (i.e. the third transaction business), please confirm whether to re-associate with the selected loan (i.e. the first transaction business) this time.

[0046] In an example embodiment, after or at the same time as the association operation of the first business information and the first transaction business is performed by inputting the object code of the second object of the identity recognition information, the method further comprises: converting the original file of the first contact sheet into a target format picture, wherein the target format picture is added with a watermark of the second object; and sending the target format picture to a transaction business management directory in a preset server.

[0047] That is, the OFD file of the first contact sheet transmitted by the public accumulation fund center is converted into a JPG picture added with a mortgage client manager watermark, and is transmitted to the individual loan image management directory of the file server, so as to realize the electronic archiving and sharing of the public accumulation fund center approval result and the bank internal approval process. The individual loan image management directory is a file server directory in which the bank head office P9 system stores individual loan application approval related image files, and is used to store the combined loan contact sheet image in the combined loan approval process.

[0048] In an example embodiment, after the first business information is received through the direct connection interface, the method further comprises: receiving the invalidation information pushed by the public fund institution through the direct connection interface, wherein the invalidation information is used to indicate that the application for the target business by the first object is invalid; and updating the business state of the first business information to be invalid according to the invalidation information.

[0049] If the housing fund center or the customer party cancels the combination loan for some reason, the housing fund center pushes the cancellation information to the bank through the interface. After receiving the cancellation information through the external connection system and the back-end system, the bank updates the business state of the corresponding contact sheet to "canceled". This stage ensures the consistency and traceability of information between the two parties and completes the closed loop of the business process.

[0050] In one exemplary embodiment, the method further comprises: querying the second transaction business approval information and the second transaction business state from the public fund institution through the direct interface according to the query request of the third object; and receiving the query of the first transaction business approval information and the first transaction business state from the public fund institution.

[0051] That is, the bank staff (i.e. the third object) can input the screening item through the loan receiving post menu of the employee channel, query the approval information and state of the housing fund loan part from the housing fund center through the direct interface. The housing fund center can also query the approval information and loan status stored in the bank's back-end database through the interface in real time, which is consistent with the above process state. Among them, the employee channel: the online operation channel front end of the bank staff handling business. Different post personnel (loan after-service post, loan release post, etc.) can configure corresponding function menu permissions.

[0052] Obviously, the above-described embodiments are only part of the embodiments of the present application, not all. In order to better understand the above business information transmission method, the above process is described in conjunction with the following embodiments, but not used to limit the technical solutions of the embodiments of the present application, specifically:

[0053] The housing fund management center and the bank have realized direct connection, and have basic data transmission capability, but the combination loan business is still mainly offline. The housing fund center transmits the combination loan contact sheet to the bank through the customer offline, and the bank staff receives it and performs the approval process, associates the commercial loan and generates the contact sheet feedback link, and then feeds back the contact sheet to the housing fund center through offline, which is low in business handling efficiency and easy to make mistakes. But the bank and the housing fund center have the ability of interface data push interaction and file transmission, which provides a basic support for building an online collaborative system.

[0054] Specifically, in the prior art, the online of the combination loan business only covers part of the links, and does not form a whole-process closed loop. After the public accumulation fund center completes the combination loan approval, the public accumulation fund combination loan contact sheet (the public accumulation fund center issues a copy) is transmitted to the bank through offline mode, the bank loan receiving staff queries the commercial loan related information through the online staff channel, and performs associated approval. After the bank completes the commercial loan approval, the public accumulation fund combination loan contact sheet (the public accumulation fund center and the commercial bank agree on a copy) is fed back to the public accumulation fund center through offline mode. That is, the combination loan in the prior art has the following defects:

[0055] The contact sheet transmission management is inefficient: the contact sheet generated by the public accumulation fund center and the feedback generated by the bank need to be transmitted offline, the associated commercial loan information needs to be queried manually, the total line system needs to be uploaded, and the electronic seal needs to be stamped, the operation steps are complicated, and manual errors are prone to occur. The approval information is synchronous and lagging: after the bank completes the commercial loan approval, the approval information materials need to be manually arranged and fed back to the public accumulation fund center through offline mode, the information synchronization period is long, and the subsequent loan process is affected. The business state is not updated automatically: when the state changes in the combination loan approval process, the system does not automatically update, relies on manual and external system information transmission, and is prone to state update omission and delay; the query function is weak: when the bank internally queries the public accumulation fund center approval information, the external system needs to be logged in, the bank internal platform cannot be uniformly queried, and the combination associated bank information and screening function are lacking, the query efficiency is low; in summary, the prior art has problems such as high proportion of manual operation, information synchronization lag, image manual uploading association, and query and statistics difficulty, and cannot meet the requirements of digital transformation and improvement of user experience.

[0056] In view of the defects of the prior art, in combination with the public accumulation fund center business specification, the purpose of the embodiment of the present application is to provide a system for managing the interaction between the combination loan process and the public accumulation fund center and an implementation manner thereof (equivalent to the business information transmission method in the above embodiment), which realizes online reception of the contact sheet interacting with the public accumulation fund center, automatically pushes the approval information and the bank end contact sheet to the public accumulation fund center after the bank completes the approval, synchronously updates the business state, and does not need manual transmission and processing. The associated contact sheet can be quickly queried through the borrower's ID card, the commercial loan information is automatically queried and associated with the corresponding commercial loan, manual errors are avoided, and an automatic system process is realized. The permission query function is provided, the bank internal post can query the public accumulation fund center approval information and the business state in the staff channel, and multi-condition screening is supported.

[0057] Optionally, the implementation manner of the present application for managing the interaction between the combination loan process and the public accumulation fund center is as shown in Figure 3 , which comprises:

[0058] 1) Borrower applies for a combination loan, and after the approval of the public accumulation fund center, the direct interface provided by the bank is called to push the center loan approval information and the public accumulation fund combination loan contact sheet (public accumulation fund center issued) to the bank side in real time. The bank receives the message through the external system, performs signature verification, decryption and security check, and the system creates a record for this business and stores it in the backend system database. The received OFD format contact sheet original is stored on the server, and the association relationship is also recorded in the database table. The business status is marked as being handled. At this stage, the bank system successfully receives and initializes a combination loan business and waits for internal processing.

[0059] 2) The mortgage client manager inputs the borrower's ID number in the system and queries the relevant detail list pushed by the public accumulation fund center through the system to select the combination loan information to be associated. The client manager number is input as a parameter through the identity information and the front-end client manager number to call the interface of the general loan system to query the loan list under the client manager. The client manager selects one commercial loan information for association. At this time, the system automatically calls the interface of the general P9 system to convert the OFD file of the combination loan contact sheet transmitted by the center into a JPG picture with a mortgage client manager watermark, as shown in Figure 4 The file is transmitted to the individual loan image management directory of the general file server to realize the electronic archiving and sharing of the public accumulation fund center approval results and the bank internal approval process. At the same time, the interface of the general individual loan system is called to transmit the file id of the contact sheet and the application sequence number (the unique number of the commercial loan application) to the general bank for commercial loan association. The business status is updated to associated.

[0060] Among them, when associating a commercial loan, the system needs to verify whether there is an associated loan and whether it is the same as the current selection. If not (or if it is the same as the current selection), the association is completed and the image push is initiated. If there is an associated record and it is not the same as the current selection, the system prompts: this contact sheet has been associated with other loans. Please confirm whether to associate it with the selected loan again. Confirm to overwrite, cancel to terminate the association function in time.

[0061] 3) The system automatically scans all combination loan information with the status of associated every day, calls the general interface according to the application sequence number to query the information and the latest business status of this commercial loan. When the query business approval status is the status of approval completion, the system automatically updates the business status to sendable.

[0062] 4) The system initiates a timing task to scan all the combination loan information whose business status is "sendable" or "send failed" at regular intervals, generates an OFD format of the public accumulation fund combination loan contact sheet (agreed by the public accumulation fund center and the commercial bank) according to the loan approval result (such as the final amount, the term, etc.) of the associated commercial loan and the borrower information, feeds back the file and the commercial loan approval information to the center through the direct connection interface and the external contact system, and the system automatically updates the business status to "combination loan effective". If the sending fails abnormally, the interface of the total bank employee APP component system is called to perform corresponding failure error prompt, and the business status is updated to "send failed". If the approval is not passed, the business status is updated to "approval failed".

[0063] 5) If the public accumulation fund center or the customer side cancels the combination loan for some reason, the public accumulation fund center pushes the cancellation information to the bank through the interface, and after the bank receives the cancellation information through the external contact system and the back-end system, the business status of the corresponding contact sheet is updated to "canceled". This stage ensures the consistency and traceability of the information of both parties and completes the closed loop of the business process.

[0064] 6) The bank business personnel can input the screening item through the loan receiving post menu of the employee channel, query the approval information and the status of the public accumulation fund loan part of the public accumulation fund center through the direct connection interface. The public accumulation fund center can also query the approval information and the loaning situation stored in the database of the bank back-end through the interface in real time, and the status is consistent with the above process status.

[0065] Through the description of the above implementation mode, those skilled in the art can clearly understand that the method according to the above embodiment can be realized by means of software and the necessary general hardware platform, and of course it can also be realized by hardware, but in many cases the former is a better implementation mode. Based on such understanding, the technical solutions of the present application can be embodied in the form of a software product, which is stored in a storage medium (such as ROM / RAM, magnetic disc, optical disc) and includes a plurality of instructions for making a terminal device (which can be a mobile phone, computer, server, or network device, etc.) run the method of each embodiment of the present application.

[0066] In the present embodiment, a business information transmission device is also provided, which is used to implement the above embodiments and preferred embodiments, and will not be described again. As used below, the term "module" can be a combination of software and / or hardware that implements a predetermined function. Although the devices described in the following embodiments are preferably implemented in software, hardware or a combination of software and hardware is also possible and contemplated.

[0067] Figure 5 is a structural block diagram of a business information transmission device according to an embodiment of the present application; asFigure 5 As shown, comprising:

[0068] The determination module 52 is configured to determine first service information of a target service requiring an association operation from a database through identity recognition information of a first object; wherein the target service is a combined financial transaction service requiring joint support from a financial institution and a public fund institution, the combined financial transaction service includes a first transaction service supported by the financial institution and a second transaction service supported by the public fund institution; the first service information includes approval information and a first contact sheet issued by the public fund institution in the case that an application for the target service submitted by the first object is approved; and the first service information is pushed to the financial institution by the public fund institution through a direct connection interface provided by the financial institution;

[0069] The execution module 54 is configured to perform the association operation of the first service information and the first transaction service through an object code of a second object inputting the identity recognition information, and update the service state of the first service information to associated;

[0070] The feedback module 56 is configured to query a service approval state of the first service information with the service state being associated according to a preset period, and feed back second service information corresponding to the first service information to the public fund institution through the direct connection interface in the case that the service approval state is approval completed; wherein the second service information includes approval information of the first transaction service of the financial institution and a second contact sheet issued by the financial institution.

[0071] Through the above-mentioned device of the present application, the first service information of the target service requiring the association operation is determined from the database through the identity recognition information of the first object; wherein the first service information is pushed to the financial institution by the public fund institution through the direct connection interface provided by the financial institution; the association operation of the first service information and the first transaction service is performed through the object code of the second object inputting the identity recognition information, and the service state of the first service information is updated to associated; the service approval state of the first service information with the service state being associated is queried according to a preset period, and the second service information corresponding to the first service information is fed back to the public fund institution through the direct connection interface in the case that the service approval state is approval completed. The problems in the related art that the interactive data (such as the contact sheet) between the bank and the public fund center in the combined loan service handling process is manually transmitted, the efficiency is low and the error is prone to occur, etc. are solved. The combined loan service handling efficiency and accuracy are improved.

[0072] In an example embodiment, the execution module 54 is further configured to query a transaction service list associated with the second object by the object code of the second object, select the first transaction service from the transaction service list, and perform the association operation between the first service information and the first transaction service by the file code of the first contact sheet and the application serial number of the first transaction service.

[0073] In an example embodiment, the device further comprises a verification module configured to, before performing the association operation between the first service information and the first transaction service by the object code of the second object inputting the identity information, verify whether the first contact sheet has been associated with a third transaction service, wherein the third transaction service is any transaction service supported by the financial institution other than the first transaction service, determine to allow the association operation between the first service information and the first transaction service if the first contact sheet is not associated with the third transaction service, and perform a prompt operation if the first contact sheet is associated with the third transaction service, wherein the prompt operation is configured to indicate that the first contact sheet is associated with the third transaction service.

[0074] In an example embodiment, the device further comprises a sending module configured to, after performing the association operation between the first service information and the first transaction service by the object code of the second object inputting the identity information, convert the original file of the first contact sheet into a target format picture, wherein the target format picture is added with a watermark of the second object, and send the target format picture to a transaction service management directory in a preset server.

[0075] In an example embodiment, the device further comprises a receiving module configured to, before determining the first service information of the target service requiring the association operation from the database by the identity information of the first object, receive the first service information through the direct connection interface, store the first service information into the database, and mark the service state of the first service information as being handled.

[0076] In an example embodiment, the receiving module is further configured to receive invalidation information pushed by the public fund institution through the direct connection interface, wherein the invalidation information is configured to indicate that the application for the target service by the first object is invalid, and update the service state of the first service information to be invalid according to the invalidation information.

[0077] In an example embodiment, the apparatus further comprises a querying module configured to query the public fund institution for the approval information of the second transaction business and the service state of the second transaction business through the direct interface according to a query request of a third object.

[0078] Embodiments of the present application also provide a storage medium comprising a stored program, wherein the program is configured to execute any of the above methods when executed.

[0079] Optionally, in the present embodiment, the storage medium can be configured to store program codes for executing the following steps:

[0080] S1, determining first service information of a target business requiring an association operation from a database through identity recognition information of a first object; wherein the target business is a combined financial transaction business requiring support from a financial institution and a public fund institution, the combined financial transaction business comprising a first transaction business supported by the financial institution and a second transaction business supported by the public fund institution; the first service information comprises approval information and a first contact sheet issued by the public fund institution in the case that the public fund institution approves an application for the target business submitted by the first object; and the first service information is pushed to the financial institution by the public fund institution through a direct interface provided by the financial institution;

[0081] S2, performing the association operation of the first service information and the first transaction business through object code of a second object inputting the identity recognition information, and updating the service state of the first service information to associated;

[0082] S3, querying a service approval state of the first service information with an associated service state according to a preset period, and feeding back second service information corresponding to the first service information to the public fund institution through the direct interface in the case that the service approval state is approval completed; wherein the second service information comprises approval information of the first transaction business by the financial institution and a second contact sheet issued by the financial institution.

[0083] In an example embodiment, the computer readable storage medium can comprise, but is not limited to, a U disk, a read-only memory (ROM), a random access memory (RAM), a mobile hard disk, a magnetic disk or an optical disk, and various media capable of storing computer programs.

[0084] The specific examples in the embodiments can refer to the examples described in the above embodiments and exemplary embodiments, which will not be repeated here.

[0085] The embodiments of the present application also provide an electronic device, comprising a memory and a processor, the memory storing a computer program, and the processor being configured to execute the computer program to execute the steps in any of the method embodiments.

[0086] Optionally, in the embodiments, the processor can be configured to execute the following steps by the computer program:

[0087] S1, determining first service information of a target service needing to perform an association operation from a database through identity recognition information of a first object; wherein the target service is a combined financial transaction service needing to be supported by a financial institution and a public fund institution, the combined financial transaction service comprising a first transaction service supported by the financial institution and a second transaction service supported by the public fund institution; the first service information comprises approval information and a first contact sheet issued by the public fund institution in the case that an application for the target service submitted by the first object is approved; and the first service information is pushed to the financial institution by the public fund institution through a direct connection interface provided by the financial institution;

[0088] S2, performing the association operation of the first service information and the first transaction service through object code of a second object inputting the identity recognition information, and updating a service state of the first service information to associated;

[0089] S3, querying a service approval state of the first service information whose service state is associated according to a preset period, and feeding back second service information corresponding to the first service information to the public fund institution through the direct connection interface in the case that the service approval state is approval completed; wherein the second service information comprises approval information of the first transaction service of the financial institution and a second contact sheet issued by the financial institution.

[0090] Optionally, the electronic device can further comprise a transmission device and an input and output device, wherein the transmission device is connected with the processor, and the input and output device is connected with the processor.

[0091] The embodiments of the present application also provide a computer program product, the computer program product comprising a computer program, the computer program being executed by a processor to implement the steps in any of the method embodiments.

[0092] The embodiment of the present application further provides another computer program product, comprising a nonvolatile computer readable storage medium, which stores a computer program, and the computer program is executed by a processor to implement the steps in any of the method embodiments.

[0093] The embodiment of the present application further provides a computer program, which comprises computer instructions stored in a computer readable storage medium; a processor of a computer device reads the computer instructions from the computer readable storage medium, and the processor executes the computer instructions to enable the computer device to perform the steps in any of the method embodiments.

[0094] Optionally, specific examples in the embodiment can refer to the examples described in the above embodiments and optional implementation manners, and the embodiment will not be described here again.

[0095] Obviously, those skilled in the art should understand that each module or each step of the above-mentioned present application can be realized by a general computing system, which can be concentrated on a single computing system, or distributed on a network composed of multiple computing systems, and optionally, each module or each step can be realized by program codes executable by a computing system, so that each module or each step can be stored in a storage system and executed by a computing system, and in some cases, the steps shown or described can be executed in an order different from that shown or described, or each module or each step can be manufactured into an individual integrated circuit module, or multiple modules or steps can be manufactured into a single integrated circuit module. Thus, the present application is not limited to any specific combination of hardware and software.

[0096] The above only describes the preferred embodiments of the present application and is not used to limit the present application. For those skilled in the art, the present application can have various modifications and changes. Any modification, equivalent replacement, improvement, etc. within the principles of the present application shall be included in the protection scope of the present application.

Claims

1. A method for transmitting business information, characterized in that, include: The first business information of the target business requiring associated operation is determined from the database using the identity information of the first object; wherein, the target business is a combined financial transaction business that needs to be jointly supported by a financial institution and a public fund institution, the combined financial transaction business includes: a first transaction business supported by the financial institution and a second transaction business supported by the public fund institution; the first business information includes: approval information and a first contact form issued by the public fund institution upon approval of the application for the target business submitted by the first object; the first business information is pushed by the public fund institution to the financial institution through a direct connection interface provided by the financial institution; The association operation between the first business information and the first transaction business is performed by inputting the object code of the second object of the identity recognition information, and the business status of the first business information is updated to be associated. The system queries the business approval status of the first business information that is associated with the business status according to a preset period; and when the business approval status is "approval completed", it feeds back the second business information corresponding to the first business information to the public fund institution through the direct connection interface; wherein, the second business information includes: the financial institution's approval information for the first transaction business and the second contact form issued by the financial institution.

2. The method for transmitting business information according to claim 1, characterized in that, The association operation between the first business information and the first transaction business is performed by inputting the object code of the second object containing the identity information, including: The transaction business list associated with the second object is queried using the object code; Select the first transaction from the list of transaction services; The association operation between the first business information and the first transaction business is performed using the file code of the first contact form and the application sequence number of the first transaction business.

3. The method for transmitting business information according to claim 1, characterized in that, Before performing the association operation between the first business information and the first transaction business by inputting the object code of the second object of the identity recognition information, the method further includes: Verify whether the first contact form has been associated with the third transaction business, wherein the third transaction business is any transaction business supported by the financial institution other than the first transaction business; If the first contact form is not associated with the third transaction, it is determined that the association operation between the first business information and the first transaction is permitted. If the first contact form is associated with the third transaction, a prompting operation is performed, wherein the prompting operation is used to indicate that the first contact form is associated with the third transaction.

4. The method for transmitting business information according to claim 1, characterized in that, After performing the association operation between the first business information and the first transaction business by inputting the object code of the second object of the identity recognition information, the method further includes: The original file of the first contact form is converted into an image in the target format, wherein the image in the target format is watermarked with the second object; Send the image in the target format to the transaction management directory in the preset server.

5. The method for transmitting business information according to claim 1, characterized in that, Before determining the first business information of the target business requiring associated operation from the database using the first object's identification information, the method further includes: The first service information is received through the direct connection interface; The first business information is stored in the database, and the business status of the first business information is marked as being processed.

6. The method for transmitting business information according to claim 5, characterized in that, After receiving the first service information through the direct connection interface, the method further includes: The system receives cancellation information pushed by the public fund institution through the direct connection interface, wherein the cancellation information is used to indicate that the application for the target business submitted by the first object is cancelled; The business status of the first business information is updated to "invalid" according to the invalidation information.

7. The method for transmitting business information according to claim 1, characterized in that, The method further includes: Based on the query request from the third party, the public fund institution is queried via the direct connection interface for the approval information and business status of the second transaction; and Receive approval information from the public fund institution regarding the first transaction and inquire about the business status of the first transaction.

8. A device for transmitting business information, characterized in that, include: The determination module is used to determine, from the database, the first business information of the target business requiring associated operations based on the identity information of the first object; wherein, the target business is a combined financial transaction business that needs to be jointly supported by a financial institution and a public fund institution, the combined financial transaction business includes: a first transaction business supported by the financial institution and a second transaction business supported by the public fund institution; the first business information includes: approval information and a first contact form issued by the public fund institution upon approval of the application for the target business submitted by the first object; the first business information is pushed by the public fund institution to the financial institution through a direct connection interface provided by the financial institution; The execution module is configured to perform the association operation between the first business information and the first transaction business by inputting the object code of the second object of the identity recognition information, and update the business status of the first business information to be associated. The feedback module is used to query the business approval status of the first business information that is associated with the business status according to a preset period; and when the business approval status is approval completed, to feed back the second business information corresponding to the first business information to the public fund institution through the direct connection interface; wherein, the second business information includes: the financial institution's approval information for the first transaction business and the second contact form issued by the financial institution.

9. A computer-readable storage medium, characterized in that, The computer-readable storage medium includes a stored program, wherein the program, when executed, performs the method described in any one of claims 1 to 7.

10. An electronic device comprising a memory and a processor, characterized in that, The memory stores a computer program, and the processor is configured to run the method described in any one of claims 1 to 7 through the computer program.

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