Information processing method and device, electronic equipment, storage medium and program product

Abstract

The embodiment of the invention provides an information processing method and device, electronic equipment, a storage medium and a program product. The method comprises the steps of determining an application node of a target lending service and a configuration rule of the application node according to identity information and service place information of the target lending service applied by a first applicant; generating and displaying an application filling interface according to the application node and a configuration rule of the application node; in response to an input operation of the first applicant on the application filling interface, obtaining application information of the application object; authentication information is sent to the first applicant and the second applicant according to the first authentication approach information and the second authentication approach information in the declaration information; receiving authentication result information fed back by the first applicant and the second applicant according to the authentication information; and executing the target lending service according to the authentication result information. The method is used for achieving the effect of improving the business handling efficiency.

Description

Technical Field

[0001] This application relates to the field of computer technology, and in particular to an information processing method, apparatus, electronic device, storage medium, and program product. Background Technology

[0002] Small and micro enterprises and entrepreneurial entities are an important part of the economy, playing an irreplaceable role in stabilizing economic growth, promoting technological innovation, increasing social employment, and improving people's livelihoods. However, during economic downturns, due to their small capital size, low entry barriers, and relatively weak technological capabilities, they are more susceptible to market and industry fluctuations, which can significantly impact their financing and development.

[0003] In the process of processing traditional policy-based loan products, data retrieval, business application, manual approval, rating and credit granting are usually implemented by hard coding in the backend, replacing the variable variables in the business approval with fixed values.

[0004] However, existing technologies for processing loan applications suffer from complex processes and fail to adequately meet user needs. Summary of the Invention

[0005] This application provides an information processing method, apparatus, electronic device, storage medium, and program product to improve business processing efficiency.

[0006] In a first aspect, embodiments of this application provide an information processing method, including:

[0007] Based on the identity information and business location information of the first applicant applying for the target loan business, determine the application node of the target loan business and the configuration rules of the application node;

[0008] Based on the application node and its configuration rules, generate and display the application form interface;

[0009] In response to the first applicant's input operation on the application form interface, the application information of the applicant is obtained. The application information includes the first applicant's first authentication channel information and the second applicant's second authentication channel information. The second applicant and the first applicant are related applicants.

[0010] Based on the first and second authentication methods information in the application information, authentication information is sent to the first applicant and the second applicant respectively.

[0011] Receive certification result information from the first applicant and the second applicant based on the certification information;

[0012] Based on the authentication results, execute the target lending transaction.

[0013] In one possible implementation, based on the identity information and business location information of the first applicant applying for the target lending business, the application node for the target lending business and the configuration rules for the application node are determined, including:

[0014] Obtain the login information of the first applicant;

[0015] Based on the first applicant's login information, obtain the target loan application of the first applicant, the location of the target loan application, and the identity information of the first applicant;

[0016] Based on the target loan application submitted by the first applicant, determine the application milestone for the target loan application;

[0017] Based on the business location information of the target lending business, determine the business configuration rules for the target region from the rule database of the candidate regions;

[0018] Based on the business configuration rules of the target region, the application nodes of the target lending business are configured and the configuration rules of the application nodes are determined.

[0019] In one possible implementation, authentication information is sent to the first applicant and the second applicant respectively, based on the first authentication method information and the second authentication method information in the application information, including:

[0020] The submitted information is processed for identity verification to obtain the identity verification result;

[0021] If the identity verification result indicates that the verification is successful, the information of the second applicant will be obtained in the target area of ​​the application information;

[0022] If the information of the second applicant exists, then the first authentication method information and the second authentication method information are generated based on the information of the second applicant.

[0023] Authentication information was sent to both the first applicant and the second applicant.

[0024] In one possible implementation, the target lending transaction is performed based on the authentication result information, including:

[0025] Based on the authentication results, a loan application recommendation form is generated;

[0026] Based on the application node of the target lending business, the loan application recommendation form is sent to the first approval agency, so that the first approval agency can review the loan application recommendation form based on the authentication result information, obtain the first approval result, and send the loan application recommendation form to the second approval agency based on the first approval result;

[0027] Based on the node approval information in the first and second approval results, the target loan business is executed. The second approval result is the result of the second approval agency's approval of the loan application recommendation form, and the node approval information is the node approval result of each approval node in the second approval agency.

[0028] In one possible implementation, a loan application recommendation form is generated based on the authentication result information, including:

[0029] Based on the authentication results, obtain the government data of the first applicant;

[0030] Based on the first applicant's government data and the target lending business, a loan application recommendation form is generated.

[0031] In one possible implementation, the target lending transaction is executed based on the node approval information in the first and second approval results, including:

[0032] Based on the first approval result, the execution status of the target lending business will be adjusted to the status of approval by the first approval agency;

[0033] Based on the submitted loan data, electronic certificates, loan application recommendation form and authorization letter in the node approval information, the execution status of the target loan business is changed from the first approval agency's approval status to the acceptance status;

[0034] Based on the feedback approval results in the node approval information, the execution status of the target loan business is adjusted from the acceptance status to the approval status;

[0035] Based on the credit information in the node approval information, the execution status of the target loan business is adjusted from the approval status to the credit approval status;

[0036] Based on the loan disbursement information in the node approval information, the execution status of the target loan business is adjusted from the credit approval status to the loan disbursement status;

[0037] Based on the settlement information in the node approval information, the execution status of the target loan business is adjusted from the loan disbursement status to the settlement status.

[0038] In one possible implementation, it also includes:

[0039] After the execution status of the target lending business is adjusted, the adjusted execution status of the target lending business is displayed, and execution status information is sent to the first applicant and the second applicant respectively according to the first authentication channel information and the second authentication channel information in the declaration information.

[0040] Secondly, embodiments of this application provide an information processing apparatus, including:

[0041] The determination module is used to determine the application node of the target lending business and the configuration rules of the application node based on the identity information and business location information of the first applicant applying for the target lending business.

[0042] The generation module is used to generate and display the application form filling interface based on the application node and the configuration rules of the application node;

[0043] The response module is used to respond to the input operation of the first applicant on the application filling interface and obtain the application information of the applicant. The application information includes the first authentication channel information of the first applicant and the second authentication channel information of the second applicant. The second applicant and the first applicant are applicants with a relationship.

[0044] The sending module is used to send authentication information to the first applicant and the second applicant respectively, based on the first authentication method information and the second authentication method information in the application information;

[0045] The receiving module is used to receive authentication result information fed back by the first applicant and the second applicant based on the authentication information;

[0046] The execution module is used to execute the target lending business based on the authentication result information.

[0047] In one possible implementation, based on the identity information and business location information of the first applicant applying for the target lending business, the application node for the target lending business and the configuration rules for the application node are determined, including:

[0048] Obtain the login information of the first applicant;

[0049] Based on the first applicant's login information, obtain the target loan application of the first applicant, the location of the target loan application, and the identity information of the first applicant;

[0050] Based on the target loan application submitted by the first applicant, determine the application milestone for the target loan application;

[0051] Based on the business location information of the target lending business, determine the business configuration rules for the target region from the rule database of the candidate regions;

[0052] Based on the business configuration rules of the target region, the application nodes of the target lending business are configured and the configuration rules of the application nodes are determined.

[0053] In one possible implementation, authentication information is sent to the first applicant and the second applicant respectively, based on the first authentication method information and the second authentication method information in the application information, including:

[0054] The submitted information is processed for identity verification to obtain the identity verification result;

[0055] If the identity verification result indicates that the verification is successful, the information of the second applicant will be obtained in the target area of ​​the application information;

[0056] If the information of the second applicant exists, then the first authentication method information and the second authentication method information are generated based on the information of the second applicant.

[0057] Authentication information was sent to both the first applicant and the second applicant.

[0058] Thirdly, embodiments of this application provide an electronic device, including: a memory and a processor;

[0059] The memory stores the instructions that the computer executes;

[0060] The processor executes computer execution instructions stored in memory, causing the processor to perform the first aspect and / or various possible implementations of the first aspect as described above.

[0061] Fourthly, embodiments of this application provide a computer-readable storage medium storing computer-executable instructions, which, when executed by a processor, are used to implement the first aspect and / or various possible implementations of the first aspect.

[0062] Fifthly, embodiments of this application provide a computer program product, including a computer program that, when executed by a processor, implements the first aspect and / or various possible implementations of the first aspect.

[0063] The information processing method, apparatus, electronic device, storage medium, and program product provided in this application embodiment obtain the identity information and business location information of the first applicant to determine the matching application node and the configuration rules of the application node. Then, based on the application node and the configuration rules of the application node, an application filling interface is obtained. This is a means of obtaining the information of the corresponding first applicant and second applicant, authenticating the applicant for the loan business, and processing the business approval based on the authentication result. This enables the process configuration to meet the differences in business needs between different applicants and different regions, obtain the applicant information that meets the requirements for authentication, and smoothly and quickly execute the subsequent approval business, thereby improving the efficiency of business processing. Attached Figure Description

[0064] The accompanying drawings, which are incorporated in and form part of this specification, illustrate embodiments consistent with this application and, together with the description, serve to explain the principles of this application.

[0065] Figure 1A schematic diagram illustrating a scenario for the information processing method provided in this application;

[0066] Figure 2 Flowchart of the information processing method provided in this application Figure 1 ;

[0067] Figure 3 Flowchart of the information processing method provided in this application Figure 2 ;

[0068] Figure 4 A schematic diagram of the information processing apparatus provided in this application;

[0069] Figure 5 A schematic diagram of the structure of the electronic device provided in this application.

[0070] The accompanying drawings illustrate specific embodiments of this application, which will be described in more detail below. These drawings and descriptions are not intended to limit the scope of the concept in any way, but rather to illustrate the concept of this application to those skilled in the art through reference to particular embodiments. Detailed Implementation

[0071] Exemplary embodiments will now be described in detail, examples of which are illustrated in the accompanying drawings. When the following description relates to the drawings, unless otherwise indicated, the same numbers in different drawings denote the same or similar elements. The embodiments described in the following exemplary embodiments do not represent all embodiments consistent with this application. Rather, they are merely examples of apparatuses and methods consistent with some aspects of this application as detailed in the appended claims.

[0072] First, let me explain the terms used in this application:

[0073] Hard-coding refers to directly writing fixed values ​​or parameters into the program code, rather than dynamically setting them through variables or configuration files. With hard-coding, the relationships between business processes and organizations, personnel, and roles are fixed. If a process changes, the corresponding organizations, personnel, and roles also need to be changed through code development.

[0074] Credit rating refers to the process by which banks or financial institutions assess a borrower's creditworthiness, repayment ability, and other factors, and then decide whether to grant the borrower a loan or credit line based on the rating results.

[0075] It should be noted that the applicant's information (including but not limited to the applicant's device information, the applicant's personal information, etc.) and data (including but not limited to data used for analysis, data stored, data displayed, etc.) involved in this application are all information and data authorized by the applicant or fully authorized by all parties. Furthermore, the collection, use and processing of the relevant data must comply with relevant laws, regulations and standards, and corresponding operation portals are provided for users to choose to authorize or refuse.

[0076] Figure 1 A schematic diagram of the scenario for the information processing method provided in this application, such as... Figure 1 As shown, the execution entity in this application scenario can be a server. The server can be a mobile phone, computer, tablet, or other device. This embodiment does not impose any particular restrictions on the implementation method of the execution entity, as long as the execution entity can determine the application node and configuration rules of the target loan business based on the identity information and business location information of the first applicant; generate and display the application filling interface based on the application node and its configuration rules; respond to the first applicant's input operation on the application filling interface, obtain the application information of the applicant, including the first applicant's first authentication method information and the second applicant's second authentication method information, where the second applicant and the first applicant are related applicants; send authentication information to the first applicant and the second applicant respectively based on the first and second authentication method information in the application information; receive the authentication result information fed back by the first applicant and the second applicant based on the authentication information; and execute the target loan business based on the authentication result information.

[0077] Based on the above scenarios, it is clear that in existing technologies, data retrieval, business application, manual approval, and credit rating processes are typically implemented using hard-coded backends. This method replaces variable variables in business approval with fixed values. The drawbacks of this approach are twofold: firstly, business personnel cannot verify the correctness of the data retrieval and credit rating processes, nor can they make flexible adjustments based on data integration; secondly, replacing variable variables in business approval with fixed values ​​leads to high coupling, hindering module modification, decomposition, and collaborative development. After system deployment, adjustments cannot be made based on actual implementation conditions, nor can differentiated configurations be achieved according to different business regions. In this model, the relationships between business processes and institutions, personnel, and roles are fixed, and the data retrieval process is also fixed. If process changes occur, the corresponding institutions, personnel, and roles also need to be changed through code development, resulting in a large development workload.

[0078] The information processing method provided in this application can determine the application node and configuration rules of the target loan business through the identity information and business location information of the first applicant. Based on the application node and its configuration rules, an application form is generated and displayed. This enables the configuration of application process order and rule constraints for different regions based on differences in business needs, thereby meeting the requirements of different regions. At the same time, by sending approval information to various approval agencies for distributed parallel processing during the approval process and receiving feedback results in real time, the efficiency of approval is further improved, realizing multi-departmental review integration and improving user satisfaction.

[0079] The technical solution of this application and how the technical solution of this application solves the above-mentioned technical problems are described in detail below with specific embodiments. These specific embodiments can be combined with each other, and the same or similar concepts or processes may not be described again in some embodiments. The embodiments of this application will now be described with reference to the accompanying drawings.

[0080] Figure 2 Flowchart of the information processing method provided in this application Figure 1 ,like Figure 2 As shown, the method includes:

[0081] S201. Based on the identity information and business location information of the first applicant applying for the target loan business, determine the application node of the target loan business and the configuration rules of the application node.

[0082] The first applicant can refer to the natural person applying for the target loan business.

[0083] Identity information may include the first applicant's personal identification information, contact information, financial status, credit history, and other identity documents.

[0084] Business location information may refer to the address information of the first applicant's business or workplace, which may include the company's business location, personal workplace, contact information, and geographical location.

[0085] An application node can refer to the different institutions that conduct approval and review when processing a target loan application. The configuration rules of the application node can refer to the information required by different institutions during the approval and review process. For example, when approving a loan application, the application node can be the approval department within a financial institution, and the configuration rules of this application node can be the rules used to assess the applicant's creditworthiness and repayment ability. The application node for the same loan application can be different for different applicants and business locations, and the configuration rules of the same application node can also be different for different applicants and business locations.

[0086] To facilitate convenient and rapid use, the application nodes and configuration rules for each business can be pre-set in the database for easy retrieval. In this embodiment, nodes can be configured with different rules. For example, after an applicant submits their identity and business location information, nodes can be configured based on the applicant's business license, occupation, income level, loan amount, and unified social credit code. The criteria for classifying an applicant's occupation, income level, and loan amount can include configuring different nodes based on the loan amount: one type of node is configured for loan amounts below a certain value, and another type for amounts above a certain value. If the loan amount is the same, different nodes can be configured based on the applicant's credit history and social security payment status. Nodes can be configured based on the applicant's business location information, allowing for different nodes to be configured for different business locations. This can include configuring different nodes based on the administrative level of the applicant's business location (e.g., provincial capitals and county-level cities), or configuring different nodes based on the economic conditions of the applicant's business location (e.g., one type of node is configured for per capita income below a certain value, and another type for per capita income above a certain value).

[0087] In this embodiment of the application, the method for determining the application node and configuration rules of the application node based on the identity information and business location information of the first applicant applying for the target lending business may further include:

[0088] Obtain the login information of the first applicant;

[0089] Based on the first applicant's login information, obtain the target loan application of the first applicant, the location of the target loan application, and the identity information of the first applicant;

[0090] Based on the target loan application submitted by the first applicant, determine the application milestone for the target loan application;

[0091] Based on the business location information of the target lending business, determine the business configuration rules for the target region from the rule database of the candidate regions;

[0092] Based on the business configuration rules of the target region, the application nodes of the target lending business are configured and the configuration rules of the application nodes are determined.

[0093] The login information refers to the identity verification information that the applicant needs to provide when accessing the application form of the target lending business. The login information may include username, password, security question answers, and verification code. The applicant can submit the login information on the webpage, APP, or mini-program. The target lending business, business location information, and identity information of the applicant are determined based on the applicant's name, ID number, mobile phone number, registered residence location, and company location. The application node of the target lending business is determined based on the target lending business. The business configuration rules of the target region are determined from the rule database of the candidate regions based on the business location information of the target lending business. The application node of the target lending business is configured according to the business configuration rules of the target region.

[0094] S202. Generate and display the application form interface based on the application node and its configuration rules.

[0095] The application form interface refers to the interface used by the applicant to fill in the application information. In this embodiment, the application form interface may include personal information items, contact information, financial status, credit history, and loan amount. The application form interface can be determined according to the application node and the configuration rules of the application node, thereby avoiding the problem in the prior art where the same item can contain multiple entries, which would require further judgment during the approval process.

[0096] S203. In response to the input operation of the first applicant on the application form interface, the application information of the applicant is obtained. The application information includes the first authentication channel information of the first applicant and the second authentication channel information of the second applicant. The second applicant and the first applicant are related applicants.

[0097] The information to be submitted may include information about the applicant's relatives and friends, spouse, financial information, and loan amount.

[0098] A second applicant may refer to an applicant who is related to the first applicant. The type of relationship may include spouse, relative, or partner. The specific type of relationship may be determined according to the configuration rules of the application node.

[0099] The authentication information can refer to the authentication information and contact information of the applicant when applying for the target loan business. The authentication information may include the applicant's fingerprint information, facial recognition, and government data. After the application interface is determined according to the application node and the configuration rules of the application node, the application interface is opened to the applicant. After the applicant accesses the application interface, he / she operates according to the information required by the application interface. After completing the information required by the application interface, the applicant obtains the application information of the applicant.

[0100] S204. Based on the first and second authentication methods information in the application information, send authentication information to the first applicant and the second applicant respectively.

[0101] In this process, after receiving the authentication information, the first applicant and the second applicant verify whether it is the first applicant and the second applicant themselves who are operating the system. For example, after receiving the facial recognition, the first applicant and the second applicant verify the facial features of the applicant respectively.

[0102] In this embodiment of the application, the method of sending authentication information to the first applicant and the second applicant respectively based on the first authentication method information and the second authentication method information in the application information may further include:

[0103] The submitted information is processed for identity verification to obtain the identity verification result;

[0104] If the identity verification result indicates that the verification is successful, the information of the second applicant will be obtained in the target area of ​​the application information;

[0105] If the information of the second applicant exists, then the first authentication method information and the second authentication method information are generated based on the information of the second applicant.

[0106] Authentication information was sent to both the first applicant and the second applicant.

[0107] After obtaining the application information of the first applicant, the application information is processed for identity authentication to confirm whether the application information is the real identity information of the first applicant. The identity information of the first applicant is verified. After the identity authentication result indicates that the authentication is successful, the information of the second applicant associated with the first applicant is obtained. The association between the first applicant and the second applicant may include: spouse, relative, partner. If the information of the second applicant exists, authentication information is sent to the first applicant and the second applicant respectively.

[0108] S205. Receive the certification result information fed back by the first applicant and the second applicant based on the certification information.

[0109] After receiving the authentication information, the first applicant and the second applicant complete the identity authentication through facial recognition and sending a verification code. For example, when the first applicant and the second applicant receive a facial recognition request, the system confirms whether the person is the first applicant and the second applicant based on their facial features and obtains the facial recognition result.

[0110] S206. Based on the authentication result information, execute the target lending business.

[0111] Once the authentication results from the first and second applicants are verified, the identity verification process ends, and the process jumps to the approval process to begin executing the target loan business. For example, if the facial recognition results confirm that the applicant is the first and second applicant, the application node ends, and the process jumps to the approval process.

[0112] In this embodiment of the application, before executing the target lending transaction, the approval order of the target lending transaction can be determined according to the configuration rules of the application node. That is, based on the authentication result information, the method before executing the target lending transaction may further include:

[0113] Based on the application node and its configuration rules, determine the parallel approval agencies and serial approval agencies within the approval body;

[0114] The approval order of the target lending business is determined based on the parallel and sequential approval agencies within the approval body.

[0115] The target lending transaction is executed based on the approval sequence and authentication results.

[0116] The configuration rules for application nodes can also include association information between application nodes. This association information determines the approval relationships between approval agencies. Parallel approval agencies can refer to agencies without an approval relationship (e.g., approval from agency A does not require approval from agency B). Sequential approval agencies can refer to agencies with an approval relationship (e.g., approval from agency A requires approval from agency B). Therefore, by considering the parallel and sequential approval agencies, the approval order of the target loan transaction can be determined, and the target loan transaction can be executed based on the approval order and authentication results. Specifically, when determining the approval order of the target loan transaction, the approval agencies representing each approval level can be determined first based on the sequential approval agencies. Then, based on the number of parallel approval agencies and the number of agencies at each approval level, the parallel approval agencies are allocated to each approval level. Finally, the approval process for the target loan transaction is executed according to each approval level.

[0117] Different approval nodes can be configured based on the applicant's application information. The approval process can be adjusted according to the applicant's business address area, the company's registration period, and the company's credit score. For example, approval rejection can be triggered for applicants with high corporate risk, while post-loan supervision nodes can be configured for applicants with low corporate credit scores.

[0118] The information processing method provided in this application embodiment obtains the identity information and business location information of the first applicant to determine the matching application node and the configuration rules of the application node. Then, based on the application node and the configuration rules of the application node, an application filling interface is obtained. This method obtains the information of the corresponding first applicant and second applicant, authenticates the applicant for the loan business, and processes the business approval based on the authentication results. This achieves the goal of configuring the process according to the differences in business needs between different applicants and different regions, obtaining the applicant information that meets the requirements for authentication, and smoothly and quickly executing the subsequent approval business, thereby improving the efficiency of business processing.

[0119] Figure 3 Flowchart of the information processing method provided in this application Figure 2 ,like Figure 3 As shown, in this embodiment... Figure 2 Based on the embodiments, the process of executing the target lending business according to the authentication result information in the information processing method is described in detail. The method includes:

[0120] S301. Generate a loan application recommendation form based on the authentication results.

[0121] The loan application recommendation form refers to the specific document that an applicant needs to submit to the approval agency after identity verification, requesting a loan. This document may include the first applicant's data, government data, and electronic identification photos. The process of generating the loan application recommendation form based on the verification results involves creating the form after the applicant has passed identity verification, using the first applicant's data, government data, electronic identification photos, and other relevant information.

[0122] In this embodiment of the application, the method for generating a loan application recommendation form based on authentication result information may include:

[0123] Based on the authentication results, obtain the government data of the first applicant;

[0124] Based on the first applicant's government data and the target lending business, a loan application recommendation form is generated.

[0125] This process involves obtaining authentication result information, which may include the first applicant's mobile phone number and personal information. Based on the first applicant's personal information, the process also involves obtaining the first applicant's government data, which may include personal credit, property information, marital status, and company information. Finally, based on the first applicant's government data and the target lending business, a loan application recommendation form is generated.

[0126] S302. Based on the application node of the target lending business, the loan application recommendation form is sent to the first approval agency so that the first approval agency can approve the loan application recommendation form based on the authentication result information, obtain the first approval result, and send the loan application recommendation form to the second approval agency based on the first approval result.

[0127] The first approval agency can refer to the agency that generates a loan application recommendation form based on the first applicant's spouse information, government data, and electronic certificates. After receiving the loan application recommendation form, the first approval agency will review and approve it based on the authentication results. Once the first approval agency has completed its review, it will send the approval results to the second approval agency.

[0128] The second approval agency can refer to the agency that receives the approval result from the first approval agency.

[0129] S303. Based on the node approval information in the first approval result and the second approval result, execute the target loan business, wherein the second approval result is the result of the second approval agency's approval of the loan application recommendation form, and the node approval information is the node approval result of each approval node in the second approval agency.

[0130] The second approval agency reviews the loan application recommendation form after receiving the first approval result from the first approval agency. The second approval agency obtains the second approval result after reviewing the loan application recommendation form. The approval node and the configuration rules of the approval node are determined by the applicant's identity information and business location information. The second approval agency conducts the approval process according to the approval node.

[0131] In this embodiment of the application, the method for executing the target lending business based on the node approval information in the first approval result and the second approval result may include:

[0132] Based on the first approval result, the execution status of the target lending business will be adjusted to the status of approval by the first approval agency;

[0133] Based on the submitted loan data, electronic certificates, loan application recommendation form and authorization letter in the node approval information, the execution status of the target loan business is changed from the first approval agency's approval status to the acceptance status;

[0134] Based on the feedback approval results in the node approval information, the execution status of the target loan business is adjusted from the acceptance status to the approval status;

[0135] Based on the credit information in the node approval information, the execution status of the target loan business is adjusted from the approval status to the credit approval status;

[0136] Based on the loan disbursement information in the node approval information, the execution status of the target loan business is adjusted from the credit approval status to the loan disbursement status;

[0137] Based on the settlement information in the node approval information, the execution status of the target loan business is adjusted from the loan disbursement status to the settlement status.

[0138] The first approval agency reviews the loan application recommendation form based on the certification results, obtaining the first approval result. If the first approval result is "approved," the execution status is adjusted to "approved by the first approval agency." After the execution status is "approved by the first approval agency," based on the submitted loan data, electronic certificates, loan application recommendation form, and authorization letter in the node approval information, the execution status of the target loan business is adjusted from "approved by the first approval agency" to "accepted." After the execution status is "accepted," based on the credit information in the node approval information, the execution status of the target loan business is adjusted from "approved" to "credit granted." Once the execution status is "credit approval approved," the execution status of the target loan business is adjusted from "credit approval approved" to "loan disbursement" based on the loan disbursement information in the node approval information. After the execution status is "loan disbursement," the execution status of the target loan business is adjusted from "loan disbursement" to "settlement" based on the settlement information in the node approval information. After the execution status is "settlement," post-loan supervision of the applicant is carried out, which may include monitoring the applicant's business operation status, employment status, and social security payment status, regularly checking the operator's employment status, business entity registration status, and legal risks, and providing risk warnings to the target loan business management unit.

[0139] This includes monitoring the status of the target lending process, allowing for real-time monitoring and adjustment of node changes during the target lending process, and adjusting the approval process according to actual conditions. For example, when the number of approved orders is at its peak, nodes that increase the order processing capacity can be configured.

[0140] In this embodiment of the application, the information processing method may further include:

[0141] After the execution status of the target lending business is adjusted, the adjusted execution status of the target lending business is displayed, and execution status information is sent to the first applicant and the second applicant respectively according to the first authentication channel information and the second authentication channel information in the declaration information.

[0142] This method involves sending execution status information to the applicant after the execution status of the target loan transaction is adjusted. The applicant can promptly detect changes in the execution status during the approval process. For example, the first approval agency sends the first approval result to the applicant after reviewing the loan application recommendation form. If the first approval result is negative, the applicant can view the reason for the negative result. This method allows the applicant to understand the changes in the execution status during the approval process. The information processing method provided in this application generates a loan application recommendation form based on authentication result information. According to the application node, the loan application recommendation form is sent to the first approval agency. The first approval agency reviews the loan application recommendation form based on the authentication result information to obtain the first approval result. Based on the first approval result, the loan application recommendation form is sent to the second approval agency, which reviews the loan application recommendation form to obtain the second approval result. This method executes the target loan transaction based on the node approval information of the first and second approval results, achieving smooth and rapid execution of the approval process and enabling the applicant to promptly understand the changes in the execution status during the approval process.

[0143] Figure 4 A schematic diagram of the information processing apparatus provided in this application is shown below. Figure 4 As shown, the information processing device 40 provided in this embodiment includes:

[0144] The determination module 401 is used to determine the application node of the target loan business and the configuration rules of the application node based on the identity information and business location information of the first applicant applying for the target loan business.

[0145] The generation module 402 is used to generate and display the application form interface based on the application node and the configuration rules of the application node;

[0146] The response module 403 is used to respond to the input operation of the first applicant on the application filling interface and obtain the application information of the applicant. The application information includes the first authentication channel information of the first applicant and the second authentication channel information of the second applicant. The second applicant and the first applicant are applicants with a relationship.

[0147] The sending module 404 is used to send authentication information to the first applicant and the second applicant respectively based on the first authentication method information and the second authentication method information in the application information;

[0148] The receiving module 405 is used to receive the authentication result information fed back by the first applicant and the second applicant based on the authentication information;

[0149] Execution module 406 is used to execute the target lending business based on the authentication result information.

[0150] In one possible implementation, the determining module 401 may also be specifically used for:

[0151] Obtain the login information of the first applicant;

[0152] Based on the first applicant's login information, obtain the target loan application of the first applicant, the location of the target loan application, and the identity information of the first applicant;

[0153] Based on the target loan application submitted by the first applicant, determine the application milestone for the target loan application;

[0154] Based on the business location information of the target lending business, determine the business configuration rules for the target region from the rule database of the candidate regions;

[0155] Based on the business configuration rules of the target region, the application nodes of the target lending business are configured and the configuration rules of the application nodes are determined.

[0156] In one possible implementation, the generation module 402 can also be specifically used for:

[0157] Based on the authentication results, obtain the government data of the first applicant;

[0158] Based on the first applicant's government data and the target lending business, a loan application recommendation form is generated.

[0159] In one possible implementation, the sending module 404 may also be specifically used for:

[0160] The submitted information is processed for identity verification to obtain the identity verification result;

[0161] If the identity verification result indicates that the verification is successful, the information of the second applicant will be obtained in the target area of ​​the application information;

[0162] If the information of the second applicant exists, then the first authentication method information and the second authentication method information are generated based on the information of the second applicant.

[0163] Authentication information was sent to both the first applicant and the second applicant.

[0164] In one possible implementation, the sending module 404 may also be specifically used for:

[0165] Based on the authentication results, a loan application recommendation form is generated;

[0166] Based on the application node of the target lending business, the loan application recommendation form is sent to the first approval agency, so that the first approval agency can review the loan application recommendation form based on the authentication result information, obtain the first approval result, and send the loan application recommendation form to the second approval agency based on the first approval result;

[0167] Based on the node approval information in the first and second approval results, the target loan business is executed. The second approval result is the result of the second approval agency's approval of the loan application recommendation form, and the node approval information is the node approval result of each approval node in the second approval agency.

[0168] In one possible implementation, the sending module 404 may also be specifically used for:

[0169] After the execution status of the target lending business is adjusted, the adjusted execution status of the target lending business is displayed, and execution status information is sent to the first applicant and the second applicant respectively according to the first authentication channel information and the second authentication channel information in the declaration information.

[0170] In one possible implementation, the execution module 406 may also be specifically used for:

[0171] Based on the first approval result, the execution status of the target lending business will be adjusted to the status of approval by the first approval agency;

[0172] Based on the submitted loan data, electronic certificates, loan application recommendation form and authorization letter in the node approval information, the execution status of the target loan business is changed from the first approval agency's approval status to the acceptance status;

[0173] Based on the feedback approval results in the node approval information, the execution status of the target loan business is adjusted from the acceptance status to the approval status;

[0174] Based on the credit information in the node approval information, the execution status of the target loan business is adjusted from the approval status to the credit approval status;

[0175] Based on the loan disbursement information in the node approval information, the execution status of the target loan business is adjusted from the credit approval status to the loan disbursement status;

[0176] Based on the settlement information in the node approval information, the execution status of the target loan business is adjusted from the loan disbursement status to the settlement status.

[0177] The information processing device provided in this embodiment can execute the method provided in the above method embodiment. Its implementation principle and technical effect are similar, and will not be described in detail here.

[0178] Figure 5A schematic diagram of the information processing apparatus provided in this application. Figure 5 As shown, the electronic device 50 provided in this embodiment includes at least one processor 501 and a memory 502. Optionally, the device 50 further includes a communication component 503. The processor 501, memory 502, and communication component 503 are connected via a bus 504.

[0179] In a specific implementation, at least one processor 501 executes computer execution instructions stored in memory 502, causing at least one processor 501 to perform the above-described method.

[0180] The specific implementation process of processor 501 can be found in the above method embodiments, and its implementation principle and technical effect are similar. It will not be repeated here.

[0181] In the above embodiments, it should be understood that the processor can be a Central Processing Unit (CPU), or other general-purpose processors, digital signal processors (DSPs), application-specific integrated circuits (ASICs), etc. The general-purpose processor can be a microprocessor or any conventional processor. The steps of the method disclosed in this invention can be directly implemented by a hardware processor, or implemented by a combination of hardware and software modules within the processor.

[0182] The memory may include random access memory (RAM) and may also include non-volatile memory (NVM), such as at least one disk storage device.

[0183] The bus can be an Industry Standard Architecture (ISA) bus, a Peripheral Component Interconnect (PCI) bus, or an Extended Industry Standard Architecture (EISA) bus, etc. Buses can be categorized as address buses, data buses, control buses, etc. For ease of illustration, the buses shown in the accompanying drawings are not limited to a single bus or a single type of bus.

[0184] This application also provides a computer program product, including a computer program that, when executed by a processor, implements the above-described method.

[0185] This application also provides a computer-readable storage medium storing computer-executable instructions, which, when executed by a processor, implement the above-described method.

[0186] The aforementioned readable storage medium can be implemented by any type of volatile or non-volatile storage device or a combination thereof, such as static random access memory (SRAM), electrically erasable programmable read-only memory (EEPROM), erasable programmable read-only memory (EPROM), programmable read-only memory (PROM), read-only memory (ROM), magnetic storage, flash memory, magnetic disk, or optical disk. The readable storage medium can be any available medium accessible to a general-purpose or special-purpose computer.

[0187] An exemplary readable storage medium is coupled to a processor, enabling the processor to read information from and write information to the readable storage medium. Of course, the readable storage medium can also be a component of the processor. The processor and the readable storage medium can reside in an Application Specific Integrated Circuit (ASIC). Alternatively, the processor and the readable storage medium can exist as discrete components in the device.

[0188] In addition, the functional units in the various embodiments of the present invention can be integrated into one processing unit, or each unit can exist physically separately, or two or more units can be integrated into one unit.

[0189] If a function is implemented as a software functional unit and sold or used as an independent product, it can be stored in a computer-readable storage medium. Based on this understanding, the technical solution of this invention, or the part that contributes to the prior art, or a part of the technical solution, can be embodied in the form of a software product. This computer software product is stored in a storage medium and includes several instructions to cause a computer device (which may be a personal computer, server, or network device, etc.) to execute all or part of the steps of the methods of the various embodiments of this invention. The aforementioned storage medium includes various media capable of storing program code, such as USB flash drives, portable hard drives, read-only memory (ROM), random access memory (RAM), magnetic disks, or optical disks.

[0190] Those skilled in the art will understand that all or part of the steps of the above-described method embodiments can be implemented by hardware related to program instructions. The aforementioned program can be stored in a computer-readable storage medium. When executed, the program performs the steps of the above-described method embodiments; and the aforementioned storage medium includes various media capable of storing program code, such as ROM, RAM, magnetic disks, or optical disks.

[0191] Finally, it should be noted that other embodiments of the invention will readily occur to those skilled in the art upon consideration of the specification and practice of the invention disclosed herein. This invention is intended to cover any variations, uses, or adaptations of the invention that follow the general principles of the invention and include common knowledge or customary techniques in the art not disclosed herein, and is not limited to the precise structures described above and shown in the accompanying drawings, and various modifications and changes can be made without departing from its scope. The scope of the invention is limited only by the appended claims.

Claims

1. An information processing method, characterized in that, include: Based on the identity information and business location information of the first applicant applying for the target lending business, the application node of the target lending business and the configuration rules of the application node are determined; Based on the application node and its configuration rules, an application form interface is generated and displayed. In response to the first applicant's input operation on the application form interface, the application information of the applicant is obtained. The application information includes the first authentication method information of the first applicant and the second authentication method information of the second applicant. The second applicant and the first applicant are applicants with a related relationship. Based on the first authentication method information and the second authentication method information in the application information, authentication information is sent to the first applicant and the second applicant respectively. Receive authentication result information from the first applicant and the second applicant based on the authentication information; Based on the authentication result information, the target lending transaction is executed.

2. The method according to claim 1, characterized in that, The step of determining the application node for the target loan business and the configuration rules for the application node based on the identity information and business location information of the first applicant includes: Obtain the login information of the first applicant; Based on the login information of the first applicant, obtain the target loan application of the first applicant, the business location information of the target loan application, and the identity information of the first applicant; Based on the target lending business applied for by the first applicant, determine the application node of the target lending business; Based on the business location information of the target lending business, determine the business configuration rules for the target region from the rule database of the candidate regions; Based on the business configuration rules of the target region, the application node of the target lending business is configured to determine the configuration rules of the application node.

3. The method according to claim 1, characterized in that, The step of sending authentication information to the first applicant and the second applicant respectively based on the first authentication method information and the second authentication method information in the application information includes: The declared information is subjected to identity authentication processing to obtain the identity authentication result; If the identity authentication result indicates that the authentication is successful, the information of the second applicant will be obtained from the target area in the declaration information; If the information of the second applicant exists, then the first authentication path information and the second authentication path information are generated based on the information of the second applicant. Authentication information is sent to the first applicant and the second applicant respectively.

4. The method according to claim 1, characterized in that, The step of executing the target lending transaction based on the authentication result information includes: Based on the authentication results, a loan application recommendation form is generated; According to the application node of the target lending business, the lending application recommendation form is sent to the first approval agency, so that the first approval agency can approve the lending application recommendation form according to the authentication result information, obtain the first approval result, and send the lending application recommendation form to the second approval agency according to the first approval result; The target loan business is executed based on the node approval information in the first approval result and the second approval result, wherein the second approval result is the result of the second approval agency's approval of the loan application recommendation form, and the node approval information is the node approval result of each approval node in the second approval agency.

5. The method according to claim 4, characterized in that, The step of generating a loan application recommendation form based on the authentication result information includes: Based on the authentication results, obtain the government data of the first applicant; Based on the first applicant's government data and the target lending business, a loan application recommendation form is generated.

6. The method according to claim 4, characterized in that, The step of executing the target lending transaction based on the node approval information in the first and second approval results includes: Based on the first approval result, the execution status of the target lending business is adjusted to the status of approval by the first approval agency; Based on the submitted loan data, electronic certificates, loan application recommendation form and authorization letter in the node approval information, the execution status of the target loan business is changed from the first approval agency's approval status to the acceptance status; Based on the feedback approval results in the node approval information, the execution status of the target lending business is adjusted from the acceptance status to the approval status; Based on the credit information in the node approval information, the execution status of the target lending business is adjusted from the approval status to the credit approval status; Based on the loan disbursement information in the node approval information, the execution status of the target loan business is adjusted from the credit approval status to the loan disbursement status; Based on the settlement information in the node approval information, the execution status of the target loan business is adjusted from the loan disbursement status to the settlement status.

7. The method according to claim 6, characterized in that, The method further includes: After the execution status of the target lending business is adjusted, the adjusted execution status of the target lending business is displayed, and execution status information is sent to the first applicant and the second applicant respectively according to the first authentication method information and the second authentication method information in the application information.

8. An information processing device, characterized in that, The device includes: The determination module is used to determine the application node of the target lending business and the configuration rules of the application node based on the identity information and business location information of the first applicant applying for the target lending business. The generation module is used to generate and display the application form filling interface based on the application node and the configuration rules of the application node; The response module is used to respond to the input operation of the first applicant on the application filling interface and obtain the application information of the applicant. The application information includes the first authentication channel information of the first applicant and the second authentication channel information of the second applicant. The second applicant and the first applicant are applicants with a relationship. The sending module is used to send authentication information to the first applicant and the second applicant respectively, based on the first authentication method information and the second authentication method information in the application information; The receiving module is used to receive authentication result information fed back by the first applicant and the second applicant based on the authentication information; The execution module is used to execute the target lending business based on the authentication result information.

9. An electronic device, characterized in that, include: A processor, and a memory communicatively connected to the processor; The memory stores computer-executed instructions; The processor executes computer execution instructions stored in the memory to implement the method as described in any one of claims 1 to 7.

10. A computer-readable storage medium, characterized in that, The computer-readable storage medium stores computer-executable instructions, which, when executed by a processor, are used to implement the method as described in any one of claims 1-7.

11. A computer program product comprising a computer program that, when executed by a processor, implements the method of any one of claims 1-7.

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