Automatic loan processing method and device based on industrial financial service platform, equipment and storage medium

Abstract

The invention discloses an automatic loan processing method and device based on an industrial financial service platform, equipment and a storage medium, and relates to the field of financial science and technology. The industrial financial service platform obtains an expenditure presentation process initiated by the third-party platform through the butted application system; reading a rule engine, and checking and verifying the qualification and loan conditions of the polling process; under the condition that the verification is qualified, automatically generating a contract file and performing contract verification; under the condition that the contract verification is passed, the contract file is sent to a lending system for system data calling and maintenance, and is forwarded to a signature system; and after the lending system obtains the signed contract file, lending the target account. According to the scheme, qualification auditing and contract automatic generation are achieved through the rule engine, file circulation is completed through a cross-system isolation transmission mechanism, data safety is ensured while manual intervention is reduced, and the method has the advantages that the service processing efficiency is improved, cross-system automatic connection is achieved, and the manual operation error rate is reduced.

Description

Technical Field

[0001] This application relates to the field of financial technology, and in particular to an automated loan processing method, apparatus, equipment and storage medium based on an industrial financial service platform. Background Technology

[0002] With the rapid development of financial services, industrial finance service platforms are playing an increasingly important role in corporate lending. Existing loan disbursement processes typically require the collaboration of multiple systems, including third-party platforms, industrial finance service platforms, credit systems, and signing systems. Traditional loan disbursement processes have the following shortcomings: 1. Excessive manual intervention: The processes of loan approval verification, loan approval document generation, and cross-system transfer require manual review and operation, resulting in low business processing efficiency.

[0003] 2. Information fragmentation across systems: There is a lack of automated connection between different systems, and business personnel need to manually synchronize information, which can easily lead to data delays or errors.

[0004] 3. Lack of closed-loop processing for risk warnings: In scenarios such as abnormal credit limits, failure to select an institution, or risk control warnings, there is a lack of a unified automated processing mechanism, which can easily lead to business interruption or potential risks.

[0005] 4. Untimely notifications: Account managers often cannot obtain approval pending information or loan disbursement results in real time, which affects customer service experience and business response speed.

[0006] Therefore, how to achieve automatic verification of loan conditions, automatic generation and transmission of cross-system files, closed-loop processing of abnormal pending tasks, and end-to-end message notification while ensuring risk control and compliance has become a key technical issue in the digitalization process of industrial finance. Summary of the Invention

[0007] This application provides an automated loan processing method, apparatus, equipment, and storage medium based on an industrial financial service platform, which has the advantages of improving business processing efficiency, realizing automated cross-system connection, and reducing the error rate of manual operation.

[0008] On the one hand, this application provides an automatic loan disbursement method based on an industrial financial service platform, the method comprising: The industrial financial services platform obtains the billing process initiated by the third-party platform through the application system it connects to; The rules engine is read to review and verify the qualifications and loan conditions of the disbursement process; If the review and verification are successful, the contract document will be automatically generated and the contract will be verified. Once the contract verification is successful, the contract document is sent to the lending system for system data retrieval and maintenance, and then forwarded to the signing system. The industrial financial service platform is located on the account manager's side, the lending system is located on the bank president's review center side, and the signing system is located on the contract signing department side, with information isolation between the various system platforms. Once the lending system obtains the signed contract documents, it disburses the loan to the target account.

[0009] Specifically, the industrial financial service platform uses an automated rule engine to conduct qualification review and loan condition verification, including tax verification, disbursement institution verification, and loan date verification; when all verifications pass, the contract document is automatically generated.

[0010] Specifically, the verification process includes: Verify whether the applicant's qualifications meet the conditions for proactive loan disbursement in the billing documents pushed by the third-party platform; When it is determined that the conditions for automatic loan disbursement are met, the tax bill field in the billing file is checked, and it is determined whether the loan application amount is less than the tax amount. When the loan amount and tax amount meet the set conditions, the submitted image materials and the issuing agency are reviewed and verified. Once the image data and billing agency information have been approved, the corresponding contract documents are generated based on the billing documents. The image material is the material of the loan collateral. The contract document is generated after the loan date is verified and confirmed by the issuing institution. Specifically, when the applicant's qualifications do not meet the conditions for proactive lending, or when there are risk markers on the qualifications, the application is automatically transferred to manual review or submitted to the lending system for review. After the review is completed, the application is transferred to the signature system. When the loan amount is not less than the tax amount, the submitted image materials are incomplete, or the issuing agency is incorrect, the process will automatically switch to manual review and generate the contract document.

[0011] Specifically, the industrial financial service platform also accesses the WeChat platform through the connected application system. When the contract documents are generated and the loan is successfully disbursed, a message notification mechanism is automatically triggered to send approval / notification information to the account manager.

[0012] Specifically, when the rules engine detects abnormal information, it also triggers the generation of a task to be done, which is then sent to the account manager for approval via the WeChat platform. Abnormal information includes data entry errors, abnormal credit limits, failure to select a disbursement institution, or risk flags. When generating a task to be done, the loan amount that can be modified is no more than the total tax amount. Once the approval is granted or the warning is lifted, the automatic loan disbursement approval process will resume.

[0013] Specifically, the issuing institutions are maintained by the credit system at the contract level, and the industrial financial services platform calls the credit system data for verification; After the contract documents are sent to the lending system, the contract lending information and data compliance are verified and stored, and a lending review record is generated. The loan mode enumeration values ​​include automatic loan disbursement and manual loan disbursement. The loan mode is determined based on the option selected.

[0014] On the other hand, this application provides an automated loan processing device based on an industrial financial services platform, the device comprising: The acquisition module is used by the industrial financial service platform to obtain the billing process initiated by the third-party platform through the connected application system; The first verification module is used to read the rule engine and verify the qualifications and loan conditions of the disbursement process. The second verification module is used to automatically generate contract documents and perform contract verification if the audit and verification are passed. The third verification module is used to send the contract document to the lending system for system data retrieval and maintenance when the contract verification is passed, and then forward it to the signing system; the industrial financial service platform is located on the account manager side, the lending system is located on the bank president's review center side, and the signing system is located on the contract signing department side, with information isolation between the various system platforms; The loan disbursement module is used to disburse loans to the target account after the lending system obtains the signed contract documents.

[0015] In another aspect, this application provides a computer device including a processor and a memory, wherein the memory stores at least one instruction, at least one program, code set or instruction set, wherein the at least one instruction, the at least one program, the code set or instruction set is loaded and executed by the processor to implement the automatic loan processing method based on the industrial financial service platform described above.

[0016] In another aspect, this application provides a computer-readable storage medium storing at least one instruction, at least one program, code set, or instruction set, wherein the at least one instruction, the at least one program, the code set, or the instruction set is loaded and executed by a processor to implement the automatic loan processing method based on the industrial financial service platform described above.

[0017] The beneficial effects of the technical solution provided in this application include at least the following: This application automates the loan disbursement process, eliminating efficiency bottlenecks caused by manual operations. Through standardized interface connections between systems, it ensures the accurate transmission of business data in an isolated environment, reducing the error rate of cross-system collaboration. The application of an automated rule engine standardizes qualification review and risk control processes, improving the consistency and compliance of business processing. A real-time message notification mechanism ensures the traceability of business status, effectively improving the customer service experience. Attached Figure Description

[0018] Figure 1 This is a structural diagram of an automated loan disbursement system based on an industrial financial services platform; Figure 2 This is a flowchart of the automatic loan disbursement method based on an industrial financial services platform provided in the embodiments of this application; Figure 3 The algorithm flowchart of the automatic loan disbursement processing method based on the industrial financial service platform is shown; Figure 4 This is a diagram illustrating the WeChat Work message push mechanism; Figure 5 A schematic diagram of the business process for the automated loan disbursement method is shown. Figure 6 The flowchart for exception handling and closed-loop pending task processing is shown. Figure 7 This is a structural block diagram of the automated loan processing device based on an industrial financial services platform provided in the embodiments of this application; Figure 8 A structural block diagram of a computer device provided in an exemplary embodiment of this application is shown. Detailed Implementation

[0019] To make the objectives, technical solutions, and advantages of this application clearer, the embodiments of this application will be described in further detail below with reference to the accompanying drawings.

[0020] In this article, "multiple" refers to two or more. "And / or" describes the relationship between related objects, indicating that three relationships can exist. For example, A and / or B can represent: A alone, A and B simultaneously, or B alone. The character " / " generally indicates that the preceding and following related objects have an "or" relationship.

[0021] In related technologies, with the rapid development of financial services, industrial financial service platforms play a crucial role in corporate lending. Traditional loan disbursement processes rely on the collaboration of multiple systems, but this suffers from problems such as excessive manual intervention, fragmented information across systems, lack of closed-loop risk warning processing, and untimely message notifications. For example, manual review is required during cross-system transfers, leading to low efficiency; the lack of automated connections between different systems easily results in data errors; the lack of a unified handling mechanism in abnormal scenarios can easily cause business interruptions; and account managers struggle to obtain timely approval feedback, impacting the service experience.

[0022] To address these issues, the applicant identified that the bottleneck in traditional processes stemmed from isolated system operations and reliance on manual intervention. Analysis revealed that establishing automated verification mechanisms at each business stage and facilitating cross-system data flow through secure channels could effectively reduce manual intervention. Further consideration led to the discovery that building a rule-engine-driven auditing system, combined with an isolated system architecture, could both ensure data security and improve processing efficiency. This resulted in a technical approach centered on an industrial finance platform, connecting various business nodes through integration with application systems.

[0023] Therefore, this application provides an automated loan processing method based on an industrial financial service platform, which is used in a loan system based on an industrial financial service platform. Figure 1 As shown, this system, centered on an industrial financial service platform, utilizes an automated rule engine and cross-system data interaction mechanism to automate the entire loan disbursement process. The platform connects to third-party platforms, credit systems, WeChat messaging platforms, and signature systems. Based on this system, it can integrate key processes such as tax verification, loan document generation, loan due date confirmation, disbursement institution verification, and WeChat message push notifications. This technical solution not only automatically verifies loan disbursement conditions and automatically generates and submits loan vouchers, but also generates pending tasks for closed-loop processing in case of abnormal credit limits or warnings, and provides real-time message notifications to account managers. This enables intelligent management of the entire loan disbursement lifecycle, improves business processing efficiency, reduces operational risks, and enhances customer service experience.

[0024] Figure 2 This is a flowchart of an automated loan disbursement method based on an industrial financial services platform provided in this application embodiment, including the following steps: S1. The industrial financial service platform obtains the billing process initiated by the third-party platform through the connected application system; Third-party platforms typically refer to loan applicants or credit institutions. For example, an applicant may apply for a loan with collateral, while the credit institution, as a guarantor, is responsible for connecting to the bank's system and initiating the loan application process.

[0025] S2. Read the rules engine to review and verify the qualifications and loan conditions for the disbursement process; The automated rule engine here is an automated decision-making module with preset business logic. Specifically, it can be implemented using the Drools rule engine to execute audit processes such as tax verification and billing agency verification.

[0026] S3. Under the condition that the review and verification are qualified, automatically generate the contract documents and perform contract verification; Contract document generation refers to the process of generating electronic documents by automatically populating data through a template engine. Specifically, it can be implemented using the Apache POI component to replace the manual drafting of contracts.

[0027] S4. If the contract verification is successful, send the contract documents to the lending system for system data retrieval and maintenance, and then forward them to the signing system; System data retrieval and maintenance involves retrieving account information from the credit system and updating loan status, as well as storing data records. This can be achieved through a RESTful API interface to ensure real-time data synchronization.

[0028] Combination Figure 1 It is known that the industrial financial service platform is located on the client manager side (controlled by the client manager's client), the lending system is located on the bank president's review center side (reviewed by the president or specialist's client), and the signing system is located on the contract signing department side (reviewed by the signing department's client). Information is isolated between the various system platforms and is only transmitted across systems through the connected application systems.

[0029] Information isolation mechanisms are crucial for ensuring network isolation and access control between various business systems, especially for isolating signature systems to avoid financial risks. Specifically, this can be achieved using a VPC (Virtual Private Cloud) architecture to ensure the security of financial data.

[0030] S5. Once the lending system obtains the signed contract documents, it disburses the loan to the target account.

[0031] Specifically, when a third-party platform initiates a disbursement request, the industrial financial services platform obtains business data through a standardized interface. The rules engine automatically verifies core elements such as the applicant's business qualifications and tax payment status, for example, checking whether the loan amount is lower than the tax threshold. After verification, the system calls the contract template library to generate a standard-format electronic contract and performs a format compliance check. The contract file is transmitted via an encrypted channel to the lending system for account verification and to the signing system for electronic signature. Only necessary business data is transmitted between the systems; the original data is stored in their respective independent databases. Finally, after confirming the validity of the signature, the lending system triggers the bank settlement system to execute the loan disbursement operation.

[0032] Compared to traditional technologies, which require manual login to multiple systems to perform operations such as review, table creation, and data transfer, this solution uses an automated rule engine to achieve end-to-end verification. For example, it reduces the manual review process from 2 hours to within 5 minutes. Existing technologies rely on manual export and import for cross-system file transfer; this solution uses interface integration to automate data flow, avoiding formatting errors or data omissions caused by manual operations. Furthermore, conventional technologies require cross-departmental coordination to handle anomalies; this solution uses a task-based mechanism to automatically intercept and close the loop on anomaly handling.

[0033] In summary, this solution, based on an automated rules engine and cross-system data interaction mechanism, achieves fully automated processing of the loan disbursement process. The platform integrates with third-party platforms, credit systems, WeChat messaging platforms, and signature systems, and currently integrates key processes such as tax verification, loan document generation, promissory note due date confirmation, disbursement institution verification, and WeChat message push notifications. This technical solution not only automatically verifies loan disbursement conditions and automatically generates and submits loan disbursement vouchers, but also generates pending tasks for closed-loop processing in case of abnormal credit limits or warnings, and provides real-time message notifications to account managers. This enables intelligent management of the entire loan disbursement lifecycle, improves business processing efficiency, reduces operational risks, and enhances customer service experience.

[0034] In one possible implementation, the industrial financial services platform can perform qualification review and loan condition verification based on an automated rules engine, including tax verification, disbursement institution verification, and loan date verification; when all verifications pass, contract documents are automatically generated.

[0035] An automated rule engine can employ a framework for executing pre-defined logical conditions and business rules, such as using decision tree or state machine-based algorithm models, to standardize the process of qualification review and loan disbursement condition verification.

[0036] Tax verification compares the tax amount with the loan application amount, typically using a database query interface to retrieve third-party tax data. This verifies whether the loan amount falls within the acceptable credit limit. Issuing institution verification checks the eligibility of the institution to which the applicant belongs, using a whitelist matching mechanism or digital certificate verification to ensure compliance with business requirements. Loan receipt date verification checks the logical relationship between the loan receipt's due date and the current system date, typically using timestamp comparison or date range calculation algorithms to prevent contract performance period conflicts.

[0037] For example, after receiving the disbursement request, the automated rules engine first calls the tax verification module to obtain the applicant's tax records from the third-party tax platform and determine whether the loan amount is less than the tax amount. If the condition is met, the disbursement institution verification module is triggered to verify whether the applicant institution is on the valid whitelist through the credit system's institution database. Subsequently, the loan agreement date verification module is executed to logically compare the loan agreement due date pushed by the third-party platform with the current system date to confirm that the loan agreement date has not exceeded the preset validity period. When all three verifications pass, the rules engine automatically triggers the contract generation module to call the preset template to generate a contract document containing a loan voucher, a withdrawal application, and a payment authorization.

[0038] Figure 3 The flowchart of the automatic loan disbursement method based on the industrial financial services platform is shown. When the third-party platform initiates the process, the verification process includes: A. Verify whether the applicant's qualifications meet the conditions for proactive loan disbursement in the billing documents pushed by the third-party platform; B. When it is determined that the conditions for automatic loan disbursement are met, check the tax bill field in the accounting file and whether the loan application amount is less than the tax amount. C. When the loan amount and tax amount meet the set conditions, the pushed image materials and the issuing agency are reviewed and verified. D. Once the image data and billing agency information have been approved, generate the corresponding contract documents based on the billing documents.

[0039] For loans that meet the requirements, the system automatically generates contract documents in the form of "Loan Certificate", "Withdrawal Application Form" and "Payment Authorization Form" and submits them to the credit system without manual intervention.

[0040] It should be noted that the video materials here are typically video footage of the loan collateral (such as houses or steel). The loan due date is based on data pushed by the third-party platform. Once the loan date is verified and confirmed by the issuing institution, the contract document can be generated. The issuing institution can be maintained by the credit system at the contract level, and the industrial financial service platform uses the credit system data for verification.

[0041] Specifically, when a third-party platform initiates a disbursement process, it first verifies the applicant's eligibility for automatic loan disbursement through a rules engine. For example, if the applicant company's credit score in the lending system is below a threshold, the automatic process is terminated. For qualified entities, the system further analyzes the tax field of the disbursement documents, such as comparing whether the requested loan amount is less than or equal to 80% of the total tax. When the amount meets a preset ratio, the system automatically retrieves collateral image data, such as requiring a stamped scanned copy of the equipment list, and uses image recognition technology to check the completeness of the documents. Simultaneously, it verifies whether the disbursement institution's code matches the information registered in the lending system, such as checking the institution's name and unified social credit code. After all verifications pass, the system automatically generates a standardized contract based on the loan agreement date in the disbursement documents, such as extracting the repayment deadline pushed by the third-party platform and filling it into the due date field of the "Loan Certificate," ensuring that the contract terms are fully synchronized with the external data source.

[0042] Through the aforementioned technical solutions, this application effectively prevents the risk of over-lending due to human error, ensuring that the loan amount is strictly controlled within the enterprise's tax payment capacity. Automated verification of key content in image materials avoids legal disputes arising from missing important clauses in collateral documentation. Real-time connection to the institution whitelist database eliminates the lag of manual searches, ensuring the compliance of fund transfer institutions. The standardized contract generation mechanism automatically synchronizes key fields such as loan agreement dates with third-party platform data, resolving the inconsistency between contract terms and business data in traditional methods.

[0043] based on Figure 3 The content indicates that when an applicant's qualifications do not meet the conditions for proactive lending, or when their qualifications are flagged as risky, the application is automatically transferred to manual review or submitted to the lending system for review. After review, it is transferred to the signature system. The industrial financial service platform does not need to transmit the signature operator's information to the credit system, thus achieving business isolation and information protection. When the loan amount is not less than the tax amount, the submitted image materials are incomplete, or the issuing institution is incorrect, the application is automatically transferred to manual review and a contract document is generated.

[0044] The qualification risk marker refers to a warning label generated by a rules engine after conducting a risk assessment of the applicant's historical business data, credit records, and legal litigation information. This can be implemented directly by accessing credit data (or by using a data interface to access a third-party credit reporting system) and is used to identify potentially risky entities in automated processes. In practice, it typically checks for the presence of a "purple warning." If one exists, a pending task is generated, requiring the account manager to remove the warning before continuing (either manually or through automated processing). For cases where image materials are missing page numbers or have blurred seals, the system also triggers manual review.

[0045] An incorrect disbursement institution means that the lending institution filled in the application materials does not match the (default) list of approved institutions registered in the credit system. This can be achieved by comparing institution codes to prevent unauthorized institutions from participating in the lending process. This information isolation mechanism involves transmitting only necessary business fields through data interfaces between application systems. This can be implemented using field whitelist filtering technology to prevent sensitive information such as the personnel responsible for signing and sealing from being leaked across systems.

[0046] In some embodiments, the industrial financial services platform also accesses the WeChat platform through the connected application system, and automatically triggers a message notification mechanism to send approval / notification information to the account manager when contract documents are generated and loan disbursement is successful.

[0047] Figure 4 This is a diagram illustrating the WeChat message push mechanism for businesses. The diagram shows the message notification content and interaction methods received by account managers at different stages, including reminders for pending approval and notifications of loan disbursement completion.

[0048] For example, when the automatic loan disbursement process enters the customer manager's approval stage, the system notifies the customer manager via WeChat: "Your customer ** has a loan disbursement application pending approval. Please be aware." And once the loan is successfully disbursed (automatically or manually), the system will push a message via WeChat: "Your customer [Customer Name] (IOU No. [IOU No.]), the application for [Loan Amount] Yuan has completed the entire loan disbursement process and the funds have been received. Please be aware." To improve the system, when the rule engine detects abnormal information, it also triggers the generation of a task to be done and sends it to the account manager for approval through the WeChat platform. Abnormal information includes input errors, abnormal credit limits, failure to select the issuing institution, or risk marking. When generating a task to be done, the loan amount that can be modified is no more than the total tax amount. After approval or the warning is lifted, the automatic loan approval process continues.

[0049] Generating tasks refers to converting detected anomalies into pending work orders, which can be implemented using a workflow engine's task distribution mechanism to trigger manual intervention in the process. Sending approval information via WeChat Work refers to pushing messages through enterprise-level communication tools to enable account managers to receive and respond to tasks. Setting a threshold for adjusting loan amounts not exceeding the total tax amount refers to setting an adjustment threshold, which can be implemented by dynamically calculating the tax base and generating an editable range to control business risks during manual intervention.

[0050] Figure 5The diagram illustrates the business process of the automatic loan disbursement method. It shows the complete process of automatic verification of loan conditions, automatic generation of contract documents, isolation of signatures and seals, confirmation of loan due date, confirmation of disbursement institution, generation of abnormal pending tasks, and notification of enterprise WeChat messages. Figure 6 The flowchart shows the process of handling exceptions and closed-loop pending tasks. The flowchart focuses on the process of pending tasks being triggered by situations such as abnormal credit limits, failure to select a billing institution, and purple alerts. The closed loop of the process is completed after the account manager approves the task and the alert is lifted, and then the automatic process is restored.

[0051] In some embodiments, after the contract documents are sent to the lending system, the contract lending information and data compliance are verified and stored, and a lending review record is generated. Here, a "Lending Mode" field is added to the Business Management - Disbursement page, with enumerated values ​​of "Automatic Lending" and "Manual Lending" modes, enhancing the system's flexibility and scalability to implement different lending strategies.

[0052] In summary, the beneficial effects of this solution can be summarized as follows: The automated loan processing method based on the industrial financial service platform achieves cross-system automated processing through a rules engine, solving the problems of excessive manual intervention, information fragmentation, and lack of closed-loop risk warning in traditional methods.

[0053] The automatic verification mechanism for loan conditions includes comparison of amount and tax, verification of document fields, and early warning verification to ensure compliance and accuracy.

[0054] The process of automatically generating loan documents and submitting them to the credit system requires no manual intervention, significantly improving loan disbursement efficiency.

[0055] An abnormal closed-loop handling mechanism automatically generates pending tasks and limits the loan amount in cases of abnormal credit limits, failure to select a disbursement institution, or failure to issue a warning, ensuring business continuity and controllable risks.

[0056] Signature segregation mechanism: During the submission of loan documents, the information of the signatory is not transmitted, thereby achieving business segregation and information protection.

[0057] Loan disbursement mode field design: Supports both "automatic loan disbursement" and "manual loan disbursement" modes, enhancing the system's flexibility and scalability.

[0058] Enterprise WeChat push notification mechanism: Real-time notifications to account managers at the pending approval and loan disbursement stages, improving customer service experience and response speed.

[0059] Figure 7 This is a structural block diagram of an automated loan processing device based on an industrial financial services platform provided in this application embodiment. The device includes: The acquisition module 710 is used by the industrial financial service platform to obtain the billing process initiated by the third-party platform through the connected application system; The first verification module 720 is used to read the rule engine and verify the qualifications and loan conditions of the disbursement process. The second verification module 730 is used to automatically generate contract documents and perform contract verification if the audit and verification are qualified. The third verification module 740 is used to send the contract document to the lending system for system data retrieval and maintenance when the contract verification is passed, and forward it to the signing system; the industrial financial service platform is located on the customer manager side, the lending system is located on the bank president's review center side, and the signing system is located on the contract signing department side, with information isolation between the various system platforms; The loan disbursement module 750 is used to disburse loans to the target account after the loan disbursement system obtains the signed contract documents.

[0060] It should be noted that the automated loan processing device based on the industrial financial service platform provided in this embodiment is only an example of the above-described division of functional modules / units. In practical applications, the above functions can be assigned to different functional modules / units as needed, that is, the internal structure of the automated loan processing device based on the industrial financial service platform can be divided into different functional modules / units to complete all or part of the functions described above. Furthermore, the implementation method of the automated loan processing method based on the industrial financial service platform provided in the above method embodiments and the implementation method of the automated loan processing device based on the industrial financial service platform provided in this embodiment belong to the same concept. For details of the specific implementation process of the automated loan processing device based on the industrial financial service platform provided in this embodiment, please refer to the above method embodiments, which will not be repeated here.

[0061] Figure 8This illustration shows a structural block diagram of a computer device provided in an exemplary embodiment of this application. The computer device can be a desktop computer, a laptop computer, a handheld computer, or a cloud server, etc. The computer device may include, but is not limited to, a processor and memory. The processor and memory can be connected via a bus or other means. The processor can be a Central Processing Unit (CPU). The processor can also be other general-purpose processors, digital signal processors (DSPs), application-specific integrated circuits (ASICs), field-programmable gate arrays (FPGAs) or other programmable logic devices, graphics processing units (GPUs), embedded neural network processing units (NPUs) or other dedicated deep learning coprocessors, discrete gate or transistor logic devices, discrete hardware components, or combinations of the above types of chips.

[0062] The processor may include one or more processing cores, such as a quad-core processor or an octa-core processor. The processor may be implemented using at least one hardware form of DSP (Digital Signal Processing), FPGA (Field-Programmable Gate Array), or PLA (Programmable Logic Array). The processor may also include a main processor and coprocessors. The main processor, also known as the CPU (Central Processing Unit), is used to process data in the wake-up state; the coprocessor is a low-power processor used to process data in the standby state. In some embodiments, the processor may integrate a GPU (Graphics Processing Unit), which is responsible for rendering and drawing the content required to be displayed on the screen. In some embodiments, the processor may also include an AI (Artificial Intelligence) processor, which is used to handle computational operations related to machine learning.

[0063] Memory, as a non-transitory computer-readable storage medium, can be used to store non-transitory software programs, non-transitory computer-executable programs, and modules, such as the program instructions / modules corresponding to the methods in the above embodiments of this application. The processor executes various functional applications and data processing by running the non-transitory software programs, instructions, and modules stored in the memory, thereby implementing the methods in the above embodiments. The memory may include a program storage area and a data storage area, wherein the program storage area may store the operating system and at least one application program required for a function; the data storage area may store data created by the processor, etc. Furthermore, the memory may include high-speed random access memory and may also include non-transitory memory, such as at least one disk storage device, flash memory device, or other non-transitory solid-state storage device. In some embodiments, the memory may optionally include memory remotely located relative to the processor, and these remote memories can be connected to the processor via a network. Examples of such networks include, but are not limited to, the Internet, corporate intranets, local area networks, mobile communication networks, and combinations thereof.

[0064] In some embodiments, the computer device may also optionally include: a peripheral device interface and at least one peripheral device. The processor, memory, and peripheral device interface can be connected via a bus or signal lines. Each peripheral device can be connected to the peripheral device interface via a bus, signal lines, or a circuit board. Specifically, the peripheral device includes at least one of: a radio frequency circuit, a display screen, and a keyboard.

[0065] Peripheral device interfaces can be used to connect at least one I / O (Input / Output) related peripheral device to the processor and memory. In some embodiments, the processor, memory, and peripheral device interface are integrated on the same chip or circuit board; in some other embodiments, any one or two of the processor, memory, and peripheral device interface can be implemented on separate chips or circuit boards, which is not limited in this embodiment.

[0066] The display screen is used to display the UI (User Interface). This UI can include graphics, text, icons, videos, and any combination thereof. When the display screen is a touch screen, it also has the ability to collect touch signals on or above the surface of the display. These touch signals can be input as control signals to a processor for processing. In this case, the display screen can also be used to provide virtual buttons and / or a virtual keyboard, also known as soft buttons and / or a soft keyboard. In some embodiments, there may be one display screen, located on the front panel of the computer device; in other embodiments, there may be at least two display screens, respectively located on different surfaces of the computer device or in a folded design; in still other embodiments, the display screen may be a flexible display screen, located on a curved or folded surface of the computer device. Furthermore, the display screen can be configured as a non-rectangular, irregular shape, i.e., a non-rectangular screen. The display screen can be made of materials such as LCD (Liquid Crystal Display) and OLED (Organic Light-Emitting Diode).

[0067] A power supply is used to power the various components in a computer device. The power supply can be alternating current (AC), direct current (DC), a disposable battery, or a rechargeable battery. When the power supply includes a rechargeable battery, the rechargeable battery can be a wired rechargeable battery or a wireless rechargeable battery. A wired rechargeable battery is charged via a wired connection, while a wireless rechargeable battery is charged via a wireless coil. The rechargeable battery can also be used to support fast charging technology.

[0068] Those skilled in the art will understand that the structure shown in this embodiment does not constitute a limitation on the computer device, and may include more or fewer components than shown, or combine certain components, or use different component arrangements.

[0069] This application also discloses a computer-readable storage medium. Specifically, the computer-readable storage medium is used to store a computer program, which, when executed by a processor, implements the methods described in the above-described method embodiments. Those skilled in the art will understand that implementing all or part of the processes in the methods described in the above-described embodiments of this application can be accomplished by a computer program instructing related hardware. The program can be stored in a computer-readable storage medium, and when executed, it can include the processes of the embodiments described above. The storage medium can be a magnetic disk, optical disk, read-only memory (ROM), random access memory (RAM), flash memory, hard disk drive (HDD), or solid-state drive (SSD), etc.; the storage medium can also include combinations of the above types of memory.

[0070] This specific embodiment is merely an explanation of the present invention and is not intended to limit the invention. After reading this specification, those skilled in the art can make modifications to this embodiment without contributing any inventive step, but such modifications are protected by patent law as long as they are within the scope of the claims of the present invention.

Claims

1. An automated loan disbursement method based on an industrial financial services platform, characterized in that, The method includes: The industrial financial services platform obtains the billing process initiated by the third-party platform through the application system it connects to; The rules engine is read to review and verify the qualifications and loan conditions of the disbursement process; If the review and verification are successful, the contract document will be automatically generated and the contract will be verified. Once the contract verification is successful, the contract document is sent to the lending system for system data retrieval and maintenance, and then forwarded to the signing system. The industrial financial service platform is located on the account manager's side, the lending system is located on the bank president's review center side, and the signing system is located on the contract signing department side, with information isolation between the various system platforms. Once the lending system obtains the signed contract documents, it disburses the loan to the target account.

2. The method according to claim 1, characterized in that, The industrial financial service platform uses an automated rule engine to conduct qualification and loan condition verification, including tax verification, disbursement institution verification, and loan date verification; when all verifications pass, the contract document is automatically generated.

3. The method according to claim 2, characterized in that, The verification process includes: Verify whether the applicant's qualifications meet the conditions for proactive loan disbursement in the billing documents pushed by the third-party platform; When it is determined that the conditions for automatic loan disbursement are met, the tax bill field in the billing file is checked, and it is determined whether the loan application amount is less than the tax amount. When the loan amount and tax amount meet the set conditions, the submitted image materials and the issuing agency are reviewed and verified. Once the image data and billing agency information have been approved, the corresponding contract documents are generated based on the billing documents. The image material is the material of the loan collateral. The contract document is generated after the loan date is verified and confirmed by the issuing institution.

4. The method according to claim 3, characterized in that, When the applicant's qualifications do not meet the conditions for proactive lending, or when the qualifications have risk markers, the application will be automatically transferred to manual review or submitted to the lending system for review. After the review is completed, the application will be transferred to the signature system. When the loan amount is not less than the tax amount, the submitted image materials are incomplete, or the issuing agency is incorrect, the process will automatically switch to manual review and generate the contract document.

5. The method according to claim 1, characterized in that, The industrial financial services platform also accesses the WeChat platform through the connected application system. When the contract documents are generated and the loan is successfully disbursed, the platform automatically triggers a message notification mechanism to send approval / notification information to the account manager.

6. The method according to claim 5, characterized in that, When the rule engine detects abnormal information, it also triggers the generation of a task to be done and sends it to the account manager for approval through the WeChat platform. Abnormal information includes input errors, abnormal credit limits, failure to select the issuing institution, or risk marking. When generating a task to be done, the loan amount that can be modified is no more than the total tax amount. Once the approval is granted or the warning is lifted, the automatic loan disbursement approval process will resume.

7. The method according to claim 1, characterized in that, The issuing institution is maintained by the credit system at the contract level, and the industrial financial service platform calls the credit system data for verification; After the contract documents are sent to the lending system, the contract lending information and data compliance are verified and stored, and a lending review record is generated. The loan mode enumeration values ​​include automatic loan disbursement and manual loan disbursement. The loan mode is determined based on the option selected.

8. An automated loan processing device based on an industrial financial service platform, characterized in that, The device includes: The acquisition module is used by the industrial financial service platform to obtain the billing process initiated by the third-party platform through the connected application system; The first verification module is used to read the rule engine and verify the qualifications and loan conditions of the disbursement process. The second verification module is used to automatically generate contract documents and perform contract verification if the audit and verification are passed. The third verification module is used to send the contract document to the lending system for system data retrieval and maintenance when the contract verification is passed, and then forward it to the signing system; the industrial financial service platform is located on the account manager side, the lending system is located on the bank president's review center side, and the signing system is located on the contract signing department side, with information isolation between the various system platforms; The loan disbursement module is used to disburse loans to the target account after the lending system obtains the signed contract documents.

9. A computer device, characterized in that, The computer device includes a processor and a memory, wherein the memory stores at least one instruction, at least one program, a code set, or an instruction set, and the at least one instruction, the at least one program, the code set, or the instruction set is loaded and executed by the processor to implement the automatic loan processing method based on the industrial financial service platform as described in any one of claims 1 to 7.

10. A computer-readable storage medium, characterized in that, The readable storage medium stores at least one instruction, at least one program, code set, or instruction set, wherein the at least one instruction, the at least one program, the code set, or instruction set is loaded and executed by a processor to implement the automated loan processing based on the industrial financial services platform as described in any one of claims 1 to 7.

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