Summary of the invention
In order to achieve the above objectives, a kind of method that first aspect present invention proposes Dynamic Matching loaning bill platform fund, includingFollowing steps:
Server receives the loan application that first terminal is sent；
The server is according to the loan application calling and obtaining user data information and generates loaning bill work order；
The server sends subscriber information message to second terminal, so that the second terminal is provided according to the userMaterial information is audited and generates auditing result；
The server updates the funds source of the loaning bill work order according to the auditing result.
Preferably, the method further includes:
When audit passes through, the funds source of loaning bill work order described in the server update is the second terminal；
Obstructed out-of-date when auditing, the funds source of loaning bill work order described in the server update is P2P fund.
Preferably, the second terminal includes the multiple mechanism ends being according to priority ranked up, and the server is according to instituteIt states priority and successively sends the subscriber information message to multiple mechanism ends until a mechanism end in multiple mechanism ends is auditedPass through；
Wherein, when the mechanism end audit in multiple mechanism ends passes through, work order of borrowing money described in the server updateFunds source mechanism end thus, when multiple mechanism ends audit obstructed out-of-date, loaning bill work order described in the server updateFunds source is P2P fund.
Preferably, the subscriber information message includes user identity card information, user job information, user identity license pieceAnd living body photographic intelligence, user's bank card information, credit rating information, loaning bill amount information, deadline information and facility informationOne of or it is a variety of.
A kind of method that second aspect of the present invention proposes Dynamic Matching loaning bill platform fund, comprising the following steps:
First terminal sends loan application to server, and the server is believed according to the loan application calling and obtaining user dataLoaning bill work order is ceased and generates, so that second terminal is audited according to the subscriber information message and generates auditing result；
The server updates the funds source of the loaning bill work order according to the auditing result.
A kind of method that third aspect present invention proposes Dynamic Matching loaning bill platform fund, comprising the following steps:
Auditing result is audited according to the subscriber information message that server is sent and generated to second terminal, so that describedServer updates the funds source of loaning bill work order according to the auditing result；
Wherein, the server according to the loan application calling and obtaining user data information of first terminal and generates loaning bill work order.
Fourth aspect present invention proposes a kind of Dynamic Matching loaning bill platform funds systems, comprising:
First terminal, for sending loan application；
Server based on the loan application calling and obtaining user data information and generates loaning bill work order；
Second terminal is audited based on the subscriber information message that the server is transferred and generates auditing result；
Wherein, the server based on the auditing result that the second terminal generates update the fund of the loaning bill work order comeSource.
Preferably, a kind of Dynamic Matching loaning bill platform funds systems characterized by comprising
First terminal, for sending loan application；
Server based on the loan application calling and obtaining user data information and generates loaning bill work order；
Second terminal is audited based on the subscriber information message that the server is transferred and generates auditing result；
Wherein, the server based on the auditing result that the second terminal generates update the fund of the loaning bill work order comeSource.
Fifth aspect present invention proposes a kind of computer equipment, including memory, processor and storage are on a memory simultaneouslyThe computer program that can be run on a processor, the processor realize above-mentioned method when executing described program.
Sixth aspect present invention proposes a kind of computer readable storage medium, stores in the computer readable storage mediumThere is instruction, when the computer readable storage medium is run on computers, so that the computer executes above-mentioned method.
Beneficial effects of the present invention are as follows:
The loan application that the present invention can propose for borrower carries out Auto-matching funds source, accelerates and puts for borrowerSpeed is borrowed, reduces borrower's waiting time, reduces fund cost, so that borrower is always matched to suitable fund and comesSource improves the satisfaction of borrower, for lender, lender can be audited by the information to borrower comeJudge whether to be able to carry out operation of making loans, so that asset utilization ratio is high, reduce bad debt risk, effectively reduces the letter of borrowerBorrow risk.
Specific embodiment
In order to illustrate more clearly of the present invention, the present invention is done further below with reference to preferred embodiments and drawingsIt is bright.Similar component is indicated in attached drawing with identical appended drawing reference.It will be appreciated by those skilled in the art that institute is specific belowThe content of description is illustrative and be not restrictive, and should not be limited the scope of the invention with this.
Fig. 1 is a kind of method for Dynamic Matching loaning bill platform fund that one embodiment of the present of invention proposes, such as Fig. 1 instituteShow, the described method comprises the following steps:
S110, server receive the loan application that first terminal is sent；
S120, the server according to the loan application calling and obtaining user data information and generate loaning bill work order；
S130, the server send subscriber information message to second terminal, so that the second terminal is according toSubscriber information message is audited and generates auditing result；
S140, the server update the funds source of the loaning bill work order according to the auditing result.
It is to be understood that first terminal can be borrower end, second terminal can be lender end, making loans herePeople end can be bank, financial institution or other trade companies or individual with the qualification that can make loans, in the present embodiment, first terminalLoan application can be sent to server, borrowing balance, funds source, address name, user can be embodied in loaning bill work orderUnit and other information, server can transfer the use being mutually matched with first terminal after receiving the loan application of first terminalFamily data information simultaneously generates loaning bill work order, and subscriber information message may include user identity card information, user job information, userIdentity card picture and living body photographic intelligence, user's bank card information, credit rating information, loaning bill amount information, deadline information withAnd the subscriber information message transferred can be sent to second terminal by one of facility information etc. or a variety of, server, second eventuallyTermination will do it audit after receiving subscriber information message, and the process of audit rating information can judge whether according to the user's creditFor the borrower of credit difference, further judge whether to be able to carry out to make loans, second terminal has been audited to subscriber information messageCheng Houhui generates auditing result, and server can update the funds source of loaning bill work order according to the auditing result of second terminal,Second terminal can be made to pass through server in this way to audit to first terminal subscriber data, judging whether can be for first eventuallyEnd is made loans, and is realized the purpose of Auto-matching funds source, is effectively reduced the credit risk of financial institution, and acceleratesLending speed.
In an optional embodiment of the present embodiment, the method further includes:
When audit passes through, the funds source of loaning bill work order described in the server update is the second terminal；
Obstructed out-of-date when auditing, the funds source of loaning bill work order described in the server update is P2P.
Specifically, working as subscriber information message when the subscriber information message that second terminal sends server is auditedWhen meeting standard required by second terminal, then judge that audit passes through, second terminal can will include audit examining by informationCore result is sent to server, and server receives and the funds source for work order of borrowing money is updated to second eventually after the auditing resultEnd, such second terminal can carry out operation of making loans for first terminal；And when subscriber information message does not meet second terminal instituteWhen required standard, then judge that audit does not pass through, second terminal will include that audit does not send clothes by the auditing result of informationThe funds source for work order of borrowing money can be updated to P2P after receiving the auditing result, increase lending speed by business device, server,Asset utilization ratio is improved, and when subscriber information message audit is obstructed out-of-date, first terminal can also borrow money to P2P,So that borrower is always matched to suitable funds source, user satisfaction is improved.
In an optional embodiment of the present embodiment, the second terminal include according to priority be ranked up it is moreA mechanism end, the server successively send the subscriber information message to multiple mechanism ends until multiple according to the priorityMechanism end audit in mechanism end passes through；
Wherein, when the mechanism end audit in multiple mechanism ends passes through, work order of borrowing money described in the server updateFunds source mechanism end thus, when multiple mechanism ends audit obstructed out-of-date, loaning bill work order described in the server updateFunds source is P2P fund.
Specifically, mechanism end can be with bank, financial institution or other quotient with the qualification that can make loans with described above similarFamily or individual, and multiple mechanism ends can be subjected to priority ranking in advance, order standard can be carried out voluntarily as neededSetting, illustratively, can be ranked up, by assets total amount or social status according to the assets total amount or social status of mechanism endHigher progress preamble arrangement, server can believe subscriber data according to priority in the loan application for receiving first terminalBreath is sent to mechanism end, for example, having multiple mechanism end A-N, mechanism end A to rank the first, server can be excellent by subscriber information messageSending mechanism end A is published, mechanism end A can audit subscriber information message, and auditing result is sent to server, untilMechanism end audit in multiple mechanism end A-N passes through, and server can just stop sending subscriber information message and the work that will borrow moneySingle funds source updates mechanism end thus, if subscriber information message passes through without audit in mechanism end A-N, servicesThe funds source that device will be updated the loaning bill work order is P2P fund, and multiple financial institutions and first terminal can in this way carried outMatching successively, it is not only resourceful, the waiting time is saved, and can be improved social financial development, increases speed of making loansDegree, and the fund interest of mechanism end reduces fund cost, asset utilization ratio is high, borrower well below P2P fund interestIt always is matched to suitable funds source, reduces bad debt risk, mechanism end can share the overdue risk of user, improve userSatisfaction.
The present embodiment is described further below with reference to practical application scene, when borrower needs to borrow money, is borrowed moneyPeople can input the information such as borrowing balance, the life of loan, use of the loan, borrower's name, first terminal meeting by first terminalIt generates the loan application of borrower and loan application is sent to server, server receives after loan application can be according to borrowingInformation in money application transfers the pre-stored subscriber information message to match with user information and generates loaning bill work order, servicesThe highest mechanism end of device meeting Query priority simultaneously sends subscriber information message, and lender can be to reception as mechanism endTo subscriber information message audited automatically, and auditing result is sent to server, if audit is not over serverThe mechanism end of next highest priority can be inquired, and subscriber information message is sent to the mechanism of next highest priorityEnd, when wherein there is the audit of a mechanism end to pass through, mechanism end can will include that audit is sent to by the auditing result of informationServer, server can stop sending subscriber information message and the funds source for work order of borrowing money are updated to the mechanism end, ifAll not over the audit to user information data, the funds source for work order of borrowing money can be then updated to all mechanism ends by serverP2P fund, after server updates the funds source of loaning bill work order, server is notified that funds source mechanism is putMoney, borrower just can complete the operation borrowed money.
A kind of method for proposing Dynamic Matching loaning bill platform fund in another embodiment of the present invention, including following stepIt is rapid:
S210, first terminal send loan application to server, and the server is according to the loan application calling and obtaining userData information simultaneously generates loaning bill work order, so that second terminal is audited according to the subscriber information message and generates audit knotFruit；
S220, the server update the funds source of the loaning bill work order according to the auditing result.
It is to be understood that with described above similar, first terminal can be borrower end herein, and second terminal can be withFor lender end, borrower end here can for bank, financial institution or other there is trade companies or the individual for the qualification that can make loans,In the present embodiment, loan application can be sent to server by first terminal, and borrowing balance, money can be embodied in loaning bill work orderGolden source, address name, Subscriber Unit and other information, server receive can transfer after the loan application of first terminal withSubscriber information message that first terminal is mutually matched simultaneously generates loaning bill work order, and subscriber information message may include user identity card letterBreath, user job information, user identity license piece and living body photographic intelligence, credit rating information, are borrowed money at user's bank card informationOne of amount information, deadline information and facility information etc. are a variety of, so that second terminal was sent according to serverAuditing result is audited and generated to subscriber information message, and server can update loaning bill according to the auditing result of second terminalThe funds source of work order can make second terminal pass through server in this way to audit to first terminal subscriber data, judgeWhether can make loans for first terminal, realize the purpose of Auto-matching funds source, effectively reduce financial institutionCredit risk, and accelerate lending speed.
A kind of method for proposing Dynamic Matching loaning bill platform fund in yet another embodiment of the present invention, including following stepIt is rapid:
Auditing result is audited according to the subscriber information message that server is sent and generated to S300, second terminal, so thatObtain the funds source that the server updates loaning bill work order according to the auditing result；
Wherein, the server according to the loan application calling and obtaining user data information of first terminal and generates loaning bill work order.
It should be noted that with described above similar, first terminal can be borrower end herein, and second terminal can be withFor lender end, lender end here can for bank, financial institution or other there is trade companies or the individual for the qualification that can make loans,In the present embodiment, auditing result is audited according to the subscriber information message that server is sent and generated to second terminal, so thatThe funds source that server updates loaning bill work order according to second terminal auditing result generated is obtained, and transmitted by serverSubscriber information message is that server transfers the subscriber data letter being mutually matched with first terminal according to the loan application of first terminalLoaning bill work order is ceased and generates, subscriber information message may include user identity card information, user job information, user identity licensePiece and living body photographic intelligence, user's bank card information, credit rating information, loaning bill amount information, deadline information and equipment letterOne of breath etc. is a variety of, to realize the purpose of Auto-matching funds source, effectively reduces the credit of financial institutionRisk, and accelerate lending speed.
A kind of Dynamic Matching loaning bill platform funds systems are proposed in yet another embodiment of the present invention, comprising:
First terminal, for sending loan application；
Server based on the loan application calling and obtaining user data information and generates loaning bill work order；
Second terminal is audited based on the subscriber information message that the server is transferred and generates auditing result；
Wherein, the server based on the auditing result that the second terminal generates update the fund of the loaning bill work order comeSource.
Specifically, first terminal and second terminal can for mobile phone, computer or other with the hard of communication functionPart equipment, the present invention are not specifically limited in this embodiment, and in an implementation, borrower can be passed through loan application by using first terminalIt crosses wireless telecommunications and is sent to server, server understands calling and obtaining user data information after receiving loan application and generates loaning bill workSingle, the subscriber information message of generation is sent to second terminal by server, and the lenders such as financial institution, bank or individual can pass throughSecond terminal receives subscriber information message and audit and the result of audit is sent to server, and server is according to auditAs a result the funds source in loaning bill work order is updated, to realize Auto-matching loaning bill purpose, improves the satisfaction of user,Increase loaning bill efficiency.
Yet another embodiment of the present invention provides a kind of computer equipment, including memory, processor and is stored inOn reservoir and the computer program that can run on a processor, processor realize above-mentioned Dynamic Matching loaning bill platform when executing programThe method of fund.As shown in figure 5, the computer system for being suitable for being used to realize server provided in this embodiment, including centreIt manages unit (CPU), random visit can be loaded into according to the program being stored in read-only memory (ROM) or from storage sectionIt asks the program in memory (RAM) and executes various movements appropriate and processing.In RAM, it is also stored with computer system behaviourVarious programs and data needed for making.CPU, ROM and RAM are connected by bus by this.Input/input (I/O) interface also connectsIt is connected to bus.
I/O interface is connected to lower component: the importation including keyboard, mouse etc.；Including such as liquid crystal displayAnd the output par, c of loudspeaker etc. (LCD) etc.；Storage section including hard disk etc.；And including such as LAN card, modulation /demodulationThe communications portion of the network interface card of device etc..Communications portion executes communication process via the network of such as internet.DriverIt is connected to I/O interface as needed.Detachable media, such as disk, CD, magneto-optic disk, semiconductor memory etc., according to needIt installs on a drive, in order to be mounted into storage section as needed from the computer program read thereon.
Particularly, it mentions according to the present embodiment, the process of flow chart description above may be implemented as computer software programs.ExampleSuch as, the present embodiment includes a kind of computer program product comprising the computer being tangibly embodied on computer-readable mediumProgram, above-mentioned computer program include the program code for method shown in execution flow chart.In such embodiments, shouldComputer program can be downloaded and installed from network by communications portion, and/or be mounted from detachable media.
Flow chart and schematic diagram in attached drawing, illustrate the system of the present embodiment, method and computer program product canThe architecture, function and operation being able to achieve.In this regard, each box in flow chart or schematic diagram can represent a mouldA part of block, program segment or code, a part of above-mentioned module, section or code include one or more for realizing ruleThe executable instruction of fixed logic function.It should also be noted that in some implementations as replacements, function marked in the boxIt can also occur in a different order than that indicated in the drawings.For example, two boxes succeedingly indicated can actually be basicIt is performed in parallel, they can also be executed in the opposite order sometimes, and this depends on the function involved.It is also noted thatEach box and signal and/or the combination of the box in flow chart in schematic diagram and/or flow chart, can use and execute ruleThe dedicated hardware based systems of fixed functions or operations is realized, or can use the group of specialized hardware and computer instructionIt closes to realize.
Unit involved by description in this present embodiment can be realized by way of software, can also pass through hardwareMode is realized.Described unit also can be set in the processor, for example, can be described as: a kind of processor includes obtainingModulus block, computing module, detection module etc..Wherein, the title of these units is not constituted under certain conditions to the unit sheetThe restriction of body.For example, computing module is also described as " server ".
As on the other hand, present invention also provides a kind of computer readable storage medium, the computer-readable storage mediumsMatter can be computer readable storage medium included in device described in above-described embodiment；It is also possible to individualism, notThe computer readable storage medium being fitted into terminal.The computer-readable recording medium storage have one or more than oneProgram, described program is used to execute by one or more than one processor is described in Dynamic Matching loaning bill platform of the inventionThe method of fund.
Obviously, the above embodiment of the present invention be only to clearly illustrate example of the present invention, and not be pairThe restriction of embodiments of the present invention may be used also on the basis of the above description for those of ordinary skill in the artTo make other variations or changes in different ways, all embodiments can not be exhaustive here, it is all to belong to this hairThe obvious changes or variations that bright technical solution is extended out are still in the scope of protection of the present invention.