CN115641199A - Information auditing system and method - Google Patents
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Abstract
The invention provides an information auditing method and system, which comprise an information acquisition module, a data auditing module, a data information classification module, a loan payment module, a continuous credit judgment module, a data backup storage end and a user terminal, wherein data transmission is carried out among the modules; the information acquisition module is used for registering and inputting identity information, acquiring basic information required by personal loan through the background server, and sending registered and input data and acquired basic personal information to the data backup storage terminal for storage; the data management module compares the data acquired by the information acquisition module with a standard threshold one by one, and when the data meet the labeled threshold, the data are approved and imported into a data backup storage terminal by the management module; when the data do not meet the marking threshold value, sending a refusal examination order to the user terminal; the data information classification module classifies the acquired data and respectively sends the classified data to the data backup storage terminal for classified backup.
Description
Technical Field
The invention belongs to the field of information auditing, and particularly relates to an information auditing method and system.
Background
At present, a network loan model is generally checked based on basic information provided by a user, the basic information includes name, identification number, work unit, industry, income, home address, housing type, contact information and the like, and the checking result obtained by checking loan information is generally divided into two cases of 'pass' and 'undetermined'. In general, the loan application entering the pending state goes through the manual process and informs the user to provide more information for the verification, so as to realize the information verification on the user online. There may be false situations in the information provided by the user that may cause a problem in that the loan information review is not reasonably accurate. In addition, with the increase of loan businesses, the offline auditing method not only increases the labor cost, but also reduces the loan auditing progress.
However, with the development of internet finance, a user signs an insurance policy with an insurance institution, and the operations of submitting loan application and the like to a loan platform can be operated through a webpage or a client side without going to a physical store, so that the business processing speed is improved; however, at present, the interaction among the loan platform, the insurance institution and the user is usually performed in respective network systems, for example, the user signs an insurance policy with the insurance institution first, then the user loans from the loan platform, and then pays a premium from money loaned from the loan platform, so that more comprehensive information sharing cannot be realized, and deep integration of the loan service and the insurance service cannot be realized. Therefore, how to realize the deep integration of the loan service and the insurance service becomes a pending problem.
With the rapid development of the information age, most enterprises choose to promote products in a network promotion mode to attract more users, and the common method is that links corresponding to the enterprises are sent to the partners, and the partners display the links corresponding to the enterprises on related webpages, so that the users can access the enterprises through the links on the pages of the partners. If the user visits the enterprise on the webpage of the partner, the enterprise stores the information of the partner in the back-end server, and when the access flow of the partner needs to be counted, the front end acquires the information of the partner from the back-end server through interaction with the back-end server.
In the loan industry, besides information of a partner is needed when flow is counted, some operations of a user at the front end also need to be checked based on the information of the partner, if the user needs the information of the partner at multiple positions of the front end, the front end server and the back end server need to interact for multiple times, and therefore the information processing efficiency is low.
Disclosure of Invention
The invention provides an information auditing method and system, which solve the problem of information redundancy in the prior art, can perform data backup while performing information auditing, and can call default data in time when needed.
The technical scheme of the invention is realized as follows:
the information auditing system comprises an information acquisition module, a data auditing module, a data information classification module, a loan payment module, a continuous credit judgment module, a data backup storage end and a user terminal, wherein data transmission is carried out among the modules; the information acquisition module is used for registering and inputting identity information, acquiring basic information required by personal loan through the background server, and sending registered and input data and acquired basic personal information to the data backup storage terminal for storage; the data examination module compares the data acquired by the information acquisition module with a standard threshold one by one, and when the data meet the marked threshold, the examination is passed, and the examination module imports the data into a data backup storage terminal; when the data do not meet the marking threshold value, sending a refusal examination order to the user terminal; the data information classification module classifies the acquired data and respectively sends the classified data to the data backup storage terminal for classification backup; the loan payment module calls data in the data backup storage terminal, sends a loan to a preset account through personal information comparison and confirmation, and sends a arrival message to a user through a user terminal; the continuous credit judgment module carries out credit rating on the loan user at regular time, collects real-time credit data of the loan user, carries out time-sharing judgment on the data, starts early warning if the data is judged to be lack of credit, calls out personal information in the data backup storage terminal, and sends determined early warning information to the user terminal; the data backup storage end is used for storing the stored data as historical data, receiving data calling instructions of other modules and calling out the stored data after receiving confirmation instructions sent by the continuous credit judgment module; and the user terminal receives the data sent by the continuous credit judgment module and sends a confirmation instruction to confirm, and the user terminal can call the data backup storage terminal.
The information auditing system adopted by the application document can facilitate later-stage tracing by uploading the data of each part to the system, and avoids the problem that data loss is easily caused when a plurality of loan information is simultaneously available, data redundancy is generated in information auditing and subsequent work.
Further, the loan payment module sends a loan bill to the user side and obtains a receipt fed back by the user side, and after the data of the loan is determined to be accurate, the loan payment is sent. The inconsistent registration information can be timely found through feedback of the user side, related personnel are informed to process the inconsistent registration information, when the capacity of the data storage library is about to overflow, an early warning signal can be sent to the user side, the problems that data are lost due to data overflow coverage and the like can be avoided, and after the user side receives the early warning signal, the data in the data storage library can be rapidly exported, so that the data storage library is emptied, and the capacity is guaranteed to be sufficient.
Further, the basic information collected by the information collecting module comprises personal name, gender, age, work type, telephone, identity card number, contract number, identification card photo, qualification card photo and bank card number data.
Further, the data transmission mode is wireless communication transmission, and the wireless communication transmission mode is GPRS/GSM network transmission.
The information auditing method comprises the following steps: s1: after the loan application is carried out by the borrower, the information acquisition module carries out identity information registration and inputs the identity information of the borrower, and basic information required by the personal loan is acquired through the background server; s2: classifying the collected data, and respectively sending the classified data to a data backup storage terminal for classified backup; s3: comparing the classified backup data with a standard threshold one by one in the data auditing module, and entering the step S4 after the data meet the marking threshold; when the data do not meet the marking threshold value, sending a refusal examination order to the user terminal; s4: the loan payment module calls data in the data backup storage terminal, sends a loan into a preset account through personal information comparison and confirmation, and sends a arrival message to a user through a user terminal; s5: the continuous credit judgment module carries out credit rating on the loan user at regular time, collects real-time credit data of the loan user, carries out time-sharing judgment on the data, filters the account information if the credit threshold value reaches the standard, and enters step S6 if the credit threshold value is judged to be lack of credit; s6: and starting early warning, calling out personal information in the data backup storage terminal, and sending the determined early warning information to the user terminal.
Further, the data backup storage end in step S2 is configured to store the storage data as historical data, receive a data calling instruction from each of the other modules, and call out the storage data after receiving a confirmation instruction sent by the persistent credit determination module.
Further, the user terminal in step S3 is any one of a PC, an industrial controller, a mobile computer, a tablet computer, and a mobile phone.
After the technical scheme is adopted, the invention has the beneficial effects that: after a loan audit request is acquired, acquiring user basic information according to the reference audit information; adopting a preset rule to carry out continuous credit tracking on the basic information of the user to obtain credit data of the user; and finally, obtaining the auditing information according to the user basic information. By means of intelligent loan audit and different credit evaluations according to different loan products, the efficiency of loan audit is guaranteed, the accuracy of loan audit is improved, data redundancy in information audit and subsequent work when a plurality of loan information exist at the same time is avoided, and data loss is easily caused when the loan information is violated.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, and it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to these drawings without creative efforts.
FIG. 1 is a block diagram of the system of the present invention.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
Example (b):
as shown in fig. 1, the information auditing system comprises an information acquisition module, a data auditing module, a data information classification module, a loan payment module, a continuous credit judgment module, a data backup storage end and a user terminal, wherein data transmission is performed among the modules; the information acquisition module is used for registering and inputting identity information, acquiring basic information required by personal loan through the background server, and sending registered and input data and acquired basic personal information to the data backup storage terminal for storage; the data examination module compares the data acquired by the information acquisition module with a standard threshold one by one, and when the data meet the marked threshold, the examination is passed, and the examination module imports the data into a data backup storage terminal; when the data do not meet the marking threshold value, sending a refusal examination order to the user terminal; the data information classification module classifies the acquired data and respectively sends the classified data to a data backup storage terminal for classified backup; the loan payment module calls data in the data backup storage terminal, sends a loan to a preset account through personal information comparison and confirmation, and sends a arrival message to a user through a user terminal; the continuous credit judgment module carries out credit rating on the loan user at regular time, collects real-time credit data of the loan user, carries out time-sharing judgment on the data, starts early warning if the data is judged to be lack of credit, calls out personal information in the data backup storage terminal, and sends determined early warning information to the user terminal; the data backup storage end is used for storing the stored data as historical data, receiving data calling instructions of other modules and calling out the stored data after receiving confirmation instructions sent by the continuous credit judgment module; and the user terminal receives the data sent by the continuous credit judgment module and sends a confirmation instruction to confirm, and the user terminal can call the data backup storage terminal.
The loan on the market is of various types, such as car loan and house loan, and although various loans are directed to different types of customers, the contents of the initial screening of the loan qualification of the customers are basically consistent, such as names, identity cards, mobile phone numbers, loan cities and the like. The loan qualification screening is carried out by the client personnel aiming at different loan types, so that the screening process is repeated, the labor cost is increased, and the subsequent loan flow is delayed. In addition, after the salesperson acquires the customer list, the salesperson does not know the customer information and blindly dials the customer telephone for sale, but in the dialed customer telephone, many customers do not accord with the loan conditions due to the ages, regions, industries and other reasons, so that the salesperson spends a great deal of time in invalid communication, the effective communication time with potential customers is reduced, the service communication efficiency is low, and the loan conversion rate is low; meanwhile, during loan, customer data and qualification are manually checked by customer service staff, so that customers who do not accord with loan conditions are paid due to manual checking errors, and further, the follow-up repayment risk is caused.
The information auditing system adopted by the application document can facilitate later-stage tracing by uploading the data of each part to the system, and avoids the problem that data loss is easily caused when a plurality of loan information is simultaneously available, data redundancy is generated in information auditing and subsequent work.
Further, the loan payment module sends a loan bill to the user side and obtains a receipt fed back by the user side, and after the data of the loan is determined to be accurate, the loan payment is sent. The inconsistent registration information can be timely found through feedback of the user side, related personnel are informed to process the inconsistent registration information, when the capacity of the data storage library is about to overflow, an early warning signal can be sent to the user side, the problems that data are lost due to data overflow coverage and the like can be avoided, and after the user side receives the early warning signal, the data in the data storage library can be rapidly exported, so that the data storage library is emptied, and the capacity is guaranteed to be sufficient.
The basic information collected by the information collecting module comprises personal name, gender, age, work type, telephone, identity card number, contract number, identity card photo, qualification card photo and bank card number data. The entry of the basic information can enable the background to master the identity information of the borrower.
The data transmission mode is wireless communication transmission, and the wireless communication transmission mode is GPRS/GSM network transmission. Through GPRS/GSM wireless communication technology connection, the data is transmitted in packet mode, so the charge of the user is calculated by the data unit transmitted by the user, and the whole channel is not used. And because the establishment of new connection almost does not need any time, the system can keep in touch with the network at any time, the safe operation of the system is ensured, the system cannot be invalid due to system problems, and the transmission mode has better confidentiality.
Example two
The embodiment shows the method and the information auditing method through the method on the basis of the first embodiment, and the method adopts the following steps: s1: after the loan application is carried out by the borrower, the information acquisition module carries out identity information registration and inputs the identity information of the borrower, and basic information required by the personal loan is acquired through the background server; s2: classifying the acquired data, and respectively sending the classified data to a data backup storage terminal for classified backup; s3: comparing the classified backup data with a standard threshold one by one in the data auditing module, and entering the step S4 after the data meet the marking threshold; when the data do not meet the marking threshold value, sending a refusal examination order to the user terminal; s4: the loan payment module calls data in the data backup storage terminal, sends a loan to a preset account through personal information comparison and confirmation, and sends a arrival message to a user through a user terminal; s5: the continuous credit judgment module carries out credit rating on the loan user at regular time, collects real-time credit data of the loan user, carries out time-sharing judgment on the data, filters the account information if the credit threshold value reaches the standard, and enters step S6 if the credit threshold value is judged to be lack of credit; s6: and starting early warning, calling out personal information in the data backup storage terminal, and sending the determined early warning information to the user terminal.
With the rapid development of internet technology, loan and loan services developed based on the internet are increasing, and meanwhile, various fraudulent behaviors such as cheating and fraud by lawless persons using vulnerabilities of various platforms occur, which causes huge losses to enterprises. With the progress of anti-fraud technology, financial fraud is more and more difficult to be completed by individuals, the mode of financial fraud also continuously evolves along with time, and the financial fraud behavior gradually develops towards the trend of grouping and organizing. However, when each person applies for the loan service at present, the prejudgment cannot be made in advance, so that the examination and the verification of the loan service are time-consuming and labor-consuming, and a certain early warning or prompting means is lacked. Currently, different levels or hierarchies are determined in advance for different users, but the determination mode is simple, the accuracy is not high, and the determination mode cannot be used as an effective reference.
And the data backup storage end in the step S2 is used for storing the stored data as historical data, receiving the data calling instruction of each other module, and calling out the stored data after receiving the confirmation instruction sent by the continuous credit determination module. And the user terminal in the step S3 is any one of a PC (personal computer), an industrial controller, a mobile computer, a tablet personal computer and a mobile phone.
The above description is only for the purpose of illustrating the preferred embodiments of the present invention and is not to be construed as limiting the invention, and any modifications, equivalents, improvements and the like that fall within the spirit and principle of the present invention are intended to be included therein.
Claims (7)
1. The information auditing system is characterized by comprising an information acquisition module, a data auditing module, a data information classification module, a loan payment module, a continuous credit judgment module, a data backup storage end and a user terminal, wherein data transmission is carried out among the modules;
the information acquisition module is used for registering and inputting identity information, acquiring basic information required by personal loan through the background server, and sending registered and input data and acquired basic personal information to the data backup storage terminal for storage;
the data examination module compares the data acquired by the information acquisition module with a standard threshold one by one, and when the data meet the marked threshold, the examination is passed, and the examination module imports the data into a data backup storage terminal; when the data do not meet the marking threshold value, sending a refusal examination order to the user terminal;
the data information classification module classifies the acquired data and respectively sends the classified data to a data backup storage terminal for classified backup;
the loan payment module calls data in the data backup storage terminal, sends a loan to a preset account through personal information comparison and confirmation, and sends a arrival message to a user through a user terminal;
the continuous credit judgment module carries out credit rating on the loan user at regular time, collects real-time credit data of the loan user, carries out time-sharing judgment on the data, starts early warning if the data is judged to be lack of credit, calls out personal information in the data backup storage terminal, and sends determined early warning information to the user terminal;
the data backup storage end is used for storing the stored data as historical data, receiving the data calling instruction of other modules and calling out the stored data after receiving the confirmation instruction sent by the continuous credit judgment module;
and the user terminal receives the data sent by the continuous credit judgment module and sends a confirmation instruction to confirm, and the user terminal can call the data backup storage terminal.
2. An information auditing system according to claim 1, where: and the loan payment module sends a loan bill to the user side and obtains a receipt fed back by the user side, and sends the loan money after the loan data is determined to be accurate.
3. An information auditing system according to claim 1, where: the basic information collected by the information collecting module comprises personal name, gender, age, work type, telephone, identity card number, contract number, identity card photo, qualification card photo and bank card number data.
4. An information auditing system according to claim 1, where: the data transmission mode is wireless communication transmission, and the wireless communication transmission mode is GPRS/GSM network transmission.
5. The information auditing method is characterized by comprising the following steps:
s1: after the loan application is carried out by the borrower, identity information is registered and input by using an information acquisition module, and basic information required by personal loan is acquired through a background server;
s2: classifying the collected data, and respectively sending the classified data to a data backup storage terminal for classified backup;
s3: comparing the classified backup data with a standard threshold one by one in the data auditing module, and entering the step S4 after the data meet the marking threshold; when the data do not meet the marking threshold value, sending a refusal examination order to the user terminal;
s4: the loan payment module calls data in the data backup storage terminal, sends a loan into a preset account through personal information comparison and confirmation, and sends a arrival message to a user through a user terminal;
s5: the continuous credit judgment module carries out credit rating on the loan user at regular time, collects real-time credit data of the loan user, carries out time-sharing judgment on the data, filters the account information if the credit threshold value reaches the standard, and enters step S6 if the credit threshold value is judged to be lack of credit;
s6: and starting early warning, calling out personal information in the data backup storage terminal, and sending the determined early warning information to the user terminal.
6. An information auditing method according to claim 5, in which: and the data backup storage end in the step S2 is used for storing the stored data as historical data, receiving the data calling instruction of each other module, and calling out the stored data after receiving the confirmation instruction sent by the continuous credit determination module.
7. An information auditing method according to claim 1, characterized in that: the user terminal in the step S3 is any one of a PC, an industrial controller, a mobile computer, a tablet computer, and a mobile phone.
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| CN202211328939.1A CN115641199A (en) | 2022-10-27 | 2022-10-27 | Information auditing system and method |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN118446653A (en) * | 2024-06-14 | 2024-08-06 | 广州中长康达信息技术有限公司 | Method and system for setting approval data items based on three-dimensional structure |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN118446653A (en) * | 2024-06-14 | 2024-08-06 | 广州中长康达信息技术有限公司 | Method and system for setting approval data items based on three-dimensional structure |
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