CN108510386A - A kind of network loan system, method, terminal and medium - Google Patents
A kind of network loan system, method, terminal and medium Download PDFInfo
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- CN108510386A CN108510386A CN201810297583.7A CN201810297583A CN108510386A CN 108510386 A CN108510386 A CN 108510386A CN 201810297583 A CN201810297583 A CN 201810297583A CN 108510386 A CN108510386 A CN 108510386A
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- G06Q40/03—Credit; Loans; Processing thereof
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Abstract
A kind of network loan system provided by the invention, including information acquisition unit, shopping cart unit, investment amount allocation unit, invest order management unit and collect payment information unit, described information acquiring unit is used to obtain the investment target request of user；Target is added to the request of shopping cart unit；It obtains user and screens target information in shopping cart unit；The shopping cart unit invests target for bulk management；The investment amount allocation unit for being allocated investment amount according to the different operation of user according to different modes；The investment order management unit is for generating and storing investment order；The payment information unit of collecting is paid for order.Unified centralized management is carried out to the target to be invested that user selects by shopping cart unit, it is simple to operate, user only need register a systematic account multiple and different targets can be screened, portfolio investment, batch complete investment, it is simple to operate, improve user experience.
Description
Technical field
The present invention relates to finance to borrow or lend money technical field, and in particular to a kind of network loan system, method, terminal and medium.
Background technology
Existing network loan system, it is multifarious, all it is note for loaning bill user although work system is similar
Volume -- application debt-credit -- fund-raising -- acquisition fund --- process of refunding.It is registration --- options for investment user
Another process of target -- infusion of financial resources -- returned money.But the system of account of each system is not associated on the market, account body
The description and operation of system are also all far from each other, but can not form a set of Standardization System, for loaning bill user and investment user
Cause account it is more, using inconvenience such as difficulties, often borrower is in order to raise to a fund or investor for investment diversification
The assets of itself, user will register tens and not be associated with system of account, and whens multiple investment projects needs to grasp in each system
Make, inevitably forget certain inactive accounts during use, causes the loss of itself assets, system operatio inconvenient.
Invention content
For the defects in the prior art, one of the objects of the present invention is to provide a kind of network loan systems, can batch
Multiple investment targets are handled and manage, it is simple to operate.
In a first aspect, a kind of network loan system provided by the invention, including information acquisition unit, shopping cart unit, throwing
Capital amount allocation unit invests order management unit and collects payment information unit, and described information acquiring unit is used for obtaining
The investment target at family is asked；Target is added to the request of shopping cart unit；It obtains user and screens target in shopping cart unit
Information；The shopping cart unit invests target for bulk management；The investment amount allocation unit is used for according to user not
Biconditional operation is allocated investment amount according to different modes；The investment order management unit is for generating and storing investment
Order；The payment information unit of collecting is paid for order.
A kind of second aspect, network loan method provided by the invention, specifically includes following steps：
Obtain client and enter investment target request, the investment target include new upper target, bid and mechanism page
Target in face；
Obtain client selects addition target to the request of shopping cart in target details page, in shopping cart described in increase
Target information；
The target information in client screening shopping cart is obtained, client is obtained and at least one of choosing target is thrown
Capital amount distributes, and obtains the generation investment order request of client transmission；
It generates investment order information and sends order information to client；
It obtains client and confirms investment order information；
Payment instruction is sent to client；
Obtain the information that client is successfully paid.
Optionally, the specific steps for obtaining the target information in client screening shopping cart include：
Obtain the operation that client enters shopping cart by shopping cart entrance；
Client is obtained to check the target in shopping cart, edit and/or delete operation；
Obtain the target information that client selection determines investment.
Optionally, when the target chosen is multiple, the throwing of target setting of the client to each determining investment is obtained
Capital amount；It calculates and sends the income instruction for showing that each target investment amount generates to client；It calculates and is sent out to client
Send the instruction for the position in storehouse for showing each target；It calculates and sends display to client and can be instructed with amount.
Optionally, when the target chosen is multiple, the pre- investment total amount of client setting is obtained；Obtain client
The automatic respectively request sent, each target chosen is assigned to by the pre- investment total amount automatic average；It calculates and to visitor
Family end sends the income instruction for showing that each target investment amount generates；It calculates and sends the storehouse for showing each target to client
The instruction of position；Amount and input amount instruction can be used by calculating and sending display to client.
Optionally, further include inquiry before order information is invested in the generation and sends order information step to client
Remaining sum in user account sends prompt charging information if Sorry, your ticket has not enough value to client.
Optionally, the method further includes that user is borrowed money by client, and the method for the loaning bill includes：Obtain visitor
The loan requests at family end；
Loan details page is shown to client；
Obtain the borrower's loan essential information and certificate information of client input；
Check that borrower's reference is asked to client transmission；
Obtain client send whether reference information is checked in mandate；It is borrowed if it is not, then needing to authorize or abandon again to check
Money people's reference；If so, carrying out reference inquiry, reference query result is sent to client；
Determined whether to change into new mark according to reference query result, if so, being sent to visitor after loaning bill target interest rate is refreshed
Family end obtains client and confirms loaning bill rate；
It obtains the loaning bill target and completes information of raising money, contract signing information is sent to client.
Optionally, the method further includes that user is refunded by client, and described refund includes normally refunding, being overdue
It refunds, mechanism pays for first and also paid for first with borrower.
The third aspect, the present invention also provides a kind of network loan terminal, including processor, input equipment, output equipment and
Memory, the processor, input equipment, output equipment and memory are connected with each other, and the memory is for storing computer
Program, the computer program include program instruction, and the processor is configured for calling described program instruction, executes above-mentioned
Method.
Fourth aspect, the present invention also provides a kind of computer readable storage medium, the computer storage media is stored with
Computer program, the computer program include program instruction, and described program instruction makes the processing when being executed by a processor
Device executes the above method.
Beneficial effects of the present invention：
A kind of network loan system provided by the invention, financial institution is using network loan system, it can be achieved that in-house
Information management and processing, information mutual communication that can also be between implementation mechanism.User is intended to invest by shopping cart unit to selection
Target carries out unified centralized management, simple to operate, and user only needs one systematic account of registration can be to multiple and different
Target screened, portfolio investment, batch complete investment, it is simple to operate, improve user experience.
A kind of network loan method provided by the invention, user is by shopping cart to target to be invested can be selected to unite
One centralized management, simple to operate, user only needs one systematic account of registration that can be carried out to multiple and different targets
Screening, portfolio investment, batch completes investment, simple to operate.
Description of the drawings
It, below will be to specific in order to illustrate more clearly of the specific embodiment of the invention or technical solution in the prior art
Embodiment or attached drawing needed to be used in the description of the prior art are briefly described.In all the appended drawings, similar element
Or part is generally identified by similar reference numeral.In attached drawing, each element or part might not be drawn according to actual ratio.
Fig. 1 shows a kind of functional block diagram of the first embodiment of network loan system provided by the present invention；
Fig. 2 shows a kind of flow charts of network loan method first embodiment provided by the present invention；
Fig. 3 shows a kind of flow chart of network loan method second embodiment provided by the present invention；
Fig. 4 shows a kind of flow chart of network loan method 3rd embodiment provided by the present invention；
Fig. 5 shows a kind of functional block diagram of network loan terminal first embodiment provided by the present invention.
Specific implementation mode
The embodiment of technical solution of the present invention is described in detail below in conjunction with attached drawing.Following embodiment is only used for
Clearly illustrate technical scheme of the present invention, therefore be intended only as example, and the protection of the present invention cannot be limited with this
Range.
It should be noted that unless otherwise indicated, technical term or scientific terminology used in this application should be this hair
The ordinary meaning that bright one of ordinary skill in the art are understood.
As shown in Figure 1, showing a kind of first embodiment of network loan system provided by the invention, including acquisition of information
Unit 11, investment amount allocation unit 13, invests order management unit 14 and collects payment information unit at shopping cart unit 12
15, described information acquiring unit 11 is used to obtain the investment target request of user；Target is added to the request of shopping cart unit；
It obtains user and screens target information in shopping cart unit；The shopping cart unit 12 invests target for bulk management；It is described
Investment amount allocation unit 13 for being allocated investment amount according to the different operation of user according to different modes；It is described
Investment order management unit 14 is for generating and storing investment order；The payment information unit 15 of collecting is paid for order.
User obtains investment target information by information acquisition unit, and the target to be invested of selection is added in shopping cart unit, is used
Family such as can be checked, edited and/or be deleted to the target in shopping cart at the operations, can also be grouped classification to investment target,
To determining that investment amount is arranged in the target of investment in shopping cart, the amount of money of setting is divided by investment amount allocation unit
Match, the target for distributing the amount of money has amount of money distribution position in storehouse prompt.Investment amount allocation unit can input each target according to user
The amount of money be allocated or user input investment total amount, select mean allocation pattern, system automatically according to investment total amount
It is evenly distributed to and each has selected target.After distributing the amount of money to the target chosen, investment order management unit generates investment and orders
It is single simultaneously in order storage to database, will check to invest with query history convenient for user record, investment record include all record,
Ongoing investment record and completed investment record.After user confirms investment order, by collecting payment information unit branch
It pays, completes batch and invest.
The network loan system of the present invention carries out in Unified Set the target to be invested that user selects by shopping cart unit
Management, it is simple to operate, user only need register a systematic account multiple and different targets can be screened, group
Investment is closed, batch completes investment, simple to operate, improves user experience.
Fig. 2 shows a kind of flow chart of the first embodiment of network loan method provided by the invention, the network loans
Method is suitable for the network loan system described in above-described embodiment, which includes bulk management investment target,
Specifically include following steps：
S101：Obtain client and enter investment target request, the investment target include new upper target, bid and machine
Target in the structure page.
S102：Obtain client selects addition target to the request of shopping cart in target details page, increases in shopping cart
Add the target information.Shopping cart is added in the target chosen by user, convenient to be managed concentratedly to multiple targets.
S103：The target information in client screening shopping cart is obtained, obtains client at least one of choosing target
Investment amount distribution is carried out, and obtains the generation investment order request of client transmission.
Specifically, the specific steps of the target information in acquisition client screening shopping cart include：
Obtain the operation that client enters shopping cart by shopping cart entrance；
Client is obtained to check the target in shopping cart, edit and/or delete operation；
Obtain the target information that client selection determines investment.
Target is added in shopping cart by user, and the breviary of target can be checked from the quick entrance of shopping cart, carries out letter
It is single check, delete operation etc..User can be screened and be checked in detail to the target of selection by clicking to enter shopping cart,
It can check target situation of Profit, target can throw situation and whether target has thrown.User can be to the mark in shopping cart by client
Carry out check, edit, increase and/or delete, can also to investment target be grouped classification, convenient for centralized management and in batches
Investment.
When the target chosen is multiple, the investment amount of target setting of the client to each determining investment is obtained；It calculates
And the income instruction for showing that each target investment amount generates is sent to client；It calculates and sends each mark of display to client
Position in storehouse instruction；It calculates and sends display to client and can be instructed with amount.
When the target chosen is multiple, the pre- investment total amount of client setting is obtained；Obtain the automatic of client transmission
It respectively asks, the pre- investment total amount automatic average is assigned to each target chosen；It calculates and is sent to client aobvious
Show the income instruction that each target investment amount generates；Calculate and sent to client the instruction for the position in storehouse for showing each target；
Amount and input amount instruction can be used by calculating and sending display to client.
S104：It generates investment order information and sends order information to client.
S105：It obtains client and confirms investment order information.
S106：Payment instruction is sent to client.
S107：Obtain the information that client is successfully paid.
The network loan method of the embodiment of the present invention carries out Unified Set by shopping cart to the target to be invested that user selects
Middle management, it is simple to operate, user only need register a systematic account multiple and different targets can be screened,
Portfolio investment, batch completes investment, simple to operate.
As shown in figure 3, Fig. 3 shows the flow chart of the second embodiment of the network loan method of the present invention, it is real with first
Apply example the difference is that, the generation invest order information and to client send order information step before further include looking into
The remaining sum in user account is ask, if Sorry, your ticket has not enough value, prompt charging information is sent to client.To user before generating investment order
Remaining sum in account is inquired, if Sorry, your ticket has not enough value, user is reminded to supplement with money, convenient for knowing that oneself account can be used to user
Remaining sum.
As shown in figure 4, Fig. 4 shows the flow chart of the 3rd embodiment of the network loan method of the present invention, the method
It further includes loaning bill method to be different from the first embodiment in, and the method for the loaning bill includes：
S201：Obtain the loan requests of client.Loan requests need true and accurate to fill in loan primary demand.
S202：Loan details page is shown to client.
S203：Obtain the borrower's loan essential information and certificate information that user input by client.
S204：Check that borrower's reference is asked to client transmission.
S205：Obtain client send whether reference information is checked in mandate.If it is not, then needing to authorize or abandon again to look into
See borrower's reference；If so, carrying out reference inquiry, reference query result is sent to client.
S206：Determined whether to change into new mark according to reference query result, if so, sending after loaning bill target interest rate is refreshed
To client, obtains client and confirm loaning bill rate.
S207：It obtains the loaning bill target and completes information of raising money, contract signing information is sent to client.
The step of signing:User initiates signing, and the wish of user itself is verified in mobile phone verification, and user reads loaning bill contract,
It clicks signing and completes or refuse contract, complete signing of borrowing money.
Loaning bill target, which is raised money, to be marked and fails to be sold at auction including normally raising money, circulating.It is normal raise money to be divided into raise full situation and do not raise full feelings
Condition.Raise full situation：It completes to raise money in the stipulated time；Background server carries out full scale audit；After the approval, user completes contract
Signing；It makes loans.Full situation is not raised：It raises money the non-full scale that will expire, background server carries out non-full scale audit；Audit passes through, and uses
Complete Contract Signing in family；It makes loans.Circulation mark situation：User first completes Contract Signing；Timing system audits loaning bill automatically admittedly daily
Mark；It makes loans to borrower when daily fixed.It fails to be sold at auction：The target stipulated time does not raise full, and borrower has no intention loaning bill, as fails to be sold at auction.
The method further includes that user is refunded by client, and described refund includes normal refund, overdue refund, machine
Structure is paid for first also to be paid for first with borrower.
Mechanism in embodiment described above is borrowing organization.
As shown in figure 5, Fig. 5 show the present invention also provides a kind of network loan terminal embodiment, including processor
21, input equipment 22, output equipment 23 and memory 24, the processor 21, input equipment 22, output equipment 23 and memory
24 are connected with each other, and the memory 24 is for storing computer program, and the computer program includes program instruction, the processing
Device 21 is configured for calling described program instruction, the method for executing above-described embodiment description.
It should be appreciated that in embodiments of the present invention, alleged processor can be central processing unit (Central
Processing Unit, CPU), which can also be other general processors, digital signal processor (Digital
Signal Processor, DSP), application-specific integrated circuit (Application Specific Integrated Circuit,
ASIC), ready-made programmable gate array (Field-Programmable Gate Array, FPGA) or other programmable logic
Device, discrete gate or transistor logic, discrete hardware components etc..General processor can be microprocessor or this at
It can also be any conventional processor etc. to manage device.
Input equipment may include that Trackpad, fingerprint adopt the sensor (side of finger print information and fingerprint for acquiring user
To information), microphone etc., output equipment may include display (LCD etc.), loud speaker etc..
The memory may include read-only memory and random access memory, and provide instruction and data to processor.
The a part of of memory can also include nonvolatile RAM.For example, memory can be with storage device type
Information.
The present invention also provides a kind of computer readable storage medium, the computer storage media is stored with computer journey
Sequence, the computer program include program instruction, and described program instruction when being executed by a processor executes the processor
The method for stating embodiment description.
The computer readable storage medium can be the internal storage unit of the terminal described in previous embodiment, such as eventually
The hard disk or memory at end.The computer readable storage medium can also be the External memory equipment of the terminal, such as described
The plug-in type hard disk being equipped in terminal, intelligent memory card (Smart Media Card, SMC), secure digital (Secure
Digital, SD) card, flash card (Flash Card) etc..Further, the computer readable storage medium can also be wrapped both
The internal storage unit for including the terminal also includes External memory equipment.The computer readable storage medium is described for storing
Other programs needed for computer program and the terminal and data.The computer readable storage medium can be also used for temporarily
When store the data that has exported or will export.
In several embodiments provided herein, it should be understood that disclosed terminal and system, it can be by other
Mode realize.For example, the apparatus embodiments described above are merely exemplary, for example, the division of the unit, only
For a kind of division of logic function, formula that in actual implementation, there may be another division manner, such as multiple units or component can combine
Or it is desirably integrated into another system, or some features can be ignored or not executed.In addition, shown or discussed is mutual
Between coupling, direct-coupling or communication connection can be INDIRECT COUPLING or communication link by some interfaces, device or unit
It connects, can also be electricity, mechanical or other form connections.
The unit illustrated as separating component may or may not be physically separated, aobvious as unit
The component shown may or may not be physical unit, you can be located at a place, or may be distributed over multiple
In network element.Some or all of unit therein can be selected according to the actual needs to realize the embodiment of the present invention
Purpose.
In addition, each function module (unit) in each embodiment of the present invention can be integrated in a processing module (list
Member) in, it can also be that modules (unit) physically exist alone, can also be that two or more modules (unit) are integrated
In a module (unit).The form that hardware had both may be used in above-mentioned integrated module (unit) is realized, can also be used soft
The form of part functional unit is realized.
The integrated module (unit) in the form of software function module (unit) if realized and as independent production
Product are sold or in use, can be stored in a computer read/write memory medium.Based on this understanding, skill of the invention
Substantially all or part of the part that contributes to existing technology or the technical solution can be with soft in other words for art scheme
The form of part product embodies, which is stored in a storage medium, including some instructions are making
It obtains a computer equipment (can be personal computer, server or the network equipment etc.) and executes each embodiment of the present invention
The all or part of step of the method.And storage medium above-mentioned includes：USB flash disk, mobile hard disk, read-only memory (ROM,
Read-Only Memory), random access memory (RAM, Random Access Memory), magnetic disc or CD etc. it is various
The medium of program code can be stored.
Finally it should be noted that：The above embodiments are only used to illustrate the technical solution of the present invention., rather than its limitations；To the greatest extent
Present invention has been described in detail with reference to the aforementioned embodiments for pipe, it will be understood by those of ordinary skill in the art that：Its according to
So can with technical scheme described in the above embodiments is modified, either to which part or all technical features into
Row equivalent replacement；And these modifications or replacements, various embodiments of the present invention technology that it does not separate the essence of the corresponding technical solution
The range of scheme should all cover in the claim of the present invention and the range of specification.
Claims (10)
1. a kind of network loan system, which is characterized in that single including information acquisition unit, shopping cart unit, investment amount distribution
Member invests order management unit and collects payment information unit, and described information acquiring unit is used to obtain the investment target of user
Request；Target is added to the request of shopping cart unit；It obtains user and screens target information in shopping cart unit；The shopping
Vehicle unit invests target for bulk management；The investment amount allocation unit is used for the different operation according to user to investment gold
Volume is allocated according to different modes；The investment order management unit is for generating and storing investment order；It is described to collect
Payment information unit is paid for order.
2. a kind of network loan method, which is characterized in that following steps are specifically included,
Obtain client and enter investment target request, the investment target include new upper target, bid and in the mechanism page
Target；
Obtain client selects addition target to the request of shopping cart in target details page, increases the target in shopping cart
Information；
The target information in client screening shopping cart is obtained, client is obtained and investment gold is carried out at least one of choosing target
Volume distributes, and obtains the generation investment order request of client transmission；
It generates investment order information and sends order information to client；
It obtains client and confirms investment order information；
Payment instruction is sent to client；
Obtain the information that client is successfully paid.
3. network loan method as claimed in claim 2, which is characterized in that the mark obtained in client screening shopping cart
The specific steps of information include：
Obtain the operation that client enters shopping cart by shopping cart entrance；
Client is obtained to check the target in shopping cart, edit and/or delete operation；
Obtain the target information that client selection determines investment.
4. network loan method as claimed in claim 2, which is characterized in that when the target chosen is multiple, obtain visitor
Investment amount of the family end to the target setting of each determining investment；It calculates and is sent to client and show each target investment amount
The income of generation instructs；Calculate and sent to client the instruction for the position in storehouse for showing each target；It calculates and is sent to client
Display can be instructed with amount.
5. network loan method as claimed in claim 2, which is characterized in that when the target chosen is multiple, obtain visitor
The pre- investment total amount of family end setting；The automatic respectively request that client is sent is obtained, the pre- investment total amount is put down automatically
It is assigned to each target chosen；It calculates and sends the income instruction for showing that each target investment amount generates to client；
Calculate and sent to client the instruction for the position in storehouse for showing each target；Amount and defeated can be used by calculating and sending display to client
Enter amount instruction.
6. network loan method as claimed in claim 2, which is characterized in that invest order information in the generation and to client
End further includes the remaining sum inquired in user account before sending order information step, if Sorry, your ticket has not enough value, sends and prompts to client
Charging information.
7. network loan method as claimed in claim 2, which is characterized in that the method further include user by client into
Row is borrowed money, and the method for the loaning bill includes：Obtain the loan requests of client；
Loan details page is shown to client；
Obtain the borrower's loan essential information and certificate information of client input；
Check that borrower's reference is asked to client transmission；
Obtain client send whether reference information is checked in mandate；If it is not, then needing to authorize or abandon again to check borrower
Reference；If so, carrying out reference inquiry, reference query result is sent to client；
Determined whether to change into new mark according to reference query result, if so, it is sent to client after loaning bill target interest rate is refreshed,
It obtains client and confirms loaning bill rate；
It obtains the loaning bill target and completes information of raising money, contract signing information is sent to client.
8. network loan method as claimed in claim 2, which is characterized in that the method further include user by client into
Row is refunded, it is described refund include it is normal refund, it is overdue refund, mechanism pays for first and is also paid for first with borrower.
9. a kind of network loan terminal, including processor, input equipment, output equipment and memory, the processor, input are set
Standby, output equipment and memory are connected with each other, and for the memory for storing computer program, the computer program includes journey
Sequence instructs, which is characterized in that the processor is configured for calling described program instruction, executes as claim 2-8 is any
Method described in.
10. a kind of computer readable storage medium, which is characterized in that the computer storage media is stored with computer program,
The computer program includes program instruction, and described program instruction makes the processor execute such as right when being executed by a processor
It is required that 2-8 any one of them methods.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
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| CN201810297583.7A CN108510386A (en) | 2018-04-04 | 2018-04-04 | A kind of network loan system, method, terminal and medium |
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| CN201810297583.7A CN108510386A (en) | 2018-04-04 | 2018-04-04 | A kind of network loan system, method, terminal and medium |
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Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN109359819A (en) * | 2018-09-21 | 2019-02-19 | 深圳市小牛在线互联网信息咨询有限公司 | Network loaning bill risk disclosure method, apparatus, computer equipment and storage medium |
| CN109685641A (en) * | 2018-11-15 | 2019-04-26 | 深圳市佰仟金融服务有限公司 | A kind of information processing method and device |
| CN110503532A (en) * | 2019-07-30 | 2019-11-26 | 广东分利宝金服科技有限公司 | The automatic bid matching process and device of customer investment maximum revenue |
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