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Transaction processing method and device, electronic equipment and computer readable storage medium

A transaction processing and transaction technology, applied in the field of big data and cloud computing, can solve the problems of poor control of risks, cumbersome and complicated loan process, and poor real-time inspection, so as to overcome the cumbersome and complicated loan process, reduce the cost of manpower and material resources, Good effect on risk control

Pending Publication Date: 2021-04-06
INDUSTRIAL AND COMMERCIAL BANK OF CHINA
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] In the process of realizing the disclosed idea, the inventor found that the loan system has many contents, the loan process is cumbersome and complicated, and each step takes a lot of time. Comprehensive and careful evaluation, poor real-time post-loan inspection, and inability to better control risks, etc.

Method used

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  • Transaction processing method and device, electronic equipment and computer readable storage medium
  • Transaction processing method and device, electronic equipment and computer readable storage medium
  • Transaction processing method and device, electronic equipment and computer readable storage medium

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Embodiment Construction

[0030] Hereinafter, embodiments of the present disclosure will be described with reference to the drawings. It should be understood, however, that these descriptions are exemplary only, and are not intended to limit the scope of the present disclosure. In the following detailed description, for purposes of explanation, numerous specific details are set forth in order to provide a thorough understanding of the embodiments of the present disclosure. It may be evident, however, that one or more embodiments may be practiced without these specific details. Also, in the following description, descriptions of well-known structures and techniques are omitted to avoid unnecessarily obscuring the concept of the present disclosure.

[0031] The terminology used herein is for the purpose of describing particular embodiments only, and is not intended to be limiting of the present disclosure. The terms "comprising", "comprising", etc. used herein indicate the presence of stated features, ...

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Abstract

The invention provides a transaction processing method and device, electronic equipment and a computer readable storage medium, and can be applied to the field of big data and cloud computing. The method comprises the following steps: in response to a loan request of a user, obtaining a transaction order associated with the user from an order system; according to the content of the transaction order, generating loan information of the user, wherein the loan information at least comprises a loan limit; transferring a loan fund corresponding to the loan limit into a financial account of the user so as to pay the transaction order by using the loan fund; and generating a record used for representing an association relationship between the transaction order and the loan information.

Description

technical field [0001] The present disclosure relates to the technical fields of big data and cloud computing, and more specifically, to a transaction processing method and device, electronic equipment, and a computer-readable storage medium. Background technique [0002] Credit business, also known as credit assets or loan business, is an important asset business of commercial banks. The principal and interest are recovered through lending, and profits are obtained after deducting costs. Therefore, credit is the main means of profit for commercial banks. Since the loan is out of the control of the bank, the risk of not being able to recover the principal and interest on time is relatively high. Therefore, a strict loan system should be established on the basis of abiding by the contract law and the general principles of loans. The main contents are: establishing a loan relationship, applying for a loan, Pre-loan investigation, loan approval and issuance, post-loan inspectio...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02G06Q40/04G06Q20/24
CPCG06Q40/04G06Q20/24G06Q40/03
Inventor 任丽王禹李培文国明阳
Owner INDUSTRIAL AND COMMERCIAL BANK OF CHINA
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