CN102254289A - Fast credit card approving method - Google Patents
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- CN102254289A CN102254289A CN201110219090XA CN201110219090A CN102254289A CN 102254289 A CN102254289 A CN 102254289A CN 201110219090X A CN201110219090X A CN 201110219090XA CN 201110219090 A CN201110219090 A CN 201110219090A CN 102254289 A CN102254289 A CN 102254289A
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Abstract
The invention relates to a fast credit card approving method which comprises the following steps: a front-end customer information type-in subsystem is used for automatically acquiring the information of an identification card and typing in other information of a customer, and sending the customer information to a fast approving subsystem; the fast approving subsystem is used for receiving the customer information, comparing the customer information with the information, such as credit investigation, social security, public security, blacklist and the like automatically, carrying out gradation and rule determination on the customer information automatically, and returning the rejected approval result to the front-end customer information type-in subsystem automatically; the fast approving subsystem is used for forwarding the pre-approved customer information to a fast card issuing subsystem; the card issuing subsystem is used for opening an account according to the customer information and generating card making information automatically, and sending a successful application short message to the customer; and a bank clerk inputs the content of the short message of the customer at a card making control end, and a system calls the card making information and makes a card. The fast credit card approving method can be used for comparing and grading the customer information automatically, examining and approving the customer information immediately, making the credit card in a shortest time, thereby improving the card issuing efficiency.
Description
Technical field
The present invention relates to the bank management system technical field, particularly relate to a kind of method of examining credit card fast.
Background technology
Credit card hair fastener approval process is comparatively complicated at present, and complicated credit card approval process can cause the client to experience decline, and card sending system just arises fast.In financial product relative flourishing Europe and North America with operation mode, the system of authorizing fast has been applied in places such as financial institution site, chain store, large scale business activity, exhibition scene, and the instant audit hair fastener service of debit card, credit card (credit card), prepaid card is provided for the client.When promoting client's impression, increased the market of its financial product has been accepted.
Summary of the invention
Technical matters to be solved by this invention provides a kind of method of examining credit card fast, makes the hair fastener approval process more simplify.
The technical solution adopted for the present invention to solve the technical problems is: a kind of method of examining credit card fast is provided, may further comprise the steps:
(1) after front end customer information typing subsystem is printed credit card application table and application information automatically and provided the client to sign to confirm, front end customer information typing subsystem will be gathered client's out of Memory with manual typing automatically and pass to and examine subsystem fast;
(2) examine the information of subsystem fast, examine subsystem fast and call external data automatically, carry out information comparison, will enter automatic scoring and enter automatic approval process for client by above information check with the front end customer information typing subsystem received;
(3) examine subsystem end approving person fast and judge that rule of thumb the artificial treatment case is refusal or pre-approval; Fast the hair fastener subsystem judges that with the approving person application information of the automatic pre-approval of pre-approval and system transmits bank's backstage hair fastener subsystem automatically;
(4) bank's hair fastener subsystem is received and is examined the pre-approval customer information that subsystem is transmitted fast, sends to the client during the automatic generation fabrication information of same checked by application and successfully applies for note, comprises several and fabrication key behind the card number in the note;
(5) personnel of client's forward end customer information typing subsystem provide note and fabrication key, and the personnel of front end customer information typing subsystem import above information, the fabrication immediately of fabrication control system.
Described step (1) is further comprising the steps of:
(a) front end customer information typing subsystem reads customer's identity card information automatically and carries out the inspection of ID (identity number) card information check bit, and this inspection also comprises steroid test;
(b) if ID (identity number) card information is 18 a identification card number, 18 identification card numbers of typing and 15 identification card numbers in the banking data base are compared automatically, and 15 identification card numbers in the banking data base are upgraded to 18 identification card numbers;
(c) gather customer name, sex, address, identification card number, I.D. term of validity information automatically according to ID (identity number) card information and adopt client's dictated information, the personnel of bank input and print application form and provide the client to sign.
Described step (2) is further comprising the steps of:
(d) examine subsystem fast and call one or more external datas in reference, social security, public security, regional reference, the blacklist automatically, but and be comparative information with the said external data parsing automatically;
Whether (e) examine subsystem fast and receive customer information, the calorimeter of marking is automatically calculated, provide follow-up and ratify and what foundation of credit line.
Bank's hair fastener subsystem is received after examining subsystem fast transmits the pre-approval customer information of coming in the described step (4) also needs to repeat application inspection, by after checking, sends to the client when generating the fabrication information of same automatically and successfully applies for note.
Also comprise following substep in the described step (2):
(A) judge whether user profile is complete, then enter next step, otherwise failure information is as a result examined in the transmission of forward end customer information typing subsystem as if complete;
(B) judge whether the user belongs to the user in the comparative information, then do not enter next step, otherwise failure information is as a result examined in the transmission of forward end customer information typing subsystem if do not belong to;
(C) whether the credit scoring of judging the user is being ratified on the line, if then enter next step on the approval line, otherwise failure information is as a result examined in the transmission of forward end customer information typing subsystem;
(D) forward end customer information typing subsystem sends and examines successful information as a result.
Beneficial effect
Owing to adopted above-mentioned technical scheme, the present invention compared with prior art has following advantage and good effect: the present invention can examine immediately and check and approve the client, and in the shortest time credit card is completed, improved hair fastener efficient, and client's specific aim is stronger.It is more controlled that the feasible more traditional approval process of risk of examining is examined in use fast.
Description of drawings
Fig. 1 is a process flow diagram of the present invention.
Embodiment
Below in conjunction with specific embodiment, further set forth the present invention.Should be understood that these embodiment only to be used to the present invention is described and be not used in and limit the scope of the invention.Should be understood that in addition those skilled in the art can make various changes or modifications the present invention after the content of having read the present invention's instruction, these equivalent form of values fall within the application's appended claims institute restricted portion equally.
Embodiments of the present invention relate to a kind of method of examining credit card fast, wherein, front end customer information typing subsystem comprises: I.D. discerns automatically and the ID (identity number) card information collection is gathered automatically, the typing of client's out of Memory, three parts of credit card fabrication control program are examined subsystem fast and are comprised: approval process management submodule, the external information calling module (comprises the People's Bank's credit bureau calling interface, social security information calling interface, public security information calling interface, other regional reference data (Shanghai reference, roc is far away in Shenzhen), blacklist is shared by bank, repetition and the inspection that refuses an application (this step also can be placed on the inspection of hair fastener subsystem) etc.), strategy is examined module (contain the credit scoring card and examine rule) three parts.
As shown in Figure 1, this method may further comprise the steps:
(1) after front end customer information typing subsystem is printed credit card application table and application information automatically and provided the client to sign to confirm, front end customer information typing subsystem will be gathered client's out of Memory with manual typing automatically and pass to and examine subsystem fast.Further comprising the steps of in this step: front end customer information typing subsystem reads customer's identity card information automatically and carries out the inspection of ID (identity number) card information check bit, and this inspection also comprises steroid test; If ID (identity number) card information is 18 a identification card number, 18 identification card numbers of typing and 15 identification card numbers in the banking data base are compared automatically, and 15 identification card numbers in the banking data base are upgraded to 18 identification card numbers; Automatically gathering customer name, sex, address, identification card number, I.D. term of validity information and adopt client's dictated information, the personnel of bank input and print application form according to ID (identity number) card information provides the client to sign, the cumbersome approaches of having avoided the conventional need client to fill in application form.
(2) examine the information of subsystem fast, examine subsystem fast and call external data automatically, carry out information comparison, will enter automatic scoring and enter automatic approval process for client by above information check with the front end customer information typing subsystem received.Wherein, examine subsystem fast and call one or more external datas in reference, social security, public security, regional reference, the blacklist automatically, but and be comparative information with the said external data parsing automatically, examine subsystem fast and receive customer information, automatically carry out the credit scoring calorimeter and calculate, provide follow-up and whether ratify and what foundation of credit line.
This step is further comprising the steps of: judge (A) whether user profile is complete, then enter next step as if complete, otherwise failure information is as a result examined in the transmission of forward end customer information typing subsystem; (B) judge whether the user belongs to the user in the comparative information, then do not enter next step, otherwise failure information is as a result examined in the transmission of forward end customer information typing subsystem if do not belong to; (C) whether the credit scoring of judging the user is being ratified on the line, if then enter next step on the approval line, otherwise failure information is as a result examined in the transmission of forward end customer information typing subsystem; (D) forward end customer information typing subsystem sends and examines successful information as a result.
(3) examine subsystem end approving person fast and judge that rule of thumb the artificial treatment case is refusal or pre-approval; Fast the hair fastener subsystem judges that with the approving person application information of the automatic pre-approval of pre-approval and system transmits bank's backstage hair fastener subsystem automatically.
(4) bank's hair fastener subsystem is received and is examined the pre-approval customer information that subsystem is transmitted fast, sends to the client during the automatic generation fabrication information of same checked by application and successfully applies for note, comprises several and fabrication key behind the card number in the note.Bank's hair fastener subsystem also needs to repeat application inspection after receiving and examining the pre-approval customer information that subsystem transmits fast in this step, by after checking, sends to the client when generating the fabrication information of same automatically and successfully applies for note.
(5) personnel of client's forward end customer information typing subsystem provide note and fabrication key, and the personnel of front end customer information typing subsystem import above information, the fabrication immediately of fabrication control system.
Be not difficult to find that the present invention can examine immediately and check and approve the client, and in the shortest time credit card is completed, and has improved hair fastener efficient, and client's specific aim is stronger.It is more controlled that the feasible more traditional approval process of risk of examining is examined in use fast.
Claims (5)
1. a method of examining credit card fast is characterized in that, may further comprise the steps:
(1) after front end customer information typing subsystem is printed credit card application table and application information automatically and provided the client to sign to confirm, front end customer information typing subsystem will be gathered client's out of Memory with manual typing automatically and pass to and examine subsystem fast;
(2) examine the information of subsystem fast, examine subsystem fast and call external data automatically, carry out information comparison, will enter automatic scoring and enter automatic approval process for client by above information check with the front end customer information typing subsystem received;
(3) examine subsystem end approving person fast and judge that rule of thumb the artificial treatment case is refusal or pre-approval; Fast the hair fastener subsystem judges that with the approving person application information of the automatic pre-approval of pre-approval and system transmits bank's backstage hair fastener subsystem automatically;
(4) bank's hair fastener subsystem is received and is examined the pre-approval customer information that subsystem is transmitted fast, sends to the client during the automatic generation fabrication information of same checked by application and successfully applies for note, comprises several and fabrication key behind the card number in the note;
(5) personnel of client's forward end customer information typing subsystem provide note and fabrication key, and the personnel of front end customer information typing subsystem import above information, the fabrication immediately of fabrication control system;
2. method of examining credit card fast according to claim 1 is characterized in that, described step (1) is further comprising the steps of:
(a) front end customer information typing subsystem reads customer's identity card information automatically and carries out the inspection of ID (identity number) card information check bit, and this inspection also comprises steroid test;
(b) if ID (identity number) card information is 18 a identification card number, 18 identification card numbers of typing and 15 identification card numbers in the banking data base are compared automatically, and 15 identification card numbers in the banking data base are upgraded to 18 identification card numbers;
(c) gather customer name, sex, address, identification card number, I.D. term of validity information automatically according to ID (identity number) card information and adopt client's dictated information, the personnel of bank input and print application form and provide the client to sign.
3. method of examining credit card fast according to claim 2 is characterized in that, described step (2) is further comprising the steps of:
(d) examine subsystem fast and call one or more external datas in reference, social security, public security, regional reference, the blacklist automatically, and automatically with the information of said external data parsing for contrasting;
Whether (e) examine subsystem fast and receive customer information, the calorimeter of marking is automatically calculated, provide follow-up and ratify and what foundation of credit line.
4. method of examining credit card fast according to claim 3, it is characterized in that, bank's hair fastener subsystem is received after examining subsystem fast transmits next pre-approval customer information in the described step (4) also needs to repeat application inspection, by after checking, send to the client when generating the fabrication information of same automatically and successfully apply for note.
5. method of examining credit card fast according to claim 3 is characterized in that, also comprises following substep in the described step (2):
(A) judge whether user profile is complete, then enter next step, otherwise failure information is as a result examined in the transmission of forward end customer information typing subsystem as if complete;
(B) judge whether the user belongs to the user in the comparative information, then do not enter next step, otherwise failure information is as a result examined in the transmission of forward end customer information typing subsystem if do not belong to;
(C) whether the credit scoring of judging the user is being ratified on the line, if then enter next step on the approval line, otherwise failure information is as a result examined in the transmission of forward end customer information typing subsystem;
(D) forward end customer information typing subsystem sends and examines successful information as a result.
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201110219090XA CN102254289A (en) | 2011-08-02 | 2011-08-02 | Fast credit card approving method |
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| CN201110219090XA CN102254289A (en) | 2011-08-02 | 2011-08-02 | Fast credit card approving method |
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| CN102254289A true CN102254289A (en) | 2011-11-23 |
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Cited By (15)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104200384A (en) * | 2014-08-18 | 2014-12-10 | 中国建设银行股份有限公司 | Information processing system and information processing method for online application of jumbo aging |
| CN105719104A (en) * | 2016-05-03 | 2016-06-29 | 陈包容 | Method and device for intelligent approval |
| CN106599224A (en) * | 2016-05-31 | 2017-04-26 | 深圳前海大数金融服务有限公司 | Credit information report query method and system |
| CN106651567A (en) * | 2016-12-26 | 2017-05-10 | 中国建设银行股份有限公司 | Credit card application approval method and system |
| CN107408268A (en) * | 2015-01-28 | 2017-11-28 | 环联公司 | For retrieve and handle credit data with carry out concentrate examination system and method |
| CN107767020A (en) * | 2017-09-11 | 2018-03-06 | 深圳市买买提乐购金融服务有限公司 | Data processing method and data processing equipment |
| CN107798596A (en) * | 2017-07-26 | 2018-03-13 | 平安科技（深圳）有限公司 | Credit card fabrication method, apparatus, computer equipment and readable storage medium storing program for executing |
| CN108460643A (en) * | 2017-02-20 | 2018-08-28 | 平安科技（深圳）有限公司 | Customer information processing method and processing device |
| CN108470019A (en) * | 2017-02-20 | 2018-08-31 | 平安科技（深圳）有限公司 | Group insurance warrantee's information listing maintenance and system |
| CN109255747A (en) * | 2018-09-12 | 2019-01-22 | 福建南威软件有限公司 | A kind of intelligent checks method that information is declared |
| CN109446772A (en) * | 2018-09-03 | 2019-03-08 | 平安国际融资租赁有限公司 | Accrediting amount calculation method, device, computer equipment and storage medium |
| CN110072200A (en) * | 2019-04-15 | 2019-07-30 | 中国平安财产保险股份有限公司 | Short message sends processing method, device and the computer equipment of control |
| CN110111193A (en) * | 2019-04-01 | 2019-08-09 | 中国银联股份有限公司 | A kind of method and device of data processing |
| CN110472946A (en) * | 2019-08-19 | 2019-11-19 | 甘肃万华金慧科技股份有限公司 | Parking lot docketing system |
| CN113592633A (en) * | 2021-08-04 | 2021-11-02 | 上海通联金融服务有限公司 | Method for credit card approval and approval business |
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2011
- 2011-08-02 CN CN201110219090XA patent/CN102254289A/en active Pending
Cited By (21)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104200384A (en) * | 2014-08-18 | 2014-12-10 | 中国建设银行股份有限公司 | Information processing system and information processing method for online application of jumbo aging |
| CN107408268A (en) * | 2015-01-28 | 2017-11-28 | 环联公司 | For retrieve and handle credit data with carry out concentrate examination system and method |
| CN105719104A (en) * | 2016-05-03 | 2016-06-29 | 陈包容 | Method and device for intelligent approval |
| CN106599224A (en) * | 2016-05-31 | 2017-04-26 | 深圳前海大数金融服务有限公司 | Credit information report query method and system |
| CN106651567A (en) * | 2016-12-26 | 2017-05-10 | 中国建设银行股份有限公司 | Credit card application approval method and system |
| CN108470019B (en) * | 2017-02-20 | 2021-09-21 | 平安科技（深圳）有限公司 | Group insurance insured person information table maintenance method and system |
| CN108460643B (en) * | 2017-02-20 | 2021-05-11 | 平安科技（深圳）有限公司 | Client information processing method and device |
| CN108460643A (en) * | 2017-02-20 | 2018-08-28 | 平安科技（深圳）有限公司 | Customer information processing method and processing device |
| CN108470019A (en) * | 2017-02-20 | 2018-08-31 | 平安科技（深圳）有限公司 | Group insurance warrantee's information listing maintenance and system |
| WO2019019797A1 (en) * | 2017-07-26 | 2019-01-31 | 平安科技（深圳）有限公司 | Credit card making method and apparatus, computer device and readable storage medium |
| CN107798596A (en) * | 2017-07-26 | 2018-03-13 | 平安科技（深圳）有限公司 | Credit card fabrication method, apparatus, computer equipment and readable storage medium storing program for executing |
| CN107767020A (en) * | 2017-09-11 | 2018-03-06 | 深圳市买买提乐购金融服务有限公司 | Data processing method and data processing equipment |
| CN109446772A (en) * | 2018-09-03 | 2019-03-08 | 平安国际融资租赁有限公司 | Accrediting amount calculation method, device, computer equipment and storage medium |
| CN109255747A (en) * | 2018-09-12 | 2019-01-22 | 福建南威软件有限公司 | A kind of intelligent checks method that information is declared |
| CN110111193A (en) * | 2019-04-01 | 2019-08-09 | 中国银联股份有限公司 | A kind of method and device of data processing |
| CN110111193B (en) * | 2019-04-01 | 2023-03-14 | 中国银联股份有限公司 | Data processing method and device |
| CN110072200A (en) * | 2019-04-15 | 2019-07-30 | 中国平安财产保险股份有限公司 | Short message sends processing method, device and the computer equipment of control |
| CN110072200B (en) * | 2019-04-15 | 2022-03-11 | 中国平安财产保险股份有限公司 | Short message sending control processing method and device and computer equipment |
| CN110472946A (en) * | 2019-08-19 | 2019-11-19 | 甘肃万华金慧科技股份有限公司 | Parking lot docketing system |
| CN113592633A (en) * | 2021-08-04 | 2021-11-02 | 上海通联金融服务有限公司 | Method for credit card approval and approval business |
| CN113592633B (en) * | 2021-08-04 | 2024-03-29 | 上海通联金融服务有限公司 | Method for credit card approval and approval business |
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Application publication date: 20111123 |