CN103745401A - Method for realizing remote credit and loan system on mobile terminal - Google Patents
Method for realizing remote credit and loan system on mobile terminal Download PDFInfo
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- CN103745401A CN103745401A CN201310705652.0A CN201310705652A CN103745401A CN 103745401 A CN103745401 A CN 103745401A CN 201310705652 A CN201310705652 A CN 201310705652A CN 103745401 A CN103745401 A CN 103745401A
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Abstract
The invention discloses a method for realizing a remote credit and loan system on a mobile terminal. The system comprises the mobile terminal, a mobile credit and loan business server and a credit and loan business processing server. The method comprises that: the mobile terminal sends a remote credit and loan business request to the mobile credit and loan business server; lender identity verification and cipher text verification are performed on the remote credit and loan business request by the mobile credit and loan business server; after the identity verification and the cipher text verification, a credit and loan request is sent to the credit and loan business processing server; legality verification is performed on the loan request by the credit and loan business processing server; after the verification is passed, credit verification is performed in a credit database according to credit and loan business information; a personal credit report is scheduled and read from the credit database by the credit and loan business processing server, and credit and loan business is handled after passing of the verification; and examination and approval are performed by the credit and loan business processing server, and examination and approval information is sent to the mobile terminal in a cipher text mode to be decoded and reduced to normal information. Loan time efficiency and flexibility are greatly enhanced by the method.
Description
Technical field
The present invention relates to a kind of method that realizes remote credit system on mobile terminal, belong to communication technical field.
Background technology
At present, along with China's business high speed development, emerged in large numbers large quantities of individual operators and entrepreneur, good business environment has promoted the flourish of credit operation (as business such as loan, refund).Along with social progress, individual with enterprise for the demand of turnover of funds, with time increase severely.The appearance of fiduciary loan, has illustrated that people pay attention to credit, and this,, for improving the attention of people to credit, has epoch-making meaning undoubtedly.For an advanced society, the constraining force of credit must significantly improve, to promote the credit of individual and enterprise.
In prior art, the major way of realizing credit operation is: first, prepare sufficient material and consult to financial institution and business personnel, and submit material to by user; Then wait for and examining, approval process approximately needs multiple workaday time, and time delay is longer; Again then, user carries out the formality of the signing grade of loan agreement after examining successfully, and carries out turnover of funds; Finally, user refunds according to the mode of repayment of choosing, and after refund finishes, goes lender to regain the formalities such as mortgage material.
, there is following defect in the existing mode that realizes credit operation:
Handling of credit operation needs user to go to financial institution to handle, and other times can not be handled except handling in business hours section, limited larger; Can not realize and carry out anywhere or anytime handling of credit operation, very flexible.Must, through complicated reference work, not only waste social resource, reduce the timeliness of loan simultaneously.
Summary of the invention
The deficiency existing for prior art, the object of the invention is to provide a kind of method that realizes remote credit system on mobile terminal, has greatly promoted timeliness and the dirigibility of loan.
To achieve these goals, the present invention realizes by the following technical solutions:
A kind of method that realizes remote credit system on mobile terminal of the present invention, system comprises mobile terminal, mobile credit operation server and credit operation processing server;
Method comprises following step:
(1) described mobile terminal sends remote credit service request to mobile credit operation server, carries license application password ARQC ciphertext, credit operation information, individual recognition code PIN ciphertext and digital signature in described remote credit service request;
(2) described mobile credit operation server carries out creditor's authentication and ciphertext checking to described remote credit service request;
(3) described mobile credit operation server, after verifying by authentication and ciphertext, sends credit request to credit operation processing server, carries ARQC ciphertext, PIN ciphertext and credit operation information in described credit request;
(4) described credit operation processing server, when receiving described credit request, carries out legitimate verification to the ARQC ciphertext in described loan requests and PIN ciphertext;
(5) described credit operation processing server, after being verified, carries out credit verification according to described credit operation information to credit database;
(6) described credit operation processing server is had access to personal credit report from credit database, after being verified, handles credit operation;
(7) described credit operation processing server is examined, and examines and whether by all approval information being sent to mobile terminal decoding with encrypted test mode, is reduced into normal information.
Said method can also pass through the GPS positioning function of mobile phone again, further for creditor, carries out status confirmation, to guarantee true identity, simultaneously via mobile phone call loan people appropriation and refund matters, more can carry out underwriter to guarantor's program.
Above-mentioned mobile terminal, sends remote credit service request to mobile credit operation server, carries ARQC ciphertext, credit operation information, PIN ciphertext and digital signature in described remote credit service request.
Above-mentioned mobile credit operation server is verified the digital signature information in described remote credit service request, and after being verified, to credit operation processing server, is sent credit request.
In above-mentioned credit request, carry ARQC ciphertext, PIN ciphertext and credit operation information.
Above-mentioned credit operation processing server is when receiving described credit request, ARQC ciphertext in described loan requests and PIN ciphertext are carried out to legitimate verification, when being verified, according to described credit operation information, bank's primary account number corresponding to credit smart card carried out to corresponding credit operation processing.
Efficiency when the present invention not only can effectively promote individual and provides a loan, also can reach protection personal credit information, and take into account the demand of financial institution's reference simultaneously.The present invention also can propose by mobile phone the demand of loan, also carries out identity validation, compares creditor's status and my signature, to have access to personal credit report simultaneously.In addition, the present invention can be by the Global Positioning System (GPS) of mobile phone, further for creditor's status, confirm, also can pass through the communication signal of mobile phone and the positioning function of Global Positioning System (GPS), facilitate creditor to carry out credit confirmation, and can further guarantee that its person can move freely, without safety worries.
Accompanying drawing explanation
Fig. 1 is credit system frame diagram of the present invention;
Fig. 2 is method workflow diagram of the present invention.
Embodiment
For technological means, creation characteristic that the present invention is realized, reach object and effect is easy to understand, below in conjunction with embodiment, further set forth the present invention.
Referring to Fig. 1 and Fig. 2, the system that realizes remote credit of the present invention, comprises mobile terminal, mobile credit operation server and credit operation processing server.
Method of the present invention is as follows:
(1) mobile terminal sends remote credit service request to mobile credit operation server, carries license application password ARQC ciphertext, credit operation information, individual recognition code PIN ciphertext and digital signature in described credit operation request;
(2) mobile credit operation server carries out creditor's authentication and ciphertext checking to described remote credit service request.
(3) mobile credit operation server, after being verified, sends credit request to credit operation processing server, carries ARQC ciphertext, PIN ciphertext and credit operation information in described credit request;
(4) credit operation processing server, when receiving described credit request, carries out legitimate verification to the ARQC ciphertext in described loan requests and PIN ciphertext.
(5) credit operation processing server, when being verified, carries out credit verification according to described credit operation information to credit database.
(6) credit operation server is had access to personal credit report from credit database, is verified the credit operation approval flow process of laggard line correlation.
(7) credit operation server is examined after examining and whether by all approval information being sent to mobile terminal decoding with encrypted test mode, is reduced into normal information.
Loan administration method in conjunction with mobile communcations system can also be passed through the GPS positioning function of mobile phone again, further for creditor, carries out the confirmation of status, to guarantee true identity.Simultaneously via mobile phone call loan people appropriation and refund matters, more can carry out underwriter to guarantor's program.
More than show and described ultimate principle of the present invention and principal character and advantage of the present invention.The technician of the industry should understand; the present invention is not restricted to the described embodiments; that in above-described embodiment and instructions, describes just illustrates principle of the present invention; without departing from the spirit and scope of the present invention; the present invention also has various changes and modifications, and these changes and improvements all fall in the claimed scope of the invention.The claimed scope of the present invention is defined by appending claims and equivalent thereof.
Claims (6)
1. a method that realizes remote credit system on mobile terminal, is characterized in that, system comprises mobile terminal, mobile credit operation server and credit operation processing server;
Described method comprises following step:
(1) described mobile terminal sends remote credit service request to mobile credit operation server, carries license application password ARQC ciphertext, credit operation information, individual recognition code PIN ciphertext and digital signature in described remote credit service request;
(2) described mobile credit operation server carries out creditor's authentication and ciphertext checking to described remote credit service request;
(3) described mobile credit operation server, after verifying by authentication and ciphertext, sends credit request to credit operation processing server, carries ARQC ciphertext, PIN ciphertext and credit operation information in described credit request;
(4) described credit operation processing server, when receiving described credit request, carries out legitimate verification to the ARQC ciphertext in described loan requests and PIN ciphertext;
(5) described credit operation processing server, after being verified, carries out credit verification according to described credit operation information to credit database;
(6) described credit operation processing server is had access to personal credit report from credit database, after being verified, handles credit operation;
(7) described credit operation processing server is examined, and examines and whether by all approval information being sent to mobile terminal decoding with encrypted test mode, is reduced into normal information.
2. the method that realizes remote credit system on mobile terminal according to claim 1, is characterized in that,
Described method can also be passed through the GPS positioning function of mobile phone again, further for creditor, carries out status confirmation, to guarantee true identity, simultaneously via mobile phone call loan people appropriation and refund matters, more can carry out underwriter to guarantor's program.
3. the method that realizes remote credit system on mobile terminal according to claim 1, is characterized in that,
Described mobile terminal, sends remote credit service request to mobile credit operation server, carries ARQC ciphertext, credit operation information, PIN ciphertext and digital signature in described remote credit service request.
4. the method that realizes remote credit system on mobile terminal according to claim 1, is characterized in that,
Described mobile credit operation server is verified the digital signature information in described remote credit service request, and after being verified, to credit operation processing server, is sent credit request.
5. the method that realizes remote credit system on mobile terminal according to claim 4, is characterized in that,
In described credit request, carry ARQC ciphertext, PIN ciphertext and credit operation information.
6. the method that realizes remote credit system on mobile terminal according to claim 1, is characterized in that,
Described credit operation processing server is when receiving described credit request, ARQC ciphertext in described loan requests and PIN ciphertext are carried out to legitimate verification, when being verified, according to described credit operation information, bank's primary account number corresponding to credit smart card carried out to corresponding credit operation processing.
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| Application Number | Priority Date | Filing Date | Title |
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| CN201310705652.0A CN103745401A (en) | 2013-12-19 | 2013-12-19 | Method for realizing remote credit and loan system on mobile terminal |
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| CN201310705652.0A CN103745401A (en) | 2013-12-19 | 2013-12-19 | Method for realizing remote credit and loan system on mobile terminal |
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Cited By (13)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104102992A (en) * | 2014-06-24 | 2014-10-15 | 用友优普信息技术有限公司 | Business document change control method and business document change control system |
| CN104915885A (en) * | 2015-06-01 | 2015-09-16 | 浪潮通用软件有限公司 | Processing method and device for credit business |
| CN104992367A (en) * | 2015-06-26 | 2015-10-21 | 上海秦苍信息科技有限公司 | Method and system for achieving loan |
| WO2016191923A1 (en) * | 2015-05-29 | 2016-12-08 | 深圳市银信网银科技有限公司 | Online lending method, and data interaction processing method, device and system |
| CN106991339A (en) * | 2017-05-05 | 2017-07-28 | 国信嘉宁数据技术有限公司 | A kind of financial transaction data security method, server, client and system |
| CN107633456A (en) * | 2017-09-30 | 2018-01-26 | 四川民工加网络科技有限公司 | A kind of financial terminal equipment based on rural migrant worker's credit worthiness |
| WO2018050051A1 (en) * | 2016-09-13 | 2018-03-22 | 深圳中兴飞贷金融科技有限公司 | Loan system utilizing mobile app |
| CN107945013A (en) * | 2017-12-22 | 2018-04-20 | 江苏满运软件科技有限公司 | A kind of system and control method of the control of truck man credit risk |
| CN109300044A (en) * | 2018-09-19 | 2019-02-01 | 芜湖海豚信息科技有限公司 | A kind of finance management system |
| CN109313754A (en) * | 2016-06-15 | 2019-02-05 | 万事达卡国际公司 | The system and method paid using alias to the push of benefited party's account |
| CN112613973A (en) * | 2020-12-16 | 2021-04-06 | 中国农业银行股份有限公司顺德分行 | Small program system for parking space loan and method applying small program system |
| TWI741188B (en) * | 2018-06-04 | 2021-10-01 | 王道商業銀行股份有限公司 | Guarantee method and system |
| WO2023279184A1 (en) * | 2021-07-08 | 2023-01-12 | Globetek Holdings, Llc. | System for providing financial loans or implementing guarantees, locking and unlocking method |
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Cited By (16)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104102992A (en) * | 2014-06-24 | 2014-10-15 | 用友优普信息技术有限公司 | Business document change control method and business document change control system |
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| WO2016191923A1 (en) * | 2015-05-29 | 2016-12-08 | 深圳市银信网银科技有限公司 | Online lending method, and data interaction processing method, device and system |
| CN104915885A (en) * | 2015-06-01 | 2015-09-16 | 浪潮通用软件有限公司 | Processing method and device for credit business |
| CN104992367A (en) * | 2015-06-26 | 2015-10-21 | 上海秦苍信息科技有限公司 | Method and system for achieving loan |
| CN109313754A (en) * | 2016-06-15 | 2019-02-05 | 万事达卡国际公司 | The system and method paid using alias to the push of benefited party's account |
| WO2018050051A1 (en) * | 2016-09-13 | 2018-03-22 | 深圳中兴飞贷金融科技有限公司 | Loan system utilizing mobile app |
| GB2564355A (en) * | 2016-09-13 | 2019-01-09 | Shenzhen Zhong Xing Credex Finance Tech Co Ltd | Loan system utilizing mobile app |
| CN106991339A (en) * | 2017-05-05 | 2017-07-28 | 国信嘉宁数据技术有限公司 | A kind of financial transaction data security method, server, client and system |
| CN107633456A (en) * | 2017-09-30 | 2018-01-26 | 四川民工加网络科技有限公司 | A kind of financial terminal equipment based on rural migrant worker's credit worthiness |
| CN107633456B (en) * | 2017-09-30 | 2018-07-27 | 四川民工加网络科技有限公司 | A kind of financial terminal equipment based on rural migrant worker's credit worthiness |
| CN107945013A (en) * | 2017-12-22 | 2018-04-20 | 江苏满运软件科技有限公司 | A kind of system and control method of the control of truck man credit risk |
| TWI741188B (en) * | 2018-06-04 | 2021-10-01 | 王道商業銀行股份有限公司 | Guarantee method and system |
| CN109300044A (en) * | 2018-09-19 | 2019-02-01 | 芜湖海豚信息科技有限公司 | A kind of finance management system |
| CN112613973A (en) * | 2020-12-16 | 2021-04-06 | 中国农业银行股份有限公司顺德分行 | Small program system for parking space loan and method applying small program system |
| WO2023279184A1 (en) * | 2021-07-08 | 2023-01-12 | Globetek Holdings, Llc. | System for providing financial loans or implementing guarantees, locking and unlocking method |
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Application publication date: 20140423 |