CN106651434A - Membership financial service management system - Google Patents
Membership financial service management system Download PDFInfo
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- CN106651434A CN106651434A CN201610946532.3A CN201610946532A CN106651434A CN 106651434 A CN106651434 A CN 106651434A CN 201610946532 A CN201610946532 A CN 201610946532A CN 106651434 A CN106651434 A CN 106651434A
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- Prior art keywords
- module
- credit card
- application
- loan
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/02—Marketing; Price estimation or determination; Fundraising
- G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
- G06Q30/0214—Referral reward systems
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/02—Marketing; Price estimation or determination; Fundraising
- G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
- G06Q30/0208—Trade or exchange of goods or services in exchange for incentives or rewards
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
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- Marketing (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
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- Game Theory and Decision Science (AREA)
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- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
Provided is a membership financial service management system. The system comprises a data processing platform and a mobile client APP. The mobile client APP comprises a member management module, a transaction module and a client service module. The data processing platform comprises an information management module, a loan audit module, a credit card audit module, a risk assessment module and a safety module. The member management module comprises a user register module, a personal account management module and a third-party payment platform. The transaction module comprises a credit card application module, a loan application module, a network mall, a personal data management module and a friend module. The provided membership financial service management system can carry out credit card application or loan application through an individual membership method; and compared with an existing application method, a client does not need to fill in complex application documents. The system has the advantages of being fast, efficient and safe; system credits can exchange real objects in the network mall; and deposit withdrawal can be realized equivalently through a membership card instead of a bank card to meet personal fund demand.
Description
Technical field
The present invention relates to credit card is handled and financial service technical field, and in particular to a kind of member system financial service management
System.
Background technology
Recently as the personal credit of the fast development of China's economy, China's consumer finance credit industry and credit setup
Score evaluation services have obtained flourishing at a high speed, and personal credit's industry and individual credit risk evaluation services industry are with huge
Market potential and higher prospective earnings become financial market competition focus, each financial institution using development consumptive loan as
The important component part of development strategy, and the principal risk that bank faces in business process is exactly credit risk.However, at present
Domestic financial institution is such to the approval process that personal consumption is provided a loan：Loan application people to bank propose loan application after,
Lending officer can give and score according to the unified personal credit grade form formulated to the credit standing of loan application people, work as loaning bill
The credit scoring of applicant is reached after certain score value, and loan application people is only possible to go through to be provided a loan.And, finance debt-credit neck
In domain, the main large and medium-sized enterprise of debt-credit object of each big banking structure, for small business and the service item phase of ordinary people
To less, also there is the problems such as restrictive condition is more, and formality is complicated, audit time is long in only project；When borrowing or lending money to friends and family,
Existing causes loaning bill number little because of questions of one's reputation, and gathering is difficult, the problems such as interest cannot determine；.
At present, credit card has goed deep into the every aspect of people's life, in order to improve the convenience that client handles credit card, respectively
The portal website of big bank both provides credit card online application business.Although this avoids client and must handle to bank in person
Trouble, it is same comparatively laborious however it is necessary that client fills in online substantial amounts of information material.
Therefore, for the problems referred to above, the present invention proposes a kind of new technical scheme.
The content of the invention
It is an object of the invention to provide a kind of acceptance carrys out the registration and application of automatic mobile platform user, it is safe and reliable, simplified
Workflow, improves efficiency, meets the member system financial service management system of individual bankroll demand.
The present invention is achieved through the following technical solutions：
A kind of member system financial service management system, the system includes data processing platform (DPP) and mobile client APP, the shifting
Dynamic client APP includes member management module, transaction modules and customer service module；
The data processing platform (DPP) includes information management module, loan auditing module, credit card auditing module, risk evaluation module
And security module；
Described information management module is used for managing user information and merchant information；
The loan auditing module is used for the examination ＆ verification to loan application information, confirms and reply；
The credit card auditing module is used for the examination ＆ verification to credit card application information, confirms and reply；
The risk evaluation module is used for the examination to loan application people and credit card application people's information, assessment, and examines with loan
Core module and credit card auditing module are engaged；
The security module is used to protect the safety of personal information and Transaction Information；
The member management module includes user registration module, personal account management module and Third-party payment platform；
The transaction modules include that credit card application module, loan application module, network shopping mall, personal data management module are become reconciled
Friendly module.
Further, the credit card application module and loan application module have several different credit card application
Module and loan application submodule are constituted.
Further, the personal account management module includes member's integration module, member's integration module and network
Store, credit card application module, loan application module and user registration module are engaged.
Further, the user registration module is used for Accreditation System member, and system can generate membership number, the membership number
Also it is recommendation code, the recommendation code is used to recommend kith and kin to be registered as system member.
Further, the Third-party payment platform includes wechat payment, barcode scanning payment, network card sweeping, Baidu's wallet
Pay, QQ pays.
Further, the personal data management module includes credit card application information, loan application information and network provider
City Transaction Information.
Further, the integration in member's integration module can exchange physical goods on network shopping mall or directly convert
It is existing.
The invention has the beneficial effects as follows：Member system financial services system proposed by the present invention, can pass through individual member's
Method carries out credit card application or loan application, compares existing application method, it is not necessary to which client fills in the application materials of complexity,
The system have the advantages that it is quick, efficient and safe, meanwhile, by recommend kith and kin registration obtain integration, integration can system business
Exchange in kind is carried out on city, the covert bank card of member card is capable of achieving and is withdrawn deposit, meet individual bankroll demand.
Description of the drawings
Fig. 1 is the structural representation of the present invention；
Fig. 2 is the structural representation of data processing platform (DPP) in Fig. 1；
Fig. 3 is the structural representation of member management module in Fig. 1；
Fig. 4 is the structural representation of transaction modules in Fig. 1.
Wherein：S1, data processing platform (DPP), S2, mobile client APP, S11, information management module, S12, loan examination ＆ verification mould
Block, S13, credit card auditing module, S14, risk evaluation module, S15, security module, S21, member management module, S22, transaction
Module, S23, customer service module, S211, user registration module, S212, personal account management module, S213, Third-party payment
Platform, S221, credit card application module, S222, loan application module, S223, network shopping mall, S224, personal data management mould
Block, S225, good friend's module, S100, member's integration module.
Specific embodiment
Illustrate below in conjunction with the accompanying drawings to be described further the present invention.
As shown in Fig. 1 ~ 4, a kind of member system financial service management system, system includes data processing platform (DPP) S1 and mobile visitor
Family end APP S2, mobile client APP S2 includes member management module S21, transaction modules S22 and customer service module S23；
Data processing platform (DPP) includes that information management module S11, loan auditing module S12, credit card auditing module S13, risk are commented
Estimate module S14 and security module S15；
Information management module S11 is used for managing user information and merchant information；
Loan auditing module S12 is used for the examination ＆ verification to loan application information, confirms and reply；
Credit card auditing module S13 is used for the examination ＆ verification to credit card application information, confirms and reply；
Risk evaluation module S14 is used for the examination to loan application people and credit card application people's information, assessment, and audits with loan
Module and credit card auditing module are engaged；
Security module S15 is used to protect the safety of personal information and Transaction Information；
Member management module S21 includes user registration module S211, personal account management module S212 and Third-party payment platform
S213；
Transaction modules S22 include credit card application module S221, loan application module S222, network shopping mall S223, personal data
Management module S224 and good friend's module S225.
In the present embodiment, credit card application module S221 and loan application module S222 have several different credits
Card application submodule and loan application submodule are constituted.
In the present embodiment, personal account management module S212 includes member's integration module S100, member's integration module
S100 and network shopping mall S223, credit card application module S221, loan application module S222 and user registration module S211 match
Close.
In the present embodiment, user registration module S211 is used for Accreditation System member, and system can generate membership number, membership number
Also to recommend code, code is recommended to be used to recommend kith and kin to be registered as system member.
In the present embodiment, Third-party payment platform S213 includes wechat payment, barcode scanning payment, network card sweeping, Baidu's money
Bag pays, QQ pays.
In the present embodiment, personal data management module S224 includes credit card application information, loan application information and net
Network store Transaction Information.
In the present embodiment, the integration in member's integration module S100 can exchange physical goods or direct on network shopping mall
Cash.
In the present embodiment, the system and banking system cooperation, each bank provides credit card and leads to the network application of loan
Road is docked with the system, and system is attracted clients by website, wechat, each platforms of APP and is registered as the system member, and member can receive
To a powerful member card, with regard to the service of grade, after client addition member, system can give birth to for different brackets member enjoyment
It is again to recommend code, member that kith and kin can be recommended to be registered as platform member with recommendation code after member into membership number, promoting member can
Reward on total mark is obtained, integration proceeds to member card, and integration can exchange physical goods on platform network store or directly cash.This is flat
Platform is cooperated with Duo Jia trade companies, and client can go to cooperation trade company to consume and enjoy discount with member's integration with member card, and be capable of achieving meeting
The covert bank card of member's card is withdrawn deposit.
In the present embodiment, loan and credit card application, after member has supplemented detailed personal information, can be the letter liked
Shopping cart batch is added to confirm application with card or loan project, it is not necessary to which client fills in again the application materials of complexity, data processing
Platform can be received after application information, audited, confirmed, then operation application credit card or corresponding loan.
Member system financial services system proposed by the present invention, can by the method for individual member carry out credit card application or
Loan application, compares existing application method, it is not necessary to which client fills in the application materials of complexity, and the system has quick, efficient
With the advantage of safety, meanwhile, by recommend kith and kin registration obtain integration, integration can carry out exchange in kind on the store of system, can
Realize that the covert bank card of member card is withdrawn deposit, meet individual bankroll demand.
The preferred embodiments of the present invention are the foregoing is only, the present invention is not limited to, for the skill of this area
For art personnel, the present invention can have various modifications and variations.It is all within the spirit and principles in the present invention, made any repair
Change, equivalent, improvement etc., should be included within the scope of the present invention.
Claims (7)
1. a kind of member system financial service management system, it is characterised in that：The system includes data processing platform (DPP) and mobile visitor
Family end APP, the mobile client APP include member management module, transaction modules and customer service module；
The data processing platform (DPP) includes information management module, loan auditing module, credit card auditing module, risk evaluation module
And security module；
Described information management module is used for managing user information and merchant information；
The loan auditing module is used for the examination ＆ verification to loan application information, confirms and reply；
The credit card auditing module is used for the examination ＆ verification to credit card application information, confirms and reply；
The risk evaluation module is used for the examination to loan application people and credit card application people's information, assessment, and examines with loan
Core module and credit card auditing module are engaged；
The security module is used to protect the safety of personal information and Transaction Information；
The member management module includes user registration module, personal account management module and Third-party payment platform；
The transaction modules include that credit card application module, loan application module, network shopping mall, personal data management module are become reconciled
Friendly module.
2. a kind of member system financial service management system according to claim 1, it is characterised in that：The credit card application mould
Block and loan application module have several different credit card application submodules and loan application submodule to constitute.
3. a kind of member system financial service management system according to claim 1, it is characterised in that：The personal account management
Module includes member's integration module, member's integration module and network shopping mall, credit card application module, loan application module and
User registration module is engaged.
4. a kind of member system financial service management system according to claim 1, it is characterised in that：The user registration module
For Accreditation System member, system can generate membership number, and the membership number is also recommendation code, and the recommendation code is used to recommend kith and kin
It is registered as system member.
5. a kind of member system financial service management system according to claim 1, it is characterised in that：The Third-party payment is put down
Platform includes that wechat payment, barcode scanning payment, network card sweeping, Baidu's wallet payment, QQ pay.
6. a kind of member system financial service management system according to claim 1, it is characterised in that：The personal data management
Module includes credit card application information, loan application information and network shopping mall Transaction Information.
7. a kind of member system financial service management system according to claim 1, it is characterised in that：Member's integration module
On integration physical goods can be exchanged on network shopping mall or directly be cashed.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610946532.3A CN106651434A (en) | 2016-11-02 | 2016-11-02 | Membership financial service management system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610946532.3A CN106651434A (en) | 2016-11-02 | 2016-11-02 | Membership financial service management system |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN106651434A true CN106651434A (en) | 2017-05-10 |
Family
ID=58821201
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201610946532.3A Pending CN106651434A (en) | 2016-11-02 | 2016-11-02 | Membership financial service management system |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN106651434A (en) |
Cited By (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN108280758A (en) * | 2017-12-27 | 2018-07-13 | 随小龙 | A kind of zero monthly mortgage integrated service system of purchase vehicle and business model |
| CN108288184A (en) * | 2018-02-10 | 2018-07-17 | 张宇 | Integrate exchanging method, terminal and the computer readable storage medium of service |
| CN108416667A (en) * | 2018-02-10 | 2018-08-17 | 张宇 | Loaning bill method, terminal and computer readable storage medium |
| CN108460676A (en) * | 2018-02-10 | 2018-08-28 | 张宇 | Borrow or lend money implementation method, terminal and the computer readable storage medium of service |
| CN108510386A (en) * | 2018-04-04 | 2018-09-07 | 北京全亚信息服务有限公司 | A kind of network loan system, method, terminal and medium |
| CN111179058A (en) * | 2019-12-24 | 2020-05-19 | 天阳宏业科技股份有限公司 | Credit card and consumption loan service integrated management system and method |
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| CN103236022A (en) * | 2013-04-26 | 2013-08-07 | 孔庆发 | Online trading-based online credit method and data processing system |
| KR20160023029A (en) * | 2014-08-20 | 2016-03-03 | 주식회사 비즈모델라인 | Method for Processing Emergency Loan for Cashable Card Approval Cancellation |
| CN105469302A (en) * | 2015-12-09 | 2016-04-06 | 上海信联商贸发展有限公司 | Internet of things annular smart financial service system and method |
| CN105512935A (en) * | 2015-12-01 | 2016-04-20 | 郑东东 | Borrowing and lending system based on mobile terminal |
| CN105550889A (en) * | 2016-02-15 | 2016-05-04 | 重庆昇鑫科技有限公司 | Intelligent business district finance management system based on internet of things |
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Patent Citations (5)
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| CN103236022A (en) * | 2013-04-26 | 2013-08-07 | 孔庆发 | Online trading-based online credit method and data processing system |
| KR20160023029A (en) * | 2014-08-20 | 2016-03-03 | 주식회사 비즈모델라인 | Method for Processing Emergency Loan for Cashable Card Approval Cancellation |
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Cited By (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN108280758A (en) * | 2017-12-27 | 2018-07-13 | 随小龙 | A kind of zero monthly mortgage integrated service system of purchase vehicle and business model |
| CN108288184A (en) * | 2018-02-10 | 2018-07-17 | 张宇 | Integrate exchanging method, terminal and the computer readable storage medium of service |
| CN108416667A (en) * | 2018-02-10 | 2018-08-17 | 张宇 | Loaning bill method, terminal and computer readable storage medium |
| CN108460676A (en) * | 2018-02-10 | 2018-08-28 | 张宇 | Borrow or lend money implementation method, terminal and the computer readable storage medium of service |
| CN108510386A (en) * | 2018-04-04 | 2018-09-07 | 北京全亚信息服务有限公司 | A kind of network loan system, method, terminal and medium |
| CN111179058A (en) * | 2019-12-24 | 2020-05-19 | 天阳宏业科技股份有限公司 | Credit card and consumption loan service integrated management system and method |
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Application publication date: 20170510 |
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