CN1680951A - System and method for online user authorization for banks - Google Patents
System and method for online user authorization for banks Download PDFInfo
- Publication number
- CN1680951A CN1680951A CN 200410062600 CN200410062600A CN1680951A CN 1680951 A CN1680951 A CN 1680951A CN 200410062600 CN200410062600 CN 200410062600 CN 200410062600 A CN200410062600 A CN 200410062600A CN 1680951 A CN1680951 A CN 1680951A
- Authority
- CN
- China
- Prior art keywords
- credit
- application
- module
- amount
- user
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
Images
Abstract
A system of granting credit to the client on line by financial enterprise comprises user power distribution and control module, credit application module, credit checking and issuing module, credit approval module, credit extending module, extension period approval module, ceiling return module, return back checking and issuing module, credit inquiry module, credit statistic analysing module and credit prewarning module. The system can be used as control system of credit approval operation within financial enterprises.
Description
Technical field
The present invention relates to the internal control management of financial company, be used for the online authorization system and method for financial company client's credit management.This invention is on to the basis that is provided credit or financing services object (by the credit client) credit risk overall control, and the separate service classification is formulated classification risk control amount; According to the actual establishment of client giving credit being calculated single business risk weight index; Method and systems according to classification risk control amount, single business risk weight index all finance class a whole set of dynamic management of service implementation and automatic controls to the client.The present invention is applicable to that commercial bank or other financial company found Renminbi, foreign exchange, bond, Equity Fund business, and remit and transfer clearing operation, letter of guarantee guarantee business, loan transaction or other credit financing financial business are acted on behalf of in trade/non-trade settlement business.This system can be used as financial company's internal control credit approval operated system, and credit application user is the mechanisms at different levels of financial company; Also can be used as the direct application approval system of client on the net to bank's apply for loan or financing credit.
Background technology
Along with the development of economical globalization tendency and the quickening of the open paces of finance, the further aggravation of financial market competition, the approach of the cooperation between financial company and the client constantly enlarges.Each tame financial company considers from self-growth, develop many new service products, the emphasis of contention is also acted on behalf of the financing type service orientation development of the type service is higher to risk, income is bigger credit underwriting, short fund or other form from the less relatively tradition of risk.As: accepting to provide financing to all kinds of industrial and commercial clients under other financial institution's guarantee situation; Provide financial services such as credit underwriting or direct financing etc. to small-and medium-sized financial institutions or industrial and commercial client.They strive and pull client by providing more financing service or financial product to other financial company or industrial and commercial client, improve the profitability of financial company.
Yet; " risk " and " income " be two twin brothers on very close terms always; financial company's situation is the fast changing market and the environment of cut-throat competition; and market competition will inevitably cause the overexpansion of social credibility; cause the monetary liabilities crisis the most at last; and cause the concuss in whole financial market, and fluctuation international, domestic financial market is inevitable especially.In the face of environment like this; financial company is as the participant in market, if there is not good internal control mechanism, lacks effective monitoring means, the precautionary measures and perfect administrative mechanism are the impacts that is difficult to avoid crisis fast; even may be involved in the mighty torrent of crisis, go on the road of not returning.
At present each tame financial company is in financing credit class business is carried out, and ubiquity: credit mechanism disperses, to lacked the ways and means of credit overall control by credit client or group; Shortage is analyzed all kinds of giving credit Risk rated ratios; Shortage is by the ways and means of the control of the separate service credit of credit client or group management; Shortage is to self overall risk ability to bear and the overall control of business risk distribution and the method and the means of balance; Lack the outstanding problems such as giving credit that efficient, concentrated, unified control method and system support that inner dispersion is carried out.
Summary of the invention
The present invention is directed to the ubiquitous problem in above-mentioned present this area, provide a kind of and can in financial company's giving credit operation process, realize risk selfdiscipline, oneself's control, homeostatic, and the real-time method and system of management automatically.
Fundamental purpose of the present invention is easy and simple to handle can carry out the online authorization method and system to its client for financial company provides a kind of.This method and system can be finished credit application that inner stages mechanism of financial company proposed, credit duration of an exhibition, credit is authorized, amount gives back, give back authorize and credit approval (examine automatically, the first sentence, second trial, three examine ...) wait whole flow process to carry out automatic control and management, finish credit inquiry, credit statistical function, and the numerical value (accrediting amount) that risk exposure quantizes is reflected in the lane database of client's credit management in real time, be System and method for sign, that business development and client's giving credit that risk control is laid equal stress on are managed thereby reach " unified credit centralized management ".
It is the System and method for that inner stages mechanism of financial company carries out the giving credit vertical management according to type of service, job duty that a further object of the present invention is to provide a kind of.This System and method for can be divided the work to come by user definition of the present invention and realized that giving credit is handled role, the pairing credit group of professional team etc. unifies to distribute efficiently control and management at enterprises credit mechanism, personnel's authority, professional post.
Another purpose of the present invention is to provide a kind of makes the managerial personnel of general headquarters of financial company set up the giving credit management flow by the WEB working environment, the tell off task, follow the trail of the state of each giving credit, can allow the business personnel of mechanisms at different levels of enterprise by the suggestion of network and WEB environment exchange again to giving credit, flow down work state information, managerial system of giving credit and method that giving credit is shared.
Further purpose of the present invention is to provide a kind of supvr of allowing that the work of Team Member is had stronger management and control ability, to meet the customer account management infosystem and the method for organizational operation usefulness and project things demand.
The invention provides a kind of customer account management infosystem and method of novel financial company, be applied in the environment of enterprise network or world-wide web, the mode of utilizing powerful B/S framework (Browser/Server) and connecting other databases is set up the solution of client's accrediting amount management.
The invention provides a kind of brand-new financial company's credit service system and method, system can be separately in the inner operation of financial company, and as the management system of financial company's internal control credit approval operation, credit application user is the mechanisms at different levels of financial company; Also can be used as the client on the net directly to the application approval system of bank's application single loan or financing credit, build the bridge of serving at giving credit between financial company and the client.
One of content of the present invention is, system is on the basis of " customer risk analysis " certain client that system produced or the accrediting amount total value control of client group, distribute by the automatic or manual intervention of different credit classifications ground, and can carry out real-time control management automatically by system.
Another content of the present invention is visited apparatus of the present invention for certain user by inside or Internet application, data and background information by access end typing giving credit, system's mechanical check application and check user team identity and authority, and according to automatic judgement such as its authority, identity, class of business credit type, system is according to correlated judgment information, automatically start the giving credit examination and approval procedures that match, by examination and approval procedures and obtain examine after, system reduces automatically by the corresponding accrediting amount of credit mechanism, system sends approval notification, starts the giving credit watchdog routine.
Online authorization of the present invention system can independently exist, and also can be used as a functional subsystem of customer account management infosystem.This functional subsystem comprises that Internet Explorer browser, one build on the customer account management infosystem that can be connected with this browser in the webserver, and the server that is connected with the customer account management infosystem; Wherein, this customer account management infosystem comprises that one is confirmed that system's login user identity makes the status differentiation module of user right with decision; A task attribute of assigning according to business is given role's management and control module and the credit parameter module that certain authority provides management for financial company's internal mechanism obtains the business personnel; And a module group who specifically finishes online authorization flow process of the present invention for the role that works out, comprise that module is authorized in credit application module, credit module in the duration of an exhibition, credit, (first sentence, second trial, three are examined in credit approval ... n examines) module, amount give back module, give back and authorize module, credit enquiry module, credit statistical module and credit early warning module.
Specifically, the invention provides a kind of financial company and carry out the system of online authorization for the client, this system comprises: by enterprise network and the interconnective a plurality of clients of using standard browser that the user interface of GUI is provided as the user of world-wide web; One or more application servers; With a database server, it is characterized in that this system also comprises: user right distributes and control module; Credit application module; Module is authorized in credit; The credit approval module; Credit module in the duration of an exhibition; Amount is given back module; Authorize module with giving back,
Described user right distributes and control module is carried out identity validation for the client user, and distributes corresponding functional modules according to the identity of confirming, gives the processing and the operation of corresponding operating right and the corresponding team of participation;
Described credit application module provides accrediting amount application relevant data typing, data check and submits to described credit to authorize the processing and the operation of waiting to examine formation of module for the user who has this functions of modules authority;
Described credit is authorized module and is waited that for the user who has this functions of modules authority provides for being committed to through described credit application module data check is carried out in the credit application of examining formation, nuclear is criticized/examined and moves back and submit to processing and operation;
Described credit approval module is examined the processing and the operation of approval for the user who has this functions of modules authority provides for authorize the accrediting amount application of submitting to after module nuclear is criticized through described credit;
Described credit module in the duration of an exhibition provides for by credit approval and do not give back processing and the operation that the credit application of the accrediting amount is postponed for the user who has this functions of modules authority;
Authorizing module the described duration of an exhibition carries out data check for the user who is used for this functions of modules authority provides the duration of an exhibition that proposes for the module of postponing through described credit, examines to criticize/examine and move back and submit to processing and operation;
Described amount is given back module the processing and the operation of giving back for the accrediting amount of the credit application correspondence by credit approval is provided for the user who has this functions of modules authority; With
Described giving back authorized module and checked and carry out processing and the operation that the corresponding accrediting amount is given back for the user who is used for this functions of modules authority provides for give back the operation that module gives back through described amount.
Wherein, described credit application module comprises following submodule:
Newly-increased credit application submodule, this submodule is to accept the credit application that user side provides, and the treating apparatus of waiting to examine formation of module is authorized in the described credit that sends it to;
Revise the credit application submodule, this submodule is that the treating apparatus that credit application that module or credit approval module return is made amendment is authorized in credit; With
Deletion credit application submodule, this submodule is the treating apparatus that the credit application is deleted.
Wherein, described credit approval module is examined pattern and credit level of trial according to the automatic coupling of preset parameter in the system.The described pattern of examining is the tupe that automatic credit approval or manual intervention are examined.Described credit level of trial is that credit 1 is examined, and credit 2 is examined ... credit n examines.Wherein, n represents the level number of times of credit approval, and n 〉=1.
Described online authorization system also comprises the credit enquiry module, and described credit enquiry module is that the user who has this functions of modules authority implements to inquire about the treating apparatus of credit application relevant information by the user data control authority.
Described online authorization system also comprises the credit statistical module, and described credit statistical module is the treating apparatus that the user that has this functions of modules authority implements to be undertaken by the user data control authority credit information classification statistics.
Described online authorization system, also comprise credit early warning module, described credit early warning module has exceeded the list information of the mechanism of the accrediting amount for the user who has this functions of modules authority provides by early-warning parameters valve output warning prompt information and the demonstration set in this module.
In addition, the present invention also provides a kind of financial company to carry out the method for online authorization for the client, may further comprise the steps: confirm client user's identity, and distribute corresponding module operation authority and other step of coupling corresponding service operational group according to the identity of confirming, described business operation group is to delimit the specific transactions authority that the user had, and carries out the diacritics that independent data is handled; Accept the relevant data typing of accrediting amount application, data are checked and are sent to the step of waiting to examine formation; Authorize the described credit application of waiting to examine in the formation, data are carried out verification, examined and criticize/examine the step of moving back and being sent to the pending trial batch queue; Examine the step of the credit application in the pending trial batch queue; Change is by the credit approval and the credit application of not giving back, the step that the credit amount of money, credit amortization period are expanded; Step with the accrediting amount of giving back approved.
Described online authorization method also comprises: revise the step that the credit application of being return with the credit approval flow process is authorized in credit.
Described online authorization method also comprises: the step of the credit application of being return with the credit approval flow process is authorized in the deletion credit.
Described online authorization method also comprises: mate the step of examining pattern and credit level of trial automatically according to preset parameter in the system.Wherein, the described pattern of examining is the tupe that automatic credit approval or manual intervention are examined.Described credit level of trial is divided into credit 1 to be examined, and credit 2 is examined ... credit n examines.Wherein, n represents to participate in the number of users and the level of credit approval, and n 〉=1.The step of described credit approval comprises following substep: if participate in examining of certain credit application, then show this credit application details in client; If examine by, then revise the credit state of this credit application, keep electronic signature, and send next stage and examine or finish and examine; Do not pass through if examine, then revise the state of this credit application, keep electronic signature, and return the upper level reexamination or send next stage and examine or enter not give and examine formation according to the intended flow parameter; If with finally examine by after, system reduces client's accrediting amount by actual credit volume.Described actual credit volume production method and step comprise: read that the credit application amount of money is converted into fixedly that coin is not worth, date beginning, credit date of expiry, giving credit kind information are opened in credit; Credit time limit coefficient, giving credit kind and amount of money risk factor are judged in judgement in the coefficient of correspondence table; Be equipped with the actual credit volume that should reduce that above-mentioned coefficient calculations goes out this credit application with the credit application amount of money.
Described step of giving back the accrediting amount of approved comprises following substep: the credit application of having examined is submitted to the request of giving back; Check approval, then revise the credit state of this credit application; With the accrediting amount of this class of service of giving back this mechanism, the amount value of recovery and this credit application approval by after the amount value of reducing consistent.
Described change comprises following substep by the credit approval and the credit application of not giving back: the step that accesses the credit application of the operation of will implementing to postpone in by the credit approval and the credit application of not giving back; Submit to the credit application to postpone and instruct to reach and pass through to examine the duration of an exhibition step of criticizing; Give back the accrediting amount of former credit client's corresponding class of service, the step of the amount value of recovery; Extract original credit request for data, upgrade the step of the credit amount of money and the control of credit date of expiry; Write down the step of original credit request for data and modification data, state; With the step that returns to the online authorization application process.
Described online authorization method also comprises the step of inquiring about the credit application.
Described online authorization method also comprises the step of adding up the credit application.
Described online authorization method also comprises the step of credit early warning.This step comprises following substep: the early warning valve parameter of setting; System monitors each mechanism's amount approved at any time and the credit application of not giving back takies credit total amount situation of change; With when certain mechanism's credit total amount exceeds the early warning valve, point out early warning information also to show the step of the list information of the mechanism that has exceeded the accrediting amount immediately to user side.
Described online authorization method also comprises the step of forcing the credit application.This step also comprises following substep: judge that described credit application wants the client of credit and the step whether the giving credit kind has has appraised and decided the accrediting amount; If do not appraise and decide the corresponding accrediting amount, then point out user side, and special tag is made in this credit, start the step of forcing application; Forcing under the credit application situation, to the access judgement of being undertaken by credit mechanism, prohibit credit prompting relevant information, or the step that continues to force application; According to forcing the corresponding intended flow parameter of credit application to enter the step of credit approval; With
If finally examine by after, start by business/time limit Risk rated ratio and calculate and be converted into fixedly the other value record of coin in the step of the machine account of the credit total charge of this mechanism, this class of service.
Utilize the present invention that the client is carried out the method and system of online authorization, can improve the ability that the accrediting amount to the credit client manages effectively.On the other hand, by the foundation of network environment, allow the operating officer personnel, divide that the administrative staff can both inquire about accordingly by system, statistical work, can promote the credit management work efficiency significantly, thereby promote the benefit and the quality of use of funds; Simultaneously, also effectively reduce risk.
The present invention is by on the basis of setting up extensive information database, use for reference international advanced risk rating experience, adopt inventor and enterprise practical result for many years, fully adopt computing machine to focus on, automatically generate, multiple technologies such as dynamic adjustment are handled means, science, finished expeditiously country-risk and financial client analysis of financial conditions, ability to bear according to each financial company self, asset size, and formulate full amount on the basis of business demand to the risk credit of each client and client group, created financial company to the grade brand-new management mode of credit granting work of client.
The present invention is the management philosophy with " information sharing, unified credit, centralized management ", and supports with efficient, sensitive management method and computer system, has solved inhomogeneity client's the financial analysis and the difficult problem of credit rating aspect; Solved and in-house the credit of client bull has been lacked unified internal control mechanism, produced the problem of excessive credit; Solved the integral body control that lacks client group giving credit, the debt scarce capacity that holds of group customer brings the credit risk problem; The risk in financial company inside that has solved client's financial information, risk rating information, accrediting amount information is shared and self-control and management problem.
The invention provides a kind of financial company operation situation method for supervising of novelty, be applied in the environment of enterprise network and world-wide web, the mode that adopts three-tier architecture (B/S) and connect other database is set up the operating scheme of client's accrediting amount use and management.To professional amount management function, scope and way,, realize that general headquarters control the accrediting amount of its mechanisms at different levels to the client according to financial company inside, reach effective risk control the client traffic contact by amount application, the function of examining and managing.The user uses browser as the using system main tool.
Above-mentioned client's credit administration module comprises a plurality of Browser that use standard provides the client of the user interface of GUI, one or more application server, a database server as the user.Information and data use the HTML standard to be described and layout, and user's input information can use HTMLFORM (can use JavaScript to finish the data validity checking function of client simultaneously).Client is mainly paid close attention to the demonstration of output information and the collection of user's input information, and the explanation of information and data, processing etc. are not all being carried out in client
Online authorization of the present invention system can handle various information flows effectively, reasonably arranges various credit states, has realized the credit management efficiently, neatly with the form of automat, also has the security of height simultaneously:
(1) one side of one embodiment of the present of invention provides omnibearing quota control ability, has reduced financial risks, has strengthened the statistical power to financial company's giving credit simultaneously.
(2) on the other hand, for effectively implementing online amount application, examine and, in system, adopting the mode of task queue to be achieved to the monitoring of whole process according to one embodiment of the present of invention.Formation comprises application queue, authorizes formation in the credit management, first sentence formation, second trial formation, three examine formations; For expression is because which formation is which kind of reason forward to more meticulously, for the disposition and the transfer step of different queue, system has also further segmented the credit state simultaneously.
(3) on the other hand, make full use of the ability of database, realized the control of authority of height, the processing of any one credit administration queue all is subjected to the restriction of authority, business, teller institution where he works level according to one embodiment of the present of invention
(4) on the other hand according to one embodiment of the present of invention, for preventing invalid application, the waste person's of examining time, adopt the mode of local control, for the application of the accrediting amount, need verification, just can enter after authorizing and examine formation.
(5) on the other hand, amount person of authorizing and amount applicant can be customized, and they belong to one-level mechanism or belong to the superior and the subordinate's row relation usually, so invalid application are played the better controlled effect according to one embodiment of the present of invention.
(6) on the other hand according to one embodiment of the present of invention, for, amount is examined process, when realizing, system adopt the quantity of parameters table to control, realize the approval process dynamic adjustable, application approval flow process for the different business classification may be different, and is different for the application approval flow process possibility of the different amount of money, handles different for the application in difference application time limit.
(7) on the other hand according to one embodiment of the present of invention; for some clients; financial company has not has not appraised and decided amount for them in advance in system; but service needed; also can carry out credit application, review operation; can be judged to be pressure credit application automatically for this class credit application system, start other set of parameter table and control, can must compare strictness to this cover parameter setting usually.
Description of drawings
Fig. 1 is online authorization system architecture figure;
Fig. 2 is the online authorization system flowchart;
Fig. 3 is an online authorization system block diagram;
Fig. 4 is an online authorization first sentence process flow diagram;
Fig. 5 is online authorization phylogenetic relationship figure; With
Fig. 6 is that three grades of online authorization are examined the embodiment constitutional diagram.
Embodiment
Figure 5 shows that the graph of a relation of online authorization of the present invention system.As shown in Figure 5, (1) user initiates the grading request in the selected mechanism of client; (2) client is used integrality, legitimacy, the consistance of JavaScript code check user input data; (3) if should request pass through data check, browser uses SSL (Security Socket Layer) agreement with data encryption, is sent to server (WebSphere application server) by http protocol; (4) the WebSphere application server is according to the request of client submission, be forwarded to corresponding process control module (servlet Servlet), and to submitting to requesting users to carry out authentication and Authority Verification, if not by checking, then be forwarded to the corresponding error processing module, return the wrong page, the prompting error code, if by checking, then use factory's creation mode (Factory Pattern) to create corresponding service processing module (Command), for the present invention, the corresponding service processing module is the online authorization system, and changes this flow process 5 over to; (5) after the Command module receives the request of processing, begin the credit application of user's input is handled, this module has adopted JDBC and data source (Data Source) mode and oracle database server to carry out alternately, this mode is the most popular at present, the most stable Java database data decimation pattern.Adopted standard interface JTA (Java Transaction API) to carry out the affairs control of data of database (Synchronize), submission (Commit), rollback (Rollback) synchronously simultaneously.(6) Command modular service processing logic finishes, and return data is encapsulated as the pattern of JavaBean, is submitted to Control Servlet, and returns the result page, the prompting process information.
In the customer account management about the customer risk control section: be divided into customer risk analysis and online authorization.The customer risk analysis comprises setting, the generation accrediting amount and the credit scoring of various grading credit parameters; The credit management is exactly the use and management of amount.Be to strengthen the risk control with the client traffic contact, according to financial company to professional amount management function, scope and way, by amount application, the function of examining and managing, to the accrediting amount of control inner stages mechanism of financial company to the client.
The credit management can be implemented comprehensive, the real-time management of every type amount at all kinds of class clients by the function of system's online authorization amount application.And then foundation is to the ergasia of centralized decision-making, management and the control of the professional credit of customer risk, setting system is implemented the mechanism and the technological means of professional credit, mandate automatically, realization is followed the tracks of and comprehensive monitoring the risk service dynamic, control the risk total amount of total system on the whole to client's time point in office, strive under the most effective prerequisite of controlling risk, to greatest extent development service.
The present invention is described in detail below with reference to the online authorization process flow diagram of Fig. 2 and the online authorization system block diagram of Fig. 3.
1, user right distributes and control module: after confirming user's identity, system can allow this user to use the function of distributing to him.Moreover the corresponding service of the automatic match user of system's meeting is operated group so that delimit the specific transactions authority that this user has, and carries out independently data processing.The process of above-mentioned user and specific transactions authority coupling is meant that the user's formation with identical group mark handles team alone to the credit application of certain class business.This Team Member is by controlling credit application module respectively; Module is authorized in credit; The credit approval module; Credit module in the duration of an exhibition; Authorize module the duration of an exhibition; Amount is given back module; Give back and authorize module; The credit enquiry module; The credit statistical analysis module; Finish with credit early warning module the credit application of certain class business is handled.In other words, same user can be under the jurisdiction of a plurality of team, and the user of same team can have different resume module authorities respectively again.
For example, when system is used for bank's credit keyholed back plate, in mechanisms at different levels of a tame bank, each user has the scope of business of oneself, this scope is determined by head office, the user can not do not the credit application of the scope of business to one's name, can not check, check, postpone, examine, give back not the credit of the scope of business to one's name.
An any operation of credit application all is subjected to the affiliated hierarchical relationship control of strict authority, business and application row.
(1) for handling operation (credit application, credit the duration of an exhibition, amount give back), one's own profession can only be handled the business of one's own profession
(2) check operation (credit is checked, postponed and check, give back and check) for general, one's own profession can be handled the business of one's own profession and all subordinate's row (linchpin belongs to row), but the reviewing officer of head office can only handle the business of one's own profession
(3) for review operation (the credit first sentence, credit second trial, credit three examined), there is the user of this authority generally all to concentrate on head office at present or the department of approval function is arranged, it doesn't matter in this generic operation and user's affiliated branch
(4) inquire about for credit, the non-user of head office can inquire about the credit record of one's own profession and all subordinate's row (linchpin belongs to row), for the user of head office, head office does not have the user of the power of examination and approval (can not do the credit approval operation), can only inquire about the credit record of head office, head office has the user of the power of examination and approval can inquire about the credit record of head office and all subordinate's row (linchpin belongs to row).
2, credit application module: the method for credit application is provided, has finished the function that proposes the credit application according to real time business.Also will file an application for forcing application by this picture.Comprise newly-increased, modification, deletion etc.
(1) newly-increased: the user fills on request, if this credit application belongs to the wholesale credit or belongs to credit mechanism is not is not appraised and decided the accrediting amount, the corresponding information of system prompt then, and requirement provides more detailed giving credit background information, after finishing, all inputs promptly finished the work that application is handled, also this application has been sent to automatically the personnel's that apply for a review formation to be examined simultaneously, waited for that the reviewing officer signs and issues.
(2) revise: if revise the credit application, then after having selected a credit application, the application handler can revise filled in finish but also not to head office's declaration or by credit applications of returning at different levels.The credit application of postponing can only be revised the amount date of expiry and the credit amount of money of this application.
(3) deletion: if deletion credit application after having selected a credit application, is then deleted affirmation to selected credit record.
When the credit application, also to set following parameters: class of service, whether force application, examine pattern, examine the amount of money upper limit, application time limit and credit ratio.
Wherein, class of service is the scope of business of credit application, including but not limited to immediate L/C, L/C at a specified future date, standby L/C, remittance business, letter money business, ticket converge business, collection on documents, factoring business, processing trade, buy in bill, credit card, risk management, letter of guarantee guarantee etc.The concrete value of described class of service places other parameter list, but and Dynamic Maintenance.
Wherein, whether forced to apply for explaining this credit application at mechanism whether distributed professional amount.And, explained the credit application that the present invention not only supports amount, also support the credit application of no amount.When the user selects to force to apply for, indicate that client's no accrediting amount in native system of this request credit application is distributed, so, enter and force the credit requisition procedure.This program can also by native system judge the credit application want the client of credit (for example: other financial institutions) and the giving credit kind whether appraised and decided the accrediting amount, under the situation of not appraising and deciding the corresponding accrediting amount, the prompting user side, and this credit made special tag, start automatically and force the credit application.Forcing under the credit application situation,, award mechanism's letter prompting relevant information as belonging to prohibiting, otherwise continue to force application the access judgement that also will be carried out by the credit client.Continuing under the situation of forcing to apply for, according to forcing the corresponding intended flow parameter of credit application to enter the credit approval program.If finally examine by after, start by business/time limit Risk rated ratio and calculate and be converted into the step of machine account that the fixing coin actual credit volume after not is recorded in the credit total charge of this mechanism, this class of service.
Wherein, the pattern of examining has been explained the highest total number of persons's amount of examining number of times and participation that is suitable in certain class of service.
Wherein, examine the amount of money upper limit when practice, be divided into examine the amount of money upper limit 1, examine the amount of money upper limit 2 ..., examine amount of money upper limit n.Wherein n is the integer greater than.Examine the amount of money upper limit satisfy condition examine the amount of money upper limit 1＜=the examine amount of money upper limit 2＜=...＜=examine amount of money upper limit n.Examine amount of money upper limit n and examine amount of money upper limit n-1 and explained jointly under certain class of service, certain credit application is suitable for the highest number of times of examining, be described as more specifically: when the pattern of examining is n people, the credit application amount of money is when examining amount of money upper limit n and examining amount of money upper limit n-1, and then this credit application must be examined by n people.
Wherein, what a credit application had been explained in application the time limit opened date beginning to the date of expiry time bar, as 1 day to 365 days, 366 days to 732 days etc.
Wherein, the application time limit is associated with the credit coefficient.
Wherein, the relevance of application time limit and credit coefficient further is expressed as: when application time limit of a credit application is in certain scope, the corresponding credit coefficient of this scope, the credit management is calculated the actual credit volume that actual needs is reduced according to this coefficient.The basic mode of the actual credit volume of described calculating is: application amount * credit time limit coefficient.
In addition, system is equipped with corresponding therewith coefficient to the giving credit kind and the credit amount of money, is used to calculate the actual credit amount of money.
Described credit request is described a credit application and how to be produced, the key element that the credit application produces including but not limited to application organization, confirming bank number, class of service, other, the professional amount of money of professional coin, his industry be engaged in numbering, my industry affair numbering, trafficwise, credit classification, credit coin not, the application amount of money, mortgage remaining sum, amount enables date, amount date of expiry, remarks explanation.
3, credit duration of an exhibition module: by this function, can be to carrying out extended operation at the credit date of expiry and the credit amount of money by the credit approval and the credit application of not giving back.
Credit flow process in the duration of an exhibition according to a preferred embodiment of the present invention is as described below:
Enter this page, at first listed the teller that registers and be expert at once and propose and to have obtained head office's approval but do not give back all credit applications.The teller that registers selects the credit application that need postpone and confirms this operation in tabulation.If the duration of an exhibition, number of times exceeded control, then point out this credit application number of times in the duration of an exhibition to reach maximal value, and will not allow the duration of an exhibition.The nuclear batch queue is sent in the credit application of selecting, after nuclear is criticized, the accrediting amount of the corresponding class of service of former credit mechanism is given back by system, recover the amount value, write down original credit request for data and revise data, state, the data extract of original credit application of record is come out, be written into credit application interface again, upgrade the credit amount of money and credit date of expiry and submit to.To this credit application through the duration of an exhibition, it is a new credit application that system treats as it, carries out subsequent operation by normal flow.
4, module is authorized in credit: wait that for being committed to through described credit application module data check is carried out in the credit application of examining formation, nuclear is criticized/examined and moves back and submit to processing.
It is as described below to authorize flow process according to the credit of a preferred embodiment of the present invention:
Head office's processing is checked and is submitted in the credit application of handling proposition.
If agree to authorize certain credit application, then to select this credit application earlier.
If agree this credit application, then select the approval button, send head office.
If disagree with this credit application, then select to disapprove button, return to the credit application and handle processing.
For wholesale giving credit background information, displays background information is carried out necessary special processing.
Description is authorized in described credit, and whether decision continues to report according to the rationality of a credit application.
5, amount is given back module: for the accrediting amount that head office's approved uses, when business processing finishes, use this function and can carry out giving back of amount.
It is as described below to give back flow process according to the amount of a preferred embodiment of the present invention:
Enter this page, at first listed all credit applications that the teller that registers is expert at once and proposes and to have obtained head office's approval.The teller that registers selects (but multiselect) need carry out the credit application that amount is given back in tabulation.After choosing,, then give back button, send into next flow process after the affirmation, give back by authorized user and authorize by application if the credit application of selecting is given back.
6, give back and authorize module: check and carry out the corresponding accrediting amount and give back processing for give back credit application that module gives back through described amount.
It is as described below to authorize flow process according to giving back of a preferred embodiment of the present invention:
Enter this page, at first listed the credit that the teller that registers is expert at and subordinate's row (head office's exception) proposes and given back business.Business is given back in the credit that the teller that registers selects (but multiselect) to check in tabulation.After choosing, authorize button, confirm that the back system revises the credit state of this credit application, give back the accrediting amount of this class of service of this mechanism by giving back, the amount value of recovery and this credit application approval by after the amount value of reducing consistent.
7, credit approval module: the credit application that each row proposes is examined.
This module is examined pattern and credit level of trial according to the automatic coupling of preset parameter in the system.
The tupe that the described pattern of examining can be examined for automatically credit approval or manual intervention.For automatic credit approval tupe, described credit level of trial has only one-level, is finished automatically by system.Examine tupe for manual intervention, described credit approval comprises the credit first sentence, credit second trial ... credit n examines, and wherein, n represents the level number of times of credit approval, and n 〉=1.But, be not that every credit application all can have the highest number of times of examining.At the homepage of credit approval, demonstration be this rank business to be examined.Finish dealing with by this rank, but the business of also not examined by the higher level is then carried out suggestive demonstration by pop-up window.Simultaneously can submit to examine and follow the tracks of this level by the credit application.
Credit i examines (1＜=i＜=n) can view him to handle but the credit application of not examining end.
Credit i examine (in the process of 1＜=i＜=n), this system exceeds ratio according to minute amount of credit category setting, to amount keyholed back plate personnel automatically prompting exceed credit classification, amount, the usage ratio of ratio.
The credit first sentence, credit second trial ... credit n examines when handling the credit application need satisfy following restriction: credit i examines (1＜=i＜=n) want and can carry out credit approval to certain credit application, so should be than the inevitable credit k careful (k is all numbers of 1 to i-1) that passed through of credit application, and examine for this i-1 time consensus is all arranged, promptly or all agree, perhaps all disagree with; When credit i examine disagree with before during i-1 time suggestions made after examination, this credit application is return one and is examined, otherwise that this credit application proceeds to i+1 is careful or reach final conclusion.
Examine the embodiment constitutional diagram for one three grades that Figure 6 shows that online authorization.
Figure 3 shows that online authorization first sentence process flow diagram.With reference to Fig. 3, the credit first sentence method of a specific embodiment of the present invention is as follows:
If participate in examining of certain credit application, then show the details of the relevant application materials of this credit application examining user side;
Show that the credit client's appraises and decides the accrediting amount and present credit condition information;
If change the remarks explanation of this credit application, then remark information is made amendment;
For wholesale giving credit background information, displays background information;
If examine by, then revise the credit state of this credit application, keep electronic signature, and send next stage and examine or finish and examine;
Do not pass through if examine, then revise the state of this credit application, keep electronic signature, and return the upper level reexamination or send next stage and examine or enter not give and examine formation according to the intended flow parameter; With
If finally examine by after, calculate and be converted into fixedly that coin is not worth the accrediting amount of reducing this this class of service of mechanism by business/time limit Risk rated ratio.
8, credit enquiry module: by this function, can no matter whether the application that has proposed be ratified by head office, can check information and approval status that it is detailed here.
Enter this page, can select according to the various credit querying conditions of listing; To retrieve according to the credit application business that condition enactment is expert to the teller that registers and the subordinate goes, and according to condition list credit application tabulation.
Can carry out content to the credit application of this selection shows;
Can the information in the duration of an exhibition of the credit application of this selection be shown; If do not postpone information, then show this giving credit information of not postponing.
9, credit statistical module: by this function, the credit application that can submit to each row is carried out various classification and is gathered and add up, and be output into editable file, for editor, printing.
Enter this page, at first listed every credit statistical condition, can put and get the other side mechanism, I manage it the condition of function keys such as mechanism, trafficwise, geographic range, mechanism's character, credit classification, amount time, credit state input statistical queries, also can click and cancel the querying condition that the condition cancellation has been imported.
The other side mechanism: with client is object, and statistics is to the accrediting amount of its application.The agency that selection will be inquired about, system begins to gather the situation of relevant credit according to selected mechanism.
I manage it mechanism: with my mechanism of manageing it is object, adds up the accrediting amount that it has been applied for.The branch bank that selection will be inquired about, system begins to gather the situation of relevant credit according to selected branch.
Trafficwise: the accrediting amount situation of adding up application according to the giving credit mode.The trafficwise that selection will be added up, system begins to gather the situation of relevant credit according to selected branch.
Geographic range: the giving credit situation that statistics is carried out the agency in certain country or city.Country that selection will be added up or city, system begins to gather the situation of relevant credit according to selected area.
Mechanism's character: the giving credit situation that statistics is carried out the agency of special properties.The character of the mechanism that selection will be added up, the situation that system begins to gather relevant credit according to selected mechanism character.
Credit classification: the giving credit situation of adding up a certain item or a few amount types.Select to want credit classification, the situation that system begins to gather relevant credit according to selected credit classification.
Amount/time: alternative data type has: amount, times two class.Wherein, amount can be set the condition that application amount, the accrediting amount need satisfy and inquires about; After condition enactment is good, the condition increase of setting is advanced in the condition box; Full terms is set and is finished the situation that system begins to gather relevant credit according to selected amount condition.Also can remove the condition of all selections.
Credit state: according to a certain or a few amount user mode statistics giving credit situations.Need to select the state of inquiry, the situation that system begins to gather relevant credit according to selected credit classification.
After input finishes statistical condition, the inquiry result that will list the Query Result that satisfies each condition and satisfy full terms.Choose a certain querying condition, can cancel this condition, so that reset.
Click confirming button, can list the details of final Query Result.
The result who checks out all can be exported in the Excel document.
Clicking gauge outfit can ascending order/descending sort.
10, credit early warning module: by this function, can the mechanism that exceeds the accrediting amount be listed, show to warn.The ratio that exceeds is set in the early-warning parameters of system management.This window is entering the credit management function page, carries out enforceable ejection prompting at the user with this authority.
Described credit early warning module is carried out the following step: the early warning valve parameter of setting; System monitors each mechanism's amount approved at any time and the credit application of not giving back takies credit total amount situation of change; When certain mechanism's credit total amount exceeds the early warning valve, point out early warning information also to show the step of the list information of the mechanism that has exceeded the accrediting amount immediately to user side.
Claims (24)
1, a kind of financial company carries out the system of online authorization for the client, and this system comprises: by enterprise network and the interconnective a plurality of clients of using standard browser that the user interface of GUI is provided as the user of world-wide web; One or more application servers; With a database server, it is characterized in that this system also comprises: user right distributes and control module; Credit application module; Module is authorized in credit; The credit approval module; Credit module in the duration of an exhibition; Authorize module the duration of an exhibition; Amount is given back module; Authorize module with giving back,
Described user right distributes and control module is carried out identity validation for the client user, and distributes corresponding functional modules according to the identity of confirming, gives the processing and the operation of corresponding operating right and the corresponding team of participation;
Described credit application module provides accrediting amount application relevant data typing, data check and submits to described credit to authorize the processing and the operation of waiting to examine formation of module for the user who has this functions of modules authority;
Described credit is authorized module and is waited that for the user who has this functions of modules authority provides for being committed to through described credit application module data check is carried out in the credit application of examining formation, nuclear is criticized/examined and moves back and submit to processing and operation;
Described credit approval module is examined the processing and the operation of approval for the user who has this functions of modules authority provides for authorize the accrediting amount application of submitting to after module nuclear is criticized through described credit;
Described credit module in the duration of an exhibition provides for by credit approval and do not give back processing and the operation that the credit application of the accrediting amount is postponed for the user who has this functions of modules authority;
Authorizing module the described duration of an exhibition carries out data check for the user who has this functions of modules authority provides the duration of an exhibition that proposes for the module of postponing through described credit, examines to criticize/examine and move back and submit to processing and operation;
Described amount is given back module the processing and the operation of giving back for the accrediting amount of the credit application correspondence by credit approval is provided for the user who has this functions of modules authority; With
Described giving back authorized module and checked and carry out processing and the operation that the corresponding accrediting amount is given back for the user who is used for this functions of modules authority provides for give back the operation that module gives back through described amount.
According to the described online authorization of claim 1 system, it is characterized in that 2, described credit application module comprises following submodule:
Newly-increased credit application submodule, this submodule is to accept the credit application that user side provides, and the treating apparatus of waiting to examine formation of module is authorized in the described credit that sends it to;
Revise the credit application submodule, this submodule is that the treating apparatus that credit application that module or credit approval module return is made amendment is authorized in credit; With
Deletion credit application submodule, this submodule is the treating apparatus that the credit application is deleted.
According to the described online authorization of claim 1 system, it is characterized in that 3, described credit approval module is examined pattern and credit level of trial according to the automatic coupling of preset parameter in the system.
According to the described online authorization of claim 3 system, it is characterized in that 4, the described pattern of examining is the tupe that automatic credit approval or manual intervention are examined.
According to the described online authorization of claim 3 system, it is characterized in that 5, described credit level of trial is that credit 1 is examined, credit 2 is examined ... credit n examines.Wherein, n represents the level number of times of credit approval, and n 〉=1.
6, according to the described online authorization of claim 1 system, also comprise the credit enquiry module, described credit enquiry module is that the user who has this functions of modules authority implements to inquire about the treating apparatus of credit application relevant information by the user data control authority.
7, according to the described online authorization of claim 1 system, also comprise the credit statistical module, described credit statistical module is that the user who has this functions of modules authority implements to carry out the treating apparatus that the credit information classification is added up by the user data control authority.
8, according to the described online authorization of claim 1 system, also comprise credit early warning module, described credit early warning module has exceeded the list information of the mechanism of the accrediting amount for the user who has this functions of modules authority provides by early-warning parameters valve output warning prompt information and the demonstration set in this module.
9, a kind of financial company is the method that the client carries out online authorization, may further comprise the steps:
Confirm client user's identity, and distribute corresponding module operation authority and other step of coupling corresponding service operational group according to the identity of confirming, described business operation group is to delimit the specific transactions authority that the user had, and carries out the diacritics that independent data is handled;
Accept the relevant data typing of accrediting amount application, data are checked and are sent to the step of waiting to examine formation;
Authorize the described credit application of waiting to examine in the formation, data are carried out verification, examined and criticize/examine the step of moving back and being sent to the pending trial batch queue;
Examine the step of the credit application in the pending trial batch queue;
Change is by the credit approval and the credit application of not giving back, the step that the credit amount of money, credit amortization period are expanded; With
Give back the step of the accrediting amount of approved.
10, according to the described online authorization method of claim 9, also comprise: revise the step that the credit application of being return with the credit approval flow process is authorized in credit.
11, according to the described online authorization method of claim 9, also comprise: the step of the credit application of being return with the credit approval flow process is authorized in the deletion credit.
12, according to the described online authorization method of claim 9, also comprise: mate the step of examining pattern and credit level of trial automatically according to preset parameter in the system.
According to the described online authorization method of claim 12, it is characterized in that 13, the described pattern of examining is the tupe that automatic credit approval of system or manual intervention are examined.
According to the described online authorization method of claim 12, it is characterized in that 14, described credit level of trial is divided into credit 1 to be examined, credit 2 is examined ... credit n examines, and wherein, n represents to participate in the number of users and the level of credit approval, and n 〉=1.
15, according to the described online authorization method of claim 14, it is characterized in that the step of described credit approval comprises following substep:
If participate in examining of certain credit application, then show the details of the relevant application materials of this credit application examining user side;
Show that the credit client's appraises and decides the accrediting amount and present credit behaviour in service information;
If examine by, then revise the credit state of this credit application, keep electronic signature, and send next stage and examine or finish and examine;
Do not pass through if examine, then revise the state of this credit application, keep electronic signature, and return the upper level reexamination or send next stage and examine or enter not give and examine formation according to the intended flow parameter; With
If finally examine by after, system reduces client's accrediting amount by actual credit volume.
According to the described online authorization method of claim 15, it is characterized in that 16, the step of described actual credit volume production method comprises:
Read that the credit application amount of money is converted into fixedly that coin is not worth, date beginning, credit date of expiry, giving credit kind information are opened in credit;
In the coefficient of correspondence table, extract credit time limit coefficient, giving credit kind and amount of money risk factor based on above-mentioned information; With
Be equipped with the actual credit volume that should reduce that above-mentioned coefficient calculations goes out this credit application with the credit application amount of money.
17, according to the described online authorization method of claim 9, it is characterized in that: described step of giving back the accrediting amount of approved comprises following substep:
The credit application of having examined is submitted to the request of giving back;
Check approval, then revise the credit state of this credit application; With
Give back the accrediting amount of this class of service of this mechanism, the amount value of recovery is consistent by the number of back actual credit volume of being reduced with this credit application approval.
According to the described online authorization method of claim 9, it is characterized in that 18, described change comprises following substep by the credit approval and the credit application of not giving back:
In by the credit approval and the credit application of not giving back, access the step of the credit application of the operation of will implementing to postpone;
Submit to the credit application to postpone and instruct to reach and pass through to examine the duration of an exhibition step of criticizing;
Give back the accrediting amount of the corresponding class of service of former credit mechanism, the step of the amount value of recovery;
Extract original credit request for data, upgrade the step of the credit amount of money and the control of credit date of expiry;
Write down the step of original credit request for data and modification data, state; With
Return to the step of online authorization application process.
19,, also comprise the step of inquiry credit application according to the described online authorization method of claim 9.
20,, also comprise the step of statistics credit application according to the described online authorization method of claim 9.
21,, also comprise the step of credit early warning according to the described online authorization method of claim 9.
22, according to the described online authorization method of claim 21, it is characterized in that the step of described credit early warning comprises following substep:
The early warning valve parameter of setting;
System monitors each mechanism's amount approved at any time and the credit application of not giving back takies credit total amount situation of change;
When certain mechanism's credit total amount exceeds the early warning valve, point out early warning information also to show the step of the list information of the mechanism that has exceeded the accrediting amount immediately to user side.
23,, also comprise the step of forcing the credit application according to the described online authorization method of claim 9.
According to the described online authorization method of claim 9, it is characterized in that 24, the step of described pressure credit application also comprises following substep:
Judge that described credit application wants the client of credit and the step whether the giving credit kind has has appraised and decided the accrediting amount;
If do not appraise and decide the corresponding accrediting amount, then point out user side, and special tag is made in this credit, start the step of forcing application;
Forcing under the credit application situation,, as pointing out relevant information, or continue to force the step of application for prohibiting the credit client to the access judgement of being undertaken by credit mechanism;
According to forcing the corresponding intended flow parameter of credit application to enter the step of credit approval; With
If finally examine by after, start by business/time limit Risk rated ratio and calculate and be converted into the step of machine account that actual credit volume that fixing coin is not worth is recorded in the credit total charge of this mechanism, this class of service.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN 200410062600 CN1680951A (en) | 2004-07-05 | 2004-07-05 | System and method for online user authorization for banks |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN 200410062600 CN1680951A (en) | 2004-07-05 | 2004-07-05 | System and method for online user authorization for banks |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN1680951A true CN1680951A (en) | 2005-10-12 |
Family
ID=35067538
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN 200410062600 Pending CN1680951A (en) | 2004-07-05 | 2004-07-05 | System and method for online user authorization for banks |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN1680951A (en) |
Cited By (24)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102368321A (en) * | 2011-11-01 | 2012-03-07 | 苏州万戈软件科技有限公司 | Office cost management control method based on office management system supported by short message |
| CN102800018A (en) * | 2012-07-09 | 2012-11-28 | 贵州摇钱树软件开发有限公司 | Credit management system and credit processing method thereof |
| CN103164753A (en) * | 2011-12-08 | 2013-06-19 | 荣成纸业股份有限公司 | Customer transaction data management system |
| CN103793847A (en) * | 2014-03-05 | 2014-05-14 | 南京聪诺信息科技有限公司 | Loan credit extension information inspection achieving method and device |
| CN103810634A (en) * | 2014-03-05 | 2014-05-21 | 南京聪诺信息科技有限公司 | Method and device for realizing checking of loan business information |
| CN103839183A (en) * | 2014-03-19 | 2014-06-04 | 江苏苏大大数据科技有限公司 | Intelligent credit extension method and intelligent credit extension device |
| CN104036367A (en) * | 2014-06-27 | 2014-09-10 | 漳州片仔癀药业股份有限公司 | Intelligent customer credit optimizing processing method based on ERP system |
| WO2014161136A1 (en) * | 2013-04-01 | 2014-10-09 | Qiu Shaoxiong | Intelligent credit granting |
| CN104657895A (en) * | 2015-03-05 | 2015-05-27 | 东汇征信有限公司南京分公司 | Pre-loan and post-loan system for CMS (credit management system) credit information sharing management |
| CN104680324A (en) * | 2015-03-05 | 2015-06-03 | 东汇征信有限公司南京分公司 | CMS credit information sharing management system and method |
| CN104978686A (en) * | 2014-04-09 | 2015-10-14 | 胡庭硕 | Network mutual benefit association method of bank providing limit |
| CN106936832A (en) * | 2017-03-13 | 2017-07-07 | 携程旅游信息技术（上海）有限公司 | The network admittance method and system of enterprise-level |
| CN107093026A (en) * | 2017-04-26 | 2017-08-25 | 北京绿汽科技有限公司 | A kind of auto metal halide lamp platform management system and its management method |
| CN107301601A (en) * | 2017-05-26 | 2017-10-27 | 中企云链（北京）金融信息服务有限公司 | The system and method for supply chain financial platform |
| CN107886299A (en) * | 2017-11-06 | 2018-04-06 | 北京锐安科技有限公司 | A kind of the operation flow measures and procedures for the examination and approval and system |
| CN108830703A (en) * | 2018-06-26 | 2018-11-16 | 上海数据交易中心有限公司 | Amount control system and amount service system |
| CN110516450A (en) * | 2019-07-23 | 2019-11-29 | 平安科技（深圳）有限公司 | Data acquisition authority control method, electronic device and computer readable storage medium |
| CN111160737A (en) * | 2019-12-18 | 2020-05-15 | 东方微银科技(北京)有限公司 | Adaptation method of resource allocation scheme and related equipment |
| CN111428257A (en) * | 2020-03-30 | 2020-07-17 | 北京东方金信科技有限公司 | System and method for opening database metadata through automatic approval |
| CN111951095A (en) * | 2020-08-11 | 2020-11-17 | 中国工商银行股份有限公司 | Credit service processing method and device |
| CN112346886A (en) * | 2020-10-23 | 2021-02-09 | 上海优方信息科技服务股份有限公司 | Transaction data processing method and device, storage medium and server |
| CN113409133A (en) * | 2021-06-25 | 2021-09-17 | 搜易热技术有限公司 | Intelligent credit granting system and method for scientific and medium-sized enterprises |
| CN113450201A (en) * | 2020-03-25 | 2021-09-28 | 上海欧冶金融信息服务股份有限公司 | Rapid credit granting application security verification system and method |
| CN116862661A (en) * | 2023-07-20 | 2023-10-10 | 苏银凯基消费金融有限公司 | Digital credit approval and risk monitoring system based on consumption financial scene |
-
2004
- 2004-07-05 CN CN 200410062600 patent/CN1680951A/en active Pending
Cited By (27)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102368321A (en) * | 2011-11-01 | 2012-03-07 | 苏州万戈软件科技有限公司 | Office cost management control method based on office management system supported by short message |
| CN103164753A (en) * | 2011-12-08 | 2013-06-19 | 荣成纸业股份有限公司 | Customer transaction data management system |
| CN102800018A (en) * | 2012-07-09 | 2012-11-28 | 贵州摇钱树软件开发有限公司 | Credit management system and credit processing method thereof |
| WO2014161136A1 (en) * | 2013-04-01 | 2014-10-09 | Qiu Shaoxiong | Intelligent credit granting |
| CN103793847A (en) * | 2014-03-05 | 2014-05-14 | 南京聪诺信息科技有限公司 | Loan credit extension information inspection achieving method and device |
| CN103810634A (en) * | 2014-03-05 | 2014-05-21 | 南京聪诺信息科技有限公司 | Method and device for realizing checking of loan business information |
| CN103839183A (en) * | 2014-03-19 | 2014-06-04 | 江苏苏大大数据科技有限公司 | Intelligent credit extension method and intelligent credit extension device |
| CN104978686A (en) * | 2014-04-09 | 2015-10-14 | 胡庭硕 | Network mutual benefit association method of bank providing limit |
| CN104036367A (en) * | 2014-06-27 | 2014-09-10 | 漳州片仔癀药业股份有限公司 | Intelligent customer credit optimizing processing method based on ERP system |
| CN104657895A (en) * | 2015-03-05 | 2015-05-27 | 东汇征信有限公司南京分公司 | Pre-loan and post-loan system for CMS (credit management system) credit information sharing management |
| CN104680324A (en) * | 2015-03-05 | 2015-06-03 | 东汇征信有限公司南京分公司 | CMS credit information sharing management system and method |
| CN106936832A (en) * | 2017-03-13 | 2017-07-07 | 携程旅游信息技术（上海）有限公司 | The network admittance method and system of enterprise-level |
| CN107093026A (en) * | 2017-04-26 | 2017-08-25 | 北京绿汽科技有限公司 | A kind of auto metal halide lamp platform management system and its management method |
| CN107301601A (en) * | 2017-05-26 | 2017-10-27 | 中企云链（北京）金融信息服务有限公司 | The system and method for supply chain financial platform |
| CN107886299A (en) * | 2017-11-06 | 2018-04-06 | 北京锐安科技有限公司 | A kind of the operation flow measures and procedures for the examination and approval and system |
| CN108830703A (en) * | 2018-06-26 | 2018-11-16 | 上海数据交易中心有限公司 | Amount control system and amount service system |
| CN110516450A (en) * | 2019-07-23 | 2019-11-29 | 平安科技（深圳）有限公司 | Data acquisition authority control method, electronic device and computer readable storage medium |
| CN111160737A (en) * | 2019-12-18 | 2020-05-15 | 东方微银科技(北京)有限公司 | Adaptation method of resource allocation scheme and related equipment |
| CN113450201A (en) * | 2020-03-25 | 2021-09-28 | 上海欧冶金融信息服务股份有限公司 | Rapid credit granting application security verification system and method |
| CN111428257A (en) * | 2020-03-30 | 2020-07-17 | 北京东方金信科技有限公司 | System and method for opening database metadata through automatic approval |
| CN111428257B (en) * | 2020-03-30 | 2023-09-01 | 北京东方金信科技股份有限公司 | System and method for opening database metadata through automatic approval |
| CN111951095A (en) * | 2020-08-11 | 2020-11-17 | 中国工商银行股份有限公司 | Credit service processing method and device |
| CN111951095B (en) * | 2020-08-11 | 2023-07-25 | 中国工商银行股份有限公司 | Credit service processing method and device |
| CN112346886A (en) * | 2020-10-23 | 2021-02-09 | 上海优方信息科技服务股份有限公司 | Transaction data processing method and device, storage medium and server |
| CN112346886B (en) * | 2020-10-23 | 2021-10-22 | 上海优方信息科技服务股份有限公司 | Transaction data processing method and device, storage medium and server |
| CN113409133A (en) * | 2021-06-25 | 2021-09-17 | 搜易热技术有限公司 | Intelligent credit granting system and method for scientific and medium-sized enterprises |
| CN116862661A (en) * | 2023-07-20 | 2023-10-10 | 苏银凯基消费金融有限公司 | Digital credit approval and risk monitoring system based on consumption financial scene |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN1680951A (en) | System and method for online user authorization for banks | |
| CN101044503A (en) | System and method for compiling information for resolving transactions | |
| CN1860498A (en) | Computer-based transaction system and computer implemented method for transacting services between a service provider and a client | |
| CN1716305A (en) | Loan origination software system for processing mortgage loans over a distributed network | |
| CN106157130A (en) | Business administration application system and software for budget to people | |
| US20040162737A1 (en) | Agreement management system | |
| CN1387657A (en) | Method and apparatus for price setting | |
| CN102005010A (en) | Credit standing database maintenance method based on credit standing management system | |
| CN108109087A (en) | A kind of intellectual property right management and operation system | |
| CN114254846A (en) | Engineering project information management system | |
| Abah et al. | Problems and prospects of e-governance in an emerging state: The Nigerian example | |
| CN102005017A (en) | Client information inquiry method based on credit management system | |
| CN1790414A (en) | Credit data processing method and system | |
| CN1719474A (en) | Data system based on bank information | |
| WO2014161136A1 (en) | Intelligent credit granting | |
| CN1609881A (en) | Use method for the third party telecommunication pressing payment for loan honest management system | |
| CN1635531A (en) | Colleges and universities material bid purchasing system | |
| CN102034206A (en) | Multimode credit management method based on credit line management system | |
| CN102005011A (en) | Line control method based on credit line management system | |
| CN102044046A (en) | Overall line management method based on credit line management system | |
| CN108985666A (en) | Rural collective three provides management system | |
| Berman et al. | A decision model and support system for the optimal design of health information networks | |
| CN1608264A (en) | Rights offering and granting | |
| Dobija et al. | Can board members with foreign experience help to deliver financial reports? | |
| CN101069208A (en) | Transaction accounting payment and classification system and approach |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| C06 | Publication | ||
| PB01 | Publication | ||
| C10 | Entry into substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| C12 | Rejection of a patent application after its publication | ||
| RJ01 | Rejection of invention patent application after publication |
Open date: 20051012 |