Data interactive processing method and device of online transaction system and bank system

Abstract

The invention provides a data interactive processing method of an online transaction system and a bank system. The online transaction system comprises a third-party pavement platform. The method comprises the following steps: the user submits a loan request according to the user transaction price data transferred in the third-party pavement platform; the online transaction system converts the transaction price data into loan warranty information according to the request and sends the loan warranty information to the bank system; the bank system generates the loan information of the user according to the loan warranty information and converts the loan information of the user into the loan of the amount corresponding to the load information to the account of the user, and the account of the user includes the account of the user in the third-party pavement platform or the correlative bank account. The data interactive processing method of an online transaction system and a bank system can satisfy the online load requirement of the user, guarantee the high coupling of the user credit data and the loan data with the processing of the bank system, increase the accuracy of the credit evaluation of the bank and guarantee the interactive real-time performance, and enables the user to obtain better operating experience.

Description

technical field [0001] The invention relates to a data interaction processing technology between multiple systems, in particular to a data interaction processing method for an online transaction system and a bank system and a data interaction processing device for an online transaction system and a bank system. Background technique [0002] In recent years, e-commerce has gradually become the main trend of Internet economic development, and e-commerce applications relying on Internet and other information technologies are currently popularized and developed at an astonishing speed all over the world. In fact, e-commerce is gradually becoming an increasingly important part of the entire social and economic activities. With the popularization and development of e-commerce, people pay more and more attention to whether the traditional business behavior can be reproduced on the Internet. The existing online transactions all belong to the category of multi-user online data intera...

AI Technical Summary

Problems solved by technology

[0012] However, in the above process, the relevant information of the user needs to be provided by the user, the collection process is very complicated, and its authenticity and integrity are difficult to meet the requirements of the banking system evaluation

Moreover, the coupling between these information and the evaluation mechanism of the banking system is relatively low, requiring manual intervention. The banking system needs to formulate different processing and evaluation mechanisms based on the credit data and loan guarantee certificates provided by different users, and the corresponding results are also different. There are no rules at all, for example, for users with the same credit rating and loan guarantee information, their loan amounts are completely different, which affects user experience

In addition, this actual processing method also has the characteristics of too long approval time, which cannot meet the above needs at all.

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