Credit card credit investigation method and system

Abstract

The invention provides a credit card credit investigation method and system. The method comprises the steps of acquiring credit investigation data of customers to be examined and approved from a data communication system in a local bank and acquiring the credit investigation data of the customers to be examined and approved from an extranet; and a credit card credit investigation unit collects all the acquired credit investigation data, thus credit card examination personnel can conveniently consult the credit investigation data. The system is characterized in that a branch bank comprehensive data management platform and a credit card preliminary examination and approval system which are both connected with a credit card investigation unit in a communication manner, and a head office comprehensive data management platform and a characteristic service platform are both connected with the branch bank comprehensive data management platform in the communication manner; the characteristic service platform is connected with a unionpay server by virtue of a unionpay front-end processor, and the unionpay server is connected with an external system server; and the credit card credit investigation unit is connected with an external system in the communication manner by virtue of the Internet. By adopting the method and the system provided by the invention, the credit card credit investigation efficiency can be obviously improved.

Description

Credit card investigation method and system technical field The invention relates to a method and system for assisting credit investigation of credit cards. technical background Since the Hunan Branch of China Construction Bank issued its first credit card in August 2003, its annual card issuance has doubled. By the end of 2008, it had issued 636,400 cards and had 557,000 customers. After the head office’s credit card processing system (APS) was officially launched in October, the speed of card issuance slowed down suddenly. By the end of March 2009, only 47,400 cards had been issued, and only 12.03% of the annual task had been completed. It is almost impossible for the branch to complete at this speed The main reason for the annual task is that after the entry system is launched, due to the lack of support from scientific and technological means, the business personnel need to manually inquire about the pre-approved customer's credit records, provident fund, deposits, loa...

AI Technical Summary

Problems solved by technology

The data format of the query results of each outreach system is inconsistent, there are many useless information, and it is impossible to provide comprehensive and integrated results, which is difficult for reviewers to use;

The management of each outreach system is cumbersome, and it is necessary to record the login user names and passwords of multiple systems, which takes up a lot of time for login and switching, and increases the workload of operators;

There are many types of outreach systems, manual login page query work statistics workload is large, low efficiency, a large amount of information needs to be manually recorded, or there are many printed materials, which are difficult to keep, serious waste, and prone to errors

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