Fast credit card approving method

A credit card, fast technology, applied in data processing applications, instruments, finance, etc., can solve problems such as declining customer experience and complexity, and achieve the effects of controllable approval risks, strong pertinence, and improved card issuance efficiency

Inactive Publication Date: 2011-11-23
彭琛
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  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0002] At present, the credit card issuance approval process is relatively complicated, and the complicated credi

Method used

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Example Embodiment

[0026] The present invention will be further described below in conjunction with specific embodiments. It should be understood that these embodiments are only used to illustrate the present invention and not to limit the scope of the present invention. In addition, it should be understood that after reading the teachings of the present invention, those skilled in the art can make various changes or modifications to the present invention, and these equivalent forms also fall within the scope defined by the appended claims of this application.

[0027] The embodiment of the present invention relates to a method for quickly approving credit cards, wherein the front-end customer information entry subsystem includes three parts: ID card automatic identification and ID card information collection automatic collection, customer other information entry, and credit card making control program. The rapid approval subsystem includes: approval process management sub-module, external informat...

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Abstract

The invention relates to a fast credit card approving method which comprises the following steps: a front-end customer information type-in subsystem is used for automatically acquiring the information of an identification card and typing in other information of a customer, and sending the customer information to a fast approving subsystem; the fast approving subsystem is used for receiving the customer information, comparing the customer information with the information, such as credit investigation, social security, public security, blacklist and the like automatically, carrying out gradation and rule determination on the customer information automatically, and returning the rejected approval result to the front-end customer information type-in subsystem automatically; the fast approving subsystem is used for forwarding the pre-approved customer information to a fast card issuing subsystem; the card issuing subsystem is used for opening an account according to the customer information and generating card making information automatically, and sending a successful application short message to the customer; and a bank clerk inputs the content of the short message of the customer at a card making control end, and a system calls the card making information and makes a card. The fast credit card approving method can be used for comparing and grading the customer information automatically, examining and approving the customer information immediately, making the credit card in a shortest time, thereby improving the card issuing efficiency.

Description

technical field [0001] The invention relates to the technical field of bank management systems, in particular to a method for quickly approving credit cards. Background technique [0002] At present, the credit card issuance approval process is relatively complicated, and the complicated credit card approval process will cause a decline in customer experience, so the rapid card issuance system was born. In Europe and North America, where financial products and operating models are relatively developed, the rapid issuance system has been applied in financial institution outlets, chain stores, large-scale commercial activities, exhibition sites and other places to provide customers with debit cards, credit cards (credit cards), prepaid cards, etc. Instant verification and issuance of cards. While improving customer experience, it also increases the market acceptance of its financial products. Contents of the invention [0003] The technical problem to be solved by the pres...

Claims

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Application Information

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IPC IPC(8): G06Q40/00
Inventor 彭琛彭小军王正
Owner 彭琛
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