System and method for processing consumption credit investigation information

An information processing system and a technology for consuming information, applied in the field of computer network communication, can solve the problems of the collapse of the banking and financial industry and the inability to guarantee the borrower's financing and repayment, and achieve the effects of preventing financial turmoil, avoiding bank credit risks, and promoting administrative justice.

Inactive Publication Date: 2012-07-25
张铁网
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

The existing credit system established under the dual economic relationship has never been able to guarantee the borrower’s realistic financing and step-by-step loan repayment, which has led to the collapse of the banking and financial industry.

Method used

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  • System and method for processing consumption credit investigation information
  • System and method for processing consumption credit investigation information
  • System and method for processing consumption credit investigation information

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Experimental program
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Embodiment Construction

[0034] The method of the present invention will be further described in detail below in conjunction with the accompanying drawings and embodiments of the present invention.

[0035] figure 1 It is a schematic diagram of the information processing system used for consumer credit investigation in the present invention, such as figure 1 As shown, the information processing system mainly includes a consumer credit information processing subsystem 10 , an information terminal 11 and a smart card 12 . in:

[0036] The smart card 12 is divided into two partitions, which respectively store credit information data and consumption information data. The smart card 12 is usually used as a certificate for consumers to swipe their cards for consumption. Described smart card 12 can adopt contact type or contactless IC card to make.

[0037] Described information terminal 11 is used for reading content such as the account information of smart card 12, comprises reading the basic / original c...

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Abstract

The invention discloses a system for processing consumption credit investigation information and a method for processing consumption credit investigation information. The system mainly comprises: a smart card serving as a voucher for bankcard consumption; an information terminal used for reading account information of the smart card and sending the account information to a subsystem for processing consumption credit investigation information, and further used for updating consumption information data in the smart card according to the processing result of the subsystem for processing consumption credit investigation information; and a subsystem for processing consumption credit investigation information, comparing the consumption information data of the smart card obtained by the information terminal with basic consumption information data stored in the subsystem to determine whether a preset risk control threshold is exceeded, and outputting the comparison result to the information terminal if the preset risk control threshold is not exceeded. According to the information processing system and method provided in the present invention, the consumption information is collected and processed objectively in real time.

Description

technical field [0001] The invention relates to computer network communication technology, in particular to an information processing system and method for consumer credit investigation. Background technique [0002] The traditional consumption pattern that exists in the current society is based on the dual consumption constructed by the buyer and the seller (merchant), that is, the consumer-commodity transaction pattern. This transaction mode is an isolated island of information. Due to the lack of access to corresponding information, third parties cannot obtain real consumption information. [0003] The consumption mode of bank cards, including credit cards, is: the transaction mode in which the bank obtains the consumption amount through the POS terminal. The credit system of this model cannot solve many problems such as consumer dishonesty and difficulty in controlling bank credit risks due to information distortion and information asymmetry between consumers and banks....

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02G07G1/12
CPCG06Q40/02
Inventor 张铁网
Owner 张铁网
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