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Credit card granting system and method

A credit card and card making technology, applied in the field of credit cards, can solve the problems of low card making efficiency and poor security, and achieve the effects of slow sending speed, improved distribution efficiency, and avoiding the risk of loss

Inactive Publication Date: 2015-01-28
CHINA CONSTRUCTION BANK
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0005] In view of this, the present invention provides a credit card system and method to solve the technical problems of low card making efficiency and poor security caused by traditional card issuing methods

Method used

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  • Credit card granting system and method
  • Credit card granting system and method
  • Credit card granting system and method

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Embodiment Construction

[0039] The following will clearly and completely describe the technical solutions in the embodiments of the present invention with reference to the accompanying drawings in the embodiments of the present invention. Obviously, the described embodiments are only some, not all, embodiments of the present invention. Based on the embodiments of the present invention, all other embodiments obtained by persons of ordinary skill in the art without making creative efforts belong to the protection scope of the present invention.

[0040] Bank cards issued by banks include debit cards and credit cards. Among them, a debit card is a savings card, which does not require a credit review and can be processed at the counter of a bank branch; a credit card is a credit card, and the bank needs to conduct a review for users who apply for a credit card. Based on this, each of the following embodiments of the present invention provides a credit card issuing system to realize the automatic verifica...

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Abstract

The application provides a credit card granting system and a credit card granting method. The credit card granting system and the credit card granting method use the internet to transmit a card applying request of a user, reduce user data leakage risk possibly brought by using a paper application form, automatically examine and verify card application information of the user, and send card fabrication information to a self-service terminal by using the internet after the application information passes an audit, and then the self-service terminal uses the card fabrication information to control a card fabrication machine to fabricate a card, and therefore the user can directly obtain the credit card after being completely fabricated on the site of the self-service terminal, and credit card granting efficiency is greatly improved. Additionally, the credit card granting system and the credit card granting method solve the problems that when an existing granting mode is used, the credit card after being completely fabricated is mailed through a post office, sending speed is low and the credit card is possibly lost, and can prevent losing risk of the credit card.

Description

technical field [0001] The invention relates to the technical field of credit cards, in particular to a credit card issuing system and method. Background technique [0002] A credit card is a credit payment tool issued by banking and financial institutions to the society with functions such as consumer credit, transfer settlement, cash deposit and withdrawal. Due to the convenience of carrying and using, it has been accepted by more and more consumers. [0003] Traditionally, the way credit cards are issued is that consumers need to submit a paper application at the counter, and fill in the card information in the application. Many consumers' applications are manually reviewed by the reviewers of the credit card central organization, and each review result is manually transmitted to the card production process personnel, who will uniformly input numerous card production information into the card production equipment In the process, the card production equipment uses the ca...

Claims

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Application Information

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IPC IPC(8): G06K17/00
Inventor 郭敏鸿韩敏仪翁伟东陈坚波
Owner CHINA CONSTRUCTION BANK
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