A security-certified cross-regional direct bank alliance transaction method and system

Abstract

The invention provides a security certification type trans-regional direct-selling bank alliance transaction method and system. The system comprises an user information acquiring module, a transaction request module, a handling module positioned on a direct-selling bank alliance platform, an user information verification module for organization members, and a transaction handling module, wherein the user information acquiring module and the transaction request module are arranged on an alliance service platform. According to the system, the members of a financial service organization provide service, so that the services are diversified; the members of each financial product service organization are provided point-to-point security communication protection, and thus the funds security and information security of a user and the end-to-end security can be ensured; each organization provides the security real-name authentication information of the user, so as to ensure the validity of the user information; the direct-selling bank alliance platform serving the regional financial product service organization is built; the security real-name authentication information of the user in each financial product service mechanism is utilized on the premise that the security is ensured to provide the user the wide and secure financial service.

Description

technical field [0001] The present invention relates to a transaction method and system, in particular to a transaction method and system for a cross-regional direct sale bank alliance that has passed safety certification. Background technique [0002] Direct banking is a new type of banking operation mode that emerged in the Internet era. Users mainly obtain banking products and services through remote channels such as computers, emails, mobile phones, and telephones. Since there are no operating costs for outlets, direct banking can provide users with more Competitive deposit and loan prices and lower handling fee rates. Reducing operating costs and giving back to users are the core values ​​of direct banking. [0003] Direct banking was born in economically developed countries such as North America and Europe in the late 1990s. Because its business expansion is not based on physical outlets and physical counters, it has the remarkable characteristics of few institutions,...

AI Technical Summary

Problems solved by technology

[0009] In view of the shortcomings of the prior art described above, the purpose of the present invention is to provide a cross-regional direct banking alliance transaction method and system that has passed security certification, which is used to solve the problem of single business in the direct banking system and the inability to approve users in the prior art. Information and the inability to fully obtain the risk tolerance assessment value of users for online product consumption

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