Business data processing system

A technology of business data and data, applied in the electronic field, can solve problems such as long time-consuming, low efficiency, and large loan risks

Inactive Publication Date: 2016-09-21
CHINA CONSTRUCTION BANK
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  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

The problem with the current lending qualification approval method is that manual review and judgment is required based on the flow and reports, which takes a long time, is inefficient, and takes up manpower; in addition, the flow and reports provided by users may be falsified, that is, the application materials Not objective and credible enough, which may cause greater lending risk

Method used

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Embodiment Construction

[0064] 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 creative efforts fall within the protection scope of the present invention.

[0065] figure 1 It is a schematic structural diagram of a business data processing system in an embodiment of the present invention. This system can be a user terminal or a software program running on a user terminal. The user terminal can include a mobile phone, a notebook computer, a tablet computer, a vehicle-mounted computer, a POS ( Point Of Sales, point of sale) machines, etc. As shown in the figure, the system includes at least:

[0066] The application ac...

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Abstract

The embodiment of the invention provides a business data processing system, the system comprises an application acceptance module, an application evaluation module and a post-lending processing module, and a serious of business data processing relevant processes of receiving business data application on line, acquiring and judging if user evaluation data suiting user evaluation conditions, passing and processing business data applications which are suitable for the user evaluation conditions, monitoring various data of individual / enterprise applicants, sending warning information and triggering a fund risk compensation mechanism are completed. In the above processes, the user evaluation data and the monitoring data are from a third party data system with public trust or a home terminal system, so that objective applicant data can be acquired without list and statement. Otherwise, the later risk can be effectively controlled through the monitoring of applicant monitoring data by the post-lending processing module and introducing a fund risk compensation mechanism, and whole online operation processes including acceptance, evaluation, processing, monitoring and risk controlling of the business data are realized.

Description

technical field [0001] The invention relates to the field of electronic technology, in particular to a business data processing system. Background technique [0002] At present, when a user handles a mortgage loan business at a bank, in addition to providing collateral certificates, he also needs to provide the statement of the user's company, the bank account settlement flow, and the user's personal bank account settlement flow, etc., and then according to the statements of these enterprises and individuals or Flow data, through the review of bank staff and judge whether the user and his company are eligible for borrowing. The problem with the current lending qualification approval method is that manual review and judgment is required based on the flow and reports, which takes a long time, is inefficient, and takes up manpower; in addition, the flow and reports provided by users may be falsified, that is, the application materials Not objective and credible enough, which m...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q10/10G06Q40/02
CPCG06Q10/103G06Q40/03
Inventor 王业赵芝然李忠东刘英华尹小雄丁勇刚
Owner CHINA CONSTRUCTION BANK
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