Mobile phone-based loan system

Abstract

The invention discloses a mobile phone-based loan system. With the system, a borrower can borrow money anytime and anywhere, and can borrow money and pay back freely within a given credit limit. The mobile phone-based loan system is installed on a network device which is composed of a mobile phone, a server, a third-party server and a bank server connected by a mobile communication network and the Internet. The mobile phone-based loan system comprises a Feidai mobile phone system APP, a load balance module, a mobile phone service module, an SMS service module, a face scanning module, a unified interface module, a fast calculation module, a check module, a clearing service module, a bank interface module, a third-party service module, and a bank terminal. Customers fill in loan application information via the Feidai mobile phone system APP so as to withdraw money or pay back. Compared with the prior art, with the mobile phone-based loan system, customers can borrow money or pay back on a mobile phone, operation is easy, there is no need to wait in line in a bank outlet, customers can borrow money quickly, there is no repayment deadline, and customers can borrow money and pay back freely within a given credit limit.

Description

technical field [0001] The invention relates to a system for helping users apply for loans, in particular to a system for applying for loans through mobile phone APP operations. Background technique [0002] It is difficult to apply for traditional loans. Lenders need to submit a large amount of paper proof materials to the lending institution, and they can only go to the business outlets on working days. After the application, it takes a long time to wait for approval. Loaning to users, the slow loan speed brings a lot of inconvenience to users and misses a lot of business opportunities. Sometimes lending institutions require users to meet some additional conditions before granting loans to users, such as depositing a certain amount of money in the bank first, or purchasing some financial products, etc., which brings difficulties to users who are already tight on funds. Moreover, traditional loan applications cannot achieve partial withdrawals. The loan amount applied by u...

AI Technical Summary

Problems solved by technology

[0003] Existing technical loans can only be handled at one bank's business outlets. Even if online banking is used, due to the large amount of data and slow speed, it is impossible for the lender to repay the loan anytime, anywhere with multiple banks.

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