Credit information report query method and system
A query method and technology of a query system, applied in the field of credit report query methods and systems, can solve problems such as long processing time and troublesome processing procedures
Inactive Publication Date: 2017-04-26
深圳大数信科技术有限公司
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Problems solved by technology
The first method requires the lender to go to the counter in person and wait in line for processing. The second method requires logging in again the next day after logging in to the platform to register an account and activate it to obtain the query credit report. Trouble, it takes a long time to process
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[0041] It should be understood that the specific embodiments described here are only used to explain the present invention, not to limit the present invention.
[0042] The present invention provides a credit reporting query method, referring to figure 1 , in the first embodiment of the present invention, the credit report inquiry method includes the following steps:
[0043] Step S100, obtaining the user's application materials, wherein the application materials include bank card information;
[0044] The present invention is used to help users handle the personal credit report inquiry business. During specific execution, the customer can fill in the paper application form, sign it, submit the credit report inquiry application according to the fingerprint, and then use OCR (Optical Character Recognition, optical recognition) Technology and Photography Get user application materials. You can also directly log in to the credit report processing system, read the applicant's ID...
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The invention discloses a credit information report query method and system. The credit information report query method comprises the following steps of obtaining an application material of a user, wherein the application material comprises band card information; according to the bank card information, calling a first server withholding interface to verify the user identity, wherein the first server belongs to a non-financial institution with a third party payment license tag approved by the People's Bank of China; and when the user identity is verified successfully, sending the application material to a second server to allow the second server to return a credit information report of the user after the application material is received. According to the method, the user identity is verified by calling the first server withholding interface, and after the user identity is verified successfully and the application material is fed back to the second server, the credit information report is obtained; and compared with the original credit information report query method, the query method disclosed by the invention accelerates query progress and shortens waiting time.
Description
technical field [0001] The invention relates to the field of financial information, in particular to a credit report query method and system. Background technique [0002] When people apply for loans from financial institutions such as banks, they need to check the lender's personal credit records. At present, there are mainly two ways for individuals to independently inquire about credit reports. The first is that the lender himself goes to the counter of the local People's Bank of China to inquire, and the second is to log in to the official platform of the Credit Information Center of the People's Bank of China. The first method requires the lender to go to the counter in person and wait in line for processing. The second method requires logging in again the next day after logging in to the platform to register an account and activate it to obtain the query credit report. Trouble, it takes a long time to process. Contents of the invention [0003] The main purpose of ...
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IPC IPC(8): G06F17/30G06Q40/02
CPCG06F16/25G06F16/951G06Q40/03
Inventor 蒋治国吴楼
Owner 深圳大数信科技术有限公司