Internet-based community small and micro financial service system

An Internet community and service system technology, applied in the field of small and micro financial service systems in Internet communities, can solve the problems that the financial services of traditional banks cannot meet the diverse needs of rural residents, so as to improve the credit reporting system, solve information asymmetry, optimize The effect of the financial ecosystem

Inactive Publication Date: 2018-06-15
青岛农村商业银行股份有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

Restricted by the particularity of the rural environment and traditional rural transaction habits, as well as security risks caused by the lack of a rural credit system and information asymmetry, the financial services of traditional banks cannot meet the growing and diverse needs of rural residents

Method used

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  • Internet-based community small and micro financial service system
  • Internet-based community small and micro financial service system
  • Internet-based community small and micro financial service system

Examples

Experimental program
Comparison scheme
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Embodiment Construction

[0030] The present invention will be described in more detail below with reference to the accompanying drawings, but it is not intended to limit the present invention.

[0031] Such as Figure 1-6 As shown, a small and micro financial service system in an Internet community includes an intelligent terminal, an Internet terminal and a bank terminal, and the intelligent terminal is directly connected to the bank terminal through the Internet terminal; the intelligent terminal includes a community financial service module and a rural e-commerce module , agriculture-related commercial and trade circulation module, smart community module and small and micro enterprise service module; the community financial service module includes a cash deposit and withdrawal unit, a transfer remittance unit, a microfinance unit, a payment and recharge unit, and a financial insurance unit; the rural electronic The business module includes an online shopping mall unit, an electronic shelf unit, a p...

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PUM

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Abstract

The invention relates to a financial service system, in particular to an internet-based community small and micro financial service system comprising an intelligent terminal, an internet terminal, anda bank terminal. The intelligent terminal is communicated with the bank terminal through the internet. According to the internet-based community small and micro financial service system based on project experience of many years, the characteristics of low cost and wide coverage of the intelligent terminal and the internet are utilized fully and functions of the internet security measures, mobileterminal applications, internet enterprise applications, and operations analysis are integrated; the system provides integrated services including mobile finance, service links, and security authentication for middle and small-sized enterprises by using payment settlement as the core; and thus the small and micro business customers are assisted in business management, the business support is provided for the small and micro business customers, the business extending need is met, the online and offline integration is realized, so that the enterprises can obtain convenient and personalized financial services to meet user needs.

Description

technical field [0001] The invention relates to a financial service system, in particular to an Internet community small and micro financial service system. Background technique [0002] In recent years, with the development of the new rural economy and the emergence of new forms of transactions, rural residents' demand for financial services has also increased and is showing a trend of diversification. Restricted by the particularity of the rural environment and traditional rural transaction habits, as well as the security risks caused by the lack of rural credit system and information asymmetry, the financial services of traditional banks cannot meet the growing and diverse needs of rural residents. Contents of the invention [0003] In order to solve the deficiencies in the prior art, the present invention provides an Internet community microfinance service system. [0004] Technical scheme of the present invention is: [0005] A small and micro financial service syst...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02
CPCG06Q40/02
Inventor 贾承刚朱光远王丽萍于顺森杨福兴王娟孙利
Owner 青岛农村商业银行股份有限公司
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