Financial open platform-based traditional financial institution online credit solving method
An open platform and technology of financial institutions, applied in the field of online credit solutions of traditional financial institutions, can solve problems such as direct management and operation, limited scope of offline credit business, etc., to prevent information cross-leakage, high degree of freedom, and flexible management The effect of the configuration
Inactive Publication Date: 2018-08-24
SICHUAN XW BANK CO LTD
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Problems solved by technology
[0005] The purpose of the present invention is: in order to solve the problem that the traditional bank's offline credit business range is limited, but cannot be directly managed and operated when expanding the scale with the help of online banking, the present invention provides a traditional financial institution online credit based on an open financial platform The solution is to use the ability of the online financial open platform and the client form of the WeChat official account to allow each traditional bank to have its own independent products, and to allow traditional banks to directly operate and manage online credit business and products. control advantages
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[0036] In order for those skilled in the art to better understand the invention, the invention will be described in detail below in conjunction with the accompanying drawings and embodiments.
[0037] The invention provides a traditional financial institution online credit solution based on an open financial platform, such as figure 1 shown, including the following steps:
[0038] S1: Bank access to financial open platform;
[0039] S2: The bank configures on the financial open platform and displays the corresponding configuration content on the client;
[0040] S3: The user uses the client to conduct transactions with the bank.
[0041] Such as figure 2 As shown, as a preferred implementation manner, the specific content of S1 is as follows:
[0042] S101: The bank requests the financial open platform to allocate unique identity information;
[0043] S102: The open financial platform confirms the identity of the docking bank according to the unique identity information ...
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The invention discloses a financial open platform-based traditional financial institution online credit solving method and relates to the field of online financial transactions. The method is used forsolving the problems that the offline credit service range of a traditional bank is limited and cannot be directly managed and operated when the scale of the offline credit service range of the traditional bank is expanded by means of an online bank. According to the invention, firstly, the bank is firstly accessed into a financial open platform. After that, the bank is configured in the background of the financial open platform to display the transaction content on a client side. Finally, a user conducts the transaction with the bank on the client side. Based on the method provided in the invention, the huge service range capability and the personalized configuration capability of the financial open platform are achieved. Meanwhile, by means of the client form of a wechat official account, each traditional bank can have own independent products. As a result, the effect of enabling a traditional bank to directly carry out operation and control on online credit business and products can be realized.
Description
technical field [0001] The present invention relates to the field of online financial transactions, in particular to an online credit solution method for traditional financial institutions based on an open financial platform Background technique [0002] The credit business of traditional banks is carried out offline, based on the local promotion of offline outlets, and the face-to-face face-to-face signing mode. On the one hand, it is due to policy restrictions, and on the other hand, it is due to the limitations of traditional banks’ big data risk control capabilities, which makes the traditional The business scope of bank credit business is very limited, and it is impossible to grant credit to Internet users on a large scale. We hope to use the online financial capabilities of these three banks to expand our business radius and reach more financial users. [0003] The existing way of connecting traditional banks with online banks is joint credit lending. As a fund provid...
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IPC IPC(8): G06Q40/02G06Q40/04
CPCG06Q40/04G06Q40/03
Inventor 王月超徐志华张辰西韩晗
Owner SICHUAN XW BANK CO LTD