A multi-channel customized credit card intelligent application system
A credit card and multi-channel technology, applied in data processing applications, instruments, commerce, etc., can solve the problems of long development cycle, inconvenient storage and management of paper documents, and difficult system monitoring, so as to reduce manpower and material costs, convenient and efficient The effect of online card application experience and improvement of supervision ability
Active Publication Date: 2019-02-22
上海浦东发展银行股份有限公司信用卡中心
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Problems solved by technology
[0002] With the rapid development of technology, the credit card application process is also becoming more and more perfect. In order to meet the regulatory compliance requirements and the user's personalized card application requirements, and improve the efficiency of card application, the existing credit card application service adopts the offline or website application mode. The application mode Relatively simple
Some specific channels require due diligence and other functions, and the existing credit card application service cannot realize the function of online signature
Online channel applications require offline signatures to open cards, paper documents are inconvenient to save and manage, and waste manpower and material resources
In addition, the layout of existing credit card cards is fixed. Although there are many types of cards that can be configured, the cards cannot meet the layout needs of
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[0038] The present invention will be described in detail below in conjunction with the accompanying drawings and specific embodiments.
[0039] Such as figure 1 As shown, the present invention relates to a multi-channel customized credit card intelligent application system, including an information channel subsystem, a unified customer acquisition platform, an internal subsystem and a dependent subsystem. The information channel subsystem realizes information interaction with the unified customer acquisition platform; the unified customer acquisition platform is connected with dependent subsystems and internal subsystems respectively.
[0040] The information channel subsystem includes a variety of online card application data sending units and online payment units. The online card application data sending unit includes the bank’s own website, WeChat official account, banking APP, marketing APP, WeChat applet, partners and other channels. It can support the field configuratio...
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The invention relates to a multi-channel customized credit card intelligent application system. The system comprises an information channel subsystem, which is used for providing customers with card handling channel and payment channel, and supporting customers to realize electronic contract signature. A unified guest receiving platform is used for realizing information exchange with the information channel subsystem and carrying out data processing and data monitoring on the credit card business; An internal subsystem for storing, managing and publishing the data processed by the unified guest receiving platform; Dependency subsystem is used to provide log library, behavior analysis and user fingerprint information collection functions for the unified guest platform. Compared with the prior art, the invention has the advantages of rich service handling channels, flexible customization, low human and material resources cost, strong management ability, strong expansibility and the like.
Description
technical field [0001] The invention relates to a credit card intelligent application system, in particular to a multi-channel customized credit card intelligent application system. Background technique [0002] With the rapid development of technology, the credit card application process is also becoming more and more perfect. In order to meet the regulatory compliance requirements and the user's personalized card application requirements, and improve the efficiency of card application, the existing credit card application service adopts the offline or website application mode. The application mode relatively simple. Some specific channels require functions such as due diligence, and the existing credit card application service cannot realize the function of online signature. Online channel applications require offline signatures to open cards, and paper documents are inconvenient to save and manage, wasting manpower and material resources. In addition, the layout of exis...
Claims
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Login to view more IPC IPC(8): G06Q30/06G06Q40/02
CPCG06Q30/0621G06Q40/03
Inventor 李虎魏明丽王刚
Owner 上海浦东发展银行股份有限公司信用卡中心
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