A multi-channel customized credit card intelligent application system

Abstract

The invention relates to a multi-channel customized credit card intelligent application system, including: an information channel subsystem, which is used to provide customers with card application channels and payment channels, and supports customers to realize electronic contract signatures; a unified customer acquisition platform, used to communicate with information The channel subsystem realizes information interaction, and performs data processing and data monitoring on the credit card business; the internal subsystem is used to store, manage and release the data processed by the unified customer acquisition platform; the dependent subsystem is used to provide unified customer acquisition platform Provide log library, behavior analysis and user fingerprint information collection functions. Compared with the prior art, the present invention has the advantages of abundant business handling channels, flexible customization, low cost of manpower and material resources, strong management ability, and strong scalability.

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...

AI Technical Summary

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 all users.

[0003] As the online application system becomes more and more complex, system monitoring is a difficult problem to solve, and the efficiency of multiple people maintaining a system is very low, the scalability is very poor, the redundancy is serious, and the risk of problems is high

At the same time, in a complex system, the architecture model in which the front and back ends are coupled together can no longer meet the high requirements of user experience, and the code is not maintainable at all over time.

The development of business functions is all concentrated in the background. Developers move closer to the "full stack". They must not only handle background business implementation, but also handle front-end page rendering and front-end and back-end data interaction. Most background development cannot take into account front-end development, resulting in long development cycles. low quality

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