Personal online credit method, device and equipment for medium and small banks and a medium

A technology for small and medium-sized banks and credit management systems. It is applied in the fields of instruments, finance, and data processing applications. It can solve the problems that online loan platforms are not suitable for small and medium-sized banks, limited funds, and slow start. Effects of direct manipulation

Inactive Publication Date: 2020-07-28
FUJIAN RURAL CREDIT UNION
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

However, regional small and medium-sized banks such as rural commercial banks and city commercial banks often serve rural areas and assume the responsibility of building a financial credit system in rural areas. Due to policy restrictions, they are small in scale and limited in funds. Slow, the existing online lending platforms of large banks are not suitable for small and medium banks

Method used

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  • Personal online credit method, device and equipment for medium and small banks and a medium
  • Personal online credit method, device and equipment for medium and small banks and a medium
  • Personal online credit method, device and equipment for medium and small banks and a medium

Examples

Experimental program
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Effect test

Embodiment 1

[0067] This embodiment provides a personal online credit method for small and medium-sized banks for use in online loan platforms, such as figure 2 Shown, including the following steps:

[0068] S1. Accept the loan application initiated by the borrower. The borrower initiates from the bank channel such as the bank’s mobile banking APP or online banking channel, or according to the cooperation with the third party, such as the specific consumer credit scenario of the e-commerce platform, from the third party The platform’s channel initiates the loan application, and then determines whether the borrower is the person, if it is, proceed to the next step, otherwise, the process is terminated; the method to determine whether the borrower is the person is: face recognition and biometric inspection of the borrower, and Compare the stock photos of the borrower in the bank or the photos of the public security system to determine whether the borrower is himself;

[0069] S2. After providing...

Embodiment 2

[0103] In this embodiment, a personal online credit method for small and medium banks is provided, such as figure 1 with 4 Shown, including steps:

[0104] S1. The bank channel system or third-party cooperation platform accepts the loan application initiated by the borrower, and forwards the application to the online lending platform. The online lending platform determines whether the borrower is himself, if so, proceed to the next step, otherwise terminate the process; determine the loan The method to determine whether the person is the person is to check the borrower's face and live recognition, and compare it with the stock photos of the borrower in the bank or the photos of the public security system to determine whether the borrower is the person;

[0105] S2. After the online lending platform provides the electronic credit investigation authorization letter to the bank channel system or third-party cooperation platform for the borrower to confirm, the online lending platform i...

Embodiment 3

[0113] In this embodiment, a personal online credit device for small and medium banks is provided, such as Figure 5 As shown, the device is an online lending platform, including:

[0114] The receiving module is used to accept the loan application initiated by the borrower and determine whether the borrower is himself, if so, proceed to the next step, otherwise end the process; among them, the borrower is checked for face recognition and living body recognition, and the stock of borrowers in the bank Compare the photo or the photo of the public security system to determine whether the borrower is himself;

[0115] The pre-credit investigation module is used to provide an electronic credit investigation authorization letter for the borrower to confirm, the originator bank's credit investigation information pre-query to obtain key information of the borrower's PBOC credit investigation, if the borrower refuses to confirm, the process ends;

[0116] The review module is used to review ...

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Abstract

The invention provides a personal online credit method, device and equipment for medium and small banks and a medium. The method comprises the following steps: S1, receiving a loan application initiated by a borrower; S2, providing an electronic credit investigation authorization certificate for a borrower to confirm, and enabling an initiator to carry out credit investigation information pre-query; S3, auditing the application of the borrower, and judging whether the borrower is an in-line white list borrower or not according to a white list mechanism; S4, providing an electronic loan contract for a borrower to sign; S5, pushing the electronic loan contract signed by the borrower to a CA signing system to complete CA signing; S6, when the credit management system and the loan accounting system receive an account issuing application of the borrower and complete automatic account issuing, loan transaction is automatically completed; and S7, after successful loaning, carrying out early warning on related risk information inside and outside the bank of the borrower regularly in batches. According to the invention, an online credit function is provided for small and medium-sized banks,and the financial credit environment of rural areas is gradually improved.

Description

Technical field [0001] The present invention relates to the field of computer technology, in particular to a personal online credit method, device, equipment and medium for small and medium banks. Background technique [0002] With the rapid development of Internet finance today, pure online loan services have gradually replaced traditional offline loans. Since 15 years, major commercial banks have successively launched their own online loan products, such as Bank of China E-loan and CCB’s Quick loans, China Merchants Bank's flash loans. State-owned banks and large commercial banks have improved their online loan system and risk control system through their own scale and capital advantages. However, regional small and medium banks, such as rural commercial banks and city commercial banks, often serve rural areas and assume the responsibility of building a financial credit system in rural areas. Due to policy restrictions, their scale is small and funds are limited. Slow, the ex...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02
CPCG06Q40/03
Inventor 章迟马胜蓝王晖阮光荣吴炫耀颜远辉郭超年王桐森
Owner FUJIAN RURAL CREDIT UNION
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