An Imperfect Control System for Nine Elements of Personal Customer Information on Mobile Banking

Abstract

The present invention provides an imperfect control system for the nine elements of personal customer information on mobile banking in the field of financial information technology, including a login module for logging into the mobile banking system; a verification request module for querying the nine elements of the electronic banking service platform The main switch sends a verification request of the nine-element information to the customer information system; the nine-element verification module of customer information is used for the customer information system to verify based on the received verification request, and send the verification identification to the electronic banking service platform The configuration module is used for the electronic banking service platform to set the nine-element configuration information based on the received verification ID, and sends the verification ID and the nine-element configuration information to the mobile banking system; the cache module is used for the mobile banking system to receive the verification ID And nine elements to configure information and manage customer information. The invention has the advantages of greatly improving the quality of customer information, enhancing customer experience and reducing the pressure on the customer information system.

Description

technical field [0001] The invention relates to the technical field of financial information, in particular to a nine-element imperfect control system for personal customer information on mobile banking. Background technique [0002] In order to regulate bank and other financial institutions' customer identification, customer identification information and transaction records preservation, maintain financial order, and prevent money laundering and terrorist financing activities, financial institutions shall take continuous customer identification measures during the existence of business relationships with customers. , pay attention to customers' daily business activities and financial transactions, and prompt customers to update information in a timely manner. However, in financial institutions such as banks, the management of customer information in the early stage was relatively scattered, and the construction of customer information system started late, resulting in unev...

AI Technical Summary

Problems solved by technology

However, the traditional method has the following disadvantages: it does not fully consider the channel system such as mobile banking. When querying the nine elements of customer information, on the one hand, the interaction of the banking system is relatively complicated, and customer information needs to be traded online through the electronic banking service platform, ESB ( Enterprise Service Bus (Enterprise Service Bus) system obtains from the customer information system, and if there are abnormal conditions such as timeout or a system crash in the process, it will not only make it impossible for mobile banking to query customer information, but also cannot perform supplementary customer information recording, and more seriously This will lead to the failure of mobile banking to perform normal transactions such as transfers, thereby affecting customer experience; on the other hand, there are a large number of mobile banking users. Inquiry), to determine whether the nine elements of customer information are complete, which puts forward higher requirements and challenges for the performance of the bank's public ESB system and customer information system

[0004] After retrieval, the application date is 2015.12.09, and the Chinese invention patent with the application number CN201510906507.8 discloses a data control system. This patent mainly solves the problem that customer information is scattered and stored in different systems, resulting in the formation of many customer information islands. Customer information Unable to unify, so that customer information is disordered, causing inconvenience to the business management and control of the banking system; the Chinese invention patent with the application date of 2018.10.19 and the application number CN201811222849.8 discloses a method and device for supplementary recording of customer information. This patent mainly solves the problem of field redundancy caused by the customer information system storing all branches' customer supplementary field information; the application date is 2018.05.31, and the Chinese invention patent with application number CN201810547274.0 discloses customer information query methods, devices, Computer equipment and storage media, this patent mainly solves the problem that there are many types of interfaces when querying customer information, and each interface needs to use different query conditions to query, but the customer information obtained from the query is a full amount, resulting in low query efficiency.

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