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Quick credit application security verification system and method

A security verification and fast technology, applied in the verification field, can solve existing problems and achieve the effect of guaranteeing credit security, improving effectiveness and reliability

Pending Publication Date: 2021-09-28
上海欧冶金融信息服务股份有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

There will always be some things that cannot be controlled, and there will always be risks

Method used

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  • Quick credit application security verification system and method
  • Quick credit application security verification system and method

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Embodiment Construction

[0018] The technical solutions of the present invention will be further described below in conjunction with the accompanying drawings and embodiments.

[0019] refer to figure 1 , the present invention discloses a fast credit application security verification system, the main flow of which is:

[0020] Step 1: Submit credit application information.

[0021] Enter the basic credit information from the client, the necessary parameters of the basic credit information include the application amount and relevant materials matching the application amount.

[0022] Step 2: Verify customer profile information.

[0023] A data template is preset in the financial database, and the data template includes credit basic information corresponding to different types of credit. The financial database imports customer profile information from the client, compares the data template with the credit application information, thereby judging whether the customer profile information and credit bas...

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PUM

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Abstract

The invention discloses a quick credit application security verification system and method. The method comprises the following steps: submitting credit application information; checking the customer data information; verifying the service survey report information; verifying that the customer data information and the business survey report information accord with customer information; calculating customer rating; calculating a suggested quota; performing risk control auditing calculation; and checking the quota. According to the invention, the risk coefficient in the credit business can be analyzed and calculated through the system, and the calculation result is applied to the credit business, so that the credit safety is guaranteed, and the effectiveness and reliability of credit risk control are improved.

Description

technical field [0001] The present invention relates to a verification method, more specifically, to a security verification system and method for fast credit application. Background technique [0002] Risk control means that risk managers take various measures and methods to eliminate or reduce the various possibilities of risk events, or risk controllers reduce the losses caused by risk events. There will always be things that cannot be controlled, and risks will always exist. Existing technologies will take various measures to reduce the possibility of risk events, or control possible losses within a certain range, so as to avoid unbearable losses when risk events occur. The four basic technical schemes of risk control are: risk avoidance, loss control, risk transfer and risk retention. [0003] Risk management is the core of credit services. With the emergence of various intelligent financial applications, financial technology has greatly promoted the development of cr...

Claims

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Application Information

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IPC IPC(8): G06Q40/02
CPCG06Q40/03
Inventor 陈然杨凌陆宇峰罗锐季勇周纬刘丙申
Owner 上海欧冶金融信息服务股份有限公司
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