CN101226622A - Bank system of web as well as groat fiduciary loan method and system of self-help terminal - Google Patents
Bank system of web as well as groat fiduciary loan method and system of self-help terminal Download PDFInfo
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- CN101226622A CN101226622A CNA200710187862XA CN200710187862A CN101226622A CN 101226622 A CN101226622 A CN 101226622A CN A200710187862X A CNA200710187862X A CN A200710187862XA CN 200710187862 A CN200710187862 A CN 200710187862A CN 101226622 A CN101226622 A CN 101226622A
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Abstract
Then invention provides an internet banking system and a petty credit loan method and system of self-service terminals. Which comprises of inserting the internet banking system of the bank and the loan service function module of the self-service terminals in a petty credit loan module, after being examined and verified, the client who obtains petty credit loan value signs the account of the bank account bond with the loan in the internet banking system, then the client can receive, return and inquire the petty credit loan via the internet banking system and the self-service terminals. The internet banking system and the petty credit loan method and system of self-service terminals of the invention can simplify the loan giving flow, increase work efficiency, and facilitate operation for the user, which initiates novel channel and method of loan service of bank.
Description
Background technology
At present, it generally is that the client handles to bank that domestic bank handles loan transaction, fills in relevant form application.The client need in person to bank handle loan application, receive and give back, flow process is complicated, client's needs repeatedly be handled to bank, time-consuming, efficient is lower.If mode that can be by electronic channel to the doorstep for client's amount of offering loans, can make things convenient for the client by the lending officer greatly, save the time that the client runs bank.Simultaneously, the client gets, gives back and inquire about by what bank system of web and self-aided terminal can be provided a loan at any time, both has been very easy to the client, has saved the cost of labor of bank again.The micro-credit method of bank system of web of the present invention and self-aided terminal can be simplified the dispensing flow path of loan, increases work efficiency, and the new channel and the method for bank loan business have been started in user friendly operation.
Summary of the invention
The invention provides the micro-credit method of a kind of bank system of web and self-aided terminal, in the loan transaction functional module of the bank system of web of bank and self-aided terminal, embed the micro-credit module, after the credit department of process bank examines and appraises and decides, obtain the client of micro-credit amount, will with the bank card account of loan binding described bank system of web carry out account signatory after, can carry out getting, give back and inquiring about of micro-credit by bank system of web and self-aided terminal.
Foundation micro-credit method of the present invention is characterized in that also having only need once examining to be appraised and decided, and just can get later loan and repayment of bank loans function at any time in loan limit.
It is characterized in that also having the function that the maintenance with loan limit realizes by bank system of web according to micro-credit method of the present invention.
The present invention also provides the micro-credit system of above-mentioned any one method of a kind of use.
Description of drawings
Fig. 1 is network topology structure figure of the present invention;
Fig. 2 is a server disposition scheme block diagram of the present invention;
Fig. 3 is a bank system of web cut-away view of the present invention.
Embodiment
Referring to Fig. 1, the application server of portal website and bank system of web, database server are deployed on two 550 servers simultaneously, the application server of next station server operation portal website of generalized case and bank system of web, the database server of other station server operation portal website and bank system of web, if break down, then the responsibility of two-server is exchanged, be former be used as application server 550 as database server, former 550 servers of database server that are used as are as application server.
Bank system of web cut-away view referring to Fig. 2, bank system of web is system's realization that the traditional bank business is extended and expanded at the internet channel, described system mainly realizes inquiry, the account transfer as individual/enterprise account, bill payment, pay out wages, and group of enterprises service, individual wealth account, function such as business finance is logical.
The related system of described bank system of web comprises core banking system, large-amount payment system, small amount payment system, intermediate business platform system, SMS platform system, fasystem, Mail system and CFCA system etc.
On the one hand, bank system of web is a canalization, and it accepts the client requests from Internet, and visits each perimeter systems according to the characteristics of concrete transaction request.On the other hand, the NetBank2001 operation platform that bank system of web relied on is again a back-up system platform by all kinds of means, it can support simultaneously the request of system such as mobile phone, phone, cabinet plane system, ATM or terminal device except can supporting the client requests from Internet.In the total system operating structure, bank system of web playing the part of request initiator and service side (as bank system of web open an account, certificate application etc.) dual role.
Embed the micro-credit module on the net in the loan transaction functional module of banking system and self-aided terminal, the management method of " once appraising and deciding; with using; remaining sum control; turnover is used " according to micro-credit with loan, credit department through bank examines, obtain the client of micro-credit amount, will with the bank card account of loan binding bank's bank system of web carry out account signatory after, can carry out getting, give back and inquiring about of micro-credit by bank system of web and self-aided terminal.This method also has only need once examine to be appraised and decided, and just can get later loan and repayment of bank loans function at any time in loan limit.
Method of the present invention also has the function that the maintenance of loan limit is realized by bank system of web, the lending officer can accept the customer lending application at any time to the doorstep, audit loan data, and the channel by bank system of web and self-aided terminal is client's amount of offering loans, greatly facilitate the client, saved time that the client runs bank.The client handles micro-credit by the channel of bank system of web and self-aided terminal, the client also can carry out getting, give back and inquiring about of micro-credit by bank system of web and self-aided terminal, thereby can reduce cabinet face workload effectively, reduce the manually-operated cost.Therefore, the client can stay indoors and just finish relevant loan transaction, is very easy to the client, has opened up the approach of loan transaction.
Passed through by special embodiment content description the present invention above, but those skilled in the art also can recognize the multiple possibility of modification and optional embodiment, for example, by making up and/or change the feature of single embodiment.Therefore, be understandable that these modification and optional embodiment will be considered as included among the present invention, only enclosed patent claims of scope of the present invention and coordinator restriction thereof.
Claims (4)
1. the micro-credit method of bank system of web and self-aided terminal, it is characterized in that in the loan transaction functional module of the bank system of web of bank and self-aided terminal, embedding the micro-credit module, after the credit department of process bank examines and appraises and decides, obtain the client of micro-credit amount, will with the bank card account of loan binding described bank system of web carry out account signatory after, can carry out getting, give back and inquiring about of micro-credit by bank system of web and self-aided terminal.
2. the method for claim 1 is characterized in that also having only need once examining and appraises and decides, and just can get later loan and repayment of bank loans function at any time in loan limit.
3. as the arbitrary described method of claim 1-2, it is characterized in that also having the function that the maintenance with loan limit realizes by bank system of web.
4. micro-credit system that uses any one method among the claim 1-3.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA200710187862XA CN101226622A (en) | 2007-11-15 | 2007-11-15 | Bank system of web as well as groat fiduciary loan method and system of self-help terminal |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA200710187862XA CN101226622A (en) | 2007-11-15 | 2007-11-15 | Bank system of web as well as groat fiduciary loan method and system of self-help terminal |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN101226622A true CN101226622A (en) | 2008-07-23 |
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ID=39858603
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CNA200710187862XA Pending CN101226622A (en) | 2007-11-15 | 2007-11-15 | Bank system of web as well as groat fiduciary loan method and system of self-help terminal |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN101226622A (en) |
Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103150672A (en) * | 2013-04-09 | 2013-06-12 | 长沙钢为网络科技有限公司 | Bank quick credit granting system and method |
| CN103400294A (en) * | 2008-11-26 | 2013-11-20 | 斯玛特哈伯私人有限公司 | Credit provision system and method |
| CN107945014A (en) * | 2018-01-09 | 2018-04-20 | 安徽润谷网络科技有限公司 | One kind is based on LAOP platform small amount personal loan systems |
| CN112348517A (en) * | 2020-09-25 | 2021-02-09 | 北京淇瑀信息科技有限公司 | Financial account association method and device and electronic equipment |
-
2007
- 2007-11-15 CN CNA200710187862XA patent/CN101226622A/en active Pending
Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103400294A (en) * | 2008-11-26 | 2013-11-20 | 斯玛特哈伯私人有限公司 | Credit provision system and method |
| CN103400294B (en) * | 2008-11-26 | 2017-05-24 | 电子创新控股私人有限公司 | Credit provision system and method |
| CN103150672A (en) * | 2013-04-09 | 2013-06-12 | 长沙钢为网络科技有限公司 | Bank quick credit granting system and method |
| CN107945014A (en) * | 2018-01-09 | 2018-04-20 | 安徽润谷网络科技有限公司 | One kind is based on LAOP platform small amount personal loan systems |
| CN112348517A (en) * | 2020-09-25 | 2021-02-09 | 北京淇瑀信息科技有限公司 | Financial account association method and device and electronic equipment |
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Open date: 20080723 |