CN114428799A - Mobile phone online loan information retrieval system - Google Patents

Abstract

The invention belongs to the technical field of information retrieval, and provides a mobile phone online loan information retrieval system which comprises a login verification module, a data receiving and transmitting module, a retrieval analysis module and a monitoring module; the login verification module is used for verifying the personal identity of the user before logging in the retrieval system and judging whether the user is a personal operation; the data transceiver module is used for receiving the transmitted information and outputting the result retrieved by the user; the retrieval analysis module is used for retrieving and feeding back the input information and warning the retrieved abnormal condition to a user; the monitoring module is used for detecting the safety of equipment and websites; the method can verify personal information and characteristics by logging in the verification module during login, ensures personal operation, is convenient for a user to operate at any time and any place, also ensures the login safety, and solves the problems that the login environment is unsafe or time and energy are wasted due to the inquiry of a website on a computer or a bank counter.

Description

Mobile phone online loan information retrieval system

technical field

The invention belongs to the technical field of information retrieval, and in particular relates to a mobile phone online loan information retrieval system.

Background technique

Loan is an electronic IOU credit loan, which is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must be repaid. Expanding reproduction requires supplementary funds and promotes economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

Today's loan information is mainly inquired through the website on the computer or by going to the bank counter, and downloading the certificate through the counter. Inquiring through the computer exists that the verification of personal information is not rigorous when logging in, which makes it easy for people with bad intentions to log in. problem; but to go to the bank to inquire about the need to bring all the ID cards to line up, there is a time-consuming problem.

SUMMARY OF THE INVENTION

The purpose of the embodiments of the present invention is to provide a mobile phone online loan information retrieval system, which aims to solve the problem that the loan information is mainly queried through the website on the computer or by going to the bank counter, and the verification of personal information is not rigorous when logging in, which leads to easy to be cheated. Well-intentioned people log in, but when they go to the bank to check, they need to bring their ID cards to line up, which is a time-consuming problem.

The embodiment of the present invention is implemented in this way, a mobile phone online loan information retrieval system, the system includes a login verification module, a data sending and receiving module, a retrieval analysis module and a monitoring module; the login verification module is used to log in to the retrieval system. The personal identity of the user is verified to determine whether it is the operation of the user; the data transceiver module is used to receive the sent information, and output the result retrieved by the user; the retrieval analysis module is used to retrieve and feed back the input information, and Alert the user to the retrieved abnormal situation; the monitoring module is used to detect the security of the device and the website.

Preferably, the login verification module includes:

The personal information collection unit is used to collect the same account number and password as stored in the system, the account number includes mobile phone number or ID number; the password includes digital password, pattern password, personal fingerprint, personal face or mobile phone verification code;

The information comparison unit is used to compare and verify the collected personal information with the information stored in the system. After successful matching, it will enter the retrieval page. If the matching fails, personal information needs to be collected again for comparison;

The lock prompt unit is used to lock the account for a preset period of time when the number of personal information collection exceeds the preset value, and send the abnormal login situation to the bound mobile phone through SMS, and to the system through system information In the dialog box, it is convenient for users to see the time of the last abnormal login after the next login is successful.

Preferably, the data transceiver module includes:

a data receiving unit for receiving the information to be retrieved by the user;

The data output unit is used to output the search result selected by the user through a picture or PDF document with an anti-counterfeiting watermark;

The data storage unit is used to store the information of the historical retrieval and the output retrieval result.

Preferably, the retrieval analysis module includes:

The loan information display unit is used to display the retrieved lending institutions that lend money to individuals, as well as the loan time, total loan amount, period, interest rate, repaid amount, pending repayment, remaining months and repayment at each lending institution Way;

The repayment record display unit is used to display the historical repayment time, repayment amount and deduction method of each institution;

A quota display unit, which is used to display the remaining loanable quota in each lending institution;

The abnormal situation warning unit is used to warn overdue, large-amount loans and suspected non-personal loan situations through the difference of font color or pop-up window. After the ID card number, SMS verification code, fingerprint or face is verified as the person, the abnormal situation will be changed to normal.

Preferably, the abnormal situation warning unit includes:

The overdue information warning sub-unit is used to warn the overdue payment, and after the overdue payment is paid off, the abnormal situation of this item is eliminated;

The large loan warning sub-unit is used to warn the loan exceeding the self-determined amount of money, and after confirming that the amount of money is the self-operated loan, eliminate the abnormal situation of this item;

The suspected non-personal loan warning sub-unit is used to warn the loan amount that lacks part or all of the verification of the person. After the verification of the person, the abnormal situation of this item is eliminated.

1. The mobile phone online loan information retrieval system provided by the embodiment of the present invention can verify personal information and characteristics through the login verification module when logging in, so as to ensure that the operation is performed by the user, which is convenient for users to operate anytime and anywhere, and also ensures the login. It solves the problem that the loan information is mainly inquired through the website on the computer or by going to the bank counter. When logging in, the verification of personal information is not rigorous, which makes it easy for people with bad intentions to log in, but when you go to the bank to inquire, you need to bring There is a time-consuming problem in queuing with all ID cards.

2. The retrieval analysis module provided by the embodiment of the present invention can not only retrieve and feed back the input information, but also alert the user to the retrieved abnormal situation, so that the user can more intuitively grasp the possible abnormality Case.

Description of drawings

1 is a schematic structural diagram of a module in a mobile phone online loan information retrieval system provided by an embodiment of the present invention;

2 is a schematic structural diagram of a unit in a mobile phone online loan information retrieval system provided by an embodiment of the present invention;

FIG. 3 is a schematic structural diagram of a subunit in a mobile phone online loan information retrieval system provided by an embodiment of the present invention.

Detailed ways

In order to make the objectives, technical solutions and advantages of the present invention clearer, the present invention will be further described in detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are only used to explain the present invention, but not to limit the present invention.

The specific implementation of the present invention will be described in detail below with reference to specific embodiments.

As shown in FIG. 1, a mobile phone online loan information retrieval system is provided for an embodiment of the present invention. The system includes a login verification module 100, a data transceiver module 200, a retrieval analysis module 300, and a monitoring module 400; the login The verification module 100 is used to verify the personal identity of the user before logging in to the retrieval system, and determine whether it is the operation of the user; the data transceiver module 200 is used to receive the sent information and output the result retrieved by the user; the retrieval analysis module 300 is used for retrieving and feeding back the input information, and alerting the user to the abnormal situation retrieved; the monitoring module 400 is used for detecting the safety of the equipment and the website, and is used to prevent the risk software existing in the mobile phone from stealing the login information. situation to be detected.

As shown in FIG. 2, as a preferred embodiment of the present invention, the login verification module 100 includes:

The personal information collection unit 110 is used to collect the same account number and password as stored in the system, the account number includes mobile phone number or ID number; the password includes digital password, pattern password, personal fingerprint, personal face or mobile phone verification code ;

The information comparison unit 120 is used to compare and verify the collected personal information with the information stored in the system, and enter the retrieval page after the matching is successful. If the matching fails, the personal information needs to be collected again for comparison;

The locking prompting unit 130 is used to lock the account for a preset period of time (such as 24 hours) when the number of times of personal information collection exceeds a preset value, and send the abnormal login situation to the bound mobile phone through SMS, and through the system The information is sent to the dialogue terminal in the system, so that the user can see the time of the last abnormal login after the next login is successful.

As shown in FIG. 2, as a preferred embodiment of the present invention, the data transceiver module 200 includes:

The data receiving unit 210 is used to receive the information to be retrieved by the user, such as the borrowed institution, the borrowable institution, the repayment record, and the information to be repaid for retrieval;

The data output unit 220 is used for outputting the retrieval result selected by the user through a picture with an anti-counterfeiting watermark or a PDF document as a certificate. print out the search results;

The data storage unit 230 is configured to store the information of the historical retrieval and the output retrieval result, so as to facilitate the next query.

As shown in Figures 2-3, as a preferred embodiment of the present invention, the retrieval and analysis module 300 includes:

The loan information display unit 310 is used to display the retrieved lending institutions that lend money to individuals, as well as the loan time, total loan amount, number of instalments, interest rates, repaid amounts, pending repayments, remaining months and repayments at each lending institution. payment method;

The repayment record display unit 320 is used to display the historical repayment time, repayment amount and deduction method of each institution;

an amount display unit 330, used to display the remaining loanable amount in each lending institution;

The abnormal situation warning unit 340 is used to warn the overdue, large-amount loan and the suspected non-personal loan situation through the difference of font color (such as red and black) or the way of pop-up window, and eliminate the abnormality by the user at the option of the warning After the abnormal situation is changed, and the identity is verified by ID number, SMS verification code, fingerprint or face, the abnormal situation is changed to normal. Under normal conditions, the fonts are all black, and the pop-up box will be hidden.

In a situation of this embodiment, the abnormal situation warning unit 340 includes:

The overdue information warning subunit 341 is used to warn the overdue payment, and after the overdue payment is paid off, the abnormal situation of the item is eliminated;

The large loan warning subunit 342 is used to warn the loan exceeding the self-determined amount of money, and after confirming that the amount of money is the self-operated loan, eliminate the abnormal situation of the item;

The suspected non-personal loan warning sub-unit 343 is used to warn the loan funds that lack partial or full verification of the person. After verification of the person, the abnormal situation of the item is eliminated.

In order to be able to load the above-mentioned system to run smoothly, in addition to the above-mentioned various modules, the system may also include more or less components than those described above, or combine some components, or different components, for example, may include input and output devices, network access devices, buses, processors and memories, etc.

The above descriptions are only preferred embodiments of the present invention and are not intended to limit the present invention. Any modifications, equivalent replacements and improvements made within the spirit and principles of the present invention shall be included in the protection of the present invention. within the range.

Claims (5)

1. An online loan information retrieval system for a mobile phone, the system comprising:

the login authentication module is used for authenticating the personal identity of the user before logging in the retrieval system;

the data transceiver module is used for receiving the transmitted information and outputting the result retrieved by the user;

the retrieval analysis module is used for retrieving and feeding back the input information and warning the retrieved abnormal condition to a user;

and the monitoring module is used for detecting the safety of the equipment and the website.

2. The mobile phone online loan information retrieval system according to claim 1, wherein the login verification module includes:

the personal information collection unit is used for collecting the same account and password as those stored in the system, wherein the account comprises a mobile phone number or an identity card number; the password comprises a digital password, a pattern password, a personal fingerprint, a personal face or a mobile phone verification code;

the information comparison unit is used for comparing and verifying the collected personal information with the information stored in the system, entering a retrieval page after the matching is successful, and collecting the personal information again for comparison when the matching is failed;

and the locking prompting unit is used for locking the account for a preset time length when the number of times of collecting the personal information exceeds a preset value, sending the abnormal login condition to the bound mobile phone through a short message, and sending the abnormal login condition to a conversation end in the system through a system information mode.

3. The mobile phone online loan information retrieval system according to claim 1, wherein the data transceiver module comprises:

the data receiving unit is used for receiving information to be retrieved by a user;

the data output unit is used for outputting the retrieval result selected by the user through the picture with the anti-counterfeiting watermark or the PDF document;

and the data storage unit is used for storing the information of the history search and the output search result.

4. The mobile phone online loan information retrieval system according to claim 1, wherein the retrieval analysis module includes:

a loan information display unit for displaying the retrieved lending institutions for lending to the individual, and loan time, total loan amount, futures, interest rate, amount of money returned, amount of money to be returned, number of remaining months, and payment method at each lending institution;

the repayment record display unit is used for displaying the historical repayment time, the repayment amount and the deduction mode of each mechanism;

the quota display unit is used for displaying the remaining lendable quota in each loan-deposited institution;

and the abnormal condition warning unit is used for warning the conditions of overdue, large loan and suspected non-self-operated loan through font color difference or popup window, and changing the abnormal conditions into normal conditions after the abnormal conditions are eliminated at the warning option by the user and the user is verified as the self through the identity card number, the short message verification code, the fingerprint or the face.

5. The system of claim 4, wherein the abnormal situation warning unit comprises:

the overdue information warning subunit is used for warning overdue money and eliminating the abnormal condition of the overdue money after the overdue money is cleared;

the large loan warning subunit is used for warning the loan exceeding the self-defined amount of money and eliminating the abnormal condition of the loan after confirming that the amount of money is the loan operated by the user;

the suspected non-principal loan warning subunit is used for warning the loan money which lacks part or all of principal verification, and eliminating the abnormal condition of the loan money after the principal verification.

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