Method for enquiring personal credit information, system and personal credit enquiring system

Abstract

The invention provides a method and a system for inquiring personal credit information, and a personal credit inquiring system. A client and the personal inquiring system adopt a mode of asynchronous communication, and process inquiry requests of a plurality of clients synchronously, so as to improve inquiry efficiency, improve performance of the system, and meet requirements of clients. The system for inquiring personal credit information in a personal credit investigation system comprises the plurality of the clients for initiating the inquiry requests to the personal credit inquiring system through calling service of an information middleware of the personal credit inquiring system and ending request processing, and the personal credit inquiring system for receiving the inquiry requests sent by the plurality of the clients, inquiring the personal credit information in the personal credit investigation system according to the inquiry requests, updating a local database according to the inquired personal credit information, and calling the information middleware of the clients to send the inquired personal credit information to the clients.

Description

technical field [0001] The present invention relates to the field of electronic finance, and more specifically, to a method and system for inquiring personal credit information and a personal credit inquiring system. Background technique [0002] In order to improve the ability to prevent credit risks, and to solve the current problems of customer objections and complaints and repeated inquiries about the same customer's credit information, it is necessary to transfer personal credit information from the personal credit information system (such as: the personal credit information basis of the Credit Information Center of the People's Bank of China) Database) The personal credit information returned from the query is kept in the local database of commercial banks (such as: China Construction Bank, Industrial and Commercial Bank of China, Agricultural Bank of China, etc.), and the basic database of personal credit information is established in the head office of the commercial ...

AI Technical Summary

Problems solved by technology

[0004] However, after the client of the prior art initiates the inquiry request, it waits for the personal credit inquiry system to return the credit report, and then the transaction ends.

Since the synchronous communication method is adopted, the average query time is about 3 seconds, and it is far from being able to complete the update of credit data in one month, which cannot meet the system performance requirements

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