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Internet simulation browser-based method for acquiring data in credit investigation system

A technology for acquiring data and the Internet, which is applied in the field of acquiring data based on an Internet simulated browser, can solve the problems of inconsistent data formats of external system query results, cumbersome external system management, increased operator workload, etc., so as to maintain good asset quality. , improve query efficiency, and promote the effect of rapid development

Inactive Publication Date: 2011-07-06
CHINA CONSTRUCTION BANK
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0009] The data format of the query results of each outreach system is inconsistent, there are many useless information, and it is impossible to provide comprehensive and integrated results, which is difficult for reviewers to use;
[0010] The management of each outreach system is cumbersome, and it is necessary to record the login user names and passwords of multiple systems, which takes up a lot of time for login and switching, and increases the workload of operators;
[0011] There are many types of outreach systems, manual login page query work statistics workload is large, low efficiency, a large amount of information needs to be manually recorded, or there are many printed materials, which are difficult to keep, serious waste, and prone to errors

Method used

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  • Internet simulation browser-based method for acquiring data in credit investigation system

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0047] Such as figure 1 As shown, the Credit Investigation Assistance System (CCAIS) obtains data from external systems (PBC Credit Investigation System, Real Estate System, Telecom Yellow Pages (such as extracting customer profile data from Telecom, China Unicom, China Mobile, etc.)).

[0048] The CCAIS, a credit card investigation system, is connected with external systems, specifically using the Internet, using a simulated browser method, based on the dynamic heterogeneous Web information integration web analysis method, and realizing the automatic submission of HTML forms to obtain the required pages and the extraction of information from the pages , And can save the page crawl to the local database.

[0049] specific process:

[0050] Credit card credit investigation system CCAIS-(Internet)->Ministry of Public Security Resident Identity Information System, PBC Credit Information System, Real Estate Information System, Provident Fund Information System and other WEB websites.

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PUM

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Abstract

The invention provides an internet simulation browser-based method for acquiring data in a credit investigation system. Credit data of a customer to be approved are acquired from an external system, and the credit data are used for consultation of credit card investigation personnel. The method comprises the following steps of: A, analysis simulation of a target resource site; B, web page capturing: acquiring a result page to be queried and returned from the target resource site, and storing the result page in a local computer; C, information extraction: extracting the required information from the result page; and D, data storage: storing the extracted required information record in an information record database in a credit card credit investigation unit. By adopting the method, the credit data of the customer to be approved can be conveniently acquired from the external system, and the efficiency of credit card credit investigation is remarkably improved.

Description

Technical field [0001] The invention relates to a method for obtaining data based on an Internet simulation browser in a credit investigation assistance system. technical background [0002] In the process of issuing credit cards, banks must verify various customer information (including identity information, deposits and loans, real estate, insurance information, etc.), that is, credit investigation assistance. The existing credit investigation assistance is handled manually due to lack of technology. Supported by means, during the approval process, business personnel need to manually query the data information of multiple systems such as pre-approved customers’ credit records, provident funds, deposits, loans, wealth management products, and wages on behalf of customers, which is low in efficiency and high in errors. [0003] The information required by the business staff in the process of approving credit cards needs to be obtained from many external systems, and the access meth...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/00G06F17/30G06Q40/02
Inventor 肖晓斌刘军朱金荣唐丁波苏俊强詹求芝侯典斌梁楠秦梓航
Owner CHINA CONSTRUCTION BANK
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