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System for performing loan transaction service based on mobile phone short message

A business service and short message technology, applied in wireless communication, payment system structure, equipment, etc., to achieve the effect of safe use, convenient service, and simple structure

Inactive Publication Date: 2011-07-20
宁波征信金电信息技术有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

In recent years, smart IC card technology has developed rapidly, especially financial IC cards that meet the unified standards of the "China Financial Integrated Circuit IC Card Specifications" (version 2.0) have been piloted in many cities across the country, but currently financial IC cards mainly Applied to contact or non-contact near-field payment, it is difficult to directly use it to realize the remote loan function

Method used

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  • System for performing loan transaction service based on mobile phone short message
  • System for performing loan transaction service based on mobile phone short message
  • System for performing loan transaction service based on mobile phone short message

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Experimental program
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Embodiment Construction

[0021] The present invention will be described in detail below in conjunction with accompanying drawing: figure 1 , 2 Shown, the present invention comprises the mobile phone that smart IC card is housed, security server, lending business platform, short message access center and bank core system to form; Card structure; its loan business services include: card registration, actual loan withdrawal, loan repayment, information inquiry; the encryption and decryption of information during the transmission of mobile phone text messages are realized by the asymmetric key technology of China Financial Certification Authority (CFCA).

[0022] The card registration steps are as follows: the customer loads the smart IC card containing the personal identity information and the "user identification information" of the card unique identifier (card UID) into the customer's mobile phone terminal, and sends a short message to register the smart IC card At the same time, the opening of the lo...

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PUM

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Abstract

The invention discloses a system for performing a loan transaction service based on a mobile phone short message. The system comprises a mobile phone provided with an intelligent IC card, a security server, a loan transaction platform, a short message access center and a bank core system, wherein the mobile phone provided with an intelligent IC consists of a client mobile phone terminal and an intelligent IC card; the load transaction service comprises card registration, actual loan withdrawing, loan repayment and information inquiry. By the system, the financial function of a financial IC card is combined with the communication function of a mobile phone communication card; the client can make the loan transaction safely and efficiently by the mobile phone short message, and the loan transaction service comprises loan withdrawing, account transfer, repayment and related information inquiry. The system has characteristics of simplicity of structure, safety of use and convenience for service.

Description

technical field [0001] The invention relates to the application of mobile communication and smart IC card technology in bank loan service, specifically, it is a service system for loan business based on mobile phone text messages to realize the functions of bank loan application, issuance and query through mobile phone text messages. The technical field combining communication and smart IC card. Background technique [0002] At present, small and medium-sized enterprises or individuals have a huge demand for small loans, and they have the characteristics of "short, small, frequent, and urgent". If the customer applies for a small loan, he has to go directly to the bank for processing, and the procedures for each loan are cumbersome, time-consuming and labor-intensive. If ordinary credit cards are used to handle loans, there are defects such as high interest rate pricing, poor security, and easy cash-out of consumption, and the convenience and speed still need to be improved...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): H04W4/14H04W12/04H04W12/06G06Q20/00H04W12/0433H04W12/069
Inventor 邬向阳
Owner 宁波征信金电信息技术有限公司
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