Method for transacting bankcard application through mobile intelligent terminal

Abstract

The invention provides a method for transacting bankcard application through a mobile intelligent terminal. The method is characterized by comprising the following steps that: firstly, the mobile intelligent terminal is distributed to each salesman who is in charge of transacting the bankcard application and all the mobile intelligent terminals communicate with a server at the rear end through a wireless network; secondly, the salesman at the front end records basic client information required by the bankcard application through the mobile intelligent terminal; then the information is transmitted to the server at the rear end; after the information is processed, a business processing module calls client bankcard application information stored in a database; and a bank auditor audits the information and judges whether to approve to transact a bankcard. The invention has the advantage that: a low-carbon and environment-friendly method for transacting the bankcard application is provided; and by the method, management of the bankcard application information is facilitated and the bankcard application efficiency is improved.

Description

technical field [0001] The invention relates to a method for applying for a bank card by using a mobile intelligent terminal. Background technique [0002] Up to now, all types of bank cards are handled by front-end business personnel who provide paper application forms for customers to fill in. After the filling is completed, the front-end business personnel bring it back to the office and send it to the card center. The card center enters through outsourcing. Then enter the approval stage. [0003] The whole process is limited by technical means, and there are some loopholes and efficiency problems. like: [0004] First, front-end business personnel lack supporting systems to reduce risks and prevent fraud. Front-end sales rely mainly on human defense to reduce risks and prevent fraud. The means are single and have great limitations; [0005] Second, the training of front-end business personnel is difficult: due to the low entry threshold for bank card sales, different ...

AI Technical Summary

Problems solved by technology

[0004] First, the front-end business personnel lack supporting systems to reduce risks and prevent fraud. Front-end sales rely mainly on air defense to reduce risks and prevent fraud, which is single and has great limitations;

[0005] Second, the training of front-end business personnel is difficult: due to the low entry threshold for bank card sales, different levels of education, high mobility, and lack of effective training models, the sales itself needs to master a large amount of information and frequent information updates. Causes sales to be inconsistent with the caliber of customers, and brings troubles to card application and customer experience;

[0006] Third, the management of paper application forms is chaotic: there is no supporting system to record and query the application forms, which provides convenience for some illegal organizations. At the same time, the printing cost of paper application forms is high, and the design is not flexible. serious waste;

[0007] Fourth, there are security risks in customer information: After the customer fills out the paper application form, the application form will be kept and sent by the sales staff, and the card center will outsource the input. When the customer finds that the information filled in is wrong, most of them directly alter the application form by the salesman over the phone

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