System and method for processing consumption credit investigation information

Abstract

The invention discloses a system for processing consumption credit investigation information and a method for processing consumption credit investigation information. The system mainly comprises: a smart card serving as a voucher for bankcard consumption; an information terminal used for reading account information of the smart card and sending the account information to a subsystem for processing consumption credit investigation information, and further used for updating consumption information data in the smart card according to the processing result of the subsystem for processing consumption credit investigation information; and a subsystem for processing consumption credit investigation information, comparing the consumption information data of the smart card obtained by the information terminal with basic consumption information data stored in the subsystem to determine whether a preset risk control threshold is exceeded, and outputting the comparison result to the information terminal if the preset risk control threshold is not exceeded. According to the information processing system and method provided in the present invention, the consumption information is collected and processed objectively in real time.

Description

technical field [0001] The invention relates to computer network communication technology, in particular to an information processing system and method for consumer credit investigation. Background technique [0002] The traditional consumption pattern that exists in the current society is based on the dual consumption constructed by the buyer and the seller (merchant), that is, the consumer-commodity transaction pattern. This transaction mode is an isolated island of information. Due to the lack of access to corresponding information, third parties cannot obtain real consumption information. [0003] The consumption mode of bank cards, including credit cards, is: the transaction mode in which the bank obtains the consumption amount through the POS terminal. The credit system of this model cannot solve many problems such as consumer dishonesty and difficulty in controlling bank credit risks due to information distortion and information asymmetry between consumers and banks....

AI Technical Summary

Problems solved by technology

The existing credit system established under the dual economic relationship has never been able to guarantee the borrower’s realistic financing and step-by-step loan repayment, which has led to the collapse of the banking and financial industry.

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