Information processing system and method for consumer credit investigation

Abstract

Disclosed are an information processing system for consumptive credit investigation and a method therefor. The system mainly comprises a smart card used as a card-swiping consumptive voucher; an information terminal which is used for reading account information in the smart card and sending same to a consumptive credit information processing subsystem for processing, and is used for updating consumptive information data in the smart card according to the processing result of the consumptive credit information processing subsystem; and the consumptive credit information processing subsystem which is used for comparing the consumptive information data of the smart card read by the information terminal with basic consumptive information data stored in the subsystem to judge whether the consumptive information data is beyond a preset risk control threshold, and if it is not beyond the preset risk control threshold, the comparison result being output to the consumptive credit information processing subsystem of the information terminal. The information processing system and method therefor can achieve real-time and objective consumptive information collection and information processing.

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.

Images