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Consumer credit solution method based on open platform technology

An open platform and solution technology, applied in the field of bank consumer credit, can solve problems such as low service efficiency, high cost of bank consumer credit business, and high service threshold, so as to reduce loan application links, improve ease of use and convenience, and improve The effect of processing speed

Inactive Publication Date: 2018-08-17
SICHUAN XW BANK CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0006] The purpose of the present invention is to provide a consumer credit solution based on open platform technology to solve the problems of high cost, low service efficiency and high service threshold of bank consumer credit business

Method used

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  • Consumer credit solution method based on open platform technology
  • Consumer credit solution method based on open platform technology

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0034] like figure 1 As shown, a consumer credit solution based on open platform technology includes the following steps:

[0035] S1: Enterprises / individuals register and authorize to become developers on the open platform;

[0036] S2: Developers create and publish financial applications suitable for their own deep fields according to business scenarios and business permissions;

[0037] S3: The open platform authorizes and opens financial applications after passing the review, and provides corresponding financial services.

[0038] In the present invention, by connecting the Internet business scene with the Internet open platform, the Dubbo service that disassembles the consumer credit ability into atoms is released, and the B-end financial platform realizes the B-end through various access methods such as SDK, API, and embedded H5. -The 2-P-2-C strategic model enables the B-end financial platform and its C-end customers to enjoy comprehensive, convenient, safe and standa...

Embodiment 2

[0040] On the basis of embodiment 1, the specific steps of said step S2 are as follows:

[0041] S201: The developer accesses the WEB / APP / SDK application in the form of application creation in the open portal of the open platform;

[0042] S202: The open platform issues APPID and APPSecret to the developer as a unique identifier for the application;

[0043] S203: The developer creates an application and calls various APIs published on the open platform for assembly;

[0044] S204: The open platform conducts different process audits according to the API classification;

[0045] S205: After the API process review is passed, the developer uses the sandbox environment to debug the API and then apply to go online.

[0046] Using the B-end financial platform as a developer, by calling and assembling various APIs suitable for your own business scenarios, and jointly debugging the assembled APIs through the sandbox environment of the Internet open platform, you can apply to go onli...

Embodiment 3

[0048] On the basis of Embodiment 1, the API provider consists of third-party systems and self-owned systems.

[0049] In the present invention, APIs are jointly provided by third-party systems and self-owned systems, which is convenient for developers to assemble and call APIs in an all-round way according to business scenarios.

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Abstract

The invention discloses a consumer credit solution method based on an open platform technology. The method comprises the following steps that: an enterprise / individual is registered on an open platform and is authorized to become a developer; the developer creates and publishes a financial application for the own depth field according to a service scene and service permission; and the open platform carries out authorization opening after examination and approval of the financial application and provides a corresponding financial service. According to the invention, on the basis of docking of the Internet business scene and the Internet open platform, the consumer credit capability is disassembled into an atom Dubbo service and opens the service and a B-end financial platform is used for realizing a B-2-P-2-C strategic pattern by several kinds of access modes of SDK, API, and embedded H5 and the like, so that the B-end financial platform and a C-end client are able to enjoy comprehensive, convenient, secure and standardized financial services.

Description

technical field [0001] The invention relates to the field of bank consumer credit, in particular to a consumer credit solution based on an open platform technology. Background technique [0002] At present, the consumer credit business carried out by banks needs to rely on offline bank outlets or cooperative scenarios (such as car dealers, housing intermediary service providers) to provide related financial services. This traditional credit service model has the following shortcomings: [0003] (1) The cost is high, and it needs to rely on physical network coverage or human coverage to provide services to customers in designated areas. [0004] (2) The service efficiency is low. The offline service mode generally relies on paper documents for business acceptance. Customers often need to go to the bank branch several times to complete the entire process during the process, and credit approval is mostly done manually, with low efficiency. Unable to meet the urgent financial n...

Claims

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Application Information

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IPC IPC(8): G06Q40/02
CPCG06Q40/03
Inventor 李群王月超彭剑
Owner SICHUAN XW BANK CO LTD
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