What is the use of bank ICT business?

I. ICT business of banks mainly includes services such as accounting change notice and loan notice.

(1) Notice of change of account balance:

When the balance of the card or passbook changes, SMS informs the customer of the account change, the account change amount, the account change direction (increase or decrease) and the account change reason (transfer, consumption, cash withdrawal, etc.). ), account change time, account real-time balance.

(2) Notice of the change of the balance at the beginning of each month:

Inform customers of the balance of each non-zero deposit account at the end of last month at the beginning of each month.

(3) Loan Maturity Notice:

When the customer's loan expires or the user repays in installments, the customer will be informed of the loan repayment amount and the actual balance of the account by SMS to remind the customer to repay in time.

(4) Loan Deduction Notice:

When the customer's loan deduction is successful, the SMS will inform the user of the deduction result.

(5) loans overdue notice:

When the customer fails to repay the loan in the bank within the agreed time limit, a short message will be sent to remind the customer on the overdue day.

(6) Notice of maturity of time deposit:

When the time deposits of corporate customers or individual customers expire, the bank will inform the users on the maturity date so that users can transfer money or withdraw money.

(7) bank acceptance bill due reminder:

Two days before the bank acceptance bill expires, a text message will be sent to remind the account holder.

(8) Notice of the result of batch withholding fee:

According to the client's entrustment, the bank will deduct the fixed telephone fee, gas fee and water and electricity fee from the client's account at a fixed time every month, and send the notice of the deduction result to the client.

(9) New business introduction and customer care:

When a bank launches new business, customers can get a comprehensive understanding of the new business of the bank in time or send birthday greeting messages by sending free SMS.

Extended data:

Service type

1, accounting change notification service

The bank information communication system automatically sends short messages to users' mobile phones, and announces the changes of accounts in real time, or notifies users according to the time set by the bank information communication system.

2. Information reminder notification service

Notification services such as loan maturity, time deposit maturity, credit card replacement maturity, credit card overdraft, credit card payment, new bank business, bank interest rate change, etc.

3. Professional services

A. notification of securities information

Notification service for trading returns, successful withdrawal, acceptance of entrustment, stock changes, securities market information and other information.

B, foreign exchange information notice

Information notification services such as closing exchange rate, foreign exchange account funds, trading returns, short comments on foreign exchange market analysis, daily financial data statement notification, exchange rate changes, etc.

What did the "Yinxintong" system help customers achieve?

1, realize interaction with users, provide more personalized services, change the traditional service mode of banks, and enhance the competitive advantage of banks.

2. Effectively improve the service quality and efficiency of all kinds of notices in banks.

3. Bring considerable intermediary business income to the bank.

In the construction of banking informatization, real-time information notification, information query and interaction are the core requirements. It is embodied in the real-time notification of changes in bank account information, the inquiry of bank account information, the real-time notification of bank work information and the interaction of bank workflow.

For different users, their personalized needs are different: for private users, they want to meet their needs such as account change notice, account balance inquiry and customer care notice; Card users focus on real-time transaction notification, batch transfer notification, transaction details query, etc.

Public users have a strong demand for real-time general ledger change notice and current account notice; Bank employees want to meet the needs of mobile office, such as meeting notice, business data notice, news in the bank, etc. The information requirements of bank equipment management are embodied in real-time system fault notification, abnormal transaction behavior notification and so on.

References:

Yinxintong-Baidu Encyclopedia