The Design And Implementation Of An Integrated Credit Card Approval System Based On AJAX

In the last twenty years, as the constantly emerging of various kinds of information technologies represented by Internet technology, information technology has been widely used in banking industry, which provides comprehensive strong technical support for the further healthy development. With the constant acceleration of development speed of social economic, bank credit card will present diversified, complicated practical problems; this makes the approval of credit cards application become an important factor that influences credit business. From the beginning of the reform and opening-up policy, the domestic economy has gained its obvious development and progress to the result of the growing dependence on the credit cards during the process of mass consumption, which has caused the expansion of the credit card business and then the large profits as well as a huge customer base. Furthermore, apart from the rapid progress in its business and profits, there exists an increasingly intense competition in the credit card field, which demands the efficient control from the credit card department over the application of credit card approval, which includes both the risk management of credit card consumption and overdraft, and the completion of credit card application and approval within short time.In this paper, it has a research on the current study status of the integrated credit card approval system at home to analyze the involved relevant technologies and key strategies of the integrated credit cards approval system. The system builds smartly integrated approval information system of bank credit card with the help of WEB and B/S software system frames, technology of LB, AJAX and Web Service, data storage management technology and some others. According to the current realistic need of integrated approval application in bank credit department, it investigates and researches the actual process of the integrated approval of the credit cards, and sums up the data architecture and flow direction of the whole process in the integrated approval. The whole system is divided into the following main modules:the management module of basic customer data, evaluation module of customer credit, module of general credit card approval, module of one-stop approval, module of approval inspection, module of system management and maintenance and so on. This system builds a model of the database system in the way of E-R diagram and makes use of the Oracle database. Window2003Server operating system and some others in practice to develop the software environment. To a large extent, the implementation of the system can meet with business and function requirements put forward by the bank credit card department in the integrated credit card approval, which involves the convenient management service of bank customer data, evaluation service of customer credit, the general and one-stop service in company with the inspection service of credit card to the ultimately enhancement of the ability and quality of integrated bank credit card approval.