Research And Implementation Of Microfinance Huifenqi App Based On IOS Platform

With the rapid development of mobile Internet technology,the demand for mobile application is increasing.In recent years,China's mobile Internet application industry has continued to grow at nearly 45 percent,and domestic mobile terminal devices have increased rapidly.The huge success of apple's operating system,in particular,has led to the rapid growth of apps based on the iOS platform.The iOS mobile operating system has a stable,safe and good user experience,and the return on iOS app is much higher than that of Android and Windows Phone operating system.As part of the fast development of the Internet financial areas in China,such as guangzhou,chongqing,jiangsu and other places have issued relevant encourage small loan documents,especially with the rapid development of the Internet consumer financial market and the P2 P network is restricted,subprime lending part business microfinance licence number obtained rapid development.By the end of 2017,there were about 9,373 microlenders in China,with a loan balance of nearly 1127.3 billion yuan.Some people in the industry point out that the number of active microfinance clients in China is expected to be between 13 million and 18 million.Microfinance as a small amount,short time limit and frequency of higher advantage of short-term credit loans,has a lot of advantages for the borrower,usually avoid,collateral,guarantees,borrowing more easily;It's easy to operate,basically it's on loan;And you can borrow again and again within the credit limit.It is because of these advantages,in the case of national policy,lax regulation,numerous loan platform,now some loan platform for personal information is not complete,data security is not high,the lender cannot repay after consumption,high interest on overdue,eventually leading to usury events happen;In addition,some platforms are paid in a single way,and the payment procedures are cumbersome,and the purchase of a single type of goods by installments needs to be further improved and optimized.In order to solve these problems,based on the iOS platform to build a safe,reliable and convenient small loan installment payment platform has strong practical significance.This article will start from the following aspects: first,the research background and significance of the topic,the research status and development trend of microcredit at home and abroad;Then,it introduces the relevant technologies and knowledge needed to develop App based on iOS platform.Then,the paper introduces the system demand analysis,including business demand,functional demand,performance demand,etc.Secondly,it introduces the system design,including structure design,general function design and detailed functional design.Then the key technology research is introduced in detail,including the fingerprint identification technology of iOS platform and face detection and face recognition technology.Secondly,the detailed implementation process of system function is introduced.Finally,the summary and outlook of this paper.