Rebirth of financial migrant workers

Chapter 204 Two functions authorized two-in-one
Fund collection, an online banking service, is one of the functions of 'Super Online Banking'.

It is mainly divided into two categories:
The first is that the group company determines the "reserve funds" for the designated accounts of the subordinate companies, and the banking processing system automatically transfers the funds exceeding the "reserve funds" to the cash management account designated by the head office at the end of the day;
The second method is to automatically transfer the bank account funds of this bank or other banks to the designated central account according to the aggregation rules set by the user.

Once the contract for this business is successfully signed, it will be mandatory to ensure the withdrawal of the customer's funds.

In the previous life, after the Banking Regulatory Center issued a notice on "Strengthening the Settlement of Credit Customer Fund Accounts," Mule Bank quickly took action to promote the account fund collection business.

Don’t some customers come up with various excuses, saying that it is difficult to transfer funds and financial manpower is limited? Now our bank provides you with such a fully automated online banking tool for free. Let us take a look at whether these difficulties are really impossible. solve.

"I've heard of it. This business has been the focus of discussion among the leaders of the bank recently."

Wang Quan took a sip of green tea and replied.

Wang Chunliang added tea to his senior brother and continued to ask:
"Is the bank planning to use this tool to strengthen corporate account settlement with our bank?"

"Hey, you are quite well-informed! There was indeed a proposal at the bank-wide office meeting, but it has been shelved for now."

"Why?"

“At the end of last year, our bank and more than 20 other banks became the first batch of pilot banks for the fund pooling business. At that time, President Gao proposed that fund pooling be mandatory for all credit customers as a basis for credit approval and pricing. One. But you also know that clients of all sizes in Mule Bank know quite a few people, and some humble companies may have well-established backgrounds. Doesn’t this create resistance? "

The senior brother's words reminded Wang Chunliang that in his previous life, Mule Bank promoted the fund collection business for a period of time, but it soon disappeared because this initiative aroused "public outrage" from customers, which eventually led to the intervention of external factors.

Seeing that his junior brother was silent, Wang Quan asked curiously:

"What, you have a customer who wants to handle this business? Then can't you just go to the electronic banking department of the head office and go through the normal process? This business channel has already been opened, and independent application will not be affected."

Wang Chunliang considered his words and said:
"Brother, I think that bill can be slightly modified from forcing all enterprises to apply for it to requiring small and medium-sized enterprises to apply. In this way, the resistance can be reduced a lot."

"At the same time, several branches can be selected as pilots to promote this business first." Wang Chunliang finally unfolded the map of Yan State.

Wang Quan was a little confused about his proposal and narrowed his eyes to signal the other party to continue.

Wang Chunliang glanced at the closed door and whispered:

"Senior brother, my current investigation into President Han and Ni Zheng has reached a bottleneck. The way to break the situation is this forced promotion of fund collection."

This sentence immediately aroused Wang Quan's interest. He sat up straight and guessed:

"You want me to support President Gao at the meeting, so that the bill can be implemented as soon as possible, and then your Sanlimiao branch will be designated as a pilot branch, and all credit-granted small businesses in the bank will be forced to handle the fund pooling business. In this way, you mentioned before Those customers who were suspected of having problematic loans also had to handle the business.”

As expected of a leader who came out of the system, his understanding ability is outstanding. Wang Chunliang nodded.

"However, fund collection is only a transfer function for future funds, and it does not allow you to view past account history!"

Facing the questions raised by his senior brother, Wang Chunliang patiently answered:

"One of the important steps in handling fund collection is to log in to the customer's online banking account at another bank to authorize the operation. What I want is this step of authorization. Brother, I wonder if you have any idea about the online banking quick loan that is being developed by the Ministry of Small Business Hear, can you help me contact the developer of this product?"

After all, Wang Quan did not come from banking business and did not understand specific emerging businesses.

He frowned, took out his mobile phone and dialed a number: "Come to the third box of Yanyu Building now." Wang Chunliang asked in a low voice: "Senior brother, is that person reliable?"

Of course reliable.

The visitor is Engineer Ge Congge, head of the R&D team of Mule Bank’s Information Technology Department.

The Ministry of Information Technology was originally in charge of Wang Quan Xingzhu, and Ge Cong was promoted by him, so he was considered a direct descendant of Wang Quan.

"Well, you are right. The prerequisite for small business online banking quick loan is to log in to the customer's online banking in other banks and authorize our bank to collect historical account flows. Xiao Wang, our product is still under testing, you How did you know that?”

Engineer Ge Da smoothed the few strands of hair on his head and was very puzzled that no bank on the market had ever automatically collected customer transactions. How did Wang Xingzhu's junior brother in front of him know such details.

What he doesn’t know is that in a few years when online lending becomes rampant, Jiebei, Huabei and even various small loans will have the function of automatically uploading mobile call records and personal online banking history bills with one-click authorization when applying for a loan.

As a reborn person in the banking industry, Wang Chunliang is all too familiar with such functions.

He did not explain, but directly raised his needs to Engineer Ge Da:
"Mr. Ge, can you integrate the authorized collection of transaction flow and the collection of authorized opening funds into one? In other words, on the surface, I handle the opening fund collection business for customers, but in fact, I unknowingly collect the transaction flow. Did you do it too?"

"Yes, yes." Ge Cong finally understood what the other party was thinking. It is not difficult to develop such a demand. He only needs to integrate the modules, but it will involve some privacy risks for customer accounts. However,
He quietly glanced at Wang Quan and saw the other old god sipping tea, obviously acquiescing to this.

Ge Cong immediately changed his mind: "No problem, I can embed the quick loan collection flow module into the fund collection system."

“Can you hide the authorization pop-up window for collecting transaction data?”

"OK."

“How long does development take?”

"About two months."

It took too long, and Wang Chunliang shook his head at his senior brother.

Wang Quan, who had remained silent and listened to the whole process, asked: "Can't it be faster?"

Ge Cong explained: "It mainly involves two systems, and they have to be tested in the end. If the pop-up window is not hidden, the progress can be greatly accelerated."

"That means the window will pop up twice, so can the content of the pop-up window be modified?"

"can."

"That's okay, then change it to display the same prompt window for authorized fund collection twice."

Although there was not much required content and he could remember it with his brain power, Ge Cong still meticulously made notes one by one in his notebook.

The employees at the head office have done their best to control the details in front of the big leaders.

(End of this chapter)