CN106600397A - Remote account opening method and device - Google Patents

Abstract

The invention discloses a method and device for remotely opening an account. The method includes: when the account opening information input in the application of the mobile terminal is acquired and the account opening information satisfies a preset condition, acquiring the user's face video; identifying The human face image in the human face video obtains the recognition result; the recognition result and the human face video are sent to the asynchronous review system for the asynchronous review system to review the human face video according to the recognition result; when When receiving the prompt information fed back by the asynchronous review system that the face video review has passed, perform an account opening operation according to the account opening information. The invention realizes that in the remote account opening process, on the basis of face recognition, the audio of the user who needs to open an account is obtained and the live body detection is carried out, and the face video is sent to the reviewers of the asynchronous review system for review, preventing illegal elements The stolen image is used to open an account, which improves the correctness of user identification in the process of remote account opening.

Description

Remote account opening method and device

technical field

The invention relates to the field of communication technology, in particular to a method and device for remotely opening an account.

Background technique

The domestic banking industry usually adopts the method of face-to-face signing at the offline counter, and the bank business personnel handle the bank card account opening business for customers face-to-face. However, due to the lack of resources in the bank's offline outlets and the long offline processing process, it is easy to bring inconvenience to customers. In order to solve this kind of problem, the existing scheme adopts the way of remote account opening to improve the efficiency of account opening, but in the process of remote account opening by users, the user target image used for comparison for the first time is usually taken from the People's Bank of China (referred to as the central bank) or Images retained by the Ministry of Public Security. However, criminals will use stolen face images to open accounts remotely, making it impossible for banks to identify whether the user who needs to open an account is the same person as the user in the image used for comparison.

The above content is only used to assist in understanding the technical solution of the present invention, and does not mean that the above content is admitted as prior art.

Contents of the invention

The main purpose of the present invention is to provide a method and device for remote account opening, aiming at solving the technical problem of how to improve the accuracy of user identity identification in the process of remote account opening.

In order to achieve the above purpose, the present invention provides a remote account opening method, which includes:

When the account opening information input in the application of the mobile terminal is obtained, and the account opening information satisfies a preset condition, the face video of the user is obtained;

Recognize the face image in the face video to obtain a recognition result;

Send the recognition result and the human face video to an asynchronous review system for the asynchronous review system to review the human face video according to the recognition result;

When receiving the prompt information fed back by the asynchronous review system that the face video review has passed, perform an account opening operation according to the account opening information.

Preferably, when the account opening information input in the application of the mobile terminal is obtained and the account opening information satisfies preset conditions, the step of obtaining the user's face video includes:

When the account opening information input in the application is obtained and the account opening information meets the preset conditions, a verification code is sent to the mobile terminal for the user to input in the application the information received by the mobile terminal verification code;

When the verification code input in the application is received and the input verification code is consistent with the sent verification code, the user's face video is acquired.

Preferably, when the verification code input in the application is received, and the input verification code is consistent with the sent verification code, the step of obtaining the user's face video includes:

When the verification code input in the application is received and the input verification code is consistent with the sent verification code, the text to be read is sent to the application for the user to read when recording the face video Describe the text to be read;

Acquiring the face video sent by the application, wherein the face video includes the audio of the user reading the text to be read, and the face image captured during the process of reading the text to be read.

Preferably, the step of identifying the face image in the face video and obtaining the recognition result includes:

Obtain the face image in the face video, and calculate the similarity between the face image and the pre-stored face image;

When the similarity is greater than or equal to the preset similarity, it is determined that the face image recognition in the face video is successful;

When the similarity is less than the preset similarity, it is determined that the face image recognition in the face video fails.

Preferably, after the step of sending the recognition result and the human face video to an asynchronous review system for the asynchronous review system to review the human face video according to the recognition result, it further includes:

When the asynchronous review system receives the prompt information that the face video review fails, the reason for the account opening failure is sent to the application, so that the application can prompt the user to fail to open the account according to the reason for the account opening failure.

In addition, in order to achieve the above purpose, the present invention also provides a remote account opening device, which includes:

An acquisition module, configured to acquire the user's face video when the account opening information input in the application of the mobile terminal is acquired, and the account opening information satisfies a preset condition;

A recognition module, configured to recognize a face image in the face video to obtain a recognition result;

A sending module, configured to send the recognition result and the face video to an asynchronous review system for the asynchronous review system to review the face video according to the recognition result;

An execution module, configured to perform an account opening operation according to the account opening information when receiving the prompt information that the face video review passed back from the asynchronous review system.

Preferably, the acquisition module includes:

a sending unit, configured to send a verification code to the mobile terminal when the account opening information input in the application is obtained and the account opening information satisfies a preset condition, so that the user can input the account opening information in the application The verification code received by the mobile terminal;

The acquisition unit is configured to acquire the user's face video when the verification code input in the application is received and the input verification code is consistent with the sent verification code.

Preferably, the sending unit is further configured to send the text to be read to the application when the verification code input in the application is received, and the input verification code is consistent with the sent verification code, for the user Read the text to be read when recording the face video;

The acquisition unit is also used to acquire the face video sent by the application, wherein the face video includes the audio of the user reading the text to be read, and the person captured during the process of reading the text to be read face image.

Preferably, the identification module includes:

A computing unit, configured to acquire the face image in the face video, and calculate the similarity between the face image and the pre-stored face image;

A determining unit, configured to determine that the face image recognition in the face video is successful when the similarity is greater than or equal to a preset similarity; The face image recognition in the face video failed.

Preferably, the sending module is further configured to send the account opening failure reason to the application when receiving the prompt information of the face video review failure fed back by the asynchronous review system for the application to use according to the The reason for account opening failure prompts the user to fail to open an account.

In the present invention, when the account opening information input in the application of the mobile terminal is obtained and the account opening information satisfies the preset conditions, the face image in the obtained face video is recognized, and the obtained recognition result is combined with the person The face video is sent to the asynchronous review system for reviewing the face video by the asynchronous review system according to the recognition result. The account opening information executes an account opening operation. In the process of remote account opening, on the basis of face recognition, the audio of the user who needs to open an account is obtained and the liveness detection is performed, and the face video is sent to the auditor of the asynchronous audit system for review, preventing illegal elements from using theft The account is opened with the image, which improves the correctness of user identification in the process of remote account opening.

Description of drawings

Fig. 1 is a schematic flow chart of a preferred embodiment of the remote account opening method of the present invention;

FIG. 2 is a schematic flow diagram of obtaining the user's face video when the account opening information input in the application of the mobile terminal is obtained and the account opening information satisfies a preset condition in an embodiment of the present invention;

Fig. 3 is a functional module schematic diagram of a preferred embodiment of the remote account opening device of the present invention;

Fig. 4 is a schematic diagram of a functional module of an acquisition module in an embodiment of the present invention.

The realization of the purpose of the present invention, functional characteristics and advantages will be further described in conjunction with the embodiments and with reference to the accompanying drawings.

detailed description

It should be understood that the specific embodiments described here are only used to explain the present invention, not to limit the present invention.

Referring to FIG. 1 , FIG. 1 is a schematic flowchart of a preferred embodiment of the remote account opening method of the present invention.

In this embodiment, the remote account opening method includes:

Step S10, when the account opening information input in the application of the mobile terminal is obtained, and the account opening information satisfies the preset condition, obtain the user's face video;

When the user needs to remotely open an account, the user inputs account opening information in the application of the mobile terminal. It should be noted that the video call interface in the application adopts the face recognition technology based on H5 (HTML5.0). The mobile terminal includes but is not limited to a mobile phone. In this embodiment, the mobile terminal is a mobile phone. The application includes but is not limited to WeChat of the mobile terminal. For example, when the application is WeChat, the user can input the account opening information through the official account of the bank in the WeChat. The account opening information includes the user's ID card number and mobile phone number. A communication connection is established between the mobile terminal and the application and the server of the bank. When the server obtains the account opening information input by the user in the application, the server judges whether the account opening information satisfies the preset condition, that is, judges whether the ID card number is 18 digits or 17 digits plus A letter, and judging whether the mobile phone number has 11 digits. When the server determines that the ID card number is 18 digits or 17 digits plus a letter, and the mobile phone number is 11 digits, that is, when the account opening information meets the preset conditions, the server obtains the user's face video. When the account opening does not meet the preset conditions, the server sends prompt information to the application, so that the application can receive the prompt information, and prompt the user according to the prompt information that the account opening information is wrong, please re-enter.

Step S20, identifying the face image in the face video to obtain a recognition result;

When the server acquires the human face video, it recognizes the human face image in the human face video, and obtains a recognition result.

Further, the step S20 includes:

Step a, obtaining the face image in the face video, calculating the similarity between the face image and the pre-stored face image;

Step b, when the similarity is greater than or equal to the preset similarity, it is determined that the face image recognition in the face video is successful;

Step c, when the similarity is less than the preset similarity, it is determined that the face image recognition in the face video fails.

Further, the server recognizes the face image in the face video, and the specific process of obtaining the recognition result is: the server obtains the face image in the face video and the pre-stored face image, and calculates the face image in the face video. The similarity between the face image and the pre-stored face image. Comparing the similarity between the human face image and the pre-stored human face image with the preset similarity, when the similarity is greater than or equal to the preset similarity, determine the human face in the human face video The image recognition is successful; when the similarity is less than the preset similarity, it is determined that the recognition of the face image in the face video fails. It should be noted that the preset face image is a face image pre-stored by the server, which is used for face recognition in the remote account opening process. The preset similarity can be set according to specific needs.

Step S30, sending the recognition result and the human face video to an asynchronous review system for the asynchronous review system to review the human face video according to the recognition result;

After the server obtains the recognition result of the face image, the server sends the recognition result and the face video to an asynchronous review system. When the asynchronous review system receives the recognition result and the face video, the asynchronous review system reviews the face video according to the recognition result, that is, prompts the asynchronous review system according to the recognition result. A reviewer reviews the face images in the face video. When the recognition result is that the face image recognition is successful, the asynchronous review system prompts the reviewer that the face image recognition is successful, please review the face image in the face video; when the recognition As a result, when the face image recognition fails, the asynchronous review system prompts the reviewer that the face image recognition fails, please review the face image in the face video again.

In the process of re-examining or re-examining the face image, when the reviewer determines that the face image has passed the review, the reviewer feeds back a prompt message of passing the review to the server through the asynchronous review system; when When the reviewer determines that the review of the face image fails, the reviewer feeds back a prompt message of review failure to the server through the asynchronous review system.

Step S40, when receiving the prompt information fed back by the asynchronous review system that the face video review has passed, perform an account opening operation according to the account opening information.

When the server receives the prompt information fed back by the asynchronous review system that the face video review has passed, the server performs an account opening operation according to the account opening information. Further, when the server successfully opens an account according to the account opening information, the server sends an account opening success message to the application, so that the application can prompt the user that the account opening is successful.

Further, the remote account opening method also includes:

Step e, when receiving the prompt information that the face video review failed from the feedback of the asynchronous review system, send the account opening failure reason to the application, so that the application can prompt the user to open an account according to the account opening failure reason fail.

Further, when the server receives the prompt information of the failure of the face video review fed back by the asynchronous review system, the server determines the reason for the account opening identification, and sends the account opening failure reason to the application , for the application to prompt the user that the account opening fails according to the reason for the account opening failure. It should be noted that the reasons for the account opening failure include, but are not limited to, the failure of face image recognition in the face video.

In this embodiment, when the account opening information input in the application of the mobile terminal is obtained and the account opening information satisfies the preset conditions, the face image in the obtained face video is recognized, and the obtained recognition result and the described The human face video is sent to the asynchronous review system for the asynchronous review system to review the human face video according to the recognition result. An account opening operation is performed according to the account opening information. In the process of remote account opening, on the basis of face recognition, the audio of the user who needs to open an account is obtained and the liveness detection is performed, and the face video is sent to the auditor of the asynchronous audit system for review, preventing illegal elements from using theft The account is opened with the image, which improves the correctness of user identification in the process of remote account opening.

Further, referring to FIG. 2 , FIG. 2 is a process for obtaining the user’s face video when the account opening information input in the application of the mobile terminal is obtained in the embodiment of the present invention, and the account opening information meets the preset conditions. Schematic diagram, based on the first embodiment, the second embodiment of the remote account opening method of the present invention is proposed.

In this embodiment, the remote account opening method further includes:

Further, the step S10 includes:

Step S11, when the account opening information input in the application is acquired and the account opening information satisfies the preset conditions, send a verification code to the mobile terminal for the user to enter the mobile terminal in the application The verification code received;

Step S12, when the verification code input in the application is received and the input verification code is consistent with the sent verification code, the user's face video is acquired.

When the server obtains the account opening information input by the user in the application, and the account opening information satisfies a preset condition, the server sends a verification code to the mobile terminal. When the mobile terminal receives the verification code, the application outputs prompt information on its display interface to prompt the user to input the verification code received by the mobile terminal within a preset time. When the application receives the verification code input by the user within the preset time, the application sends the verification code input by the user to the server. When the server receives the verification code input by the user in the application, the server compares the verification code input by the user with the verification code sent by it. When the verification code input by the user is consistent with the sent verification code, the server sends prompt information to the application, so that the application prompts the user to record a face video. When the application records the user's face video, the application sends the face video to the server, and the server acquires the face video. It should be noted that when the user fails to input the verification code received by the mobile terminal in the application within the preset time, the verification code becomes invalid, and the user can request the verification code again through the application. The above server sends a verification code. The preset time can be set according to specific needs.

Further, when the verification code input by the user is inconsistent with the sent verification code, the server sends a prompt message indicating that the verification code is wrong to the application, so that the application can prompt the user according to the prompt message of the wrong verification code The verification code entered is wrong. When the verification code input by the user is wrong, the user may request the server to send the verification code again through the application. In this embodiment, the verification code is a number.

Further, the step S12 includes:

Step f, when the verification code input in the application is received and the input verification code is consistent with the sent verification code, send the text to be read to the application for the user to record the face video read the text to be read;

Step g, acquiring the face video sent by the application, wherein the face video includes the audio of the user reading the text to be read, and the face image captured during the process of reading the text to be read.

Further, when the server receives the verification code input in the application, and the input verification code is consistent with the verification code sent by it, the server sends the text to be read to the application. When the application receives the text to be read, the application calls the camera to record the user's face video, and prompts the user to read the text to be read aloud during the recording of the face video, so that the During the user's face video process, the user's audio is obtained. When the application acquires the video of the human face through the camera, the video of the human face is sent to the server. The server receives the face video sent by the application, wherein the face video includes the audio of the user reading the text to be read, and the face image captured during the process of reading the text to be read. The text to be read may be numbers, Chinese, or English.

Further, the server stores the audio in the face video, uses the audio to perform a liveness test on the user, and stores the audio to ensure the authenticity of the user's identity.

In this embodiment, before acquiring the user's face video, the verification code is used to verify the authenticity of the account opening information, preventing the user from using false account opening information to open an account, and improving the correctness of user identification in the remote account opening process.

The present invention further provides a remote account opening device.

Referring to FIG. 3 , FIG. 3 is a schematic diagram of functional modules of a preferred embodiment of the remote account opening device of the present invention.

It should be emphasized that, for those skilled in the art, the module diagram shown in Figure 3 is only an example diagram of a preferred embodiment, and those skilled in the art can easily carry out the remote account opening device modules shown in Figure 3 The supplement of the new module; the title of each module is a self-defined name, which is only used to assist in understanding each program function block of the remote account opening device, and is not used to limit the technical solution of the present invention. The core of the technical solution of the present invention is that each self-defined name The function to be achieved by the module.

In this embodiment, the remote account opening device includes:

The obtaining module 10 is used to obtain the user's face video when the account opening information input in the application of the mobile terminal is obtained, and the account opening information satisfies a preset condition;

When the user needs to remotely open an account, the user inputs account opening information in the application of the mobile terminal. It should be noted that the video call interface in the application adopts the face recognition technology based on H5 (HTML5.0). The mobile terminal includes but is not limited to a mobile phone. In this embodiment, the mobile terminal is a mobile phone. The application includes but is not limited to WeChat of the mobile terminal. For example, when the application is WeChat, the user can input the account opening information through the official account of the bank in the WeChat. The account opening information includes the user's ID card number and mobile phone number. A communication connection is established between the mobile terminal and the application and the server of the bank. When the server obtains the account opening information input by the user in the application, the server judges whether the account opening information satisfies the preset condition, that is, judges whether the ID card number is 18 digits or 17 digits plus A letter, and judging whether the mobile phone number has 11 digits. When the server determines that the ID card number is 18 digits or 17 digits plus a letter, and the mobile phone number is 11 digits, that is, when the account opening information meets the preset conditions, the server obtains the user's face video. When the account opening does not meet the preset conditions, the server sends prompt information to the application, so that the application can receive the prompt information, and prompt the user according to the prompt information that the account opening information is wrong, please re-enter.

Recognition module 20, is used for recognizing the face image in described face video, obtains recognition result;

When the server acquires the human face video, it recognizes the human face image in the human face video, and obtains a recognition result.

Further, the identification module 20 includes:

A computing unit, configured to acquire the face image in the face video, and calculate the similarity between the face image and the pre-stored face image;

A determining unit, configured to determine that the face image recognition in the face video is successful when the similarity is greater than or equal to a preset similarity; The face image recognition in the face video failed.

Further, the server recognizes the face image in the face video, and the specific process of obtaining the recognition result is: the server obtains the face image in the face video and the pre-stored face image, and calculates the face image in the face video. The similarity between the face image and the pre-stored face image. Comparing the similarity between the human face image and the pre-stored human face image with the preset similarity, when the similarity is greater than or equal to the preset similarity, determine the human face in the human face video The image recognition is successful; when the similarity is less than the preset similarity, it is determined that the recognition of the face image in the face video fails. It should be noted that the preset face image is a face image pre-stored by the server, which is used for face recognition in the remote account opening process. The preset similarity can be set according to specific needs.

A sending module 30, configured to send the recognition result and the human face video to an asynchronous review system for the asynchronous review system to review the human face video according to the recognition result;

After the server obtains the recognition result of the face image, the server sends the recognition result and the face video to an asynchronous review system. When the asynchronous review system receives the recognition result and the face video, the asynchronous review system reviews the face video according to the recognition result, that is, prompts the asynchronous review system according to the recognition result. A reviewer reviews the face images in the face video. When the recognition result is that the face image recognition is successful, the asynchronous review system prompts the reviewer that the face image recognition is successful, please review the face image in the face video; when the recognition As a result, when the face image recognition fails, the asynchronous review system prompts the reviewer that the face image recognition fails, please review the face image in the face video again.

In the process of re-examining or re-examining the face image, when the reviewer determines that the face image has passed the review, the reviewer feeds back a prompt message of passing the review to the server through the asynchronous review system; when When the reviewer determines that the review of the face image fails, the reviewer feeds back a prompt message of review failure to the server through the asynchronous review system.

The execution module 40 is configured to perform an account opening operation according to the account opening information when receiving the prompt information that the face video has passed the review fed back by the asynchronous review system.

When the server receives the prompt information fed back by the asynchronous review system that the face video review has passed, the server performs an account opening operation according to the account opening information. Further, when the server successfully opens an account according to the account opening information, the server sends an account opening success message to the application, so that the application can prompt the user that the account opening is successful.

Further, the sending module 30 is also configured to send the reason for account opening failure to the application when receiving the prompt information of the face video review failure fed back by the asynchronous review system, so that the application can The reason for account opening failure mentioned above will prompt the user to fail to open an account.

Further, when the server receives the prompt information of the failure of the face video review fed back by the asynchronous review system, the server determines the reason for the account opening identification, and sends the account opening failure reason to the application , for the application to prompt the user that the account opening fails according to the reason for the account opening failure. It should be noted that the reasons for the account opening failure include, but are not limited to, the failure of face image recognition in the face video.

In this embodiment, when the account opening information input in the application of the mobile terminal is obtained and the account opening information satisfies the preset conditions, the face image in the obtained face video is recognized, and the obtained recognition result and the described The human face video is sent to the asynchronous review system for the asynchronous review system to review the human face video according to the recognition result. An account opening operation is performed according to the account opening information. In the process of remote account opening, on the basis of face recognition, the audio of the user who needs to open an account is obtained and the liveness detection is performed, and the face video is sent to the auditor of the asynchronous audit system for review, preventing illegal elements from using theft The account is opened with the image, which improves the correctness of user identification in the process of remote account opening.

Further, referring to FIG. 4, FIG. 4 is a schematic diagram of a functional module of the acquisition module in the embodiment of the present invention, and proposes a second embodiment of the remote account opening device of the present invention based on the first embodiment.

In this embodiment, the acquisition module 10 includes:

The sending unit 11 is configured to send a verification code to the mobile terminal when the account opening information input in the application is obtained and the account opening information satisfies a preset condition, so that the user can input the account opening information in the application. The verification code received by the mobile terminal;

The acquiring unit 12 is configured to acquire the user's face video when the verification code input in the application is received and the input verification code is consistent with the sent verification code.

When the server obtains the account opening information input by the user in the application, and the account opening information satisfies a preset condition, the server sends a verification code to the mobile terminal. When the mobile terminal receives the verification code, the application outputs prompt information on its display interface to prompt the user to input the verification code received by the mobile terminal within a preset time. When the application receives the verification code input by the user within the preset time, the application sends the verification code input by the user to the server. When the server receives the verification code input by the user in the application, the server compares the verification code input by the user with the verification code sent by it. When the verification code input by the user is consistent with the sent verification code, the server sends prompt information to the application, so that the application prompts the user to record a face video. When the application records the user's face video, the application sends the face video to the server, and the server acquires the face video. It should be noted that when the user fails to input the verification code received by the mobile terminal in the application within the preset time, the verification code becomes invalid, and the user can request the verification code again through the application. The above server sends a verification code. The preset time can be set according to specific needs.

Further, when the verification code input by the user is inconsistent with the sent verification code, the server sends a prompt message indicating that the verification code is wrong to the application, so that the application can prompt the user according to the prompt message of the wrong verification code The verification code entered is wrong. When the verification code input by the user is wrong, the user may request the server to send the verification code again through the application. In this embodiment, the verification code is a number.

Further, the sending unit 11 is also used to send the text to be read to the application when the verification code input in the application is received, and the input verification code is consistent with the sent verification code, for The user reads the text to be read while recording the face video;

The acquiring unit 12 is also used to acquire the face video sent by the application, wherein the face video includes the audio of the user reading the text to be read, and the audio captured during the process of reading the text to be read. face image.

Further, when the server receives the verification code input in the application, and the input verification code is consistent with the verification code sent by it, the server sends the text to be read to the application. When the application receives the text to be read, the application calls the camera to record the user's face video, and prompts the user to read the text to be read aloud during the recording of the face video, so that the During the user's face video process, the user's audio is obtained. When the application obtains the human face video through the camera, it sends the human face video to the server. The server receives the face video sent by the application, wherein the face video includes the audio of the user reading the text to be read, and the face image captured during the process of reading the text to be read. The text to be read may be numbers, Chinese, or English.

Further, the server stores the audio in the face video, uses the audio to perform a liveness test on the user, and stores the audio to ensure the authenticity of the user's identity.

In this embodiment, before acquiring the user's face video, the verification code is used to verify the authenticity of the account opening information, preventing the user from using false account opening information to open an account, and improving the correctness of user identification in the remote account opening process.

The serial numbers of the above embodiments of the present invention are for description only, and do not represent the advantages and disadvantages of the embodiments. Through the description of the above embodiments, those skilled in the art can clearly understand that the methods of the above embodiments can be implemented by means of software plus a necessary general-purpose hardware platform, and of course also by hardware, but in many cases the former is better implementation. Based on such an understanding, the essence of the technical solution of the present invention or the part that contributes to the prior art can be embodied in the form of software products, and the computer software products are stored in a storage medium (such as ROM/RAM, disk, CD) contains several instructions to enable a terminal device (which may be a mobile phone, a computer, a server, or a network device, etc.) to execute the methods described in various embodiments of the present invention.

The above are only preferred embodiments of the present invention, and are not intended to limit the patent scope of the present invention. Any equivalent structure or equivalent process conversion made by using the description of the present invention and the contents of the accompanying drawings, or directly or indirectly used in other related technical fields , are all included in the scope of patent protection of the present invention in the same way.

Claims (10)

1. A remote account opening method, characterized in that the remote account opening method comprises: When the account opening information input in the application of the mobile terminal is obtained, and the account opening information satisfies a preset condition, the face video of the user is obtained; Recognize the face image in the face video to obtain a recognition result; Send the recognition result and the human face video to an asynchronous review system for the asynchronous review system to review the human face video according to the recognition result; When receiving the prompt information fed back by the asynchronous review system that the face video review has passed, perform an account opening operation according to the account opening information. 2. The remote account opening method according to claim 1, wherein when the account opening information input in the application of the mobile terminal is obtained, and the account opening information satisfies preset conditions, the user's face video is obtained The steps include: When the account opening information input in the application is obtained and the account opening information meets the preset conditions, a verification code is sent to the mobile terminal for the user to input in the application the information received by the mobile terminal verification code; When the verification code input in the application is received and the input verification code is consistent with the sent verification code, the user's face video is acquired. 3. The remote account opening method according to claim 2, characterized in that, when the verification code input in the application is received and the input verification code is consistent with the sent verification code, the user's The steps of face video include: When the verification code input in the application is received and the input verification code is consistent with the sent verification code, the text to be read is sent to the application for the user to read when recording the face video Describe the text to be read; Acquiring the face video sent by the application, wherein the face video includes the audio of the user reading the text to be read, and the face image captured during the process of reading the text to be read. 4. The method for opening an account remotely as claimed in claim 1, wherein the step of identifying the face image in the face video and obtaining the recognition result comprises: Obtain the face image in the face video, and calculate the similarity between the face image and the pre-stored face image; When the similarity is greater than or equal to the preset similarity, it is determined that the face image recognition in the face video is successful; When the similarity is smaller than the preset similarity, it is determined that the face image recognition in the face video fails. 5. The remote account opening method according to any one of claims 1 to 4, wherein the recognition result and the face video are sent to an asynchronous review system for the asynchronous review system to After the step of reviewing the face video for the recognition result, it also includes: When the asynchronous review system receives the prompt information that the face video review fails, the reason for the account opening failure is sent to the application, so that the application can prompt the user to fail to open the account according to the reason for the account opening failure. 6. A remote account opening device, characterized in that the remote account opening device comprises: An acquisition module, configured to acquire the user's face video when the account opening information input in the application of the mobile terminal is acquired, and the account opening information satisfies a preset condition; A recognition module, configured to recognize a face image in the face video to obtain a recognition result; A sending module, configured to send the recognition result and the face video to an asynchronous review system for the asynchronous review system to review the face video according to the recognition result; An execution module, configured to perform an account opening operation according to the account opening information when receiving the prompt information that the face video review passed back from the asynchronous review system. 7. remote account opening device as claimed in claim 6, is characterized in that, described acquisition module comprises: a sending unit, configured to send a verification code to the mobile terminal when the account opening information input in the application is obtained and the account opening information satisfies a preset condition, so that the user can input the account opening information in the application The verification code received by the mobile terminal; The acquisition unit is configured to acquire the user's face video when the verification code input in the application is received and the input verification code is consistent with the sent verification code. 8. The remote account opening device according to claim 7, characterized in that, the sending unit is further configured to receive the verification code input in the application, and the input verification code is consistent with the sent verification code , send the text to be read to the application for the user to read the text to be read when recording the face video; The acquisition unit is also used to acquire the face video sent by the application, wherein the face video includes the audio of the user reading the text to be read, and the person captured during the process of reading the text to be read face image. 9. The remote account opening device according to claim 6, wherein the identification module comprises: A calculation unit, configured to acquire the face image in the face video, and calculate the similarity between the face image and the pre-stored face image; A determining unit, configured to determine that the face image recognition in the face video is successful when the similarity is greater than or equal to a preset similarity; The face image recognition in the face video failed. 10. The remote account opening device according to any one of claims 6 to 9, characterized in that, the sending module is also used for when receiving the prompt information that the face video review failed from the feedback of the asynchronous review system , sending the account opening failure reason to the application, so that the application can prompt the user account opening failure according to the account opening failure reason.