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CN111833038A - Bank account hooking method, system and device - Google Patents

Bank account hooking method, system and device Download PDF

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Publication number
CN111833038A
CN111833038A CN202010680632.2A CN202010680632A CN111833038A CN 111833038 A CN111833038 A CN 111833038A CN 202010680632 A CN202010680632 A CN 202010680632A CN 111833038 A CN111833038 A CN 111833038A
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bank account
information
amount
hooking
acquiring
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李玲君
张海阔
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Industrial and Commercial Bank of China Ltd ICBC
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Industrial and Commercial Bank of China Ltd ICBC
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Priority to CN202010680632.2A priority Critical patent/CN111833038A/en
Publication of CN111833038A publication Critical patent/CN111833038A/en
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    • GPHYSICS
    • G06COMPUTING OR CALCULATING; COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/10Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/102Bill distribution or payments
    • GPHYSICS
    • G06COMPUTING OR CALCULATING; COUNTING
    • G06KGRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K17/00Methods or arrangements for effecting co-operative working between equipments covered by two or more of main groups G06K1/00 - G06K15/00, e.g. automatic card files incorporating conveying and reading operations
    • GPHYSICS
    • G06COMPUTING OR CALCULATING; COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/04Payment circuits
    • G06Q20/042Payment circuits characterized in that the payment protocol involves at least one cheque
    • GPHYSICS
    • G06COMPUTING OR CALCULATING; COUNTING
    • G06VIMAGE OR VIDEO RECOGNITION OR UNDERSTANDING
    • G06V30/00Character recognition; Recognising digital ink; Document-oriented image-based pattern recognition
    • G06V30/40Document-oriented image-based pattern recognition
    • G06V30/41Analysis of document content
    • G06V30/412Layout analysis of documents structured with printed lines or input boxes, e.g. business forms or tables

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Theoretical Computer Science (AREA)
  • General Physics & Mathematics (AREA)
  • Physics & Mathematics (AREA)
  • Finance (AREA)
  • Computer Vision & Pattern Recognition (AREA)
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  • General Business, Economics & Management (AREA)
  • Multimedia (AREA)
  • Artificial Intelligence (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

A bank account hooking method, a system and a device are provided, wherein the hooking method comprises the following steps: acquiring check information of a first bank account through an image recognition technology, and acquiring second bank account information; and according to the check information, the first bank account is linked to a second bank account corresponding to the second bank account information. The bank account hooking method, the bank hooking system and the bank hooking device can automatically acquire the check information of the first bank account, reduce manual and manual operations of customers, and are more convenient and intelligent to use.

Description

Bank account hooking method, system and device
Technical Field
The invention relates to the technical field of banks, in particular to a method, a system and a device for hooking a bank account.
Background
With the development of socio-economy and the improvement of living standard of people, people have more and more demands on various businesses of banks, for example, hooking one bank account into another bank account.
However, the existing hooking process is complex, complicated in operation, easy to cause various risks such as check loss and poor in user experience.
Disclosure of Invention
In view of the above, the present invention has been made to provide a method, system and apparatus for hooking a bank account that overcomes or at least partially solves the above-mentioned problems.
According to a first aspect of the invention, a method for hooking a bank account is provided, which comprises the following steps: acquiring check information of a first bank account through an image recognition technology, and acquiring second bank account information; and according to the check information, the first bank account is linked to a second bank account corresponding to the second bank account information.
Optionally, the obtaining the check information of the first bank account, obtaining the second bank account information, and before the hanging the first bank account to the second bank account further includes: verifying that the first bank account is linked to the second bank account; and only if the verification is passed, the first bank account is hooked to the second bank account.
Optionally, verifying that the first bank account is hooked to the second bank account includes: controlling the second bank account to remit the first amount of money to the first bank account; receiving amount confirmation information that the remittance of the first amount to the first bank account by the second bank account is completed; and passing the verification comprises: and finishing the operation of controlling the second bank account to send money of the first amount to the first bank account and receiving the amount confirmation information.
Optionally, verifying that the first bank account is hooked to the second bank account further includes: recording the value of the first amount; receiving numerical information of a second amount; comparing the value of the first amount to the value of the second amount; after the numerical value of the first amount is recorded and is used for controlling the second bank account to send the money of the first amount to the first bank account, the numerical information of the second amount is received and is positioned after the amount confirmation information is received; the passing of the verification includes: and finishing the operation of controlling the second bank account to remit the first amount of money to the first bank account and receiving the amount confirmation information, wherein the value of the first amount of money and the value of the second amount of money meet preset conditions.
Optionally, the value of the first amount is randomly generated; and the preset conditions include: the value of the first amount is equal to the value of the second amount.
Optionally, the obtaining the check information of the first bank account, obtaining the second bank account information, and before the hanging the first bank account to the second bank account further includes: obtaining the examination and approval result of the check information of the first bank; and if the verification is passed and the approval result is passed, hanging the first bank account to the second bank account.
Optionally, the obtaining the check information of the first bank account, obtaining the second bank account information, and before the hanging the first bank account to the second bank account further includes: acquiring an application for storing the check information; and saving the check information.
Optionally, the obtaining the check information of the first bank account and the obtaining the second bank account information further include: acquiring application information of the first bank account linked to the second bank account; and acquiring the check information of the first bank account and acquiring the information of the second bank account after acquiring the application information of the first bank account linked to the second bank account.
Optionally, the obtaining the check information of the first bank account, obtaining the second bank account information, and before the hanging the first bank account to the second bank account further includes: obtaining the confirmation information without error of the check information; and the operation of hanging the first bank account to the second bank account is executed after the confirmation information is acquired.
Optionally, the hitching method further comprises: acquiring progress inquiry information for inquiring that the first bank account is linked to the second bank account; and outputting the progress information of the first bank account linked to the second bank account according to the progress query information.
According to the second aspect of the present invention, there is also provided an hooking system for a bank account, including a computer-readable storage medium, a processor, and a program stored on the computer-readable storage medium and executable on the processor, wherein the program, when executed by the processor, implements any of the hooking methods described above.
According to a third aspect of the present invention, there is also provided a hooking device for bank account, including: the acquisition module is used for acquiring the check information of the first bank account through an image recognition technology and acquiring the information of the second bank account; and the hooking module is used for hooking the first bank account to a second bank account corresponding to the second bank account information according to the check information.
The bank account hooking method, the bank hooking system and the bank account hooking device can automatically acquire the check information of the first bank account through the image recognition technology, reduce manual and manual operations of customers, and are more convenient and intelligent to use. And the flow is simplified, the operation is simple, various risks such as check loss are reduced, and the user experience effect is good. The customer does not need to input information manually, and meanwhile, the customer does not need to visit a website and send checks, so that the time and cost of the customer are saved, the customer ticket storage and hanging operation are greatly facilitated, and the usability experience of the customer is effectively improved.
According to the bank account hooking method, the bank hooking system and the bank account hooking device, the hooking of the first bank account and the second bank account is completed through the check storage business, and the functions of self-service check storage and account hooking are realized. By the bank account hooking method, the bank hooking system and the bank account hooking device, the account hooking experience of individual bank customers is effectively improved, business exchange among banks is promoted, manual operation and manual operation of customers are reduced, and the bank account hooking system is more convenient and intelligent to use. And a plurality of processes can be developed simultaneously, so that the application process is simplified, the application time is saved, and the customer experience is improved.
Drawings
Other objects and advantages of the present invention will become apparent from the following description of the invention which refers to the accompanying drawings, and may assist in a comprehensive understanding of the invention.
Fig. 1 is a schematic diagram of a method for hooking a bank account according to an embodiment of the invention;
fig. 2 is an application scenario diagram of a bank account hooking method according to an embodiment of the invention;
fig. 3 is a flowchart illustrating an implementation of a method for hooking a bank account according to an embodiment of the present invention;
fig. 4 is a flowchart illustrating an implementation of a method for hooking a bank account according to another embodiment of the present invention;
FIG. 5 is a schematic diagram of an implementation body of a bank account hooking method according to an embodiment of the invention;
FIG. 6 is a block diagram of a bank account attach system according to one embodiment of the invention;
fig. 7 is a block diagram of a bank account hooking device according to an embodiment of the invention.
It is noted that the drawings are not necessarily to scale and are merely illustrative in nature and not intended to obscure the reader.
Wherein 10 is an hooking system of a bank account, 100 is a computer readable storage medium, 110 is a program, 200 is a processor, 20 is an hooking device of the bank account, 300 is an acquisition module, and 400 is an hooking module.
Detailed Description
In order to make the objects, technical solutions and advantages of the present invention more apparent, the technical solutions of the present invention will be described clearly and completely with reference to the accompanying drawings of the embodiments of the present invention. It should be apparent that the described embodiment is one embodiment of the invention, and not all embodiments. All other embodiments, which can be derived by a person skilled in the art from the described embodiments of the invention without any inventive step, are within the scope of protection of the invention.
Unless defined otherwise, technical or scientific terms used herein shall have the ordinary meaning as understood by one of ordinary skill in the art to which this invention belongs.
An embodiment of the present invention first provides a method for hooking a bank account, fig. 1 is a schematic diagram of a method for hooking a bank account according to an embodiment of the present invention, and fig. 2 is an application scenario diagram of a method for hooking a bank account according to an embodiment of the present invention. As shown in fig. 1, the method for hooking a bank account includes:
s102, the check information of the first bank account is obtained through an image recognition technology, and the information of the second bank account is obtained. The check information may include information such as a first bank network point number, a first bank line number, a first bank account number, and a hanging amount on the check, and the second bank account information may include information such as an account number, a line number, and a network point number of the second bank.
And S104, the first bank account is linked to a second bank account corresponding to the second bank account information according to the check information.
As will be appreciated by those skilled in the art, image recognition techniques are an important area of artificial intelligence. It refers to a technique of performing object recognition on an image to recognize various different modes of objects and objects. Since the image recognition technique itself is well known to those skilled in the art, it will not be described herein. Specifically, as shown in fig. 2, the user may take pictures of the front and back sides of the check through an intelligent terminal, such as a mobile phone, a tablet, and the like, so as to obtain the check information of the first bank account by himself.
In the check information of the first bank account is obtained through the image recognition technology, the check information of the first bank account can be obtained through scanning a two-dimensional code, a magnetic bar code or a bar code on a check through an intelligent terminal. The hooking method can automatically identify check information, reduce manual operation of customers, avoid excessive manual input contents of the customers, reduce transaction time and improve customer experience.
In some embodiments of the present invention, after obtaining the check information of the first bank account, and after obtaining the second bank account information, and before hanging the first bank account to the second bank account, the method further includes: and verifying that the first bank account is linked to the second bank account. The first bank account may be affiliated to the second bank account only if the authentication is passed.
In some embodiments of the invention, verifying that the first bank account is affiliated with the second bank account may comprise: and controlling the second bank account to send the first amount of money to the first bank account, and receiving the amount confirmation information that the second bank account finishes sending the first amount of money to the first bank account. The amount confirmation information may be sent by the customer and indicates that the second bank account has completed remittance of the first amount to the first bank account, for example, the customer sends the information through an intelligent terminal, and after controlling the second bank account to remittance of the first amount to the first bank account, the customer may inquire the information through an APP on the intelligent terminal.
In this embodiment of the present invention, the verifying may further include performing an operation of controlling the second bank account to remit the first amount of money to the first bank account and receiving the amount confirmation information.
In further embodiments of the present invention, verifying that the first bank account is affiliated with the second bank account may further include: recording the value of the first amount, receiving the value information of the second amount, and comparing the value of the first amount with the value of the second amount. Wherein the number of comparisons may also be recorded. The value information of the second amount may be sent by the customer, for example, the customer may send through the smart terminal.
And after the numerical value of the first amount is recorded and the second bank account is controlled to send the first amount to the first bank account, the numerical information of the second amount is received and the amount confirmation information is received. In this embodiment of the present invention, the verifying includes completing an operation of controlling the second bank account to send the money of the first amount to the first bank account, and receiving the amount confirmation information, where the value of the first amount and the value of the second amount satisfy a preset condition.
The preset condition may be that the value of the first amount is equal to the value of the second amount, so as to improve the accuracy of verification. Specifically, after receiving a first amount remitted from the second bank account to the first bank account, the customer logs in to the second mobile bank terminal, sends amount confirmation information indicating that the second bank account has remitted to the first bank account, and sends numerical value information of the second amount, and passes the verification when the numerical value of the first amount is equal to the numerical value of the second amount.
The value of the first amount may be randomly generated, that is, the value of the first amount may be different at different operations, and specifically, a value range may be set, within which the value of the first amount randomly generated at each time is within the value range, and the value range may be set to be smaller in all values, for example, the value range is less than 1 yuan, or the like.
In some embodiments of the present invention, after obtaining the check information of the first bank account, and after obtaining the second bank account information, and before hanging the first bank account to the second bank account, the method further includes: and obtaining the examination and approval result of the check information of the first bank. And if the verification is passed and the approval result is passed, the first bank account is hung to the second bank account.
In some embodiments of the present invention, the approval result may be obtained by analyzing the check information, may be automatically analyzed by the system, or may be analyzed by the staff, that is, the check information is approved and approved while being synchronized on the counter. As will be appreciated by those skilled in the art, obtaining the approval result of the first bank's checking information and verifying the first bank account's hanging to the second bank account may be performed simultaneously, thereby saving time.
Obtaining the check information of the first bank account, obtaining the second bank account information, and before hanging the first bank account to the second bank account may further include: and acquiring an application for storing the check information, and storing the check information. The check information storage state can be automatically scanned, and the hooking of the first bank account is completed by combining the verification result.
The obtaining the check information of the first bank account and the obtaining the second bank account information may further include: and acquiring application information of the first bank account linked to the second bank account. And acquiring the check information of the first bank account and acquiring the information of the second bank account when acquiring the application information of the first bank account linked to the second bank account. The customer can enter an overseas personal mobile phone APP through the mobile phone APP, and then select the hooking application service to send out application information of the first bank account hooked to the second bank account. It will be appreciated by those skilled in the art that the customer may also choose to have the account number and amount tied to the second bank when issuing the application message.
When the check information of the first bank account is acquired by self through the image recognition technology. Obtaining the check information of the first bank account, obtaining the second bank account information, and before hanging the first bank account to the second bank account may include: and acquiring the confirmation information without error of the check information of the first bank account acquired by the image recognition technology. And the operation of hanging the first bank account to the second bank account is executed after the confirmation information is acquired. The customer can confirm the photographed result and input content of the check, and can send out confirmation information after confirming that the check is correct.
The hitching method may further comprise: and acquiring progress inquiry information for inquiring that the first bank account is linked to the second bank account. And outputting the progress information of the first bank account linked to the second bank account according to the progress query information. So that the customer can know the hooking application progress in real time.
As can be appreciated by those skilled in the art, after the hooking is completed, the user can log in the mobile phone bank of the second bank by using the personal account password, so that the account information of the first bank can be checked, and the account is transferred to the first bank account.
In some embodiments of the present invention, if the check information is stored in the process of generating a behavior such as returning a bill, the second bank account which is already hung in the first bank account can be removed from being hung, and the related functions cannot be used.
The hooking method of the embodiment of the invention can automatically identify the check information, reduce the manual operation of the client, avoid the excessive manual input content of the client, reduce the transaction time, improve the client experience, and cancel the link of mailing the check when handling in different places, avoid the problem of the loss of the check or delay of the service time possibly caused by mailing, obtain the approval result of the check information of the first bank and verify that the first bank account is hooked to the second bank account at the same time, and have no dependency on the front and back relationship, thereby shortening the waiting time of the client.
Fig. 3 is an execution flowchart of a bank account hooking method according to an embodiment of the present invention, and as shown in fig. 3, the hooking method according to the embodiment of the present invention includes:
s302, check information of the first bank account is obtained through an image recognition technology, and information of the second bank account is obtained.
S304, controlling the second bank account to send money of the first amount to the first bank account.
S306, recording the value of the first amount.
S308, receiving the money confirmation information.
S310, receiving numerical value information of the second amount.
S312, comparing the value of the first amount with the value of the second amount.
S314, under the condition of passing the verification, the first bank account is hung to the second bank account according to the check information.
The verification comprises the steps of finishing the operation of controlling the second bank account to send the first amount of money to the first bank account, and receiving the amount confirmation information, wherein the value of the first amount of money and the value of the second amount of money meet preset conditions.
The preset condition may be that the value of the first amount is equal to the value of the second amount, so as to improve the accuracy of verification.
After the hooking is finished, the user can log in a mobile phone bank of a second bank by using the personal account password, so that the account information of the first bank can be checked, and the account is transferred to the account of the first bank. In some embodiments of the present invention, if the check information is stored in the process of generating a behavior such as returning a bill, the second bank account which is already hung in the first bank account can be removed from being hung, and the related functions cannot be used.
Fig. 4 is a flowchart of an execution of a method for hooking a bank account according to another embodiment of the present invention, and as shown in fig. 4, the method for hooking a bank account according to the embodiment of the present invention includes:
s402, acquiring application information of the first bank account linked to the second bank account.
S404, the check information of the first bank account is obtained through the image recognition technology, and the information of the second bank account is obtained.
S406, obtaining the examination and approval result of the check information of the first bank. As will be appreciated by those skilled in the art, obtaining the approval result of the first bank's checking information and verifying the first bank account's hanging to the second bank account may be performed simultaneously, thereby saving time.
S408, acquiring progress inquiry information for inquiring the first bank account to be linked to the second bank account. The progress query information may be issued by the client, e.g., the client via APP.
S410, outputting the progress information of the first bank account being linked to the second bank account according to the progress query information. So that the customer can know the hooking application progress in real time.
As will be understood by those skilled in the art, the order of acquiring the progress query information for querying the first bank account to be linked to the second bank account and outputting the progress information for querying the first bank account to be linked to the second bank account according to the progress query information is not fixed, and may be in other locations, for example, between S404 and S406.
S412, obtaining the confirmation information without error of the check information.
S414, verifying that the first bank account is linked to the second bank account. Verifying that the first bank account is affiliated with the second bank account may include: controlling the second bank account to send the first amount of money to the first bank account, receiving the first amount of money sent by the second bank account to the first bank account, recording the value of the first amount of money, receiving the value information of the second amount of money, comparing the value of the first amount of money with the value of the second amount of money, and the like.
S416, acquiring an application for saving the check information. The application may be issued by the client, for example, via an APP.
S418, according to the check information, the first bank account is connected to the second bank account, and the check information is stored.
After the hooking is finished, the user can log in a mobile phone bank of a second bank by using the personal account password, so that the account information of the first bank can be checked, and the account is transferred to the account of the first bank. In some embodiments of the present invention, if the check information is stored in the process of generating a behavior such as returning a bill, the second bank account which is already hung in the first bank account can be removed from being hung, and the related functions cannot be used.
Fig. 5 is a schematic diagram of an implementation body of a bank account hooking method according to an embodiment of the invention.
As shown in fig. 5, the hooking method according to the embodiment of the present invention may include operations such as initiating an application, taking a picture of a check, confirming, obtaining a first amount of money, applying for a ticket deposit, and ending at the APP end, operations such as image recognition operation at the image recognition end, operations such as generating a first amount of money at the service interaction end, operations such as saving a check at the host, and operations such as obtaining a second amount of money at the CFF end.
Firstly, a client can send application information through the APP, the intelligent terminal takes pictures of the check and inputs some element information, then the image recognition end recognizes the photo to obtain the check information, and then the customer can send out the confirmation information after confirming the check information is correct at the APP end, then the service delivery end generates the value of the first amount of money, corresponding transfer is carried out, the client can check the acquired first amount of money at the APP end, then sending the amount confirmation information and the numerical information of the second amount, after the CFF terminal obtains the amount confirmation information and the numerical information of the second amount, the user can send an application for storing the check information at the APP terminal, then the host side saves the check, at this time, the operation of linking the first bank account to the second bank account corresponding to the second bank account information is completed, and finally the client can end the operation at the APP side.
An embodiment of the present invention further provides an account hooking system 10, and fig. 6 is a block diagram of the account hooking system 10 according to an embodiment of the present invention.
The hitching system 10 comprises a computer readable storage medium 100, a processor 200 and a program 110 stored on said computer readable storage medium 100 and executable on said processor 200, said program 110 implementing any of the hitching methods described above when executed by said processor 200. Wherein the computer readable storage medium may also be referred to as memory.
The processor 200 may perform various appropriate actions and processes according to a program stored in a Read Only Memory (ROM) or the program 110 loaded into a Random Access Memory (RAM). Processor 200 may include, for example, a general purpose microprocessor (e.g., a CPU), an instruction set processor and/or associated chipset, and/or a special purpose microprocessor (e.g., an Application Specific Integrated Circuit (ASIC)), among others. The processor 200 may also include on-board memory for caching purposes. Processor 200 may include a single processing unit or multiple processing units for performing different actions of a method flow according to embodiments of the disclosure.
In the RAM, various programs 110 and data necessary for the operation of the hook system 10 are stored. The processor 200, the ROM, and the RAM are connected to each other through a bus. The processor 200 performs various operations of the method flows according to embodiments of the present disclosure by executing the programs 110 in ROM and/or RAM. It is noted that the program 110 may also be stored in one or more memories other than ROM and RAM. The processor 200 may also perform various operations of method flows according to embodiments of the present disclosure by executing the programs 110 stored in the one or more memories.
According to embodiments of the present disclosure, the hitching system 10 may also include an input/output (I/O) interface that is also connected to the bus. The hitching system 10 may also comprise one or more of the following components connected to the I/O interface: an input section including a keyboard, a mouse, and the like; an output section including a display such as a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and the like, and a speaker; a storage section including a hard disk and the like; and a communication section including a network interface card such as a LAN card, a modem, or the like. The communication section performs communication processing via a network such as the internet. The drive is also connected to the I/O interface as needed. A removable medium such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is mounted on the drive as necessary, so that a computer program read out therefrom is mounted into the storage section as necessary.
According to embodiments of the present disclosure, method flows according to embodiments of the present disclosure may be implemented as computer software programs. For example, embodiments of the present disclosure include a computer program product comprising a computer program embodied on a computer readable storage medium, the computer program containing program code for performing the method illustrated by the flow chart. In such an embodiment, the computer program may be downloaded and installed from a network via the communication section, and/or installed from a removable medium. The computer program, when executed by the processor 200, performs the above-described functions defined in the system of the embodiments of the present disclosure.
Those skilled in the art will appreciate that the computer-readable storage medium 100 may include, but is not limited to, non-volatile or volatile storage media such as Random Access Memory (RAM), static RAM, dynamic RAM, Read Only Memory (ROM), programmable ROM, erasable programmable ROM, electrically erasable programmable ROM, flash memory, Secure Digital (SD) cards, and the like.
The computer-readable storage medium may further store various information such as a serial number of the instruction 110, a first bank account number, a first bank website number, an account of another bank, a check number, a state of the docking system 10, a docked/deposited account number, a docked amount, a currency, a website number, a first amount value, a second amount value, a number and a state of verification, an image number, an account website number, a proposed website number, an audit website number, a night field flag, a region area number, a commit time, and a last modification time.
Fig. 7 is a block diagram of a bank account hooking device 20 according to an embodiment of the present invention. The bank account hooking device 20 comprises an acquisition module 300 and a hooking module 400.
The obtaining module 300 is configured to obtain the check information of the first bank account through an image recognition technology, and obtain the second bank account information. The hooking module 400 is configured to hook the first bank account to a second bank account corresponding to the second bank account information according to the check information.
The hooking device 20 of the bank account number may further include a verification module, the verification module is configured to verify that the first bank account is hooked to the second bank account, and the hooking module 400 hooks the first bank account to the second bank account only when the verification is passed.
The verification module may be configured to control the second bank account to remit a first amount of money to the first bank account, receive amount confirmation information, record a value of the first amount of money, receive value information of a second amount of money, and compare the value of the first amount of money and the value of the second amount of money.
The obtaining module 300 may further be configured to obtain an approval result of the check information of the first bank, obtain an application for storing the check information, obtain application information that the first bank account is registered to the second bank account, obtain confirmation information that the check information is error-free, and obtain progress query information that the first bank account is registered to the second bank account.
The bank account hooking method and system 10 and the hooking device 20 of the bank account, provided by the embodiment of the invention, can simplify the operation of customers, automatically complete information acquisition as far as possible, improve the usability of the customers, automatically recognize check information through a mobile phone APP, do not need the customers to manually input information, do not need the customers to visit a website and send checks, save the time and cost of the customers, greatly facilitate the customer ticket storage and hooking operation, and effectively improve the usability experience of the customers. The method has the advantages that the business development among banks is promoted, the self-help connection of bank accounts is further realized in a self-help ticket depositing mode, further overseas customers can also realize transfer operation among accounts through mobile phones or internet banking, the transfer and remittance business of overseas branches is enriched, and the business exchange among the banks is promoted. And the customer can finish account number hooking application by self according to the prompt, hooking money verification and deposit approval processes can be carried out simultaneously, and the system background finishes hooking automatically, so that the application process is simplified, the application time is saved, and the customer experience is improved.
It should also be noted that, in the case of the embodiments of the present invention, features of the embodiments and examples may be combined with each other to obtain a new embodiment without conflict.
The above description is only an embodiment of the present invention, but the scope of the present invention is not limited thereto, and the scope of the present invention is subject to the scope of the claims.

Claims (12)

1. A method for hooking a bank account number comprises the following steps:
acquiring check information of a first bank account through an image recognition technology, and acquiring second bank account information;
and according to the check information, the first bank account is linked to a second bank account corresponding to the second bank account information.
2. The hooking method according to claim 1, wherein after acquiring the check information of the first bank account and the second bank account information, and before hooking the first bank account to the second bank account further comprises:
verifying that the first bank account is linked to the second bank account; and only if the verification is passed, the first bank account is hooked to the second bank account.
3. The hooking method of claim 2, wherein verifying that the first bank account is hooked to the second bank account comprises:
controlling the second bank account to remit the first amount of money to the first bank account;
receiving amount confirmation information that the remittance of the first amount to the first bank account by the second bank account is completed; and passing the verification comprises:
and finishing the operation of controlling the second bank account to send money of the first amount to the first bank account and receiving the amount confirmation information.
4. The hooking method of claim 3, wherein verifying that the first bank account is hooked to the second bank account further comprises:
recording the value of the first amount;
receiving numerical information of a second amount;
comparing the value of the first amount to the value of the second amount; and is
Recording that the numerical value of the first amount is after controlling the second bank account to remit the first amount to the first bank account, and receiving numerical information of a second amount is after receiving the amount confirmation information; the passing of the verification includes:
and finishing the operation of controlling the second bank account to remit the first amount of money to the first bank account and receiving the amount confirmation information, wherein the value of the first amount of money and the value of the second amount of money meet preset conditions.
5. The hitch method of claim 4, wherein the value of the first amount is randomly generated; and the preset conditions include:
the value of the first amount is equal to the value of the second amount.
6. The hooking method according to claim 2, wherein after acquiring the check information of the first bank account and the second bank account information, and before hooking the first bank account to the second bank account further comprises:
obtaining the examination and approval result of the check information of the first bank; and if the verification is passed and the approval result is passed, hanging the first bank account to the second bank account.
7. The hooking method according to claim 1, wherein after acquiring the check information of the first bank account and the second bank account information, and before hooking the first bank account to the second bank account further comprises:
acquiring an application for storing the check information;
and saving the check information.
8. The hooking method according to claim 1, wherein before acquiring the check information of the first bank account and acquiring the second bank account information, further comprising:
acquiring application information of the first bank account linked to the second bank account; and is
And acquiring the check information of the first bank account and acquiring the information of the second bank account after acquiring the application information of the first bank account linked to the second bank account.
9. The hooking method according to claim 1, wherein after acquiring the check information of the first bank account and the second bank account information, and before hooking the first bank account to the second bank account further comprises:
obtaining the confirmation information without error of the check information; and is
And after the confirmation information is acquired, the operation of hanging the first bank account to the second bank account is executed.
10. The hitch method of claim 1, further comprising:
acquiring progress inquiry information for inquiring that the first bank account is linked to the second bank account;
and outputting the progress information of the first bank account linked to the second bank account according to the progress query information.
11. An hooking system of a bank account number, comprising a computer readable storage medium, a processor and a program stored on the computer readable storage medium and executable on the processor, the program, when executed by the processor, implementing an hooking method as claimed in any one of claims 1 to 10.
12. An account number hooking device for a bank, comprising:
the acquisition module is used for acquiring the check information of the first bank account through an image recognition technology and acquiring the information of the second bank account;
and the hooking module is used for hooking the first bank account to a second bank account corresponding to the second bank account information according to the check information.
CN202010680632.2A 2020-07-15 2020-07-15 Bank account hooking method, system and device Pending CN111833038A (en)

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Application publication date: 20201027