CN111833176A - Financial account opening method, financial account opening device and financial account opening system - Google Patents
Financial account opening method, financial account opening device and financial account opening system Download PDFInfo
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- CN111833176A CN111833176A CN202010650623.9A CN202010650623A CN111833176A CN 111833176 A CN111833176 A CN 111833176A CN 202010650623 A CN202010650623 A CN 202010650623A CN 111833176 A CN111833176 A CN 111833176A
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Abstract
The invention discloses an account opening method, an account opening device and an account opening system for financial accounts, wherein the account opening method comprises the steps of obtaining a financial account list to be opened of a user, obtaining identity information of the user, and judging whether the identity information of the user meets account opening requirements of financial accounts in the financial account list to be opened; moreover, the management of a plurality of financial accounts by the user is facilitated.
Description
Technical Field
The invention relates to the technical field of finance, in particular to an account opening method, an account opening device and an account opening system for a financial account.
Background
With the rapid development and continuous progress of direct-selling banks in China, the electronic account is the basis for financial units such as banks, credit cards, insurance companies and the like to provide network financial services for customers, and the credit card number or the bank account number of the customer is used as the identification of an electronic merchant. However, since the financial products provided by different financial units for the customer are different, when the customer needs to purchase the financial products provided by different financial units, different financial account numbers need to be opened for the different financial units, so that when the customer needs to purchase a plurality of financial products of a plurality of financial accounts at one time, the customer needs to repeatedly perform the creating steps of the financial accounts for many times, and meanwhile, the customer also needs to submit account opening data of the financial accounts to different service terminals for managing the financial accounts every time the financial accounts are created, which is not only tedious in procedure, but also prone to errors.
Disclosure of Invention
The invention provides an account opening method, an account opening device and an account opening system for financial accounts, which can open a plurality of financial accounts at one time, not only facilitate the account opening of users, but also facilitate the management of personal information of the financial accounts.
The technical scheme adopted by the invention specifically comprises the following contents:
an account opening method for financial accounts, the account opening method comprising:
acquiring a financial account list to be opened of a user;
acquiring identity information of a user;
judging whether the identity information of the user meets the account opening requirement of the financial account in the financial account list to be opened or not;
and when the identity information of the user meets the account opening requirement of the financial accounts in the financial account list to be opened, sequentially opening the financial accounts in the financial account list to be opened.
Preferably, the step of obtaining the to-be-opened financial account list of the user includes:
acquiring a list of openable financial accounts of a user;
acquiring financial account information corresponding to a bank card of a user based on the list of openable financial accounts;
and determining a financial account list to be opened based on the financial account information.
Preferably, the financial account information includes financial accounts that can be opened by the bank card, and the opening status of each financial account.
Preferably, the financial account list to be opened includes financial accounts of which the opening states of the financial accounts which can be supported by the bank card are not opened.
Preferably, the acquiring the identity information of the user includes:
obtaining the authorization of a user, wherein the authorization mode of the user at least comprises one of fingerprint authorization, password authorization and face recognition authorization;
and acquiring the identity information of the user by using the NFC equipment and/or the EID equipment.
Preferably, when the identity information of the user meets the account opening requirement of the financial accounts in the to-be-opened financial account list, sequentially opening the financial accounts in the to-be-opened financial account list includes:
determining the property of the financial account in the financial account list to be opened;
determining the account opening sequence of the financial accounts in the financial account list to be opened based on the properties of the financial accounts;
and sequentially opening the financial accounts in the financial account list to be opened according to the opening sequence and the opening requirement of the financial accounts in the financial account list to be opened.
Preferably, the properties of the financial accounts in the financial account list to be opened include an account-opening property and a special account property.
As a preferable aspect of the foregoing solution, before determining the property of the financial account in the to-be-opened financial account list, the method further includes: it is determined whether the financial accounts in the list of financial accounts to be opened are within an account-openable transaction time.
The invention also discloses an account opening device of the financial account, which comprises a memory and a processor connected with the memory, wherein the memory is used for storing the program codes, and the account opening method of the financial account is realized when the processor calls the program codes stored in the memory.
The invention also discloses an account opening system of the financial account, which comprises the following steps:
the first acquisition module is used for acquiring a financial account list to be opened of a user;
the second acquisition module is used for acquiring the identity information of the user;
the judging module is used for judging whether the identity information of the user meets the account opening requirement of the financial account in the financial account list to be opened;
and the creating module sequentially opens the financial accounts in the financial account list to be opened when the judging module judges that the identity information of the user meets the account opening requirement of the financial accounts in the financial account list to be opened.
Compared with the prior art, the invention has the beneficial effects that:
the invention discloses an account opening method, an account opening device and an account opening system for financial accounts, wherein the account opening method comprises the steps of obtaining a financial account list to be opened of a user, obtaining identity information of the user, judging whether the identity information of the user meets account opening requirements of financial accounts in the financial account list to be opened or not, and opening the financial accounts in the financial account list to be opened in sequence when the identity information of the user meets the account opening requirements of the financial accounts in the financial account list to be opened; moreover, the management of a plurality of financial accounts by the user is facilitated.
The foregoing description is only an overview of the technical solutions of the present invention, and in order to make the technical means of the present invention more clearly understood, the present invention may be implemented in accordance with the content of the description, and in order to make the above and other objects, features, and advantages of the present invention more clearly understandable, the following specific preferred embodiments are described in detail.
Drawings
FIG. 1 is a flow chart illustrating a method for opening an account of a financial account according to a preferred embodiment of the present invention;
FIG. 2 is a schematic diagram of an account opening device for financial accounts according to the present disclosure;
FIG. 3 is a schematic diagram of an account opening system for financial accounts according to the present disclosure;
wherein the reference numerals in fig. 2-3 are:
1. a memory; 2. a processor; 3. a first acquisition module; 4. a second acquisition module; 5. a judgment module; 6. a creation module; 7. a first acquisition unit; 8. a second acquisition unit; 9. a determination unit; 10. an authorization unit; 11. a third acquisition unit; 12. a property determination unit; 13. an account opening order determining unit; 14. an account opening unit; 15. and an authentication unit.
Detailed Description
To further illustrate the technical means and effects of the present invention adopted to achieve the predetermined objects, the following detailed description of the embodiments, structures, features and effects according to the present invention with reference to the preferred embodiments is as follows:
example one
The embodiment discloses an account opening method for financial accounts, which includes the following steps, as shown in fig. 1:
101. and acquiring a list of financial accounts to be opened of the user.
102. The method comprises the steps of obtaining identity information of a user, wherein the identity information of the user comprises a name, an identity card number, a mobile phone number, an address, an identity card validity period, bank card information, transaction password safety information, human body living body detection information and the like of the user.
103. Judging whether the identity information of the user meets the account opening requirement of the financial account in the financial account list to be opened or not;
104. and when the identity information of the user meets the account opening requirement of the financial accounts in the financial account list to be opened, sequentially opening the financial accounts in the financial account list to be opened.
The account opening method disclosed by the invention can open the plurality of financial accounts in the financial account list to be opened in sequence only by acquiring the identity information once, does not need a user to provide identity data for many times, does not need the user to execute account opening operation for many times, and facilitates the account opening operation of the financial accounts of the user; moreover, the management of a plurality of financial accounts by the user is facilitated; moreover, because the identification data is only required to be provided once, the problem that the financial account cannot be normally opened due to errors caused by multiple times of data providing can be avoided.
As a further preferred scheme, the acquiring the to-be-opened financial account list of the user includes:
the method comprises the steps of obtaining an openable financial account list of a user, wherein the openable financial account list comprises all financial accounts which can be opened by the user, so that the user can know all financial accounts which can be opened by the user through the openable financial account list.
In the present invention, the financial account refers to an account for various financial transactions that occur in a certain period of time, and refers to an ownership transaction in which the external property and the liability ownership change in one country's economy. Financial account records and accounting all transactions involving financial asset and liability variations that occur between institutional units and abroad, including both transactions between financial instruments and non-financial instruments.
The financial accounts comprise first-class bank accounts, second-class bank accounts and the like, wherein the first-class bank accounts comprise accounts set up in direct sales banks and internet banks such as micro-people banks and the like; the second kind of bank accounts can handle deposit, buy bank investment and financing products, consume and pay fees, etc., and the biggest difference between the second kind of bank accounts and the first kind of bank accounts is that the second kind of bank accounts can not access cash and can not transfer accounts to unbound ones.
The financial account information corresponding to the bank card of the user is acquired based on the list of the financial accounts capable of being opened, specifically, the financial account information includes financial accounts capable of being opened by the bank card and the opening state of each financial account, which is because each financial account is bound with one or more bank cards of the user, so that the financial accounts capable of being opened by the bank card can be determined through the bank card of the user, and further financial accounts not yet opened in the financial accounts capable of being opened are determined.
And determining a financial account list to be opened based on the financial account information, specifically, because the financial account information includes financial accounts which can be opened by the bank card and the opening state of each financial account, as a further preferable scheme, the financial account list to be opened includes financial accounts which can be opened by the bank card and whose opening state is not opened.
As a further preferred scheme, the acquiring identity information of the user includes:
the authorization of the user is obtained, and the authorization mode of the user at least comprises one of fingerprint authorization, password authorization and face recognition authorization, and the purpose of the authorization mode is to confirm the authenticity of the identity of the user so as to ensure the security of financial account opening.
The NFC device is used to obtain the identity information of the user, and it should be noted that in the present invention, the NFC device is a terminal with an NFC function, such as a mobile phone, an IPAD, and the like. The NFC equipment is used for reading the identity card information of the user, the front side and the aspect of the user identity card do not need to be photographed and identified when the NFC equipment is used, and the identification speed is high; and when the NFC equipment is used for reading the identity card of the user, the NFC equipment is used for reading the information of the safety encryption chip of the identity card of the user, so that the accuracy is high, and the NFC equipment can be used for quickly and accurately acquiring the identity information of the user.
In other embodiments, the EID device is used to obtain the identity information of the user, and it should be noted that the EID device is a device capable of reading the EID electronic identity card of the user, because the EID electronic identity card is digitally signed by using an asymmetric encryption algorithm, the EID electronic identity card encrypts the digest information by using a private key, and a party holding a public key decrypts and verifies the digest information by using the public key, so that identity authentication and authorization are realized, and the EID electronic identity card has non-repudiation property; moreover, the EID equipment can only verify the authenticity of the user identity through the EID electronic identity card, the stored data is invisible, the safety intensity is high, and the password information can not be read, copied, tampered or illegally used, so that the EID and the holder can be ensured to be in one-to-one correspondence, namely, whether the user really exists and whether the EID electronic identity card is valid can be verified only through the EID equipment, so that the real-name requirement of financial account opening is met, and the individual privacy of the user can be protected.
Or, in some other embodiments, the NFC device and the EID device are used to acquire the identity information of the user, when the terminal (e.g., a mobile phone, an IPAD, etc.) of the user has the EID electronic identity card, the EID device is preferentially used to acquire the identity information of the user, and if the terminal of the user does not have the EID electronic identity card, the NFC device is used to acquire the user information.
As a further preferable scheme, when the identity information of the user meets the account opening requirement of the financial accounts in the to-be-opened financial account list, sequentially opening the financial accounts in the to-be-opened financial account list includes:
the property of the financial accounts in the financial account list to be opened is determined, because account opening processes of financial accounts with different properties are different, financial accounts with the same property can be opened together by determining the property of the financial accounts in the financial account list to be opened, so that poor experience brought to a user due to the fact that financial accounts with different properties are alternately opened is avoided.
Specifically, the properties of the financial accounts in the financial account list to be opened include an account-accessing property and a special account property, and it should be noted that the account-accessing property refers to a financial account which does not uniquely correspond to a sales channel, that is, the financial account with the account-accessing property can be applied to different sales channels; the special account is a financial account uniquely corresponding to the sales channel, that is, the financial account with the special account can only be applied to a single sales channel.
Determining the order of opening accounts of the financial accounts in the financial account list to be opened based on the properties of the financial accounts, wherein account opening processes of the financial accounts with different properties are different, wherein: financial accounts of a private property need to be verified separately; the financial accounts with the property of opening users only need to open one financial account, and then the rest financial accounts are synchronized, so that the financial accounts with the property of being a special account in the financial account list to be opened are optionally opened firstly, and then the financial accounts with the property of being the property of opening users in the financial account list to be opened are opened; or, the financial accounts with the property of being opened are opened in the financial account list to be opened firstly, and then the financial accounts with the property of being a special account are opened in the financial account list to be opened, so that the user can open one type of financial accounts with the same property in a centralized manner, and then open another type of financial accounts with the same property in a centralized manner, thereby avoiding the user from alternately opening financial accounts with different properties, and ensuring that the user has better experience.
And sequentially opening the financial accounts in the financial account list to be opened according to the opening sequence and the opening requirement of the financial accounts in the financial account list to be opened.
As a further preferable scheme, before determining the nature of the financial account in the to-be-opened financial account list, the method further includes: whether the financial accounts in the financial account list to be opened are in the account opening transaction time is determined, because account opening requirements of different financial accounts are different, the situation that the financial accounts in the financial account list to be opened cannot be opened due to the fact that the financial accounts are in the account opening transaction time which cannot be opened is avoided, the fact that a user can open all the openable financial accounts is further guaranteed, and account opening efficiency is improved.
Example two
The present embodiment provides an account opening device for a financial account, as shown in fig. 2, the account opening device includes a memory 1 and a processor 2 connected to the memory 1, where the memory 1 is used to store program codes, and the processor 2 implements an account opening method for a financial account in the first embodiment when calling the program codes stored in the memory 1.
EXAMPLE III
The embodiment provides an account opening system for financial accounts, as shown in fig. 3, where the financial accounts include:
the first obtaining module 3 is configured to obtain a to-be-opened financial account list of a user.
And the second acquisition module 4 is used for acquiring the identity information of the user, and the identity information of the user comprises the name, the identification card number, the mobile phone number, the address, the validity period of the identification card, the bank card information, the transaction password safety information, the human body living body detection information and the like of the user.
And the judging module 5 is used for judging whether the identity information of the user meets the account opening requirement of the financial account in the financial account list to be opened.
And the creating module 6 is used for sequentially opening the financial accounts in the financial account list to be opened when the judging module 5 judges that the identity information of the user meets the account opening requirement of the financial accounts in the financial account list to be opened.
As a further preferable scheme, the first obtaining module 3 includes a first obtaining unit 7, a second obtaining unit 8 and a determining unit 9, where the first obtaining unit 7 is configured to obtain an openable financial account list of the user, and the openable financial account list includes financial accounts openable by the user; the second obtaining unit 8 is configured to obtain financial account information corresponding to a bank card of a user based on the list of openable financial accounts, where the financial account information includes financial accounts that can be opened by the bank card and an opening status of each financial account; the determining unit 9 is configured to determine a to-be-opened financial account list based on the financial account information, where the to-be-opened financial account list includes a plurality of financial accounts whose opening states in the financial accounts that can be supported by the bank card are not opened.
As a further preferable scheme, the second obtaining module 4 includes an authorization unit 10 and a third obtaining unit 11, the authorization unit 10 is configured to obtain authorization of the user, and the authorization manner of the user at least includes one of fingerprint authorization, password authorization and face recognition authorization; the third obtaining unit 11 is configured to obtain identity information of a user by using an NFC device and/or an EID device.
As a further preferable scheme, the creating module 6 includes a property determining unit 12, an account opening sequence determining unit 13, and an account opening unit 14, wherein:
the property determining unit 12 is configured to determine properties of the financial accounts in the to-be-opened financial account list, where the properties of the financial accounts in the to-be-opened financial account list include an account-opening property and a special account property, and it should be noted that the account-opening property refers to a financial account capable of sharing data in different financial platforms; the special account property refers to a financial account with data in an isolated state among different financial platforms.
The account opening sequence determining unit 13 is configured to determine an account opening sequence according to the property of the financial account in the to-be-opened financial account list; further, the order of opening determination unit 13 determines that the order of opening of financial accounts of a private property is prioritized over the order of opening of financial accounts of an account-making property.
The account opening unit 14 is configured to sequentially open the financial accounts in the financial account list to be opened according to the account opening sequence and the account opening requirement of the financial accounts in the financial account list to be opened.
As a further preferable scheme, the creating module 6 further includes a verifying unit 15, and the verifying unit 15 is configured to determine whether the financial account in the to-be-opened financial account list is within an account-openable transaction time.
The above embodiments are only preferred embodiments of the present invention, and the protection scope of the present invention is not limited thereby, and any insubstantial changes and substitutions made by those skilled in the art based on the present invention are within the protection scope of the present invention.
Claims (10)
1. An account opening method of a financial account, the account opening method comprising:
acquiring a financial account list to be opened of a user;
acquiring identity information of a user;
judging whether the identity information of the user meets the account opening requirement of the financial account in the financial account list to be opened or not;
and when the identity information of the user meets the account opening requirement of the financial accounts in the financial account list to be opened, sequentially opening the financial accounts in the financial account list to be opened.
2. The account opening method of claim 1, wherein obtaining the list of financial accounts to be opened of the user comprises:
acquiring a list of openable financial accounts of a user;
acquiring financial account information corresponding to a bank card of a user based on the list of openable financial accounts;
and determining a financial account list to be opened based on the financial account information.
3. An account opening method according to claim 2, wherein the financial account information includes financial accounts that the bank card can support opening, and an opening status of each financial account.
4. An account opening method according to claim 3, wherein the list of financial accounts to be opened comprises a plurality of financial accounts of which the bank card can support opening of the opened financial accounts and the opening state of which is not opened.
5. The account opening method of claim 1, wherein obtaining identity information of a user comprises:
obtaining the authorization of a user, wherein the authorization mode of the user at least comprises one of fingerprint authorization, password authorization and face recognition authorization;
and acquiring the identity information of the user by using the NFC equipment or the EID equipment.
6. The account opening method according to claim 1, wherein when the identity information of the user meets the account opening requirements of the financial accounts in the to-be-opened financial account list, sequentially opening the financial accounts in the to-be-opened financial account list comprises:
determining the property of the financial account in the financial account list to be opened;
determining the account opening sequence of the financial accounts in the financial account list to be opened based on the properties of the financial accounts;
and sequentially opening the financial accounts in the financial account list to be opened according to the opening sequence and the opening requirement of the financial accounts in the financial account list to be opened.
7. An account opening method according to claim 6, wherein the properties of the financial accounts in the list of financial accounts to be opened comprise an account opening property and a special account property.
8. An account opening method according to claim 7, wherein before determining the nature of the financial accounts in the list of financial accounts to be opened, further comprising: it is determined whether the financial accounts in the list of financial accounts to be opened are within an account-openable transaction time.
9. An account opening device for financial accounts, characterized in that: comprising a memory for storing program code and a processor coupled to the memory, the processor implementing the method of opening a financial account of any one of claims 1-8 when invoking the program code stored in the memory.
10. An account opening system for financial accounts, comprising:
the first acquisition module is used for acquiring a financial account list to be opened of a user;
the second acquisition module is used for acquiring the identity information of the user;
the judging module is used for judging whether the identity information of the user meets the account opening requirement of the financial account in the financial account list to be opened;
and the creating module sequentially opens the financial accounts in the financial account list to be opened when the judging module judges that the identity information of the user meets the account opening requirement of the financial accounts in the financial account list to be opened.
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| CN202010650623.9A CN111833176A (en) | 2020-07-08 | 2020-07-08 | Financial account opening method, financial account opening device and financial account opening system |
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| CN202010650623.9A CN111833176A (en) | 2020-07-08 | 2020-07-08 | Financial account opening method, financial account opening device and financial account opening system |
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| CN114298820A (en) * | 2021-12-22 | 2022-04-08 | 上海品顺信息科技有限公司 | A multi-channel account opening management method, device and medium |
| CN115983861A (en) * | 2022-12-27 | 2023-04-18 | 重庆国家金融科技认证中心有限责任公司 | A financial transaction system with anonymous accounts and encrypted information |
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