CN108335191A - Account-opening method, financial services system end and the computer storage media of finance account - Google Patents
Account-opening method, financial services system end and the computer storage media of finance account Download PDFInfo
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- CN108335191A CN108335191A CN201711472837.6A CN201711472837A CN108335191A CN 108335191 A CN108335191 A CN 108335191A CN 201711472837 A CN201711472837 A CN 201711472837A CN 108335191 A CN108335191 A CN 108335191A
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- G—PHYSICS
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- G06Q—INFORMATION 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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
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- G06Q—INFORMATION 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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/357—Cards having a plurality of specified features
- G06Q20/3572—Multiple accounts on card
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Abstract
The invention discloses a kind of account-opening methods of finance account, including step：The finance account account opening request of user is responded, bank card information corresponding with the user and the information of opening an account of finance account are obtained；According to the information of opening an account of the finance account of the user, the multiple finance accounts for meeting the condition of opening an account of the user are determined；The multiple finance account with the bank card binding of the user is created simultaneously.The invention also discloses a kind of financial services system end and computer readable storage mediums.The present invention solves the problems, such as that formality is cumbersome during finance account is opened an account, and user is facilitated disposably to open up multiple finance accounts.
Description
Technical field
The present invention relates to a kind of financial field more particularly to account-opening method of finance account, financial services system end and meters
Calculation machine readable storage medium storing program for executing.
Background technology
With the arrival of information age, the means of payment of financial field are also more and more, such as the Internetbank branch occurred successively
It pays, Unionpay's payment, Alipay is paid and fund deposits pipe payment.If user needs to use a variety of financial payment functions, correspond to
Ground needs to create multiple finance accounts.Multiple finance accounts are created at present to need to repeat the establishment step of multiple finance account
Suddenly, while when creating finance account every time the different server-sides to management finance account is also required for submit opening an account for finance account
Data, formality are cumbersome.
Invention content
The main purpose of the present invention is to provide a kind of account-opening method of finance account, financial services system end and computers
Readable storage medium storing program for executing, it is intended to solve the problems, such as that formality is cumbersome during finance account is opened an account.
To achieve the above object, the account-opening method of a kind of finance account provided by the invention, includes the following steps：
The finance account account opening request of user is responded, bank card information corresponding with the user and finance account are obtained
Information of opening an account；
According to the information of opening an account of the finance account of the user, the multiple finance for meeting the condition of opening an account of the user are determined
Account；
The multiple finance account with the bank card binding of the user is created simultaneously.
To achieve the above object, the present invention also provides a kind of financial services system end, for executing opening for finance account
Family business, including：
Acquisition module, the finance account account opening request for responding user obtain bank card letter corresponding with the user
The information of opening an account of breath and finance account；
Determining module determines that meeting for the user opens an account for the information of opening an account according to the finance account of the user
Multiple finance accounts of condition；
Creation module is used for while creating the multiple finance account with the bank card binding of the user.
To achieve the above object, the present invention also provides a kind of financial services system end, including communication module, processor,
Memory and storage are on a memory and the computer program that can run on a processor；The processor executes the computer
The step of account-opening method of finance account as described above is realized when program.
To achieve the above object, the present invention also provides a kind of computer readable storage medium, it is described computer-readable to deposit
Computer program is stored on storage media, the computer program realizes finance account as described above when being executed by processor
The step of account-opening method.
Can be that user creates the multiple gold for meeting the condition of opening an account simultaneously using the account-opening method of the finance account in the present invention
Melt account, user only needs the information of opening an account for providing a bank card information and finance account that can create multiple financial accounts
Family.Due to need not repeatedly provide material of opening an account, account-opening need not also be performed a plurality of times, thus solve finance account and open an account
The cumbersome problem of formality in the process, simple operation.
Description of the drawings
Fig. 1 is the modular structure schematic diagram at the financial services system end in one embodiment of the invention；
Fig. 2 is the flow diagram of the account-opening method first embodiment of finance account of the present invention；
Fig. 3 is the flow diagram of the account-opening method second embodiment of finance account of the present invention；
Fig. 4 is the flow diagram of the account-opening method 3rd embodiment of finance account of the present invention；
Fig. 5 is the flow diagram of the account-opening method fourth embodiment of finance account of the present invention；
Fig. 6 is the flow diagram of the 5th embodiment of account-opening method of finance account of the present invention；
Fig. 7 be finance account of the present invention account-opening method other embodiment in step S323 refinement flow diagram；
Fig. 8 be finance account of the present invention account-opening method sixth embodiment in step S30 refinement flow diagram；
Fig. 9 is the high-level schematic functional block diagram of one embodiment of financial system server-side of the present invention.
Specific implementation mode
It should be appreciated that described herein, specific examples are only used to explain the present invention, is not intended to limit the present invention.
In subsequent description, using for indicating that the suffix of such as " module ", " component " or " unit " of element is only
The explanation for being conducive to the present invention, itself does not have a specific meaning.Therefore, " module ", " component " or " unit " can mix
Ground uses.
Referring to Fig. 1, a kind of hardware configuration mould at its financial services system end 100 of each embodiment to realize the present invention
Block schematic diagram, the financial services system end 100 are used to execute the business of opening an account of finance account.The financial services system end
100 can be equipped with finance account to open an account the electric terminal of program, can also be to manage finance account to open an account the clothes of business
Business device, can also include the electric terminal and server simultaneously.The financial services system end 100 may include multiple is used for
The server-side of different finance accounts is respectively created.
Wherein, the finance account may include the account classification administrative mechanism institute of Private Banking according to People's Bank of China
The I class bank account and II class bank account distinguished, the finance account can also include that fund account or fund sell account on a commission basis,
For example, safety, which pays disbursement from fund account, big magnificent fund account and investment from the mainland pipe fund, sells account on a commission basis, the finance account can be with
It is the internet finance account that similar Taobao's account or wechat account are bound.It is understood that each described fund account
Or fund commissary sale book corresponds to the server-side of each fund operator per family, user can be in the service that the fund operator is managed
It is registered and is merchandised on end.
The claimed financial services system end 100 of the present invention includes communication module 10, memory 20 and processor
30 equal components.It will be understood by those skilled in the art that the financial services system end 100 shown in Fig. 1 can also include than figure
Show more or fewer components, either combines certain components or different components arrangement.Wherein, the processor 30 is distinguished
It is connect with the memory 20 and the communication module 10, computer program, the computer is stored on the memory 20
Program is executed by processor 30 simultaneously.
Communication module 10 can be connected by network and external equipment, such as other-end.Communication module 10 can receive outer
The request that portion's communication apparatus is sent out, also transmittable event, instruction and information to the external equipment and/or server.It is described outer
Portion's communication apparatus can be the electronic equipments such as server, mobile phone, tablet computer and picture pick-up device.
Memory 20 can be used for storing software program and various data.Memory 20 can include mainly storing program area
And storage data field, wherein storing program area can storage program area etc.；Storage data field can be stored according to financial services system
End 100 uses created data or information etc., can also store computer program (for example, for opening finance account
Software program).In addition, memory 20 may include high-speed random access memory, can also include nonvolatile memory, example
Such as at least one disk memory, flush memory device or other volatile solid-state parts.
Processor 30 is the control centre at financial services system end 100, entirely financial using various interfaces and connection
The various pieces at service system end 100, by running or executing the software program and/or module that are stored in memory 20, with
And the data being stored in memory 20 are called, the various functions and processing data at financial services system end 100 are executed, such as control
Financial services system end 100 processed it is multiple for be respectively created finance account server-sides and meanwhile create multiple finance accounts.Place
Reason device 30 may include one or more processing units；Preferably, processor 30 can integrate application processor and modulation /demodulation processing
Device, wherein the main processing operation system of application processor, user interface and application program etc., modem processor is mainly located
Reason wireless communication.It is understood that above-mentioned modem processor can not also be integrated into processor 30.
Although Fig. 1 is not shown, above-mentioned financial services system end 100 can also include circuit control module, be used for and electricity
Source connects, and realizes power supply control, ensures the normal work of other component.Above-mentioned financial services system end 100 can also include aobvious
Show the components such as unit and touch screen unit.Wherein, the touch screen unit can be covered on display unit, for detecting user
Touch operation on or near touch screen unit, and the touch operation is sent to processor 30 to determine touch event
Type is followed by subsequent processing device 30 and provides corresponding visual output on the display unit according to the type of touch event.Optionally, described
Display unit can also be combined the background monitoring for financial services system end 100 with processor 30.
It will be understood by those skilled in the art that financial services system end 100 shown in Fig. 1 can also include than illustrating more
More or less component either combines certain components or different components arrangement.
Based on above-mentioned hardware configuration, the first embodiment of the account-opening method of finance account of the present invention is proposed, referring to Fig. 2,
In the present embodiment, the method includes：
Step S10, responds the finance account account opening request of user, obtain bank card information corresponding with the user and
The information of opening an account of finance account；
When financial services system end is the terminals such as the smart machine of user or the computer of attending a banquet of bank, user is to end
When end request creates finance account, the finance account account opening request of the processor response user of terminal, processor can pass through end
The display unit display at end creates the interface of finance account, and user passes through touch screen unit or the preset information acquisition unit of terminal
Input oneself open an account information and bank card information；When financial services system end is to manage finance account to open an account the service of business
When device, tune or can also be passed through at terminal by used by a user open an account after the finance account account opening request of response user
The identity information for taking family obtains bank card information corresponding to the user and the information of opening an account of finance account, terminal of then opening an account
The information of opening an account of the bank card information of user and finance account is sent to the management finance account to open an account the service of business
Device.
The information of opening an account may include that user's finance account is opened an account the certificate datas of needs, image information, user's contact
Mode and finger print information etc. can also include the bank card that the user required for finance account is opened an account has opened, the bank card
Can be the I class bank account distinguished according to Private Banking's account classification administrative mechanism of People's Bank of China and II class bank
Bank card corresponding to account.The information of opening an account of the bank card information and finance account needed for processes financial account is inputted in user
Afterwards, the processor at financial services system end obtains bank card information and the information of opening an account of finance account, and the silver that will be got
Row card information and finance account open an account information storage in memory.
Step S20 determines the condition of opening an account that meets of the user according to the information of opening an account of the finance account of the user
Multiple finance accounts；
Finance account can be previously stored in the memory at financial services system end to open an account standard, different finance accounts
Requirement of opening an account can be different, wherein the requirement of opening an account can refer to the age limit requirement of user, the assets of user can be referred to
It is required that can refer to user needs the material that uploads, it can also refer to whether user before the application that proposes to open an account passes through knowledge assessment.Place
The information of opening an account of finance account that reason device is provided according to user is opened an account standard according to the finance account stored in memory, is screened
The user meets the multiple finance accounts for the condition of opening an account.
For example, the method for determining the multiple finance accounts for meeting the condition of opening an account of the user can be：If can root
The finance account material of opening an account provided according to user opens A accounts, then is confirmed as the A accounts meeting the financial account for the condition of opening an account
Family, until the matches criteria of opening an account of institute's matched finance account in need in memory is completed, by all conditions of opening an account that meet
Finance account is confirmed as the multiple finance accounts for meeting the condition of opening an account of user.
For example, it is also possible to be user input finance account open an account information when, pass through display module remind user selection
Need the finance account opened；Further, can also be liked according to the finance account of user's selection after user has selected,
Similar finance account is recommended to be selected again for user；Optionally, selection can also will be carried out according to user demand and according to depositing
The finance account that the finance account standard of opening an account in reservoir is selected is combined, and is confirmed as the user jointly and is met the condition of opening an account
Multiple finance accounts.
Step S30, while creating the multiple finance account with the bank card binding of the user.
Determine user meet the multiple finance accounts for the condition of opening an account after, the finance account provided according to user is opened an account
Information, while creating multiple finance accounts with the bank card binding of user for user.It should be noted that multiple finance accounts
The account and/or password of middle login can be arranged to consistent, can also be arranged to inconsistent, such as multiple finance account packets
It is inconsistent to include the account used when A accounts and B accounts, the wherein login of A accounts and B accounts；Multiple finance can also created
When account, all accounts are associated, are directly logged in another finance account by one of account；Or it can also lead to
The passport NO. of the card number or user of crossing the bank card of binding logs in.
In the present embodiment, due to the finance account account opening request by responding user, the bank card of the user is obtained
The information of opening an account of information and finance account；According to the information of opening an account of the finance account of the user, the symbol of the user is determined
Run multiple finance accounts of family condition jointly；The multiple finance account with the bank card binding of the user is created simultaneously.Make
It obtains user and creates the multiple finance accounts for meeting the condition of opening an account simultaneously when creating finance account, to solve finance account
The cumbersome problem of account opening procedure during opening an account, facilitates user disposably to open up multiple finance accounts, and user is bothered in reduction.
Referring to Fig. 3, the first embodiment of the account-opening method based on finance account of the present invention proposes finance account of the present invention
The second embodiment of account-opening method, in the present embodiment, the step S20 includes：
Step S21 obtains the user and needs the multiple gold opened up according to the information of opening an account of the finance account of the user
Melt account information；
In the present embodiment, can by display module prompt user input finance account open an account information when, remind
The finance account that at least two needs that user selects itself to need are opened, for example, can be by all finance account name columns
In a table, chosen for user.After the information of opening an account of finance account is submitted, the processor at financial services system end
User is obtained from the information of opening an account of finance account needs the multiple financial account informations opened up.
Step S22 generates user's finance account demand schedule, institute according to the multiple financial account informations for needing to open up
It includes that the user needs the multiple finance accounts opened up to state finance account demand schedule；
After processor obtains the multiple financial account informations for needing to open up, a tables of data can be formed, for recording
The finance account of user is opened an account demand, then preserves the finance account demand schedule in memory.
The step S30 includes：
Step S31, while creating multiple finance accounts corresponding with user's finance account demand schedule, wherein it is described
Bank card binding of multiple finance accounts with the user.
The processor at financial services system end creates all gold of user's selection according to user's finance account demand schedule simultaneously
Melt account, the quantity of these finance accounts is at least two.For example, user prompts according to display module, safety is chosen and has paid fund
Payment account, big magnificent fund account and investment from the mainland pipe fund sell account on a commission basis, and processor, will be same after receiving user's Financial Demands table
Shi Kaishe safeties pay disbursement from fund account, big magnificent fund account and investment from the mainland pipe fund and sell account these three finance accounts on a commission basis, into
One step, above-mentioned finance account with the bank card binding of user.
Optionally, the I class bank account or II class silver that above-mentioned multiple finance accounts can be opened up with user in bank
Row account is bound, and can also be bound with multiple bank accounts, it is only necessary to associated with user.
The multiple financial account informations opened up are needed by obtaining user, generates and needs the multiple finance opened up comprising user
User's finance account demand schedule of account then creates multiple financial accounts for user simultaneously according to user's finance account demand schedule
Family can quickly understand user and need to open up the demand of finance account in time.
Referring to Fig. 4, the first embodiment of the account-opening method based on finance account of the present invention proposes finance account of the present invention
The 3rd embodiment of account-opening method, in the present embodiment, the step S20 includes：
Step S23 obtains the user and needs the financial account opened up according to the information of opening an account of the finance account of the user
Family information；
The present embodiment can by display module prompt user input finance account open an account information when, prompt user selection
After the completion of user's selection, one or more needs of user's selection are opened up for one or more finance accounts for needing to open up
Finance account forms the information of opening an account of finance account together with the data for needs of opening an account；Can also be before creating finance account,
According to the information of opening an account of finance account, obtain user and need the one or more financial account informations opened up, one of them or it is more
A financial account information may include the finance account title for needing to open up, and need the required data of the finance account opened up,
For example, the passport NO. and address name of user.
Step S24 generates user's finance account demand schedule, the gold according to the financial account information for needing to open up
It includes meet the condition of opening an account at least one that the user needs the finance account and the user that open up to melt account demand schedule
A finance account.
User's finance account demand schedule comprising user other than needing the one or more finance accounts opened up, also
It may include at least one finance account that user meets the condition of opening an account, be before creating multiple finance accounts at the same time, directly
It is connected in that user recommends and selector shares family and opens an account the finance account of condition.The user that meets for user's selection opens an account condition
At least one finance account should be different from the finance account that opens up of needs that user oneself selects, to ensure multiple finance
It is created while account.
The step S30 includes：
Step S31, while creating multiple finance accounts corresponding with user's finance account demand schedule, wherein it is described
Bank card binding of multiple finance accounts with the user.
For example, user input finance account open an account information when, passed through knowledge assessment, at this time processor generate use
Family finance account demand schedule may include needing the finance account that could be opened by knowledge assessment and need not being surveyed by knowledge
It comments the finance account that can be opened or is only included in user's finance account demand schedule and need to open by knowledge assessment
Finance account, or user can also be helped to open similar account according to the selection of account that user opens, for example, user applies
The account opened is big magnificent fund account, is directly that safety pair disbursement from fund account is opened in user's selection according to similarity.
It should be noted that the method for creating the corresponding multiple finance accounts of user's finance account demand schedule simultaneously can root
It is configured, can be sent open an account information and the bank card information of finance account by financial services system end according to actual needs
Give the multiple finance account corresponding server-side, by each server-side of corresponding finance account is respectively created according to finance
Open an account information and the bank card information of account create finance account, to be reached for user while create the mesh of multiple finance accounts
's.
It optionally, can also be after creating multiple finance accounts, by the corresponding server-side pair of multiple finance accounts
Consumption information Share Permissions are arranged in its corresponding finance account created, and so as to realize, acquisition is more in a finance account
The consumption information of other accounts in a finance account.
The present embodiment needs the finance account opened up and the user by the way that user is arranged in finance account demand schedule
At least one finance account for meeting the condition of opening an account, for user create multiple finance accounts while, increase financial enterprise
Mode is opened in industry financial business, has widened the source of financial asset indirectly.
Referring to Fig. 5, the first embodiment of the account-opening method based on finance account of the present invention proposes finance account of the present invention
The fourth embodiment of account-opening method, in the present embodiment, the step S30 further includes before：
Step S40, by the bank card information corresponding with the user getting and the letter of opening an account of finance account
Breath is shared to the multiple finance account institute in corresponding server-side；
In order to ensure multiple finance accounts while create, needing to manage each finance account in multiple finance accounts, its is right
The server-side answered can share the bank card information of user and the information of opening an account of finance account, without user to each clothes
A finance account is individually submitted to open an account information again in business end.
When user needs to create multiple finance accounts, the letter of opening an account of user's bank card information and finance account is got
Processor in the financial system server-side of breath can open an account finance account the bank card information and finance of required user
The information of opening an account of account, which is sent to, creates the corresponding server-side of multiple finance account institutes.It should be noted that multiple finance
Account corresponding server-side and the financial system server-side form the shared of financial account information.
Optionally, can be one by one in the corresponding server-side of the multiple finance account and the finance account quantity
Corresponding relationship can also be that multiple finance accounts correspond to a server-side.
The step S30 includes：
Step S32, in server-side corresponding with the multiple finance account, the institute that receives according to respectively
State the corresponding finance account of information creating of opening an account of the bank card information and finance account of user.
Under the premise of the bank card information of open an account information and the user of the finance account of server-side are shared, management finance
The corresponding server-side of account creation is opened according to the bank card information corresponding with the user and finance account received
Family information creating finance account.The server-side of institute's some need establishment finance account corresponds to the finance account created and is altogether
User needs the multiple finance accounts created.
Further, the setting rule of name on account can be set according to actual needs in server-side establishment finance account
It sets, for example, it may be all finance accounts are corresponded to a name on account, it can also be in the corresponding financial account of a server-side
Name in an account book claims already present situation, and new account is carried out by increasing Arabic numerals after the finance account title that other server-sides create
The generation that name in an account book claims can also be that the name on account that all server-sides correspond to the finance account created has respective generation to advise
Then, it is random, the finance account create-rule for being each server can be identical or different, can also be serviced according to one
The naming rule of finance account is the finance account name that other servers create in device.For example, existing name on account
Pingan, then New Account title can be pingan001.
The present embodiment is by being arranged corresponding with the multiple finance account server-side, and in corresponding server-side
On, according to the corresponding finance account of information creating of opening an account of the bank card information and finance account received, it is while creates
Multiple finance accounts provide the account-opening method of feasible multiple finance accounts.
Referring to Fig. 6, the fourth embodiment of the account-opening method based on finance account of the present invention proposes finance account of the present invention
5th embodiment of account-opening method, in the present embodiment, the step S40 includes：
Step S41, by the bank card information corresponding with the user getting, finance account open an account information with
And authorization message is shared to the multiple finance account institute in corresponding server-side.
The processor of financial system server-side is in addition to the information of opening an account of the bank card information of user, finance account to be sent to
Outside the corresponding server-side of multiple finance accounts institute, authorization message is also sent to the corresponding server-side.Optionally,
The establishment that the authorization message carries out different finance accounts whether can be received according to the corresponding server-side.
Step S321 judges whether to receive institute respectively in server-side corresponding with the multiple finance account
State authorization message；If so, thening follow the steps S322；If it is not, thening follow the steps S323；
Step S322, in the server-side, according to the bank card information of the user received and financial account
The corresponding activated finance account of information creating of opening an account at family；
Step S323, in the server-side, according to the bank card information of the user received and financial account
The corresponding unactivated finance account of information creating of opening an account at family.
Authorization message is equivalent to the processor as financial system server-side to the corresponding clothes for creating multiple finance accounts
The mandate instruction that business end is sent out.Can be if the server-side for creating finance account receives the authorization message, in the clothes
Business creates activated finance account on end；If the server-side for creating finance account does not receive the authorization message,
Unactivated finance account is created in the server-side.Believe according to creating the corresponding server-side of finance account and whether receiving to authorize
Breath determines the state of activation of the finance account created, can provide further service for the establishment of the multiple finance accounts of user.Example
Such as, user needs to open up the finance account but temporarily will not indicate that information gives financial system server-side in use, can send, gold
The processor for melting server of the system sends authorization message, makes that the corresponding server-side of finance account to be used is needed to receive the mandate
Information wouldn't need the corresponding server-side of finance account to be used not receive the authorization message.This guarantees user's finance
The safety that account uses.
Further, in other embodiments, in order to enhance the safety in utilization of finance account, the clothes of finance account are created
Different safe classes can also be arranged in business end itself, ensure user's fund security.
For example, with reference to Fig. 7, the step S323 may include：
Step S324 in the server-side, judges current service end when server-side does not receive the authorization message
Whether safe class is more than preset secure threshold；If so, thening follow the steps S325；
Step S325, in the server-side, according to the bank card information of the user received and financial account
The corresponding unactivated finance account of information creating of opening an account at family.
It can also be received according to described when the safe class at current service end is less than or equal to preset secure threshold
The user bank card information and finance account the activated finance account of information creating of opening an account.Wherein, un-activation
Finance account need user follow-up before use, can just be used by user's active activation, and activated finance account
It can directly use, such as carry out financial transaction.
The first embodiment of account-opening method based on finance account of the present invention proposes the account-opening method of finance account of the present invention
Sixth embodiment, referring to Fig. 8, in the present embodiment, the step S30 includes：
Step S33 generates finance account log-on message；
The finance account log-on message may include account name, Account Logon password, relevant mailbox etc..Optionally, also
Finance account log-on message can be summarised in tables of data, be sent to while creating by the processor of financial system server-side
The corresponding server-side of multiple finance accounts institute.
Step S34 according to the finance account log-on message, while being created described with the bank card binding of the user
Multiple finance accounts, the multiple finance account are logged in by the finance account log-on message.
Wherein, the finance account log-on message of each finance account can be arranged to consistent so that the multiple finance
Account is logged in by consistent finance account log-on message, forms an Account Logon information common-mode, is user
It needs to remember all finance accounts that an account name and password can be logged in while be opened up, be carried for the convenient use of subsequent user
Convenience is supplied.
To achieve the above object, the present invention also provides a kind of financial services system ends, for executing opening an account for finance account
Business, referring to Fig. 9, in one embodiment, including：
Acquisition module 10, the finance account account opening request for responding user obtain bank card corresponding with the user
The information of opening an account of information and finance account；
Determining module 20 determines meeting out for the user for the information of opening an account according to the finance account of the user
Multiple finance accounts of family condition；
Creation module 30 is used for while creating the multiple finance account with the bank card binding of the user.
In another embodiment, the determining module 20 includes acquiring unit 21 and generation unit 22；
The acquiring unit 21 obtains user's needs for the information of opening an account according to the finance account of the user
The multiple financial account informations opened up；
The generation unit 22, for according to the multiple financial account informations for needing to open up, generating user's finance account
Family demand schedule, the finance account demand schedule include that the user needs the multiple finance accounts opened up；
The creation module 30 is additionally operable to create multiple financial accounts corresponding with user's finance account demand schedule simultaneously
Family, wherein bank card binding of the multiple finance account with the user.
In another embodiment, the determining module 20 includes acquiring unit 21 and generation unit 22；
The acquiring unit 21 obtains user's needs for the information of opening an account according to the finance account of the user
The financial account information opened up；
The generation unit 22, for according to the financial account information for needing to open up, generating user's finance account to need
Seek table, the finance account demand schedule includes that the user needs the finance account opened up and the user's to meet item of opening an account
At least one finance account of part；
The creation module 30 is additionally operable to create multiple financial accounts corresponding with user's finance account demand schedule simultaneously
Family, wherein bank card binding of the multiple finance account with the user.
In another embodiment, the financial system server-side further includes：
Sharing module 40, for by the bank card information corresponding with the user getting and finance account
Open an account information sharing to in the multiple finance account institute corresponding server-side；
The creation module 30 is additionally operable in server-side corresponding with the multiple finance account, respectively basis
The corresponding finance account of information creating of opening an account of the bank card information and finance account of the user received.
In another embodiment, the creation module 30 includes judging unit 31 and creating unit 32；
The sharing module 40 is additionally operable to the bank card information corresponding with the user getting, financial account
Family open an account information and authorization message is shared to the multiple finance account institute in corresponding server-side.
The judging unit 31 is used in server-side corresponding with the multiple finance account, and judgement respectively is
It is no to receive the authorization message；And when receiving the authorization message in the server-side, the creating unit 32 is triggered
In the server-side, according to the bank card information of the user received and the information creating pair of opening an account of finance account
The activated finance account answered；When not receiving the authorization message in the server-side, the creating unit 32 is triggered
In the server-side, according to the bank card information of the user received and the information creating pair of opening an account of finance account
The unactivated finance account answered.
In another embodiment, the judging unit 31 can be also used for not receiving the authorization message when server-side
When, in the server-side, judge whether the safe class at current service end is more than preset secure threshold；And at current service end
Safe class be more than preset secure threshold when, trigger the creating unit 32 in the server-side, received according to described
The user bank card information and finance account the corresponding unactivated finance account of information creating of opening an account.
In another embodiment, the creation module 30 includes：
Log-on message generation unit 33, for generating finance account log-on message；
Creating unit 32 is used for according to the finance account log-on message, while the bank card of establishment and the user are tied up
Fixed the multiple finance account, the multiple finance account are logged in by the finance account log-on message.
To achieve the above object, the present invention provides a kind of computer readable storage medium, the computer-readable storage medium
Computer program is stored in matter, the computer program realizes opening an account for finance account as described above when being executed by processor
The step of method.
In the description of this specification, reference term " embodiment ", " another embodiment ", " other embodiment " or "
The description of one embodiment~X embodiment " etc. mean specific features described in conjunction with this embodiment or example, structure, material or
Person's feature is included at least one embodiment or example of the invention.In the present specification, to the schematic table of above-mentioned term
It states and may not refer to the same embodiment or example.Moreover, specific features, structure, material, method and step or the spy of description
Point can be combined in any suitable manner in any one or more of the embodiments or examples.
It should be noted that herein, the terms "include", "comprise" or its any other variant are intended to non-row
His property includes, so that process, method, article or device including a series of elements include not only those elements, and
And further include other elements that are not explicitly listed, or further include for this process, method, article or device institute it is intrinsic
Element.In the absence of more restrictions, the element limited by sentence "including a ...", it is not excluded that including this
There is also other identical elements in the process of element, method, article or device.
The embodiments of the present invention are for illustration only, can not represent the quality of embodiment.
By the description of above embodiment, those skilled in the art can be understood that above-described embodiment method
The mode of required general hardware platform can be added to realize by software, naturally it is also possible to by hardware, but in many cases before
Person is more preferably embodiment.Based on this understanding, technical scheme of the present invention substantially makes tribute to the prior art in other words
The part offered can be expressed in the form of software products, which is stored in a computer-readable storage
In medium (such as ROM/RAM, magnetic disc, CD), including some instructions are used so that a financial services system end (can be hand
Machine, computer, server, air conditioner or network equipment etc.) execute method described in each embodiment of the present invention.
The embodiment of the present invention is described with above attached drawing, but the invention is not limited in above-mentioned specific
Embodiment, above-mentioned specific embodiment is only schematical, rather than restrictive, and those skilled in the art are at this
Under the enlightenment of invention, without breaking away from the scope protected by the purposes and claims of the present invention, many forms can be also made,
All of these belong to the protection of the present invention.
Claims (10)
1. a kind of account-opening method of finance account, which is characterized in that including step：
The finance account account opening request of response user, acquisition bank card information corresponding with the user and finance account are opened
Family information；
According to the information of opening an account of the finance account of the user, the multiple financial accounts for meeting the condition of opening an account of the user are determined
Family；
The multiple finance account with the bank card binding of the user is created simultaneously.
2. the account-opening method of finance account as described in claim 1, which is characterized in that the financial account according to the user
The step of information of opening an account at family, the multiple finance accounts for meeting the condition of opening an account for determining the user includes：
According to the information of opening an account of the finance account of the user, obtains the user and need the multiple financial account informations opened up；
According to the multiple financial account informations for needing to open up, user's finance account demand schedule is generated, the finance account needs
It includes that the user needs the multiple finance accounts opened up to seek table；
The step of described while establishment and the multiple finance account of the bank card binding of the user, including：
Multiple finance accounts corresponding with user's finance account demand schedule are created simultaneously, wherein the multiple finance account
With the bank card binding of the user.
3. the account-opening method of finance account as described in claim 1, which is characterized in that the financial account according to the user
The step of information of opening an account at family, the multiple finance accounts for meeting the condition of opening an account for determining the user includes：
According to the information of opening an account of the finance account of the user, obtains the user and need the financial account information opened up；
According to the financial account information for needing to open up, user's finance account demand schedule, the finance account demand schedule are generated
Including the user needs at least one finance account for meeting the condition of opening an account of the finance account and the user that open up；
The step of described while establishment and the multiple finance account of the bank card binding of the user, including：
Multiple finance accounts corresponding with user's finance account demand schedule are created simultaneously, wherein the multiple finance account
With the bank card binding of the user.
4. the account-opening method of finance account as described in claim 1, which is characterized in that described while establishment is with the user's
Before the step of the multiple finance account of bank card binding, further include：
By the bank card information corresponding with the user getting and finance account open an account information sharing to institute
It states in the corresponding server-side of multiple finance account institutes；
The step of described while establishment and the multiple finance account of the bank card binding of the user, including：
In server-side corresponding with the multiple finance account, the bank of the user received according to respectively
The corresponding finance account of information creating of opening an account of card information and finance account.
5. the account-opening method of finance account as claimed in claim 4, which is characterized in that it is described by it is described it is getting with it is described
The information sharing of opening an account of the corresponding bank card information of user and finance account is to corresponding respectively with the multiple finance account institute
Server-side on step, including：
By the bank card information corresponding with the user getting, finance account open an account information and authorization message is total to
It enjoys with the multiple finance account institute in corresponding server-side；
In server-side corresponding with the multiple finance account, the bank of the user received according to respectively
The step of information creating of opening an account of card information and finance account corresponding finance account, including：
In server-side corresponding with the multiple finance account, judge whether to receive the authorization message respectively；
When server-side receives the authorization message, in the server-side, according to the bank of the user received
The corresponding activated finance account of the information creating of opening an account of card information and finance account；
When server-side does not receive the authorization message, in the server-side, according to the silver of the user received
The corresponding unactivated finance account of the information creating of opening an account of row card information and finance account.
6. the account-opening method of finance account as claimed in claim 5, which is characterized in that it is described when server-side do not receive it is described
When authorization message, in the server-side, according to the bank card information of the user received and opening for finance account
The step of family information creating corresponding unactivated finance account, including：
When server-side does not receive the authorization message, in the server-side, judge current service end safe class whether
More than preset secure threshold；
When the safe class at current service end is more than preset secure threshold, in the server-side, received according to described
The bank card information of the user and the corresponding unactivated finance account of the information creating of opening an account of finance account.
7. the account-opening method of finance account as described in claim 1, which is characterized in that described while establishment is with the user's
The step of the multiple finance account of bank card binding, including：
Generate finance account log-on message；
According to the finance account log-on message, while creating the multiple financial account with the bank card binding of the user
Family, the multiple finance account are logged in by the finance account log-on message.
8. a kind of financial services system end, the business of opening an account for executing finance account, which is characterized in that including：
Acquisition module, the finance account account opening request for responding user, obtain corresponding with user bank card information with
And the information of opening an account of finance account；
Determining module determines that the user's meets the condition of opening an account for the information of opening an account according to the finance account of the user
Multiple finance accounts；
Creation module is used for while creating the multiple finance account with the bank card binding of the user.
9. a kind of financial services system end, the business of opening an account for executing finance account, which is characterized in that including communication module,
Processor, memory and storage are on a memory and the computer program that can run on a processor；The processor executes institute
The step of account-opening method such as claim 1-7 any one of them finance accounts being realized when stating computer program.
10. a kind of computer readable storage medium, which is characterized in that be stored with computer on the computer readable storage medium
Program realizes the side of opening an account of claim 1-7 any one of them finance accounts when the computer program is executed by processor
The step of method.
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| CN201711472837.6A CN108335191B (en) | 2017-12-29 | 2017-12-29 | Financial account opening method, financial service system terminal and computer storage medium |
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| Application Number | Priority Date | Filing Date | Title |
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| CN201711472837.6A CN108335191B (en) | 2017-12-29 | 2017-12-29 | Financial account opening method, financial service system terminal and computer storage medium |
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| CN108335191A true CN108335191A (en) | 2018-07-27 |
| CN108335191B CN108335191B (en) | 2020-05-26 |
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| Application Number | Title | Priority Date | Filing Date |
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| CN201711472837.6A Active CN108335191B (en) | 2017-12-29 | 2017-12-29 | Financial account opening method, financial service system terminal and computer storage medium |
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| CN111028076A (en) * | 2019-12-31 | 2020-04-17 | 广东华兴银行股份有限公司 | Bank on-line account opening method and device based on asynchronous processing and storage medium |
| CN111833037A (en) * | 2020-07-01 | 2020-10-27 | 中国建设银行股份有限公司 | Account management method and device |
| CN111833176A (en) * | 2020-07-08 | 2020-10-27 | 北京比财数据科技有限公司 | Financial account opening method, financial account opening device and financial account opening system |
| CN112184411A (en) * | 2020-09-17 | 2021-01-05 | 京东数字科技控股股份有限公司 | Account processing method and device |
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| CN111028076A (en) * | 2019-12-31 | 2020-04-17 | 广东华兴银行股份有限公司 | Bank on-line account opening method and device based on asynchronous processing and storage medium |
| CN111833037A (en) * | 2020-07-01 | 2020-10-27 | 中国建设银行股份有限公司 | Account management method and device |
| CN111833176A (en) * | 2020-07-08 | 2020-10-27 | 北京比财数据科技有限公司 | Financial account opening method, financial account opening device and financial account opening system |
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Also Published As
| Publication number | Publication date |
|---|---|
| CN108335191B (en) | 2020-05-26 |
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