CN110232554A - A kind of banking quickly handles management method - Google Patents
A kind of banking quickly handles management method Download PDFInfo
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- CN110232554A CN110232554A CN201910188632.8A CN201910188632A CN110232554A CN 110232554 A CN110232554 A CN 110232554A CN 201910188632 A CN201910188632 A CN 201910188632A CN 110232554 A CN110232554 A CN 110232554A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- 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
- G06Q10/00—Administration; Management
- G06Q10/10—Office automation; Time management
- G06Q10/103—Workflow collaboration or project management
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
- G06Q20/40145—Biometric identity checks
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- 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
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
- G06Q30/0601—Electronic shopping [e-shopping]
- G06Q30/0633—Lists, e.g. purchase orders, compilation or processing
- G06Q30/0635—Processing of requisition or of purchase orders
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- 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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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06V—IMAGE OR VIDEO RECOGNITION OR UNDERSTANDING
- G06V10/00—Arrangements for image or video recognition or understanding
- G06V10/20—Image preprocessing
- G06V10/22—Image preprocessing by selection of a specific region containing or referencing a pattern; Locating or processing of specific regions to guide the detection or recognition
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06V—IMAGE OR VIDEO RECOGNITION OR UNDERSTANDING
- G06V40/00—Recognition of biometric, human-related or animal-related patterns in image or video data
- G06V40/30—Writer recognition; Reading and verifying signatures
- G06V40/33—Writer recognition; Reading and verifying signatures based only on signature image, e.g. static signature recognition
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Abstract
The invention discloses a kind of bankings quickly to handle management method, client first carries out client's identification, client identity verification and recognition of face, carried out in a manner of shopping cart on bank client again individual event or multinomial business handling and clearing, finally only need client to confirm and verify the on-line processing that multinomial business can be completed；It is client's transacting business that this banking, which handles management method by bank client, after certification, client can handle simultaneously multiple business and settle accounts together, client only needs to carry out identifying code, password and signature confirmation during business handling respectively while not needing to wait in line, not only improved banking efficiency but also improving customer experience.
Description
Technical field
The invention belongs to administrative skill field, more particularly relates to a kind of banking and quickly handle management method.
Background technique
Existing bank counter business handling is essentially all single-threaded mode of operation, and a cabinet face-port mouth is one and handles industry
The queue of business, client must the first number of taking, wait the client of front that can just remove transacting business after the completion of handling, and can only once handle
One business, business handling efficiency is lower, and customer experience is poor.Pre-fill single system also can only the simple customer information of typing, and
It not can be carried out the operation such as clearing, and client needed to carry out multiple confirmation operation, influence customer experience.
Summary of the invention
1, goal of the invention.
The technical problem to be solved by the present invention is in order to solve the problems, such as banking to handle inefficiency, the present invention provides one
Kind banking handles management method quickly to solve the above problems.
2, the technical solution adopted in the present invention.
The technical solution adopted by the present invention to solve the technical problems is: a kind of banking quickly handles management method,
The following steps are included:
S1, bank client initiate customer authentication and request and obtain the identity card front and back sides picture of client, and image platform will be described
The identity card front and back sides picture that bank client is sent saves and generates the first Docket Number, and the image platform will be described
First Docket Number is back to the bank client, and first Docket Number is sent to OCR by the bank client to be known
Other platform, the OCR identifying platform obtain the identity card front and back sides in the image platform according to first Docket Number
Picture simultaneously is parsed to obtain ID card information；
The ID card information is back to the bank client by the OCR identifying platform, and the bank client will be described
ID card information, which is sent to core system inquiry, whether there is customer information corresponding with the ID card information, if there is no
The customer information, the bank client then initiate account opening request to user, and customer information is created in the core system；
The bank client obtains nine element information of client and the Client handset number that will acquire is sent to the electronics
Channel integration platform, the electronic channel integration platform generate the second identifying code and by second identifying code and Client handsets number
It is sent to the SMS platform, the SMS platform sends second identifying code to the Client handset number；
The bank client obtains second short message verification code and sends out second short message verification code and Client handset number
It send to the electronic channel integration platform, the electronic channel integration platform is according to cell-phone number inquiry second verifying
Code, then second identifying code and the second short message verification code are compared, described second is regenerated if comparison result is inconsistent tests
Card code verified, if comparison result unanimously if to the bank client feedback validation code verification pass through, the bank client
Nine element information of client is sent to the core system by end, and the core system generates the core customer number and new
Customer information simultaneously creates successfully to bank client feedback；
If there is the customer information, the core system first sends core customer number, client's surname to the bank client
Name and customer status, then send nine element information of client to the bank client and supplement and modify for client and customer manager；
S2, the bank client obtain identity card front and back sides figure from the image platform by first Docket Number
Piece, the bank client obtain the first verification message from the core system by identification card number, and the bank client will
Client certificate type, client certificate number and customer name are sent to the core system, then by the core system in people
Search the second verification message in row identity verification system, people's row identity verification system is by the core system by described
Two verification messages are sent to bank client；
The bank client the first verification message and second verification message described in display page presentation simultaneously obtains representative verification
As a result external command continues to trade if verifying and passing through, and the bank client will be described if it can not verify
The true reverse side photo of first verification message, the second verification message, identity card and identification card number are sent to concentrative operation platform and are examined
Core, the bank client is to the concentrative operation platform poll approval results, if examining the continuous business if, if examination & approval are not
By then terminating transaction；
S3, the bank client initiate recognition of face certification request and the head portrait photo of client that will acquire be sent to it is described
Image platform, the influence platform generate the second Docket Number after saving the head portrait photo and return it to the bank visitor
Second Docket Number and identification card number are sent to recognition of face platform by family end, the bank client, and the face is known
Other platform inquires the newest stock photo of client and according to second Docket Number from the image according to the identification card number
Platform obtains the head portrait photo；
The recognition of face platform compares the head portrait photo and newest stock photo obtains similarity and sends out the similarity
It sending to the bank client, the bank client judges the similarity according to the max-thresholds and minimum threshold of setting,
Indicate that recognition of face certification passes through if the similarity is greater than the max-thresholds, if the similarity is located at the maximum threshold
It needs to carry out manual examination and verification between value and minimum threshold, indicates that recognition of face certification passes through if manual examination and verification pass through, if people
Work audit, which does not pass through, or the similarity is less than the minimum threshold then indicates that recognition of face certification does not pass through, and transaction terminates；
S4, the bank client obtain the external command and purchase information of addition shopping cart, and the bank client is by tying up
Determine account and inquire account state in the core system, passes through the bank client if account has abnormality and prompt, if
Account state without exception, the bank client judge whether the purchase information format is correct and marks out the letter of format error
Breath；
The purchase information is sent to business pivoting system, the business hinge after the bank client confirmation format is errorless
System judges whether there is the shopping cart with the binding account relating according to the purchase information, then creates shopping if it does not exist
Vehicle and by the shopping cart and the binding account relating, if it exists shopping cart or shopping cart is newly-built completes, the business pivot
Knob system judges whether the state for the financial product bought is normal according to the purchase information, to the bank visitor if abnormal
Shopping cart addition failure is fed back at family end, then adds the purchase information into the shopping cart if normal, and objective to the bank
Family end feedback shopping cart adds successfully；
S5, the bank client obtain submit shopping cart external command and by the core customer number, shopping cart number and
Product item detail mark is sent to the business pivoting system, and there are judge to be again after shopping cart for the business pivoting system confirmation
No presence, which is reported the loss, closes class product；
Business pivoting system confirmation exist report the loss close class product after roll over information from obtaining card by the bank client,
The business pivoting system is being sent to the core system according to the card folding information and is being returned by the core system
Account type judges whether it is card and rolls over integrated family；
The business pivoting system confirmation account is to judge whether the card folding information is card number again after card rolls over integrated family, the industry
Business pivoting system confirm card folding information be continue judge that rolling over information with the presence or absence of card in shopping cart does shopping item after card number, if
There are the business pivoting system, then inquirying card rolls over the corresponding product attribute information of information shopping item；
If it is that card rolls over integrated family or the business pivoting system judges the card that the business pivoting system, which judges account not,
Folding information is not that there is no stick information shopping item, the business pivoting system for card number or business pivoting system judgement
The total value for closing class product then will be reported the loss and adjusting type service charge is updated to 0；
The business pivoting system determines whether to do interest tentative calculation according to the product attribute information, if desired does interest tentative calculation
Whether the absolute value for being then badly in need of the interest tentative calculation gold that judgement is calculated is equal with the absolute value of product value, if the equal industry
Pivoting system of being engaged in then calculates total amount and means of payment limit according to the product value, if the unequal business pivoting system
The total amount and means of payment limit are then calculated according to the interest tentative calculation gold and update the gold of the card folding information shopping item
Volume；
If you do not need to doing interest tentative calculation or the total amount and the calculating completion of means of payment limit, the business pivoting system
Order total amount is then calculated, then judges whether to get the means of payment information of bank client transmission, if having not been obtained
The means of payment information is obtained by product service center, after the business pivoting system gets the means of payment information
Calculate payment limit and by the order total amount, means of payment information and means of payment limit be sent to bank client for
Family selection；
S6, the bank client obtain and initiate identifying code verifying after saving the means of payment information and payment amount, then
The Client handset number that will acquire is sent to electronic channel integration platform, and the electronic channel integration platform generates third identifying code simultaneously
The third identifying code and Client handset number are sent to SMS platform, the SMS platform sends institute to the Client handset number
State third identifying code；
Short message verification code is obtained outside the bank client and the short message verification code and Client handset number are sent to electronics
Channel integration platform, the electronic channel integration platform inquires the third identifying code according to the Client handset number, then compares
The third identifying code and short message verification code, if comparison result unanimously if it is logical to bank client feedback validation code verifying
It crosses, carries out identifying code verifying again if inconsistent；
Identifying code is verified the rear bank client and obtains bank's card number and withdrawal password and send it to the core
System, the core system encrypt the withdrawal password and obtain Crypted password, further according to bank's card number password for inquiry ciphertext,
The core system compares the Crypted password and the cryptographic secret, to the bank client feedback cipher if always
It is verified, the feedback cipher authentication failed if inconsistent；
The shopping cart information, core customer number and identification card number are sent to collection by the rear bank client by password authentification
Middle job platform does authorization examination & approval, and the bank client is to the concentrative operation platform poll approval results and judges that authorization is examined
It criticizes and whether passes through, the continuous business if authorization examination & approval pass through, if examination & approval, which are not fed back by the bank client, authorizes audit
Do not pass through and terminates transaction；
S7, the bank client show shopping cart information and client's confirmation form and the signature picture for obtaining client, the bank
The signature picture is sent to image platform and saved by client, and the image platform returns to third Docket Number, the bank
The third Docket Number is sent to OCR identifying platform by client, and the OCR identifying platform is according to the third Docket Number
The signature picture is obtained from the image platform and identifies that the signature picture obtains name of signing, then by the signature name
It is back to the bank client；
The bank client judges whether the signature name is consistent with customer name, if the inconsistent bank client
The signature picture is reacquired, compiles the core customer number, shopping cart number, product if the consistent bank client
Number, shopping cart detail mark, the means of payment and cash payment be sent to the business pivoting system；
The business pivoting system generates O/No. and compiles the O/No., core customer number, shopping cart number, product
Number, shopping cart detail mark, the means of payment and cash payment insertion order flow water meter in, then to the bank client feedback order
It is single to create successfully；
The business pivoting system judges whether the means of payment include part of paying in cash, complete if cashless payment part
At from customer's account, to the accounting records of internal account, cash is completed if including cash portion and is operated with paper money and cash journal, payment
After the completion, the business pivoting system is completed to deliver object processing operation further according to concrete condition.
Preferably, in step sl, the step of client supplements and modifies nine element information of client is the bank
Client obtains modified nine element information of client and simultaneously sends it to the core system, if desired supplement or more
Change the Client handset number, the bank client obtains the Client handset number and sends it to the electronic channel integration
Platform, the electronic channel integration platform generate the first identifying code and first identifying code and Client handset number are sent to institute
SMS platform is stated, the SMS platform sends first identifying code to the Client handset number；
The bank client obtains first short message verification code and sends out first short message verification code and Client handset number
It send to the electronic channel integration platform, the electronic channel integration platform is according to cell-phone number inquiry first verifying
Code, then first identifying code and the first short message verification code are compared, described first is regenerated if comparison result is inconsistent tests
Card code verified, if comparison result unanimously if to the bank client feedback validation code verification pass through；
Nine element information of the client after supplement and change is sent to the core system and updates visitor by the bank client
Family information.
Preferably, further including referring between step S4 and S5 outside step S41, the bank client continue to obtain
It enables, step S4 is repeated if the external command for getting addition shopping cart；
If getting the external command of inquiry shopping cart information, the identification card number is sent to the industry by the bank client
Be engaged in pivoting system, the business pivoting system by with the shopping cart information of the made account relating of identity card and calculate expense
Information, then shopping cart information and cost information are returned into the bank client, the bank client shows the shopping
Vehicle information and cost information；
If getting the external command of modification shopping cart information, the bank client obtains the product number and production for needing to modify
The business pivoting system is numbered and sent it to shopping cart where product, and the business pivoting system is by the corresponding purchase
It buys information and is back to the bank client for client's modification, the bank client will after obtaining the external command that modification is completed
The modified purchase information is sent to the business pivoting system and updates shopping cart and repair to bank client feedback
It is changed to function；
If getting the external command for deleting shopping cart information, the bank client obtains the product number and production for needing to delete
The business pivoting system is numbered and sent it to shopping cart where product, and the business pivoting system is by the corresponding purchase
It buys information deletion and is deleted successfully to bank client feedback.
3, technical effect caused by the present invention.
The invention has the advantages that it is that client handles industry that this banking, which handles management method by bank client,
Business, after certification, client can handle simultaneously multiple business and settle accounts together, and client is during business handling
It only needs to carry out identifying code, password and signature confirmation respectively while not needing to be waited in line, both improved banking effect
Rate improves customer experience again.
Detailed description of the invention
Fig. 1 is the structure chart that a kind of banking of the present invention handles management system.
Fig. 2 is the flow chart for the optimum embodiment that a kind of banking of the present invention quickly handles management method.
Fig. 3 is that a kind of banking of the present invention quickly handles managing customer identification check flow chart.
Fig. 4 is that a kind of banking of the present invention quickly handles management face identification process figure.
Fig. 5 is that a kind of banking of the present invention quickly handles management shopping cart addition decision flow chart.
Fig. 6 is that a kind of banking of the present invention quickly handles management shopping cart submission process flow diagram.
Fig. 7 is that a kind of banking of the present invention quickly handles managing customer payment flow figure.
Fig. 8 is that a kind of banking of the present invention quickly handles management signature verification flow chart.
Specific embodiment
As shown in Figure 1, handle system the present invention provides a kind of banking, including bank client, image platform,
OCR identifying platform, core system, people's row identity verification system, concentrative operation platform, recognition of face platform, business hinge platform,
Electronic channel integration platform and SMS platform, bank client are present on mobile terminal, and mobile terminal includes but is not limited to apple
The M series tablet computer etc. that the ipad series tablet computer of fruit company production, Huawei produce.
Image platform, OCR identifying platform, core system, people's row identity verification system, concentrative operation platform, recognition of face
Platform, business hinge platform electronic channel integration platform and SMS platform each are present in data-handling capacity and storage energy
Bank's PC(computer of power) on end.Mobile terminal and bank's PC(computer) end accesses internal network and can be by interior
Portion's network carries out data communication.
Image platform image information, OCR the identifying platform text information in image for identification for identification, core system
It is responsible for the preservation and inquiry of significant data, people's row identity verification system is responsible for saving client identity information, and concentrative operation platform is used
In the audit of information, recognition of face platform is for identification with comparison face information, and business hinge platform is for handling banking
Data, electronic channel integration platform and SMS platform are used for generation, transmission and the verifying of identifying code.
Based on system above, the embodiment that a kind of banking quickly handles management method is provided, as shown in Fig. 2 ~ 8,
The following steps are included:
S1, customer manager obtain identity card from client's hand, are reusing the camera shooting identity card carried on mobile terminal just
Identity card front and back sides picture is simultaneously sent to image platform by bank client by reverse side picture, and image platform is positive and negative by identity card
Face picture generates the first Docket Number with the binding of identity card front and back sides picture and the first Docket Number is returned to silver after saving
Row client.
First Docket Number is sent to OCR identifying platform by bank client, and OCR identifying platform sends out the first Docket Number
It send to image platform, the identity card front and back sides picture bound with the first Docket Number is returned to OCR identifying platform by image platform.
OCR identifying platform extracts ID card information from the picture of identity card front and back sides and believes identity card using OCR technique
Breath returns to bank client, ID card information include identification card number, name, gender, birthdate, nationality, home address,
Certificate issuing organization and certificate validity period.Identification card number is sent to core system by bank client, and core system is according to identity
Card number inquiry in the client information table of core system database whether there is customer information corresponding with identification card number.
If there is customer information corresponding with identification card number, core system first can return to core customer to bank client
Number, customer name and customer status, then nine element information of client is sent to bank client, banking system client is by client
Nine element informations are shown on mobile terminal display screen.Nine element information of client includes customer name, client certificate type, client
Passport NO., client gender, client nationality, client certificate validity period, Client handset number, client occupation and customer households address,
Client and customer manager can check and modify to nine element information of client of displaying.
Client directly modifies the information of mistake on the display page and supplements the information of blank, if being to modify or mend
Client handset number is filled, banking system can show that identifying code verifies the page and the Client handset number that will acquire is sent in mobile terminal
To electronic channel integration platform.Electronic channel integration platform generates 6 the first identifying codes by digital and alphabetical mixing simultaneously at random
First identifying code and Client handset number are bound, the first identifying code and Client handset number are saved and will by electronic channel integration platform
First identifying code and Client handset number are sent to SMS platform, and SMS platform sends the first identifying code to Client handset number.
Client, which receives, to be filled in identifying code for the first short message verification code after the first short message verification code and verifies the page, bank client
The first short message verification code and Client handset number are sent to electronic channel integration platform, electronics after the first short message verification code of end acquisition
Channel integration platform inquires the first identifying code according to Client handset number, then the first identifying code and the first short message verification code are compared,
If inconsistent electronic channel integration platform will generate the first new identifying code and re-start identifying code verification, if unanimously, electricity
Sub- channel integration platform passes through to the verification of bank client feedback validation code.
If client confirms that nine element information of client is errorless or modified and it is errorless to supplement, bank client is by client
Nine element informations are sent to core system, and core system updates in core system database according to nine element information of client received
Customer information and to bank client return it is successfully modified.
If there is no customer information corresponding with identification card number, core system will return to client not to bank client
Existing message, bank client initiate account opening request to user and client are required to input nine element information of client.Bank client
After end gets nine element information of client that client inputs on mobile terminals, show that identifying code verifies the page simultaneously in mobile terminal
Client handset number is sent to electronic channel integration platform.Electronic channel integration platform generates 6 at random and is mixed by number and letter
The second identifying code closed simultaneously binds the second identifying code and Client handset number, and electronic channel integration platform is by the second identifying code and visitor
Family cell-phone number saves and the second identifying code and Client handset number is sent to SMS platform, and SMS platform is sent to Client handset number
Second identifying code.
Client, which receives, to be filled in identifying code for the second short message verification code after the second short message verification code and verifies the page, bank client
The second short message verification code and Client handset number are sent to electronic channel integration platform, electronics after the second short message verification code of end acquisition
Channel integration platform inquires the second identifying code according to Client handset number, then the second identifying code and the second short message verification code are compared,
If inconsistent electronic channel integration platform will generate the second new identifying code and re-start identifying code verification, if unanimously, electricity
Sub- channel integration platform passes through to the verification of bank client feedback validation code, and nine element information of client is sent to by bank client
Core system, core system generate customer ID and are inserted into new client's letter in the client information table of core system database
Breath, then created successfully to bank client feedback customer information.
After the completion of S2, client's identification, bank client carries out client identity verification to client.Bank client is by First Case
Volume number is sent to image platform, and identity card front and back sides picture is returned to bank client by image platform.
Identification card number is sent to core system by bank client, and core system is according to identification card number in core system data
The first verification message is inquired in the client information table in library, the first verification message is back to bank client by core system.First
Verification message includes customer name, client certificate type, client certificate number, client gender, client nationality, client's date of birth
Day and client certificate validity period.
Bank client is by client certificate type, client certificate number and customer name is sent to and core system, core
Client certificate type, client certificate number and customer name are sent to people's row identity verification system, people's row identification check by system
System is inquired the second verification message according to the client certificate type, client certificate number and the customer name that receive and is verified second
Information returns to core system, and the second verification message is sent to bank client by core system.Second verification message includes surname
Name, type of credential, passport NO., gender, nationality, birthdate, certificate validity period and head portrait.
Bank client shows that the first verification message and the second verification message are examined for customer manager simultaneously on mobile terminals
Core, if the consistent customer manager of information confirms that audit passes through on bank client, transaction continues.If bank client obtains
To the instruction that can not be audited, bank client is by the first verification message, the second verification message, identity card front and back sides picture and identity
Card number is sent to concentrative operation platform.Concentrative operation platform is by the first verification message, the second verification message, identity card front and back sides figure
Piece and identification card number are inserted into task list, distribute to idle concentrative operation auditor, and concentrative operation auditor examines
The first verification message of core, the second verification message, identity card front and back sides picture and identification card number information consistency and will audit knot
Fruit saves, and auditing result is that 1 expression audit passes through, and auditing result indicates that audit does not pass through for 0.
Bank client sent identification card number to concentrative operation platform every two minutes and inquires auditing result, if concentrated
Job platform inquires auditing result according to identification card number, and the auditing result inquired is back to bank visitor by concentrative operation platform
Family end illustrates that audit does not complete, concentrative operation platform does not return data to bank client if not inquiring auditing result
End, bank client are inquired next time after two minutes.
Bank client judges whether audit passes through according to auditing result, shows if auditing and passing through in bank client
Prompt audit shows that prompt is audited obstructed on the page in bank client if audit does not pass through by simultaneously continuous business on the page
It crosses and shuts the book.
S3, client identity are verified after the approval, and bank client is initiated recognition of face certification request to user and required
Client uploads head portrait photo.The head portrait photo for the camera shooting client that customer manager is carried using mobile terminal, bank client
End gets and head portrait photo is sent to image platform after head portrait photo, image platform will head portrait photo save after generate and head portrait
Second Docket Number is simultaneously back to bank client by the second Docket Number of photo binding.
Second Docket Number and identification card number are sent to recognition of face platform by bank client, and recognition of face platform is by
Two Docket Numbers are sent to image platform, and the head portrait photo bound with the second Docket Number is returned to recognition of face by image platform
Platform.Recognition of face platform inquires that client is newest to retain photo and shine newest photo and the head portrait of retaining of client according to identification card number
Piece is compared and obtains similarity, and similarity, head portrait photo and the newest photo of client are returned to bank by recognition of face platform
Client.
Bank client judges similarity size, indicates that recognition of face certification passes through if similarity is greater than 75%, if
Between 30% ~ 75%, bank client simultaneously will show head portrait photo and the newest photo of client in bank client similarity
On the end display page, checked for customer manager's comparison, if customer manager judges that head portrait photo and client's head portrait are the same persons
Then indicate that recognition of face certification passes through.If customer manager judge head portrait photo and the newest photo of client be not the same person or
Bank client judges that then business terminates similarity below 30%.
S4, client choose financial product by mobile terminal after authenticating by recognition of face on bank client.Visitor
Financial product is added to by the addition shopping cart icon that family clicks beside financial product after finding the financial product for wanting purchase
Shopping cart.Bank client will pop up the data input page, and client inputs purchase information in the data input page, buys packet
Product attribute, product number, deposit receipt type, deposit receipt is included to deposit the phase, deposit receipt interest rate, deposit amount, quantity purchase, draw mode, is logical
Convert mode, automatic unloading mark, recommend customer manager's number, signing type, authentication mode, binding account, contract phone number,
Client's limit and account limit.
Bank client will bind account and be sent to core system, and core system is according to binding account in core system data
Customer accounting code state is searched in the account information table in library and customer accounting code state is back to bank client.Bank client root
According to customer accounting code state judge account with the presence or absence of reported the loss, frozen and retain card abnormality, and if so, prompt
Customer accounting code exception is simultaneously closed the trade, and if there is no abnormality, bank client checks the format of the purchase information of typing
Whether correct and come out the information labeling of format error, client is according to the letter of prompt changing format mistake on the typing page
Breath.
Bank client judges that purchase information is sent to business pivoting system, industry after the purchase information format of typing is errorless
Be engaged in pivoting system according to binding account inquiry whether there is shopping cart, if there is no business pivoting system then create one with tie up
Determine the shopping cart of account relating and generates shopping cart number.If business pivoting system is inquired, there are shopping cart or shopping carts
Newly-built to complete, whether the state of the financial product of business pivoting system re-inspection purchase is normal, if the state of financial product is different
Normal business pivoting system then can not add shopping cart to bank client feedback, if the state regular traffic hinge of financial product
Purchase information is then inserted into shopping cart information table and is associated with purchase information with shopping cart number by system, then anti-to bank client
Feedback addition shopping cart success, client can continue to choose or handle shopping cart.
The operation that client can inquire shopping cart, modifies and delete.Client clicks inquiry purchase in bank client
Identification card number is sent to business pivoting system by object vehicle icon, bank client, and business pivoting system is inquired according to identification card number
The shopping cart of account relating where with identification card number, then expense is carried out to the shopping cart information for not calculating the amount of money, expense is calculated
Shopping cart information and cost information are finally sent to bank client by information.Bank client is by shopping cart information and expense
Information is shown on the display page, is checked for client and is made modification and delete operation according to own situation.
Client wants that the modification icon beside financial product can be clicked when modification shopping cart information, and bank client can incite somebody to action
The corresponding product number of financial product and shopping cart number are sent to business pivoting system.Business pivoting system is in shopping cart information
Corresponding purchase information is inquired in table and is returned to bank client, and bank client is by corresponding purchase information can compile
The state collected is shown to be modified for client.Confirmation modification, bank client believe modified purchase after the completion of client's modification
Breath is sent to business pivoting system, and business pivoting system is compiled after receiving modified purchase information according to product number and shopping cart
Number original shopping information is inquired in shopping cart information table and updates original shopping information, then be modified as to bank client feedback
Function.
Client wants that the deletion icon beside financial product can be clicked when deleting shopping cart information, and bank client can incite somebody to action
Shopping cart number where the corresponding product number of financial product and financial product is sent to business pivoting system.Business hinge system
System is inquired corresponding purchase information and is deleted in shopping cart information table, then deletes successfully to bank client feedback.
S5, client, which click, submits cart button to initiate shopping cart submission request, and bank client obtains shopping cart and submits
Core customer number, shopping cart number and product item detail mark are sent to business pivoting system, business pivoting system after request
It is first searched whether according to shopping cart number there are shopping cart, submits and lose to bank client feedback shopping cart if not finding
It loses.If having found shopping cart, judges whether there is to report the loss further according to product item detail mark if business pivoting system and close class
Product.
It reports the loss if it exists and closes class product, business pivoting system then sends to bank client and obtains card number or bankbook number
Request, bank client initiate to obtain the request of card number or bankbook number and pop up the typing page to client, and client is in the typing page
Input card rolls over information, and the card folding information that bank client will acquire is sent to business pivoting system, and business pivoting system rolls over card
Information is sent to core system, and core system is searched Account Type according to card folding information and returned in core system database
It is back to business pivoting system, business pivoting system judges whether account is that card rolls over integrated family.
If account is not that card rolls over integrated family, the total of class product is closed reporting the loss by do not do tentative calculation if business pivoting system
Volume and adjusting type service charge are updated to 0.
If account is that card rolls over integrated family, business pivoting system judges whether card folding information is card number again, if not card
Number the total value that class product is closed reporting the loss for not doing tentative calculation and adjusting type service charge are then updated to 0, if it is card number service pivot
Knob system, which then continues, to be judged in shopping cart with the presence or absence of card folding information shopping item.If there is no card folding information shopping item business hinge
The total value that class product is closed reporting the loss for not doing tentative calculation and adjusting type service charge are then updated to 0 by system, if there is business pivot
Knob system then rolls over the corresponding product number of information shopping item, function number and Property Name according to card and inquires product attribute information.
Business pivoting system determines whether to do interest tentative calculation logical process further according to the product attribute information of return, if
It does not need, directly carries out order expense tentative calculation, then call interest tentative calculation subprogram to be calculated if necessary to business pivoting system
Interest total splits.Business pivoting system judges whether the absolute value of interest total splits is equal with product value absolute value, such as
The equal interest total splits of fruit then directly carries out the calculating of total amount and means of payment limit with product value, if unequal
The calculating of total amount and means of payment limit and the amount of money of more neocaine folding information shopping item are carried out using interest total splits.
Business pivoting system carries out recalling the progress electronic cash tentative calculation of order expense subprogram and judges whether to receive silver
The means of payment information that row client is sent is called product center service and is inquired if not receiving business pivoting system
Means of payment information.Business pivoting system calculates the corresponding payment limit of each means of payment after obtaining the means of payment
Volume, and order total amount, means of payment information and means of payment limit are sent to bank client.
Bank client is chosen in display page presentation order total amount, means of payment information and means of payment limit for client
Choosing.
The means of payment and corresponding payment amount that S6, bank client will acquire save and carry out identifying code verifying.Silver
Row client request obtains Client handset number and pops up the identifying code verifying page, and client inputs client's hand in the identifying code verifying page
Client handset number is sent to electronic channel integration platform by machine number, bank client, and electronic channel integration platform generates 6 at random
By number and the third identifying code of letter mixing and third identifying code and Client handset number are bound, electronic channel integration platform will
Third identifying code and Client handset number save and third identifying code and Client handset number are sent to SMS platform, SMS platform to
Client handset number sends third identifying code.
Client, which receives, to be filled in identifying code for third short message verification code after third short message verification code and verifies the page, bank client
Third short message verification code and Client handset number are sent to electronic channel integration platform, electronics after end acquisition third short message verification code
Channel integration platform inquires third identifying code according to Client handset number, then third identifying code and third short message verification code are compared,
If inconsistent electronic channel integration platform will generate new third identifying code and re-start identifying code verifying, if unanimously, electricity
Sub- channel integration platform is then verified to bank client feedback validation code.
Bank client initiates password authentification to client and pops up password authentification interface, and client is defeated on password authentification interface
Enter bank's card number and withdrawal password, withdrawal password and bank's card number are sent to core system, core system pair by bank client
Withdrawal password carries out turning encryption obtaining Crypted password.Core system further according to bank's card number core system database account
Password for inquiry ciphertext, core system compare Crypted password and cryptographic secret in the information table of family.If Crypted password and close
The code essentially equal core system of ciphertext is then verified to bank client feedback cipher, the Xiang Yin if unequal core system
Row client feedback password authentification failure.
After password authentification success, bank client carries out authorization audit to the business to be handled of client.Bank client will
Shopping cart information, core customer number and identification card number are sent to concentrative operation platform, and concentrative operation platform is by shopping cart information, core
Heart customer ID and identification card number are inserted into examination & approval queue and assign them to idle concentrative operation approving person.Concentrative operation
Approving person carries out authorization examination & approval according to shopping cart information, core customer number and identification card number, and authorization approval results are saved,
Authorization approval results are that 1 expression passes through, and indicate not pass through for 0.
Authorization approval results inquiry request and identification card number are sent to concentrative operation platform within bank client every two minutes, award
After the completion of power examination & approval, concentrative operation platform can return to authorization approval results to bank client.Bank client judgement authorization is examined
It criticizes and whether passes through, prompt client authorization examination & approval by simultaneously on the display page if authorization examination & approval are not by bank client
And transaction is terminated, the examination & approval of prompt client authorization pass through and continue on the display page if authorization examination & approval are by bank client
Transaction.
After S7, authorization examination & approval pass through, bank client shows shopping cart information and client's confirmation form, visitor on the display page
Family needs confirmation of signing after having checked shopping cart information and client's confirmation form.
The signature icon that client clicks on the display page opens sign board, is signed on the screen of the mobile terminal with finger.
Bank client sends it to image platform after obtaining the signature picture of client, image platform save signature picture and generate with
Third Docket Number is returned to bank client by the third Docket Number that picture of signing is bound, image platform.Bank client
Third Docket Number is sent to OCR identifying platform, third Docket Number is sent to image platform, image by OCR identifying platform
The signature picture bound with third Docket Number is back to OCR identifying platform by platform.OCR identifying platform carries out signature picture
Identification obtain signature name, OCR identifying platform will sign name and signature picture save, then will signature name be back to bank visitor
Family end.
To sign name and customer name of bank client is compared, and if the comparison results are inconsistent, and bank client exists
Prompt client signs again on the display page, and if the comparison results are consistent then indicates that signature is identified through.After signature is identified through,
Bank client is by core customer number, shopping cart number, product number, shopping cart detail mark, the means of payment and cash payment
It is sent to business pivoting system.
Business pivoting system generates O/No. and compiles O/No., core customer number, shopping cart number, product
Number, shopping cart detail mark, the means of payment and cash payment insertion order flow water meter in.Business hinge again will be in order flow water meter
Order status be changed to state to be paid, then to bank client return the successful message of order creation.
Business pivoting system judges that the means of payment include pay in cash part, if not paying in cash part, business pivot
Knob system calls directly the charging interface service of core system, completes to operate from customer's account to the book keeping operation of internal account if there is cash
Part payment, business hinge are then completed cash and are operated with paper money and cash journal.After business pivoting system completes order delivery operation
It judges whether there is delivery object to need to consign to client, be completed if order entire without if, need to deliver if there is delivering object, industry
Pivoting system of being engaged in then calls the processing of the corresponding service interface completion delivery object of core system according to the concrete condition for delivering object.Example
There is deposit receipt to open an account product in the product bought such as client, business pivoting system is then needed core customer number, O/No. and purchase
Object vehicle number is sent to core system, and the current minimum voucher number of core system inquiry, Anshun sequence sells one from voucher case
Voucher simultaneously registers voucher flowing water, recalls printer and completes the operations such as deposit receipt printing.
According to some other embodiments, authenticated client can also be carried out with bank card in step S1.
Customer manager obtains bank card from client's hand, is reusing the camera shooting bank card carried on mobile terminal just
Bank card front and back sides picture is simultaneously sent to image platform by bank client by reverse side picture, and image platform is positive and negative by bank card
Face picture generates the first Docket Number with the binding of bank card front and back sides picture and the first Docket Number is returned to silver after saving
Row client.
First Docket Number is sent to OCR identifying platform by bank client, and OCR identifying platform sends out the first Docket Number
It send to image platform, the bank card front and back sides picture bound with the first Docket Number is returned to OCR identifying platform by image platform.
OCR identifying platform extracts bank card information from the picture of bank card front and back sides and believes bank card using OCR technique
Breath returns to bank client, and bank card information includes bank's card number.Bank's card number is sent to core system by bank client,
Core system is inquired according to bank's card number in the client information table of core system database with the presence or absence of corresponding with bank's card number
Customer information, and be further processed according to the result of inquiry, processing method is the same as step S1.
The above embodiment is a preferred embodiment of the present invention, but embodiments of the present invention are not by above-described embodiment
Limitation, other any changes, modifications, substitutions, combinations, simplifications made without departing from the spirit and principles of the present invention,
It should be equivalent substitute mode, be included within the scope of the present invention.
Claims (3)
1. a kind of banking quickly handles management method, it is characterised in that: the following steps are included:
S1, bank client initiate customer authentication and request and obtain the identity card front and back sides picture of client, and image platform will be described
The identity card front and back sides picture that bank client is sent saves and generates the first Docket Number, and the image platform will be described
First Docket Number is back to the bank client, and first Docket Number is sent to OCR by the bank client to be known
Other platform, the OCR identifying platform obtain the identity card front and back sides in the image platform according to first Docket Number
Picture simultaneously is parsed to obtain ID card information；
The ID card information is back to the bank client by the OCR identifying platform, and the bank client will be described
ID card information, which is sent to core system inquiry, whether there is customer information corresponding with the ID card information, if there is no
The customer information, the bank client then initiate account opening request to user, and customer information is created in the core system；
The bank client obtains nine element information of client and the Client handset number that will acquire is sent to electronic channel
Integration platform, the electronic channel integration platform generate the second identifying code and send second identifying code and Client handset number
To SMS platform, the SMS platform sends second identifying code to the Client handset number；
The bank client obtains second identifying code and is sent to the second short message verification code and Client handset number described
Electronic channel integration platform, the electronic channel integration platform inquires second identifying code according to the cell-phone number, then compares
Second identifying code and the second short message verification code regenerate second identifying code if comparison result is inconsistent and are tested
Card, if comparison result unanimously if pass through to bank client feedback validation code verification, the bank client is by the visitor
Nine element information of family is sent to the core system, and the core system generates the core customer number and new customer information simultaneously
It is created successfully to bank client feedback；
If there is the customer information, the core system first sends core customer number, client's surname to the bank client
Name and customer status, then send nine element information of client to the bank client and supplement and modify for client and customer manager；
S2, the bank client obtain identity card front and back sides figure from the image platform by first Docket Number
Piece, the bank client obtain the first verification message from the core system by identification card number, and the bank client will
Client certificate type, client certificate number and customer name are sent to the core system, then by the core system in people
Search the second verification message in row identity verification system, people's row identity verification system is by the core system by described
Two verification messages are sent to bank client；
The bank client the first verification message and second verification message described in display page presentation simultaneously obtains representative verification
As a result external command continues to trade if verifying and passing through, and the bank client will be described if it can not verify
First verification message, the second verification message, identity card front and back sides picture and identification card number are sent to concentrative operation platform and are examined
Core, the bank client is to the concentrative operation platform poll approval results, if examining the continuous business if, if examination & approval are not
By then terminating transaction；
S3, the bank client initiate recognition of face certification request and the head portrait photo of client that will acquire be sent to it is described
Image platform, the image platform generate the second Docket Number after saving the head portrait photo and return it to the bank visitor
Second Docket Number and identification card number are sent to recognition of face platform by family end, the bank client, and the face is known
Other platform inquires the newest stock photo of client and according to second Docket Number from the image according to the identification card number
Platform obtains the head portrait photo；
The recognition of face platform compares the head portrait photo and newest stock photo obtains similarity and sends out the similarity
It sending to the bank client, the bank client judges the similarity according to the max-thresholds and minimum threshold of setting,
Indicate that recognition of face certification passes through if the similarity is greater than the max-thresholds, if the similarity is located at the maximum threshold
It needs to carry out manual examination and verification between value and minimum threshold, indicates that recognition of face certification passes through if manual examination and verification pass through, if people
Work audit, which does not pass through, or the similarity is less than the minimum threshold then indicates that recognition of face certification does not pass through, and transaction terminates；
S4, the bank client obtain the external command and purchase information of addition shopping cart, and the bank client is according to institute
It states purchase information and inquires account state in the core system, the bank client sending mentions if account has abnormality
Show, if account state without exception, the bank client judges whether the purchase information format is correct and marks out format mistake
Information accidentally；
The purchase information is sent to business pivoting system, the business hinge after the bank client confirmation format is errorless
System judges whether there is the shopping cart with binding account relating according to the purchase information, then creates shopping cart simultaneously if it does not exist
By the shopping cart and the binding account relating, if it exists shopping cart or the newly-built completion of shopping cart, business hinge system
System judges whether the state for the financial product bought is normal according to the purchase information, to the bank client if abnormal
Shopping cart addition failure is fed back, then adds the purchase information into the shopping cart if normal, and to the bank client
Feedback shopping cart adds successfully；
S5, the bank client obtain submit shopping cart external command and by the core customer number, shopping cart number and
Product item detail mark is sent to the business pivoting system, and there are judge to be again after shopping cart for the business pivoting system confirmation
No presence, which is reported the loss, closes class product；
Business pivoting system confirmation exist report the loss close class product after roll over information from obtaining card by the bank client,
The business pivoting system is being sent to the core system according to the card folding information and is being returned by the core system
Account type judges whether account is that card rolls over integrated family；
The business pivoting system confirmation account is to judge whether the card folding information is card number again after card rolls over integrated family, the industry
Business pivoting system confirm card folding information be continue judge that rolling over information with the presence or absence of card in shopping cart does shopping item after card number, if
There are the business pivoting systems then to inquire the corresponding product attribute information of the card folding information shopping item；
If it is that card rolls over integrated family or the business pivoting system judges institute that the business pivoting system, which judges the account not,
Stating card folding information is not that there is no card folding information shopping item, the business for card number or business pivoting system judgement
Pivoting system then will report the loss the total value for closing class product and adjusting type service charge is updated to 0；
The business pivoting system determines whether to do interest tentative calculation according to the product attribute information, if desired does interest tentative calculation
Whether the absolute value for being then badly in need of the interest tentative calculation gold that judgement is calculated is equal with the absolute value of product value, if the equal industry
Pivoting system of being engaged in then calculates total amount and means of payment limit according to the product value, if the unequal business pivoting system
The total amount and means of payment limit are then calculated according to the interest tentative calculation gold and update the gold of the card folding information shopping item
Volume；
If you do not need to doing interest tentative calculation or the total amount and the calculating completion of means of payment limit, the business pivoting system
Order total amount is then calculated, then judges whether to get the means of payment information of bank client transmission, if having not been obtained
The means of payment information is obtained by product service center, after the business pivoting system gets the means of payment information
Calculate payment limit and by the order total amount, means of payment information and means of payment limit be sent to bank client for
Family selection；
S6, the bank client obtain and initiate identifying code verifying after saving the means of payment information and payment amount, then
The Client handset number that will acquire is sent to electronic channel integration platform, and the electronic channel integration platform generates third identifying code simultaneously
The third identifying code and Client handset number are sent to SMS platform, the SMS platform sends institute to the Client handset number
State third identifying code；
Third identifying code is obtained outside the bank client and third short message verification code and Client handset number are sent to electronics
Channel integration platform, the electronic channel integration platform inquires the third identifying code according to the Client handset number, then compares
The third identifying code and third short message verification code, if comparison result unanimously if to the bank client feedback validation code verify
Pass through, carries out identifying code verifying again if inconsistent；
Identifying code is verified the rear bank client and obtains bank's card number and withdrawal password and send it to the core
System, the core system encrypt the withdrawal password and obtain Crypted password, further according to bank's card number password for inquiry ciphertext,
The core system compares the Crypted password and the cryptographic secret, to the bank client feedback cipher if consistent
It is verified, the feedback cipher authentication failed if inconsistent；
The shopping cart information, core customer number and identification card number are sent to collection by the rear bank client by password authentification
Middle job platform does authorization examination & approval, and the bank client is to the concentrative operation platform poll approval results and judges that authorization is examined
It criticizes and whether passes through, the continuous business if authorization examination & approval pass through, if examination & approval, which are not fed back by the bank client, authorizes audit
Do not pass through and terminates transaction；
S7, the bank client show shopping cart information and client's confirmation form and the signature picture for obtaining client, the bank
The signature picture is sent to image platform and saved by client, and the image platform returns to third Docket Number, the bank
The third Docket Number is sent to the OCR identifying platform by client, and the OCR identifying platform is according to the third files
Number obtains the signature picture from the image platform and identifies that the signature picture obtains name of signing, then by the signature
Name is back to the bank client；
The bank client judges whether the signature name is consistent with customer name, if the inconsistent bank client
The signature picture is reacquired, compiles the core customer number, shopping cart number, product if the consistent bank client
Number, shopping cart detail mark, the means of payment and cash payment be sent to the business pivoting system；
The business pivoting system generates O/No. and compiles the O/No., core customer number, shopping cart number, product
Number, shopping cart detail mark, the means of payment and cash payment insertion order flow water meter in, then to the bank client feedback order
It is single to create successfully；
The business pivoting system judges whether the means of payment include part of paying in cash, complete if cashless payment part
At from customer's account, to the accounting records of internal account, cash is completed if including cash portion and is operated with paper money and cash journal, payment
After the completion, the business pivoting system is completed to deliver object processing operation further according to concrete condition.
2. a kind of banking according to claim 1 quickly handles management method, it is characterised in that: in step sl,
Client supplements and is the step of modifying nine element information of client, and the bank client obtains the modified client nine
Element information simultaneously sends it to the core system, if desired supplements or change the Client handset number, the bank visitor
Family end obtains the Client handset number and sends it to the electronic channel integration platform, and the electronic channel integration platform is raw
The SMS platform is sent at the first identifying code and by first identifying code and Client handset number, and the SMS platform is to institute
It states Client handset number and sends first identifying code；
The bank client obtains first identifying code and is sent to the first short message verification code and Client handset number described
Electronic channel integration platform, the electronic channel integration platform inquires first identifying code according to the cell-phone number, then compares
First identifying code and the first short message verification code regenerate first identifying code if comparison result is inconsistent and are tested
Card, if comparison result unanimously if to the bank client feedback validation code verification pass through；
Nine element information of the client after supplement and change is sent to the core system and updates visitor by the bank client
Family information.
3. a kind of banking according to claim 2 quickly handles management method, it is characterised in that: in step S4 and S5
Between further include that step S41, the bank client continue to obtain external command, if getting the external command of addition shopping cart
Then repeat step S4；
If getting the external command of inquiry shopping cart information, the identification card number is sent to the industry by the bank client
Be engaged in pivoting system, the business pivoting system by with the shopping cart information of the made account relating of identity card and calculate expense
Information, then shopping cart information and cost information are returned into the bank client, the bank client shows the shopping
Vehicle information and cost information；
If getting the external command of modification shopping cart information, the bank client obtains the product number and production for needing to modify
The business pivoting system is numbered and sent it to shopping cart where product, and the business pivoting system is by the corresponding purchase
It buys information and is back to the bank client for client's modification, the bank client will after obtaining the external command that modification is completed
The modified purchase information is sent to the business pivoting system and updates shopping cart and repair to bank client feedback
It is changed to function；
If getting the external command for deleting shopping cart information, the bank client obtains the product number and production for needing to delete
The business pivoting system is numbered and sent it to shopping cart where product, and the business pivoting system is by the corresponding purchase
It buys information deletion and is deleted successfully to bank client feedback.
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| CN113259873A (en) * | 2021-05-20 | 2021-08-13 | 中国银行股份有限公司 | 5G message-based card change reservation method and system and bank terminal |
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