CN111028076A - Bank on-line account opening method and device based on asynchronous processing and storage medium - Google Patents
Bank on-line account opening method and device based on asynchronous processing and storage medium Download PDFInfo
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Abstract
The invention discloses an on-line account opening method of a bank based on asynchronous processing, which comprises the steps of firstly obtaining account opening information of a user and verifying the account opening information, simultaneously executing networking verification operation, element verification operation and account opening operation with non-association relation after the verification is passed, and then calling results of the three operations, thereby solving the problems that the time consumed for opening the account is long and the like caused by the synchronous sequential execution of a plurality of flow operations in the on-line account opening of the bank in the prior art, and greatly shortening the time consumed for opening the account. The invention also provides a bank linear account opening device and a storage medium based on asynchronous processing.
Description
Technical Field
The invention relates to the field of finance, in particular to an on-line bank account opening method and device based on asynchronous processing and a storage medium.
Background
At present, only one I-type account is available in bank personal settlement accounts in China, when a user needs to open a II-type or III-type account, the user needs to be verified through networking, when a certain step is executed each time, the next step can be executed after the previous step is executed, and because the online bank opening process has more steps, the time consumed for opening the account is long, the efficiency is low, and inconvenience is brought to the user.
Disclosure of Invention
In order to overcome the defects of the prior art, one of the purposes of the invention is to provide an on-line account opening method for a bank based on asynchronous processing, which can solve the problems that the on-line account opening of the bank in the prior art takes long time and the like.
The second purpose of the present invention is to provide an on-line account opening device for banks based on asynchronous processing, which can solve the problem that the on-line account opening of banks in the prior art takes long time.
The invention also aims to provide a storage medium which can solve the problems that the on-line account opening of the bank in the prior art takes long time and the like.
One of the purposes of the invention is realized by adopting the following technical scheme:
the bank on-line account opening method based on asynchronous processing comprises the following steps:
an acquisition step: acquiring an account opening request of a user and acquiring account opening information of the user according to the account opening request; meanwhile, the account opening information of the user is verified; respectively executing a verification step, a verification step and an account opening step after the verification is successful; the account opening request of the user is a request for opening a class II account and a class III account of the user;
and (3) checking: the account opening information of the user is subjected to networking check to obtain a check result;
a verification step: obtaining a user element according to account opening information of the user, and verifying the user element to obtain an element verification result;
an account opening step: creating a current account for the user according to the account opening information of the user;
calling: calling the checking result of the checking step and the element verification result of the verification step, judging whether to activate the current account according to the checking result and the element verification result, and if so, activating the current account and executing the association step; if not, quitting or returning a prompt to the user;
and (3) association step: and binding the main account with the I-type account of the user, and opening the account successfully.
Further, the calling step further comprises ending or exiting when the checking result is that the verification fails or the element verification result is that the verification fails.
Further, the calling step includes: and when the checking result is that the checking is passed and the element verification result is that the verification is passed, activating the current account.
Further, the obtaining step also comprises the step of carrying out validity verification on account opening information of the user, and when the account opening information of the user is legal, the verifying step and the account opening step are executed; and when the account opening information of one user is stored illegally, prompting the user to input an error.
Further, the verifying step: and inquiring the account opening information of the user by connecting the networking checking mechanism to check the networking, and further verifying the authenticity of the account opening information of the user and obtaining a checking result.
Furthermore, the account opening information of the user mainly comprises information such as name, certificate type, certificate number, mobile phone number, account opening type, home address and photo.
Further, the verifying step includes: inquiring to obtain a class I account of the user by connecting a background inquiry system of the bank system, and verifying the account elements to obtain an element verification result; when the account opening type is a type II account, the elements comprise a user name, a certificate type, a certificate number, a mobile phone number, a bound account number and whether the bound account is a type I user or a credit card with the same name; and when the account opening type is a type III account, the elements comprise a user name, a certificate type, a certificate number, a mobile phone number and a card binding account number.
Further, the account opening step includes:
and (3) query step: judging whether the user is in a blacklist or not according to account opening information of the user; if yes, quitting or returning to prompt the user; if not, executing the creating step;
a creating step: creating user data, a main account, a current account and a third party withholding protocol according to the account opening information of the user, and sending the third party withholding protocol to the user;
binding: and executing corresponding binding operation and other operations according to the account opening type of the user.
The second purpose of the invention is realized by adopting the following technical scheme:
the bank on-line account opening device based on asynchronous processing comprises a memory and a processor, wherein the memory is stored with a bank on-line account opening program which can run on the processor, the bank on-line account opening program is a computer program, and the processor realizes the steps of the bank on-line account opening method based on asynchronous processing adopted by one of the purposes of the invention when executing the bank on-line account opening program.
The third purpose of the invention is realized by adopting the following technical scheme:
a storage medium, which is a computer-readable storage medium, having stored thereon an online banking account opening program, which is a computer program, which when executed by a processor, implements the steps of the asynchronous processing based online banking account opening method as employed in one of the objects of the present invention.
Compared with the prior art, the invention has the beneficial effects that:
the method and the device split and execute the non-related steps in the plurality of steps involved in the bank online account opening by using the asynchronous processing technology, avoid the problem of long account opening time caused by more flows executed in sequence, greatly shorten the bank online account opening time and bring good experience to users.
Drawings
FIG. 1 is a flow chart of an on-line bank account opening method based on asynchronous processing according to the present invention;
FIG. 2 is a flowchart of step S4 in FIG. 1;
FIG. 3 is a schematic diagram of a conventional business process;
FIG. 4 is a schematic view of a business process provided by the present invention;
fig. 5 is a block diagram of an on-line bank account opening device based on asynchronous processing according to the present invention.
In the figure: 11. a memory; 12. a processor; 13. a communication bus; 14. a network interface.
Detailed Description
The present invention will be further described with reference to the accompanying drawings and the detailed description, and it should be noted that any combination of the embodiments or technical features described below can be used to form a new embodiment without conflict.
Example one
The invention is based on the asynchronous processing technology in the prior art, realizes the splitting of the non-associated steps in the bank account opening process, further can simultaneously execute a plurality of non-associated process steps, greatly shortens the bank account opening time on line, and brings good experience to users.
For ease of understanding, the present invention also presents the following concepts:
and (3) synchronization: when a caller issues a call, the call will not return until the result of the call is not obtained; the result of the call cannot be returned until the result of the call is obtained; meanwhile, the caller can continue to send the next call; i.e. the caller actively waits for the result of the call. For example, when the client sends a request to the server, the client needs to wait for the request to return a request result, and then sends the next request to the server.
Asynchronization: when the caller sends a call, the caller does not need to obtain the result of the call immediately; after the call is sent, the callee informs the caller of the result of the call through a state notification, or processes the result of the call through a callback function by the caller; meanwhile, the caller does not need to wait for the result of the previous call when sending the next call. For example, after the client sends a request to the server, the client can send the next request to the server at any time without waiting for the request to return a request result; and the request result server for the previous request may be delayed back or returned to the client upon the present call.
For the current situation, many flow steps are involved when an account is opened on a bank line, so that in order to solve the problem that the time consumed for opening the account on the bank line in the prior art is long, the invention divides the flow steps by a plurality of flow steps in the existing on-line account opening of the bank according to the incidence relation among the flow steps, namely, the flow steps with the non-incidence relation are processed asynchronously, and the flow steps with the incidence relation are processed synchronously, so that the non-incidence steps can be executed simultaneously without waiting for the execution results of other non-incidence flow steps, the efficiency of opening the account on the bank line is greatly improved, and the account opening time is shortened. The non-associated flow steps mean that the flow steps do not need to be mutually called during execution and do not have a sequence; conversely, the associated process steps refer to the two process steps having a strict order of precedence when executed.
Generally, when a current bank personal settlement account is opened into a current account of class II or class III, the method includes the following steps:
checking account opening information of the user: and checking account opening information of the user. The method comprises the steps of obtaining account opening information input by a user by providing an input page for the user, and then carrying out validity verification on the account opening information input by the user. Such as verifying whether the certificate type is matched with the certificate number, whether the certificate number is input incorrectly, whether the mobile phone number is input incorrectly, and the like.
And (3) networking and checking: the method is used for carrying out networking check on the account opening information of the user so as to verify the authenticity of the account opening information of the user. Namely, the authenticity of the account opening information of the user is checked by connecting the inquiry system of the Chinese people bank through the network. Such as verifying authenticity of the user's name, credential information, user photo information, etc. As long as the user sets a bank card in a bank, basic information of the user can be stored in a system of a Chinese people bank, so that whether the name, the certificate type, the certificate number, the mobile phone number, the photo and the like of the user are real and reliable can be detected through networking check, and the situation that a person sets the bank card in an impersonation mode to carry out illegal activities and damage personal interests is avoided.
Element verification: the user element is verified. The user elements are different according to the account opening types of the users. For example, when the account opening type of the user is a type II account, the user element includes five elements. When the account opening type of the user is a type III account, the user elements comprise four elements. Opening an account and binding a card: and opening an account, binding a card and activating according to the information of the user, so as to realize the card opening of the user.
The account opening and card binding comprises blacklist query, user profile creation, main account creation, current account creation, third party deduction protocol creation, card binding activation and correlation operation.
The blacklist query refers to querying whether the user is in the blacklist according to the name, certificate type, certificate number and the like of the user. When the card is in the blacklist, the card establishing operation cannot be performed on the user.
And the step of creating the user profile refers to creating the user profile according to the account opening information of the user and storing the user profile in the system.
Creating a main account, a current account and a third party withholding protocol: and creating a main account, a current account and a third party withholding protocol according to the account opening information of the user.
The binding operation refers to binding the main account of the user with the current account and determining the number of the current account card.
Binding card activation: activating a current account according to the checking result and the element verification result;
and (3) association step: and binding the main account with the I-type account of the user, and opening the account successfully.
From the above, the operations of the networking check, the element verification, the blacklist query in the account opening and card binding, the user profile creation, the main account creation, the current account creation, and the third party deduction protocol in the above steps are not strictly performed in a front-back order, that is, there is no association relationship, and only the service processing results of the networking check and the current account creation are needed when the card binding activation operation is performed. Therefore, the invention can adopt asynchronous processing technology to split the flow operations before the steps of non-associated relation networking check, element verification and binding card activation, and simultaneously execute, and when any one step is executed, the execution results of other steps are not required to wait, and then the execution results of the previous flow steps are called to carry out binding activation and association operations, thereby realizing the account opening of the user, and greatly shortening the time of opening the account on the bank line.
As shown in fig. 1, the present invention provides a preferred embodiment, a bank online account opening method based on asynchronous processing, including the following steps:
step S1, obtaining an account opening request of a user and obtaining account opening information of the user according to the account opening request of the user; the account opening information of the user is simultaneously checked, and then step S2, step S3, and step S4 are simultaneously performed.
The bank staff or the user can input corresponding account opening information, such as name, certificate type, certificate number, mobile phone number, account number, family address, photo and the like, by providing the corresponding page to the bank staff or the user. When the system receives account opening information of the user, the validity of the account opening information is verified, whether the information input by the user is legal or not is judged, if yes, the next step can be executed, and if not, a prompt is returned to the user to prompt the user to input the information again.
And step S2, performing networking check on the account opening information of the user and obtaining a check result. Specifically, the authenticity of account opening information of a user is checked through an inquiry system connected with a networking checking mechanism, and a card can be created for the user only when a checking result is real. For example, an inquiry system connected with the Chinese people bank performs authenticity check on account opening information of the user. Of course, other qualified networking check mechanisms can be connected, and the setting is specifically carried out according to the requirements.
And step S3, obtaining a user element according to the account opening information of the user, and verifying the user element to obtain an element verification result. Specifically, the I-type account of the user is obtained through connection with a bank system background inquiry system, then the user elements are verified, and whether the account opening information of the user is matched with the information of the I-type account of the user stored in the bank system or not is judged. And when the account opening types of the users are different, the verified user elements are also different. For example, when the account opening type is a class II account, the user element includes five elements, that is: the user name, the certificate type and the certificate number, the mobile phone number, the account number of the bound card account and whether the bound account is a same-name class I user or a credit card.
When the account opening type is a type III account, the user elements comprise four elements, namely: user name, certificate type, certificate number, mobile phone number and account number of bound card account
And step S4, performing account opening operation according to the account opening information of the user.
Further, as shown in fig. 2, step S4 further includes:
step S41, inquiring account opening information of the user and judging whether the user is in a blacklist, if so, indicating that the user forbids opening the account, and quitting; if not, execution may continue to step S42.
And step S42, creating a user profile according to the account opening information of the user.
And step S43, creating a primary account.
And step S44, creating a current account. Such as creating a current account card number.
And step S45, creating a third party deduction protocol and receiving a user confirmation request.
And step S46, executing corresponding binding operation and other operations according to the account opening type of the user. For example, when the account opening type of the user is a class I account, it is necessary to see that the class II account is bound to the class I account. When the account opening type of the user is a type III account, the user only needs to be bound with a bank card of the user, and specific binding operation can be set according to actual requirements.
After the account opening is completed, the bank online account opening method further comprises the following steps:
step S5, calling the checking result of the checking step and the element verification result of the verification step, judging whether to activate the current account according to the checking result and the element verification result, if so, activating the current account and executing the step S6; if not, quitting or returning to prompt to the user.
And activating the current account when the checking result is that the checking is passed and the element verification result is that the verification is passed.
And step S6, binding the main account with the I-type account of the user, and opening the account successfully.
The invention disassembles the two flow steps of networking check and element verification which have no dependency relationship and long time consumption in bank online account opening, and completes corresponding business processing in an asynchronous processing mode, thereby greatly reducing the total time consumption in bank online account opening. Such as: as shown in fig. 3, the conventional processing method for opening an account on a bank line is to process all the process steps in a synchronous serial manner, and finally obtain a service processing result; suppose that processing node 1, processing node 2, and processing node 3 take 3 seconds each; wherein, the processing node can represent the checking step, the verifying step and the account opening step respectively; the overall time consumption is 9 seconds. As shown in fig. 4, when the bank online account opening method provided by the present invention is adopted, since the processing node 1, the processing node 2, and the processing node 3 can process simultaneously, and finally the final service processing result is obtained by combining the results of each processing node, it is obvious that the overall time consumption is obviously less than 9 seconds, and the account opening time is shortened.
Example two
The invention provides an on-line bank account opening device based on asynchronous processing. As shown in fig. 5, an internal structure diagram of an account opening device on a bank line based on asynchronous processing according to an embodiment of the present invention is provided.
In this embodiment, the bank online account opening device based on asynchronous processing may be a PC (personal computer), or may be a terminal device such as a smart phone, a tablet computer, or a portable computer. The bank on-line account opening device based on asynchronous processing at least comprises: a processor 12, a communication bus 13, a network interface 14, and a memory 11.
The memory 11 includes at least one type of readable storage medium, which includes a flash memory, a hard disk, a multimedia card, a card type memory (e.g., SD or DX memory, etc.), a magnetic memory, a magnetic disk, an optical disk, and the like. The memory 11 may in some embodiments be an internal storage unit of the asynchronous processing based on-line banking account opening device, for example a hard disk of the asynchronous processing based on-line banking account opening device. The memory 11 may also be an external storage device of the bank online account opening device based on asynchronous processing in other embodiments, for example, a plug-in hard disk provided on the bank online account opening device based on asynchronous processing, a Smart Media Card (SMC), a Secure Digital (SD) Card, a Flash memory Card (Flash Card), and the like. Further, the memory 11 may also include both an internal storage unit and an external storage device of the on-line account opening apparatus for a bank based on asynchronous processing. The memory 11 may be used not only to store application software installed in the bank online account opening device based on asynchronous processing and various types of data, such as codes of bank online account opening programs, etc., but also to temporarily store data that has been output or is to be output.
Processor 12, which in some embodiments may be a Central Processing Unit (CPU), controller, microcontroller, microprocessor or other data Processing chip, is configured to execute program code stored in memory 11 or to process data, such as executing an account opening program on a bank line.
The communication bus 13 is used to realize connection communication between these components.
The network interface 14 may optionally include a standard wired interface, a wireless interface (e.g., WI-FI interface), and is typically used to establish a communication link between the bank account opening device and other electronic devices over the asynchronous processing based bank line.
Optionally, the bank online account opening device based on asynchronous processing may further include a user interface, the user interface may include a Display (Display), an input unit such as a Keyboard (Keyboard), and the optional user interface may further include a standard wired interface and a wireless interface. Alternatively, in some embodiments, the display may be an LED display, a liquid crystal display, a touch-sensitive liquid crystal display, an OLED (Organic Light-Emitting Diode) touch device, or the like. The display, which may also be referred to as a display screen or display unit, is suitable for displaying information processed in the bank-line account opening device based on asynchronous processing and for displaying a visual user interface.
While fig. 5 shows only an asynchronous process based bank-line opening device with components 11-14 and an on-bank opening program, it will be understood by those skilled in the art that the structure shown in fig. 5 does not constitute a limitation of an asynchronous process based bank-line opening device, and may include fewer or more components than those shown, or some components in combination, or a different arrangement of components.
In the embodiment of the bank online account opening device based on asynchronous processing shown in fig. 5, the memory 11 stores an online account opening program of the bank; the processor 12 implements the following steps when executing the bank online account opening program stored in the memory 11:
an acquisition step: acquiring an account opening request of a user and acquiring account opening information of the user according to the account opening request; meanwhile, the account opening information of the user is verified; respectively executing a verification step, a verification step and an account opening step after the verification is successful; the account opening request of the user is a request for opening a class II account and a class III account of the user;
and (3) checking: the account opening information of the user is subjected to networking check to obtain a check result;
a verification step: obtaining a user element according to account opening information of the user, and verifying the user element to obtain an element verification result;
an account opening step: creating a current account for the user according to the account opening information of the user;
calling: calling the checking result of the checking step and the element verification result of the verification step, judging whether to activate the current account according to the checking result and the element verification result, and if so, activating the current account and executing the association step; if not, quitting or returning a prompt to the user;
and (3) association step: and binding the main account with the I-type account of the user, and opening the account successfully.
Further, the calling step further comprises ending or exiting when the checking result is that the verification fails or the element verification result is that the verification fails.
Further, the calling step includes: and when the checking result is that the checking is passed and the element verification result is that the verification is passed, activating the current account.
Further, the obtaining step also comprises the step of carrying out validity verification on account opening information of the user, and when the account opening information of the user is legal, the verifying step and the account opening step are executed; and when the account opening information of one user is stored illegally, prompting the user to input an error.
Further, the verifying step: and inquiring the account opening information of the user by connecting the networking checking mechanism to check the networking, and further verifying the authenticity of the account opening information of the user and obtaining a checking result.
Furthermore, the account opening information of the user mainly comprises information such as name, certificate type, certificate number, mobile phone number, account opening type, home address and photo.
Further, the verifying step includes: inquiring to obtain a class I account of the user by connecting a background inquiry system of the bank system, and verifying the account elements to obtain an element verification result; when the account opening type is a type II account, the elements comprise a user name, a certificate type, a certificate number, a mobile phone number, a bound account number and whether the bound account is a type I user or a credit card with the same name; and when the account opening type is a type III account, the elements comprise a user name, a certificate type, a certificate number, a mobile phone number and a card binding account number.
Further, the account opening step includes:
and (3) query step: judging whether the user is in a blacklist or not according to account opening information of the user; if yes, quitting or returning to prompt the user; if not, executing the creating step;
a creating step: creating user data, a main account, a current account and a third party withholding protocol according to the account opening information of the user, and sending the third party withholding protocol to the user;
binding: and executing corresponding binding operation and other operations according to the account opening type of the user.
EXAMPLE III
The invention also provides a storage medium, which is a computer-readable storage medium and on which a bank online account opening program is stored, wherein the bank online account opening program is a computer program, and when executed by a processor, the bank online account opening program realizes the following steps:
an acquisition step: acquiring an account opening request of a user and acquiring account opening information of the user according to the account opening request; meanwhile, the account opening information of the user is verified; respectively executing a verification step, a verification step and an account opening step after the verification is successful; the account opening request of the user is a request for opening a class II account and a class III account of the user;
and (3) checking: the account opening information of the user is subjected to networking check to obtain a check result;
a verification step: obtaining a user element according to account opening information of the user, and verifying the user element to obtain an element verification result;
an account opening step: creating a current account for the user according to the account opening information of the user;
calling: calling the checking result of the checking step and the element verification result of the verification step, judging whether to activate the current account according to the checking result and the element verification result, and if so, activating the current account and executing the association step; if not, quitting or returning a prompt to the user;
and (3) association step: and binding the main account with the I-type account of the user, and opening the account successfully.
Further, the calling step further comprises ending or exiting when the checking result is that the verification fails or the element verification result is that the verification fails.
Further, the calling step includes: and when the checking result is that the checking is passed and the element verification result is that the verification is passed, activating the current account.
Further, the obtaining step also comprises the step of carrying out validity verification on account opening information of the user, and when the account opening information of the user is legal, the verifying step and the account opening step are executed; and when the account opening information of one user is stored illegally, prompting the user to input an error.
Further, the verifying step: and inquiring the account opening information of the user by connecting the networking checking mechanism to check the networking, and further verifying the authenticity of the account opening information of the user and obtaining a checking result.
Furthermore, the account opening information of the user mainly comprises information such as name, certificate type, certificate number, mobile phone number, account opening type, home address and photo.
Further, the verifying step includes: inquiring to obtain a class I account of the user by connecting a background inquiry system of the bank system, and verifying the account elements to obtain an element verification result; when the account opening type is a type II account, the elements comprise a user name, a certificate type, a certificate number, a mobile phone number, a bound account number and whether the bound account is a type I user or a credit card with the same name; and when the account opening type is a type III account, the elements comprise a user name, a certificate type, a certificate number, a mobile phone number and a card binding account number.
Further, the account opening step includes:
and (3) query step: judging whether the user is in a blacklist or not according to account opening information of the user; if yes, quitting or returning to prompt the user; if not, executing the creating step;
a creating step: creating user data, a main account, a current account and a third party withholding protocol according to the account opening information of the user, and sending the third party withholding protocol to the user;
binding: and executing corresponding binding operation and other operations according to the account opening type of the user.
The above embodiments are only preferred embodiments of the present invention, and the protection scope of the present invention is not limited thereby, and any insubstantial changes and substitutions made by those skilled in the art based on the present invention are within the protection scope of the present invention.
Claims (10)
1. The bank online account opening method based on asynchronous processing is characterized by comprising the following steps:
an acquisition step: acquiring an account opening request of a user and acquiring account opening information of the user according to the account opening request; meanwhile, the account opening information of the user is verified; respectively executing a verification step, a verification step and an account opening step after the verification is successful; the account opening request of the user is a request for opening a class II account and a class III account of the user;
and (3) checking: the account opening information of the user is subjected to networking check to obtain a check result;
a verification step: obtaining a user element according to account opening information of the user, and verifying the user element to obtain an element verification result;
an account opening step: creating a current account for the user according to the account opening information of the user;
calling: calling the checking result of the checking step and the element verification result of the verification step, judging whether to activate the current account according to the checking result and the element verification result, and if so, activating the current account and executing the association step; if not, quitting or returning a prompt to the user;
and (3) association step: and binding the main account with the I-type account of the user, and opening the account successfully.
2. The asynchronous processing based bank online account opening method according to claim 1, wherein the calling step further comprises ending or exiting when the verification result is that the verification is not passed or the element verification result is that the verification is not passed.
3. The bank on-line account opening method based on asynchronous processing according to claim 1, wherein the calling step comprises: and when the checking result is that the checking is passed and the element verification result is that the verification is passed, activating the current account.
4. The bank on-line account opening method based on asynchronous processing according to claim 1, wherein the obtaining step further comprises performing validity verification on account opening information of the user, and when the account opening information of the user is legal, performing a verification step, a verification step and an account opening step; and when the account opening information of one user is stored illegally, prompting the user to input an error.
5. The bank on-line account opening method based on asynchronous processing according to claim 1, wherein the verifying step: and inquiring the account opening information of the user by connecting the networking checking mechanism to check the networking, and further verifying the authenticity of the account opening information of the user and obtaining a checking result.
6. The bank on-line account opening method based on asynchronous processing as claimed in claim 1, wherein the account opening information of the user mainly comprises information such as name, certificate type, certificate number, mobile phone number, account opening type, home address and photo.
7. The bank on-line account opening method based on asynchronous processing according to claim 6, wherein the verifying step comprises: inquiring to obtain a class I account of the user by connecting a background inquiry system of the bank system, and verifying the account elements to obtain an element verification result; when the account opening type is a type II account, the elements comprise a user name, a certificate type, a certificate number, a mobile phone number, a bound account number and whether the bound account is a type I user or a credit card with the same name; and when the account opening type is a type III account, the elements comprise a user name, a certificate type, a certificate number, a mobile phone number and a card binding account number.
8. The bank on-line account opening method based on asynchronous processing according to claim 1, wherein the account opening step comprises:
and (3) query step: judging whether the user is in a blacklist or not according to account opening information of the user; if yes, quitting or returning to prompt the user; if not, executing the creating step;
a creating step: creating user data, a main account, a current account and a third party withholding protocol according to the account opening information of the user, and sending the third party withholding protocol to the user;
binding: and executing corresponding binding operation and other operations according to the account opening type of the user.
9. The bank on-line account opening device based on asynchronous processing comprises a memory and a processor, wherein a bank on-line account opening program which can run on the processor is stored in the memory, and the bank on-line account opening program is a computer program, and is characterized in that: the processor, when executing the bank on-line account opening program, realizes the steps of the bank on-line account opening method based on asynchronous processing according to any one of claims 1-8.
10. A storage medium which is a computer-readable storage medium having stored thereon an online banking account opening program, the online banking account opening program being a computer program, characterized in that: the bank online account opening program when executed by a processor implements the steps of the asynchronous processing based bank online account opening method according to any one of claims 1 to 8.
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| CN113643123A (en) * | 2021-08-23 | 2021-11-12 | 中国农业银行股份有限公司佛山分行 | Online account opening method and online account opening system for bank |
| CN114912148A (en) * | 2021-02-08 | 2022-08-16 | 网银在线（北京）科技有限公司 | Authentication method, authentication device, authentication system, computer storage medium and electronic equipment |
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