CN111340452A - Method and device for opening account for public client - Google Patents

Method and device for opening account for public client Download PDF

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Publication number
CN111340452A
CN111340452A CN202010128623.2A CN202010128623A CN111340452A CN 111340452 A CN111340452 A CN 111340452A CN 202010128623 A CN202010128623 A CN 202010128623A CN 111340452 A CN111340452 A CN 111340452A
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enterprise
opened
service application
identity
person
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许沙沙
李瑞峰
轩浩
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Agricultural Bank of China
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Agricultural Bank of China
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Priority to CN202010128623.2A priority Critical patent/CN111340452A/en
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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q10/00Administration; Management
    • G06Q10/10Office automation; Time management
    • G06Q10/103Workflow collaboration or project management
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02Banking, e.g. interest calculation or account maintenance

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Abstract

The invention discloses a method for opening an account of a public client in different places, which comprises the following steps: in the process of handling public business by an enterprise to be opened, when an identity verification request for a legal person or a responsible person of the enterprise to be opened is detected, acquiring an identity of the legal person or the responsible person of the enterprise to be opened; performing networking check according to the identity, and searching a target service application book which is constructed by a preset method in advance; and under the condition that the target service application exists, handling the open-account service of the enterprise to be opened according to the target service application. In the account opening method, in the account opening process of the enterprise to be opened by a bank, even if the original identity card of the legal or responsible person of the enterprise to be opened is not available, the target service application can be obtained through networking check, and the open-to-account service of the enterprise to be opened is transacted according to the target service application.

Description

Method and device for opening account for public client
Technical Field
The invention relates to the technical field of data processing, in particular to a method and a device for opening an account for a public client.
Background
In the process of bank account opening, the account holder needs the original identity card of a legal representative or a unit responsible person to open the account.
The legal or responsible person of the enterprise may not provide the original identity card in a different place or for other reasons, so that the public user service cannot be handled.
Disclosure of Invention
In view of the above, the present invention provides a method and an apparatus for opening an account for a public client, so as to solve the problem that legal persons or responsible persons of an enterprise may not provide original identity cards for various reasons, which may cause that the business of the public client cannot be handled, in the prior art, and the specific scheme is as follows:
a method of opening an account to a public customer, comprising:
in the process of handling public business by an enterprise to be opened, when an identity verification request for a legal person or a responsible person of the enterprise to be opened is detected, acquiring an identity of the legal person or the responsible person of the enterprise to be opened;
performing networking check according to the identity, and searching a target service application book which is constructed by a preset method in advance;
and under the condition that the target service application exists, handling the open-account service of the enterprise to be opened according to the target service application.
The method, optionally, may be a service application constructed by a preset method, including:
prompting the legal or responsible person of the enterprise to be opened to swipe an identity card and take a picture for identity verification;
prompting the legal or responsible person of the enterprise to be opened to supplement personal data under the condition that the audit is passed;
when the replenishment is completed, prompting the enterprise legal person or responsible person to replenish the name of the enterprise to be subjected to account opening and selecting an account opening row;
when a confirmation instruction of the enterprise legal person or the responsible person to be opened is received, generating a business application template and prompting the enterprise legal person or the responsible person to be opened to sign and confirm;
and when the signature is detected to be completed, obtaining the service application.
Optionally, the method for prompting the signature confirmation of the enterprise legal person or the responsible person to be opened further includes:
and popping up a preset tax-related statement and prompt to prompt the legal or responsible person of the enterprise to be opened to sign and confirm.
The above method, optionally, further includes:
and setting the service life and the number of times of use of the service application.
Optionally, in the method, the network is checked according to the identity, and a target service application constructed in advance by using a preset method is searched;
performing networking check according to the identity, and searching each service application matched with the identity;
and eliminating the application books exceeding the use times and/or the use period in each service application book to obtain the target service application book.
The above method, optionally, further includes:
and in the case of detecting that the target service application is used, marking the target service application as used.
An account opening device for public customers, comprising:
the system comprises an acquisition module, a verification module and a verification module, wherein the acquisition module is used for acquiring the identity of a legal person or a responsible person of an enterprise to be account opened when detecting an identity verification request of the legal person or the responsible person of the enterprise to be account opened in the process of handling the public business by the enterprise to be account opened;
the searching module is used for carrying out networking check according to the identity identification and searching a target service application book which is constructed by adopting a preset method in advance;
and the handling module is used for handling the open account business of the enterprise to be opened according to the target business application book under the condition that the target business application book exists.
Optionally, the device may further include a service application form constructed by the searching module according to a preset method, where the service application form includes:
the first prompting unit is used for prompting the legal or responsible person of the enterprise to be subjected to account opening to swipe an identity card and take a picture for identity verification;
the second prompting unit is used for prompting the legal person or the responsible person of the enterprise to be opened to supplement personal data under the condition that the audit is passed;
the third prompting unit is used for prompting the corporate or responsible person of the enterprise to be subjected to account opening to supplement the name of the enterprise to be subjected to account opening and select an account opening row when the supplement is completed;
the fourth prompting unit is used for generating a business application template when receiving a confirmation instruction of the enterprise legal person or the responsible person to be opened, and prompting the enterprise legal person or the responsible person to be opened to sign and confirm;
and the completion unit is used for obtaining the service application book when the completion of the signature is detected.
The above apparatus, optionally, further comprises:
and the setting unit is used for setting the service life and the service times of the service application.
The above apparatus, optionally, the searching module includes;
the searching unit is used for performing networking check according to the identity and searching each service application matched with the identity;
and the rejecting unit is used for rejecting the application which exceeds the use times and/or the service life in each service application to obtain the target service application.
Compared with the prior art, the invention has the following advantages:
the invention discloses a method for opening an account of a public client in different places, which comprises the following steps: in the process of handling public business by an enterprise to be opened, when an identity verification request for a legal person or a responsible person of the enterprise to be opened is detected, acquiring an identity of the legal person or the responsible person of the enterprise to be opened; performing networking check according to the identity, and searching a target service application book which is constructed by a preset method in advance; and under the condition that the target service application exists, handling the open-account service of the enterprise to be opened according to the target service application. In the account opening method, in the account opening process of the enterprise to be opened by a bank, even if the original identity card of the legal or responsible person of the enterprise to be opened is not available, the target service application can be obtained through networking check, and the open-to-account service of the enterprise to be opened is transacted according to the target service application.
Of course, it is not necessary for any product in which the invention is practiced to achieve all of the above-described advantages at the same time.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts.
Fig. 1 is a flowchart of a method for remotely opening an account for a public client according to an embodiment of the present application;
fig. 2 is a schematic view of a construction process of a service application disclosed in an embodiment of the present application;
fig. 3 is a block diagram of a device for remotely opening an account for a public client according to an embodiment of the present application.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
The previous description of the disclosed embodiments is provided to enable any person skilled in the art to make or use the present invention. Various modifications to these embodiments will be readily apparent to those skilled in the art, and the generic principles defined herein may be applied to other embodiments without departing from the spirit or scope of the invention. Thus, the present invention is not intended to be limited to the embodiments shown herein but is to be accorded the widest scope consistent with the principles and novel features disclosed herein.
The invention discloses a method and a device for opening an account for a public client, which are applied to the process of opening an account for the public client, wherein the method comprises the following steps: also called company client, refers to corporate clients in business relationship with banks, and is generally classified into large-scale company clients, small-scale company clients, and the like. In the prior art, the account opening of a public client needs an identity card original of a legal person or a responsible person of an enterprise to be opened, and when the legal person or the person of the enterprise to be opened cannot provide the identity card original or other reasons, the account opening cannot be handled, the invention provides an account opening method for the public client, which is used for solving the problems, wherein the execution flow of the account opening method is shown in fig. 1 and comprises the following steps:
s101, in the process of handling the public business by an enterprise to be opened, when an identity verification request for a legal person or a responsible person of the enterprise to be opened is detected, acquiring an identity of the legal person or the responsible person of the enterprise to be opened;
in the embodiment of the invention, when the identity information check of the legal or responsible person of the enterprise to be opened is executed during the transaction process of the enterprise to be opened for the public account service, if the identity original document of the legal or responsible person of the enterprise to be opened does not exist, the sponsor can perform the online check in a mode of inputting the identity identifier of the legal or responsible person of the enterprise to be opened, and the online check result can be the transaction of the legal or responsible person of the enterprise to be opened in a different place or a local place, wherein preferably, the identity identifier can be an identity number and can also be the combination of information such as name, age and place of birth. And when the fact that the identity is input by the sponsor is detected, acquiring the identity.
S102, performing networking check according to the identity, and searching a target service application book constructed by a preset method;
in the embodiment of the invention, the networking check refers to the behavior of checking or inquiring the information authenticity of citizens through a networking check citizen information system to verify the name, the number, the photo, the issuing authority and the like recorded by a resident related identity card, the networking check is carried out according to the identity, each service application matched with the identity is searched in a corresponding database, each service application comprises a used service application and/or an expired service application and/or an unused service application, the application exceeding the use times and/or the service life in each service application is rejected, and when other service applications exist, the service applications are used as the target service application, wherein the target service application is used for applying for the services of the open users, preferably, the target service application is one, the number of usage times is one, the usage period is three months or the usage period is expired to the validity period of the identity card when the validity period of the identity card of the legal or responsible person of the enterprise to be opened is less than three months from the current application date to the validity period of the identity card.
Further, if the application which exceeds the service times and/or the service life in each service application is removed, and no other application exists, the target service application needs to be reapplied by the legal person or the responsible person of the enterprise to be opened
S103, under the condition that the target service application book exists, handling the public account service of the enterprise to be subjected to account opening according to the target service application book.
In the embodiment of the present invention, when the target service application exists, the target task application is called to complete handling of the open-client service of the enterprise to be opened, preferably, the target service application can be used only once, when the target service application is used, a corresponding use completion instruction is sent, and when the use completion instruction is received, the target service application is marked as used when it is determined that the target service application is already used.
The invention discloses a method for opening an account of a public client in different places, which comprises the following steps: in the process of handling public business by an enterprise to be opened, when an identity verification request for a legal person or a responsible person of the enterprise to be opened is detected, acquiring an identity of the legal person or the responsible person of the enterprise to be opened; performing networking check according to the identity, and searching a target service application book which is constructed by a preset method in advance; and under the condition that the target service application exists, handling the open-account service of the enterprise to be opened according to the target service application. In the account opening method, in the account opening process of the enterprise to be opened by a bank, even if the original identity card of the legal or responsible person of the enterprise to be opened is not available, the target service application can be obtained through networking check, and the open-to-account service of the enterprise to be opened is transacted according to the target service application.
In the embodiment of the present invention, a schematic diagram of a construction process of a service application form constructed by a preset method is shown in fig. 2, a legal person or a responsible person of an enterprise to be opened goes to a super counter, clicks an online check APP of public service identity in the super counter, and performs online check, where the online check process does not limit a region, and can be performed in local check or in different places, and the check process is as follows: prompting to refresh the identity card, reading the identity information, performing identity verification, and prompting the reason why the verification fails when the identity verification fails, for example, the prompting information can be that the identity card is overdue and enters background identity verification; when the audit is passed, judging whether a networking check record exists, wherein the networking check record refers to a target service application form, if so, quitting the application, if not, entering a data modification process, and if not, perfecting personal data by a legal person or a responsible person of the enterprise to be opened, wherein the perfecting process follows a preset data modification rule, wherein the preset data modification rule can only change preset personal information or change the preset personal information according to a specified format requirement, and the like, and when the legal person or the responsible person of the enterprise to be opened completes the supplement, clicking the next step, checking the validity period of the networking check, wherein the two conditions are adopted:
(1) when the validity period of the identity card is more than 3 months, the validity period is +3 months of the current accounting date;
(2) and when the validity period of the identity card is less than 3 months, the validity period is from the current accounting date to the validity period of the identity card.
And after the validity period is determined, prompting the legal or responsible person of the enterprise to be opened to supplement the name of the enterprise to be opened and selecting an opening row, wherein the opening row is divided into two rows, after the legal or responsible person is checked to be correct, clicking the next step, popping up a preset prompt and a tax-related statement, generating a business application form sample plate when receiving a confirmation instruction of the legal or responsible person of the enterprise to be opened, prompting the legal or responsible person of the enterprise to be opened to sign and confirm, and obtaining the business application form when detecting that the signature is completed.
And further, prompting the front-end service post to confirm the fingerprint, and finishing construction and uploading transaction of the service application after finishing the fingerprint confirmation.
In the embodiment of the invention, the account opening method solves the problem that the service processing of opening an account cannot be carried out because the original identity card cannot be provided when the public client needs to open an account, the public client can carry out the online verification of the identity by holding the original identity card and going to any network point even if the public client is in a different place, and the online verification result can be directly used by the opening of the account, thereby providing convenience for the client and greatly improving the user experience. When the problem of remote account opening is solved, in order to guarantee safety, a public client is subjected to networking check by using a master, so that the role of the networking check owner is guaranteed, the risk is avoided, one-time networking check can only support one-time account opening, and if the account opening needs to be performed for multiple times, the result of the multiple-time networking check is needed. The result of one networking check can only be used within a specified validity period, and the function is prevented from being abused.
Based on the above method for opening an account for a public client, an embodiment of the present invention provides an account opening apparatus for a public client, where a structural block diagram of the account opening apparatus is shown in fig. 3, and the method includes:
an acquisition module 201, a lookup module 202, and a transaction module 203.
Wherein the content of the first and second substances,
the obtaining module 201 is configured to obtain an identity identifier of a legal person or a responsible person of an enterprise to be account opened when an identity audit request of the legal person or the responsible person of the enterprise to be account opened is detected in a process of transacting a public business by the enterprise to be account opened;
the searching module 202 is configured to perform networking check according to the identity identifier, and search for a target service application form that is constructed in advance by using a preset method;
the transacting module 203 is configured to transact the open-client service of the enterprise to be opened according to the target service application book under the condition that the target service application book exists.
The invention discloses a device for opening an account of a public client in different places, which comprises: in the process of handling public business by an enterprise to be opened, when an identity verification request for a legal person or a responsible person of the enterprise to be opened is detected, acquiring an identity of the legal person or the responsible person of the enterprise to be opened; performing networking check according to the identity, and searching a target service application book which is constructed by a preset method in advance; and under the condition that the target service application exists, handling the open-account service of the enterprise to be opened according to the target service application. In the account opening device, in the account opening process of the enterprise to be opened by a bank, even if the original identity card of the legal or responsible person of the enterprise to be opened is not available, the target service application can be obtained through networking check, and the business to be opened of the enterprise to be opened is transacted according to the target service application.
In the embodiment of the present invention, the service application established by the preset method in the search module 202 includes:
a first prompting unit 204, a second prompting unit 205, a third prompting unit 206, a fourth prompting unit 207 and a finishing unit 208.
Wherein the content of the first and second substances,
the first prompting unit 204 is configured to prompt the legal or responsible person of the enterprise to be account opened to swipe an identity card and take a picture for identity verification;
the second prompting unit 205 is configured to prompt the legal person or the responsible person of the enterprise to be opened to supplement personal data when the audit is passed;
the third prompting unit 206 is configured to prompt the corporate or responsible person of the enterprise to be opened to supplement the name of the enterprise to be opened and select an opening row when the supplementation is completed;
the fourth prompting unit 207 is configured to generate a service application template when receiving a confirmation instruction of the enterprise legal person or the responsible person to be account opened, and prompt the enterprise legal person or the responsible person to be account opened to sign and confirm;
the completing unit 208 is configured to obtain the service application when it is detected that the signature is completed.
In the embodiment of the present invention, the account opening apparatus further includes: a setting unit 209.
Wherein the content of the first and second substances,
the setting unit 209 is configured to set a service life and a number of times of use of the service application.
In this embodiment of the present invention, the searching module 202 includes;
a look-up unit 210 and a culling unit 211.
Wherein the content of the first and second substances,
the searching unit 210 is configured to perform networking check according to the identity identifier, and search each service application matched with the identity identifier;
the eliminating unit 211 is configured to eliminate the application books with the use times exceeding and/or the use time limit exceeding in the service application books to obtain the target service application book.
It should be noted that, in the present specification, the embodiments are all described in a progressive manner, each embodiment focuses on differences from other embodiments, and the same and similar parts among the embodiments may be referred to each other. For the device-like embodiment, since it is basically similar to the method embodiment, the description is simple, and for the relevant points, reference may be made to the partial description of the method embodiment.
Finally, it should also be noted that, herein, relational terms such as first and second, and the like may be used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions. Also, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other identical elements in a process, method, article, or apparatus that comprises the element.
For convenience of description, the above devices are described as being divided into various units by function, and are described separately. Of course, the functions of the units may be implemented in the same software and/or hardware or in a plurality of software and/or hardware when implementing the invention.
From the above description of the embodiments, it is clear to those skilled in the art that the present invention can be implemented by software plus necessary general hardware platform. Based on such understanding, the technical solutions of the present invention may be embodied in the form of a software product, which may be stored in a storage medium, such as ROM/RAM, magnetic disk, optical disk, etc., and includes instructions for causing a computer device (which may be a personal computer, a server, or a network device, etc.) to execute the method according to the embodiments or some parts of the embodiments.
The method and the system for opening an account of a public client in different places are described in detail, a specific example is applied in the method to explain the principle and the implementation mode of the invention, and the description of the embodiment is only used for helping to understand the method and the core idea of the invention; meanwhile, for a person skilled in the art, according to the idea of the present invention, there may be variations in the specific embodiments and the application scope, and in summary, the content of the present specification should not be construed as a limitation to the present invention.

Claims (10)

1. A method for opening an account for a public customer, comprising:
in the process of handling public business by an enterprise to be opened, when an identity verification request for a legal person or a responsible person of the enterprise to be opened is detected, acquiring an identity of the legal person or the responsible person of the enterprise to be opened;
performing networking check according to the identity, and searching a target service application book which is constructed by a preset method in advance;
and under the condition that the target service application exists, handling the open-account service of the enterprise to be opened according to the target service application.
2. The method according to claim 1, wherein the service application built by the preset method comprises:
prompting the legal or responsible person of the enterprise to be opened to swipe an identity card and take a picture for identity verification;
prompting the legal or responsible person of the enterprise to be opened to supplement personal data under the condition that the audit is passed;
when the replenishment is completed, prompting the enterprise legal person or responsible person to replenish the name of the enterprise to be subjected to account opening and selecting an account opening row;
when a confirmation instruction of the enterprise legal person or the responsible person to be opened is received, generating a business application template and prompting the enterprise legal person or the responsible person to be opened to sign and confirm;
and when the signature is detected to be completed, obtaining the service application.
3. The method as claimed in claim 2, wherein prompting the signature confirmation to the enterprise legal person or responsible person to be opened further comprises:
and popping up a preset tax-related statement and prompt to prompt the legal or responsible person of the enterprise to be opened to sign and confirm.
4. The method of claim 2, further comprising:
and setting the service life and the number of times of use of the service application.
5. The method according to claim 4, wherein the step of performing networking check according to the identity identifier and searching for a target service application which is constructed in advance by adopting a preset method comprises the steps of;
performing networking check according to the identity, and searching each service application matched with the identity;
and eliminating the application books exceeding the use times and/or the use period in each service application book to obtain the target service application book.
6. The method of claim 5, further comprising:
and in the case of detecting that the target service application is used, marking the target service application as used.
7. An account opening device for public customers, comprising:
the system comprises an acquisition module, a verification module and a verification module, wherein the acquisition module is used for acquiring the identity of a legal person or a responsible person of an enterprise to be account opened when detecting an identity verification request of the legal person or the responsible person of the enterprise to be account opened in the process of handling the public business by the enterprise to be account opened;
the searching module is used for carrying out networking check according to the identity identification and searching a target service application book which is constructed by adopting a preset method in advance;
and the handling module is used for handling the open account business of the enterprise to be opened according to the target business application book under the condition that the target business application book exists.
8. The apparatus of claim 7, wherein the service application built by the lookup module using a preset method includes:
the first prompting unit is used for prompting the legal or responsible person of the enterprise to be subjected to account opening to swipe an identity card and take a picture for identity verification;
the second prompting unit is used for prompting the legal person or the responsible person of the enterprise to be opened to supplement personal data under the condition that the audit is passed;
the third prompting unit is used for prompting the corporate or responsible person of the enterprise to be subjected to account opening to supplement the name of the enterprise to be subjected to account opening and select an account opening row when the supplement is completed;
the fourth prompting unit is used for generating a business application template when receiving a confirmation instruction of the enterprise legal person or the responsible person to be opened, and prompting the enterprise legal person or the responsible person to be opened to sign and confirm;
and the completion unit is used for obtaining the service application book when the completion of the signature is detected.
9. The apparatus of claim 8, further comprising:
and the setting unit is used for setting the service life and the service times of the service application.
10. The method of claim 9, wherein the lookup module comprises;
the searching unit is used for performing networking check according to the identity and searching each service application matched with the identity;
and the rejecting unit is used for rejecting the application which exceeds the use times and/or the service life in each service application to obtain the target service application.
CN202010128623.2A 2020-02-28 2020-02-28 Method and device for opening account for public client Pending CN111340452A (en)

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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
CN113869886A (en) * 2021-11-18 2021-12-31 中国建设银行股份有限公司 Data processing method, data processing apparatus, electronic device, medium, and computer program

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