CN111768013A - Commercial bank public account comprehensive management system and method - Google Patents
Commercial bank public account comprehensive management system and method Download PDFInfo
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- CN111768013A CN111768013A CN201910077410.9A CN201910077410A CN111768013A CN 111768013 A CN111768013 A CN 111768013A CN 201910077410 A CN201910077410 A CN 201910077410A CN 111768013 A CN111768013 A CN 111768013A
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Abstract
The invention discloses a commercial bank public account comprehensive management system, which comprises a client, a bank end, a bank intelligent account opening end and a bank management server, wherein an appointment small program is integrated in the client, and the appointment small program is interconnected with an account opening appointment platform in data; a bank enterprise user extension platform is integrated in the bank end; an account opening system platform is integrated in the intelligent bank account opening terminal; the bank management server is integrated with a bank management system, and the method comprises the steps of appointment making, account opening preprocessing, quick account opening, information preparation and account annual inspection. The invention can carry out online appointment making through the client, feeds back the account opening information to the account opening appointment platform through the electronic version, preprocesses the account opening information by the account opening appointment platform, and then opens the account, thereby solving the problems that the traditional on-the-spot account opening needs to fill in paper application materials, the information input is complicated, the annual inspection workload is huge, and the data comparison is difficult.
Description
Technical Field
The invention relates to the technical field of bank account opening and account management, in particular to a comprehensive management system and method for public accounts of commercial banks.
Background
At present, bank teller account opening is faced with a large amount of complex work but is an indispensable link at present, enterprises can consume a large amount of time in bank account opening, according to statistics, general enterprises enter bank account opening, the time for filling forms is about 20-30 minutes, when a client fills in a document, the time for an inline teller to check enterprise data is about 10-20 minutes, the link with the longest time is blocked in a link of system information entry, here, an inline teller operating system takes about 30-40 minutes for entering client data in a management system, the client waits, a service opening link needs to take about 10-20 minutes after information entry is completed, and finally other work such as form printing and the like takes 10 minutes; the time spent on opening a public account is about two hours, the account opening efficiency is low, a teller bears great pressure, the long waiting time of a client in the account opening process is also consumed, and the satisfaction degree is reduced.
The traditional account opening mode at present has the following disadvantages:
1. opening an account on site: the method has the advantages that the client fills in the paper application form in an unfamiliar manner, so that repeated filling is mistaken and refilled, a large amount of account opening time is occupied, and account opening efficiency is low due to long-time queuing;
2. the input is complicated: the staff needs to manually input an account opening data into a core system, a people bank account management system, a credit code card platform, a local special system and the like repeatedly for many times;
3. annual inspection workload is huge: and manually sending the paper data of the client to the counter during annual inspection, and checking and examining one by one. The annual inspection workload is huge, omission is easy, timeliness is not realized, and the efficiency of bundling and handling is low;
4. data alignment difficulties: in a downloaded report provided by a people bank account management system, the fields of account data are extremely lacking, and the requirement of a business department on the consistency comparison of the account data cannot be met; many banks are worried about the problems that the data volume is large, all systems cannot be connected in a butt joint mode, manual sorting is difficult, and effective data field comparison cannot be carried out.
Disclosure of Invention
The invention aims to overcome the defects of the prior art, provides a commercial bank public account comprehensive management system and a commercial bank public account comprehensive management method, and solves the problems that the traditional on-the-spot account opening needs to fill in paper application materials, the information input is complicated, the annual inspection workload is huge, and the data comparison is difficult.
The purpose of the invention is realized by the following technical scheme:
a commercial bank is to the comprehensive management system of public account, including the bank management system, the bank management system includes to public account management system and organization credit code management system, the bank management system also links with public security system and industrial and commercial management system separately, also include the system platform of opening an account and auxiliary service platform; the bank management system is in data connection with the account opening system platform, and the account opening system platform is in data connection with the auxiliary service platform; the account opening system platform comprises an account opening all-in-one machine platform, a bank-enterprise account opening platform and an account opening reservation platform; the auxiliary service platform comprises a short message platform, an image platform and a WeChat public number;
the short message platform is used for sending the reservation information, the verification information and the state prompt information to a user in a short message mode;
the image platform is used for collecting image information of a user, an identity card or a business license and comparing and verifying the image information with the image information in the database;
the WeChat public account is used for providing functions of information push, inquiry of nearby network points, account opening reservation and reservation state inquiry;
the account opening integrated machine platform is respectively interconnected with the bank-enterprise account opening platform and the account opening reservation platform, and comprises an account opening preprocessing module, a quick account opening module, a certificate identification module, a business data reverse display module, an automatic reporting module, a batch annual inspection module, an account opening physical examination module and a data comparison module;
the account opening preprocessing module is used for inquiring the basic information of the reserved account opening enterprise in the database through the reserved serial number, checking the information of the reserved account opening enterprise and pre-examining the reserved information, and informing the user to transact the information through the pre-examined reserved account opening enterprise through a short message platform;
the quick account opening module is used for carrying out reservation information check and business information check on the pre-processed reservation account opening enterprise, automatically generating a reverse display page of enterprise information according to the basic information of the reservation account opening enterprise, editing and configuring other account opening information of the reservation account opening enterprise, and quickly opening an account;
the quick account opening module is also used for carrying out business license information entry, legal person information entry and financial responsible person information entry on the enterprise without the appointment for opening the account, verifying and checking the basic business information of the enterprise without the appointment for opening the account, editing and configuring other account opening information of the enterprise without the appointment for opening the account, and quickly opening the account; the legal information input and the financial responsible person information input comprise identity card information input, field photo input, field video input and field voice input;
the certificate identification module is used for acquiring business license information and identity card information, and accessing the acquired information to a bank management system and a public security system respectively for comparison and verification so as to identify the authenticity of the business license information and the identity card information;
the business data reverse display module is used for acquiring business license information or identity card information of a legal person, accessing a bank management system and a public security system respectively, calling the business information of the business license and other social information of the legal person, and displaying the business license information or the identity card information of the legal person through a reverse display page;
the automatic reporting and backup module is used for checking whether the account opening information is correct and complete, and automatically reporting the account opening information and the operation of changing and cancelling the account to a bank management system for updating and backup;
the batch annual inspection module is used for accessing the business management system, calling business and commercial information of an account opening enterprise, comparing whether the account opening enterprise information recorded in the bank management system is consistent with the business and commercial information called in the business management system or not, making annual inspection identification on the account opening enterprise which is checked to be consistent, and carrying out online check on the account opening enterprise with a corporate or financial responsible person if the account opening enterprise information is inconsistent with the business and commercial information, and updating and uploading data;
the data comparison module is used for periodically checking account information of the account opening enterprise and business information of the account opening enterprise, and comparing and updating the account information with the business information in the business management system;
the bank-enterprise expansion platform is used for acquiring information of newly opened enterprises in the district and information of newly added enterprises in nearby websites, and pushing the acquired enterprise information;
the account opening reservation platform is used for acquiring business license information and identity card information, providing reservation account opening according to the acquired information and generating a reservation number; the account opening reservation platform is also used for inquiring the account opening service progress in real time and inquiring the nearby account opening network points.
The system further comprises a client, a bank end, a bank intelligent account opening end and a bank management server, wherein an appointment small program is integrated in the client, and the appointment small program is interconnected with the account opening appointment platform data; the reservation applet comprises a mini applet, a webpage and a reservation APP; a bank enterprise user extension platform is integrated in the bank end; an account opening system platform is integrated in the intelligent bank account opening terminal; a bank management system is integrated in the bank management server; the client is respectively connected with the bank end and the bank intelligent account opening end through the network, the bank end is connected with the bank intelligent account opening end through the network, and the bank intelligent account opening end is connected with the bank management server through the network.
Furthermore, the intelligent bank account opening end comprises a counter account opening all-in-one machine and a mobile account opening flat plate.
Furthermore, a printer is arranged on the counter account opening all-in-one machine, and a fingerprint acquisition module and an image acquisition module are respectively arranged on the counter account opening all-in-one machine and the mobile account opening flat plate.
A method for comprehensively managing public accounts comprises the following steps:
s1, acquiring reservation account opening information: acquiring reservation account opening information uploaded by a reservation account opening enterprise, and distributing reservation numbers according to the reservation account opening information; the appointment account opening information comprises business license information, legal person identification card information, financial responsible person identification card information, an appointment account opening website, an appointment account opening time period and a contact mode;
s2, account opening pretreatment: calling reservation account opening information of a reservation account opening enterprise according to the reservation number, carrying out physical examination and pre-examination on the reservation account opening information, if the reservation account opening information passes the physical examination and pre-examination, sending reservation success information to a contact of the reservation account opening enterprise through a short message platform, and if the reservation account opening information does not pass the physical examination and pre-examination, sending a reason for failure of preprocessing through the short message platform;
s3, rapidly opening an account: acquiring the pre-processed appointment making enterprises through the appointment numbers, checking the account opening information of the appointment making enterprises, accessing a bank management system, a public security system and an industrial and commercial management system to perform information verification and information reverse display according to the account opening information provided by the appointment making enterprises, filling other account opening information to perform account opening processing if the account opening information passes the verification, and warning and displaying the reason of failure if the account opening information passes the verification; the account opening information comprises basic business information, legal person identity information, financial responsible person identity information, contact person information and account opening information;
s4, information preparation: maintaining and checking account information of successful account opening, and rapidly reporting changed and cancelled accounts in the account information to a bank management system;
s5, annual account inspection: and calling the business and merchant information of the account opening enterprise and the stock account information of each website, comparing whether the stock account information of each website and the account information of the bank management information are consistent with the business and merchant information called from the business and merchant management system or not, and making annual inspection identification on the account opening enterprise which is checked to be consistent.
Further, when the operation of step S2 is performed, the method includes opening an account at a website through a counter account opening integrated machine or remotely opening an account through a mobile account opening tablet.
Further, in step S2, the method further includes an account opening operation for the un-reserved enterprise, specifically including:
the method comprises the steps that basic business information is obtained through a counter account opening all-in-one machine or a mobile account opening flat-plate scanning business license;
scanning an identity card through a counter account opening all-in-one machine or a mobile account opening flat plate to obtain identity information of a legal person and identity information of a financial responsible person;
acquiring and verifying images of the legal person through a camera and a sound pick-up of the counter account opening all-in-one machine or the mobile account opening flat plate;
verifying whether account information exists in an account opening enterprise through a bank management system, and performing account opening physical examination;
configuring a product type and a protocol type for an account opening enterprise, starting a double record label, and uploading and storing a video of the double record label;
and editing and enabling the account of the account opening enterprise.
Further, after step S3, a form printing step is further included, which specifically includes:
acquiring form information of an account opening enterprise, and automatically pushing the form information to a printer for printing;
before the form information is printed, an anti-counterfeiting two-dimensional code is generated in the form through an electronic seal.
Further, after step S3, an information synchronization step is further included, which specifically includes:
and uploading account opening information of the account opening enterprise to a bank management system through an in-line interface for storage and backup.
Further, after step S4, a data checking step is further included, which specifically includes:
and regularly downloading account data in the bank management system, calling industrial and commercial information in the industrial and commercial management system, and performing data comparison on contents in the account information.
The invention has the beneficial effects that:
(1) the online reservation account opening can be carried out through the client, the account opening information is fed back to the account opening reservation platform through an electronic version, and the account opening reservation platform sends the account opening information of a reservation account opening enterprise to the account opening preprocessing module for preprocessing, so that the steps of data filling and data auditing of early bank workers are avoided, the account opening program is saved, and the account opening workload is reduced;
(2) the system can carry out double-recording collection on the responsible person of the enterprise, and carry out verification and reverse display on the business license and the legal information of the enterprise, thereby avoiding the risk brought to the bank by false account opening or 'old-aged' legal;
(3) the system can be accessed to a business management system, and the business information of an account opening enterprise is called for batch annual inspection, so that the traditional condition that workers need one-to-one inspection and verification is avoided, the annual inspection workload is reduced, and the conditions of low efficiency and easy error and leakage caused by the comparison between the traditional paper data and the contents in the database are avoided;
(4) the account information of the account opening enterprise and the business information of the account opening enterprise can be periodically checked, the information of the account opening enterprise is timely refreshed, and the defects of traditional manual comparison and data updating are overcome.
Drawings
FIG. 1 is a schematic view of the system configuration of embodiment 1;
FIG. 2 is a connection topology of a physical system in embodiment 1;
in the figure, 10-bank management system, 11-public account management system, 12-institution credit code system, 20-account opening system platform, 21-account opening integrated machine platform, 22-bank enterprise account platform, 23-account opening reservation platform, 211-account opening preprocessing module, 212-quick account opening module, 213-certificate recognition module, 214-automatic reporting module, 215-business data reverse display module, 216-batch annual inspection module, 217-account opening physical examination module, 218-data comparison module, 30-auxiliary business platform, 31-short message platform, 32-image platform, 33-micro-message public number platform, 40-client, 50-bank terminal, 60-bank intelligent account terminal and 70-bank management server.
Detailed Description
The technical solutions of the present invention are further described in detail below with reference to the accompanying drawings, but the scope of the present invention is not limited to the following.
Example 1:
referring to fig. 2, a client 40, a bank end 50, a bank intelligent account opening end 60 and a bank management server 70 are shown, wherein an appointment small program is integrated in the client 40, and is interconnected with an account opening appointment platform 23 in data; a bank enterprise user platform 22 is integrated in the bank end 50; an account opening system platform 20 is integrated in the bank intelligent account opening end 60; the bank management server 70 is integrated with the bank management system 10; the client 40 is connected to the bank 40 and the bank intelligent client 60 via a network, the bank 50 is connected to the bank intelligent client 60 via a network, and the bank intelligent client 60 is connected to the bank management server 70 via a network.
When an account opening enterprise makes an appointment, the two-dimensional code of the enterprise business license is scanned only through an appointment applet of a client, basic information on the enterprise business license is filled and recorded, personal information of a legal person and a financial responsible person is automatically filled through scanning identity cards of the legal person and the financial responsible person, and image data of the identity cards and the business license are uploaded; then, selecting an account opening website and an account opening time period through the reservation applet; and supplementing other necessary appointment information, and after submission, automatically generating an account opening appointment number by the system. The reservation applet comprises a WeChat applet, a reservation APP and a webpage, and a user can remotely reserve through the appropriate reservation applet according to the needs of the user.
After receiving the reservation information of the reservation account opening enterprise, the bank intelligent account opening end can carry out account opening physical examination on the reservation information according to the reservation number, carry out pre-examination on the account opening information according to the reservation information, examine the passing reservation account opening enterprise, send reservation success information through a short message, and inform the reservation account opening network and the time period of coming; and informing the pretreatment failure reason of the short message and updating the account opening processing progress by the enterprise of which the reservation information is wrong or not in accordance with the account opening information.
When the client side and the bank intelligent account opening end carry out data interaction, the bank end can also obtain information of a newly opened enterprise in the district and enterprise information of an appointed account opening of a nearby website from the bank intelligent account opening end through the network, and product pushing is carried out through the network, so that the multi-dimensional accurate positioning of the client is realized.
The following describes a commercial bank with a public account integrated management system in detail with reference to the accompanying drawings.
Referring to fig. 1, a commercial bank public account comprehensive management system includes a bank management system 10, the bank management system 1 includes a public account management system 11 and an institution credit code management system 12, the bank management system 10 is further connected to a public security system and a business management system, respectively, and further includes an account opening system platform 20 and an auxiliary service platform 30; the bank management system 10 is in data connection with the account opening system platform 20, and the account opening system platform 20 is in data connection with the auxiliary service platform 30; the account opening system platform 20 comprises an account opening all-in-one machine platform 21, a bank-enterprise account opening platform 22 and an account opening reservation platform 23; the auxiliary service platform 30 comprises a short message platform 31, an image platform 32 and a WeChat public number 33;
the short message platform 31 is used for sending the reservation information, the verification information and the state prompt information to the user in a short message mode;
the image platform 32 is used for collecting image information of a user, an identity card or a business license, and comparing and verifying the image information with image information in a database;
the WeChat public number 33 is used for providing the functions of information push, inquiry of nearby network points, account opening reservation and reservation state inquiry;
the account opening integrated machine platform 21 is respectively in data interconnection with the bank-enterprise account opening platform 22 and the account opening reservation platform 23, and the account opening integrated machine platform 21 comprises an account opening preprocessing module 211, a quick account opening module 212, a certificate identification module 213, an industrial and commercial data back-display module 215, an automatic preparation module 214, a batch annual inspection module 216, an account opening physical examination module 217 and a data comparison module 218;
the account opening preprocessing module 211 is configured to query basic information of an appointed account opening enterprise in the database through an appointment number, check the information of the appointed account opening enterprise and pre-examine the appointed information, and inform the user to transact the information through a short message platform through the pre-examined appointed account opening enterprise;
the quick account opening module 212 is used for carrying out reservation information check and business information check on the pre-processed reservation account opening enterprise, automatically generating a reverse display page of enterprise information according to the basic information of the reservation account opening enterprise, editing and configuring other account opening information of the reservation account opening enterprise, and quickly opening an account;
the quick account opening module 212 is further configured to perform business license information entry, legal person information entry and financial responsible person information entry on the enterprise without the appointment for account opening, verify and check the basic business information of the enterprise without the appointment for account opening, edit and configure other account opening information of the enterprise without the appointment for account opening, and quickly open an account; the legal information input and the financial responsible person information input comprise identity card information input, field photo input, field video input and field voice input;
the certificate identification module 213 is used for acquiring business license information and identity card information, and accessing the acquired information to a bank management system and a public security system respectively for comparison and verification to identify the authenticity of the business license information and the identity card information;
the business data reverse display module 215 is used for acquiring business license information or identity card information of a legal person, accessing a bank management system and a public security system respectively, calling the business information of the business license and other social information of the legal person, and displaying the business license information or identity card information of the legal person through a reverse display page;
the automatic reporting and backup module 214 is used for checking whether the account opening information is correct and complete, and automatically reporting the account opening information and the operation of changing and cancelling the account to a bank management system for updating and backup;
the batch annual inspection module 216 is used for accessing the business management system, calling business information of an account opening enterprise, comparing whether the account opening enterprise information recorded in the bank management system 10 is consistent with the business information called in the business management system, making annual inspection identification on the account opening enterprise with the consistency, and performing online check with enterprise legal persons or financial responsible persons if the check is inconsistent, and updating and uploading data;
the data comparison module 218 is configured to periodically check account information of the account opening enterprise and business information of the account opening enterprise, and compare and update the account information and the business information in the business management system;
the bank-enterprise extension platform 22 is used for acquiring information of newly-opened enterprises in the district and information of newly-increased enterprises in nearby websites, and pushing the acquired enterprise information;
the account opening reservation platform 23 is used for acquiring business license information and identity card information, providing reservation account opening according to the acquired information and generating a reservation number; the account opening reservation platform is also used for inquiring the account opening service progress in real time and inquiring the nearby account opening network points.
Furthermore, the intelligent bank account opening end comprises a counter account opening all-in-one machine and a mobile account opening flat plate, a printer is arranged on the counter account opening all-in-one machine, and a fingerprint acquisition module and an image acquisition module are respectively arranged on the counter account opening all-in-one machine and the mobile account opening flat plate. The counter account opening integrated machine is used for bank counters to open accounts and handle, and the mobile account opening flat plate is used for enterprises to move to open accounts and handle. In the process of enterprise account opening, corporate legal personnel often have no time to go to a bank counter for transaction reasons to conduct account opening and handling, and in the process of account opening and handling, business license scanning, identity card scanning, signature, recording, video recording and the like can be conducted through a mobile account opening panel so as to ensure the standardization and the safety of account opening.
Example 2:
based on embodiment 1, this embodiment discloses a method for comprehensively managing public accounts, which specifically includes the following steps:
s1, acquiring reservation account opening information: acquiring reservation account opening information uploaded by a reservation account opening enterprise, and distributing reservation numbers according to the reservation account opening information; the appointment account opening information comprises business license information, legal person identification card information, financial responsible person identification card information, an appointment account opening website, an appointment account opening time period and a contact mode;
s2, account opening pretreatment: calling reservation account opening information of a reservation account opening enterprise according to the reservation number, carrying out physical examination and pre-examination on the reservation account opening information, if the reservation account opening information passes the physical examination and pre-examination, sending reservation success information to a contact of the reservation account opening enterprise through a short message platform, and if the reservation account opening information does not pass the physical examination and pre-examination, sending a reason for failure of preprocessing through the short message platform;
s3, rapidly opening an account: acquiring the pre-processed appointment making enterprises through the appointment numbers, checking the account opening information of the appointment making enterprises, accessing a bank management system, a public security system and an industrial and commercial management system to perform information verification and information reverse display according to the account opening information provided by the appointment making enterprises, filling other account opening information to perform account opening processing if the account opening information passes the verification, and warning and displaying the reason of failure if the account opening information passes the verification; the account opening information comprises basic business information, legal person identity information, financial responsible person identity information, contact person information and account opening information;
s4, information preparation: maintaining and checking account information of successful account opening, and rapidly reporting changed and cancelled accounts in the account information to a bank management system;
s5, annual account inspection: and calling the business and merchant information of the account opening enterprise and the stock account information of each website, comparing whether the stock account information of each website and the account information of the bank management information are consistent with the business and merchant information called from the business and merchant management system or not, and making annual inspection identification on the account opening enterprise which is checked to be consistent.
During the account opening preprocessing, the method comprises the steps of preprocessing the account opening enterprise which is reserved through a reservation platform, wherein a teller can inquire basic information of the reserved account opening enterprise according to a reservation number, perform account opening physical examination, perform pre-examination on the account opening information according to the reservation information of the reserved account opening enterprise, examine the passed enterprise, send reservation success information through a short message and inform the time period of opening the account; and (4) informing the reason of the failure of the pretreatment by the short message for the enterprises with wrong or not conforming to the account opening information. And updating the account opening processing progress.
When the quick account opening is carried out, the method comprises the steps that after pretreatment and verification are passed on an account opening enterprise which is reserved through a reservation platform, all reservation basic information is called through a reservation number, and the full amount of enterprise and industrial information is automatically reflected according to the basic industrial and industrial information, such as enterprise names, organization credit codes and the like; configuring a product type; editing other opening mandatory information; and a new account is established.
When an account is opened rapidly, for an account opening enterprise which is not reserved through an account opening reservation platform, scanning a two-dimensional code of a business license through an account opening all-in-one machine to obtain total basic business information, scanning basic personal information of a legal person and a financial responsible person through an identity card scanner, calling a chief bank networking check interface through a double-recording camera to verify the identity information, verifying account information through a bank management system, performing a series of account opening check-up checks, and configuring a product type and a protocol type for the legal person and the financial responsible person after the check-up checks pass; and recording the surface label, recording the surface label video, storing and establishing a new account.
After the quick account opening is successful, a form printing step is further included, and after the account opening information is stored successfully, the bank teller can print the form as required. The bank teller can click a printing button according to the selected form, the system automatically fills data into the WORD form to call a printer to print the form, can send an HTTP request while printing again, calls an electronic seal system in a row, prints an electronic seal in the form, and can generate an anti-counterfeiting two-dimensional code.
After the quick account opening is successful, the method also comprises an information synchronization step, and after the account opening information is stored successfully, the bank teller can upload the account opening information to the bank management system by an upload button of the system, and the system sends the HTTP request and calls the in-line interface.
In the information preparation process, the bank teller can click a preparation button according to a system button to acquire account opening information and check the correctness and integrity of the account opening information. And the latest state of the enterprise account, such as changing and canceling the account, is reported to the bank management system by one key.
In the account annual inspection process, account information of pre-annual inspection is led in batch, inventory account information in a bank management system is led out from a bank management system server by one key, and according to latest industrial and commercial information in the industrial and commercial management system, the account information of an enterprise of the pre-annual inspection is checked and compared, if the data of the two parties are consistent, a client is prompted according to a returned status code, and an annual inspection identifier is automatically generated. And if the data of the two parties are inconsistent, generating a report, and identifying and warning the inconsistent enterprises.
The annual inspection method through electronic data comparison solves the problems that the annual inspection workload is huge, omission is easy to occur, timeliness is poor, and the efficiency of bundling and handling is low due to the fact that the traditional method needs to send the paper data of the client to the cabinet surface and check and examine the paper data one by one.
After the rapid account opening is successful, the method also comprises a step of data checking, wherein the system automatically downloads the account data of each website periodically, sends an HTTP request, calls a data interface of a third-party industrial and commercial management system, and compares the data. In the data comparison process, the checking period can be automatically configured, the comparison is carried out in what time period, and the comparison of the fields is needed.
During the account opening preprocessing, the method also comprises an account opening physical examination step, specifically, whether the three-element information is consistent or not is verified according to personal identification numbers, telephone numbers and names of legal persons, financial responsible persons and the like, and if the three-element information is inconsistent, the account opening qualification of enterprises can be cancelled.
When a general account is opened, the bank management system is used for acquiring whether the basic state of the user is that the user always hangs the account, and if so, the system can inform the enterprise to continue opening the account after the user processes the account. And further, calling a bank management system, checking an account management database, and inquiring whether the account has opened a basic account.
According to the invention, the online appointment making can be carried out through the client, the account opening information is fed back to the account opening appointment platform through the electronic version, and the account opening appointment platform sends the account opening information of the appointment making enterprise to the account opening preprocessing module for preprocessing, so that the steps of data filling and data auditing of early bank workers are avoided, the account opening program is saved, and the account opening workload is reduced; the double-recording collection can be carried out on the responsible person of the enterprise, and the business license and the information of the legal person of the enterprise can be audited and displayed reversely, so that the risk of false account opening or old legal person brought to the bank can be avoided.
The above-mentioned embodiments only express the specific embodiments of the present invention, and the description thereof is more specific and detailed, but not construed as limiting the scope of the present invention. It should be noted that, for a person skilled in the art, several variations and modifications can be made without departing from the inventive concept, which falls within the scope of the present invention.
Claims (10)
1. A commercial bank is to the comprehensive management system of public account, including the bank management system, the bank management system includes to public account management system and organization credit code management system, the bank management system also couples to public security system and industrial and commercial management system separately, characterized by that, also include the system platform of opening an account and auxiliary service platform; the bank management system is in data connection with the account opening system platform, and the account opening system platform is in data connection with the auxiliary service platform; the account opening system platform comprises an account opening all-in-one machine platform, a bank-enterprise account opening platform and an account opening reservation platform; the auxiliary service platform comprises a short message platform, an image platform and a WeChat public number;
the short message platform is used for sending the reservation information, the verification information and the state prompt information to a user in a short message mode;
the image platform is used for collecting image information of a user, an identity card or a business license and comparing and verifying the image information with the image information in the database;
the WeChat public account is used for providing functions of information push, inquiry of nearby network points, account opening reservation and reservation state inquiry;
the account opening integrated machine platform is respectively interconnected with the bank-enterprise account opening platform and the account opening reservation platform, and comprises an account opening preprocessing module, a quick account opening module, a certificate identification module, a business data reverse display module, an automatic reporting module, a batch annual inspection module, an account opening physical examination module and a data comparison module;
the account opening preprocessing module is used for inquiring the basic information of the reserved account opening enterprise in the database through the reserved serial number, checking the information of the reserved account opening enterprise and pre-examining the reserved information, and informing the user to transact the information through the pre-examined reserved account opening enterprise through a short message platform;
the quick account opening module is used for carrying out reservation information check and business information check on the pre-processed reservation account opening enterprise, automatically generating a reverse display page of enterprise information according to the basic information of the reservation account opening enterprise, editing and configuring other account opening information of the reservation account opening enterprise, and quickly opening an account;
the quick account opening module is also used for carrying out business license information entry, legal person information entry and financial responsible person information entry on the enterprise without the appointment for opening the account, verifying and checking the basic business information of the enterprise without the appointment for opening the account, editing and configuring other account opening information of the enterprise without the appointment for opening the account, and quickly opening the account; the legal information input and the financial responsible person information input comprise identity card information input, field photo input, field video input and field voice input;
the certificate identification module is used for acquiring business license information and identity card information, and accessing the acquired information to a bank management system and a public security system respectively for comparison and verification so as to identify the authenticity of the business license information and the identity card information;
the business data reverse display module is used for acquiring business license information or identity card information of a legal person, accessing a bank management system and a public security system respectively, calling the business information of the business license and other social information of the legal person, and displaying the business license information or the identity card information of the legal person through a reverse display page;
the automatic reporting and backup module is used for checking whether the account opening information is correct and complete, and automatically reporting the account opening information and the operation of changing and cancelling the account to a bank management system for updating and backup;
the batch annual inspection module is used for accessing the business management system, calling business and commercial information of an account opening enterprise, comparing whether the account opening enterprise information recorded in the bank management system is consistent with the business and commercial information called in the business management system or not, making annual inspection identification on the account opening enterprise which is checked to be consistent, and carrying out online check on the account opening enterprise with a corporate or financial responsible person if the account opening enterprise information is inconsistent with the business and commercial information, and updating and uploading data;
the data comparison module is used for periodically checking account information of the account opening enterprise and business information of the account opening enterprise, and comparing and updating the account information with the business information in the business management system;
the bank-enterprise expansion platform is used for acquiring information of newly opened enterprises in the district and information of newly added enterprises in nearby websites, and pushing the acquired enterprise information;
the account opening reservation platform is used for acquiring business license information and identity card information, providing reservation account opening according to the acquired information and generating a reservation number; the account opening reservation platform is also used for inquiring the account opening service progress in real time and inquiring the nearby account opening network points.
2. The system for comprehensively managing public accounts of commercial banks according to claim 1, further comprising a client, a bank terminal, a bank intelligent account opening terminal and a bank management server, wherein the client is integrated with an appointment small program, and the appointment small program is interconnected with the account opening appointment platform data; the reservation applet comprises a mini applet, a webpage and a reservation APP; a bank enterprise user extension platform is integrated in the bank end; an account opening system platform is integrated in the intelligent bank account opening terminal; a bank management system is integrated in the bank management server; the client is respectively connected with the bank end and the bank intelligent account opening end through the network, the bank end is connected with the bank intelligent account opening end through the network, and the bank intelligent account opening end is connected with the bank management server through the network.
3. The system as claimed in claim 2, wherein the intelligent bank account opening terminal comprises a counter account opening integrated machine and a mobile account opening tablet.
4. The system for the comprehensive management of the public accounts of the commercial banks as claimed in claim 2 or 3, wherein the counter account opening integrated machine is provided with a printer, and the counter account opening integrated machine and the mobile account opening flat plate are respectively provided with a fingerprint acquisition module and an image acquisition module.
5. The method for comprehensively managing the public accounts according to claim 1, characterized by comprising the following steps:
s1, acquiring reservation account opening information: acquiring reservation account opening information uploaded by a reservation account opening enterprise, and distributing reservation numbers according to the reservation account opening information; the appointment account opening information comprises business license information, legal person identification card information, financial responsible person identification card information, an appointment account opening website, an appointment account opening time period and a contact mode;
s2, account opening pretreatment: calling reservation account opening information of a reservation account opening enterprise according to the reservation number, carrying out physical examination and pre-examination on the reservation account opening information, if the reservation account opening information passes the physical examination and pre-examination, sending reservation success information to a contact of the reservation account opening enterprise through a short message platform, and if the reservation account opening information does not pass the physical examination and pre-examination, sending a reason for failure of preprocessing through the short message platform;
s3, rapidly opening an account: acquiring the pre-processed appointment making enterprises through the appointment numbers, checking the account opening information of the appointment making enterprises, accessing a bank management system, a public security system and an industrial and commercial management system to perform information verification and information reverse display according to the account opening information provided by the appointment making enterprises, filling other account opening information to perform account opening processing if the account opening information passes the verification, and warning and displaying the reason of failure if the account opening information passes the verification; the account opening information comprises basic business information, legal person identity information, financial responsible person identity information, contact person information and account opening information;
s4, information preparation: maintaining and checking account information of successful account opening, and rapidly reporting changed and cancelled accounts in the account information to a bank management system;
s5, annual account inspection: and calling the business and merchant information of the account opening enterprise and the stock account information of each website, comparing whether the stock account information of each website and the account information of the bank management information are consistent with the business and merchant information called from the business and merchant management system or not, and making annual inspection identification on the account opening enterprise which is checked to be consistent.
6. The method for integrally managing public accounts as claimed in claim 5, wherein the step S2 includes opening an account at a website through a counter-integrated account opening machine or remotely opening an account through a mobile account opening tablet.
7. The method for comprehensively managing public accounts according to claim 5 or 6, wherein in step S2, the method further includes an account opening operation for an un-reserved enterprise, specifically including:
the method comprises the steps that basic business information is obtained through a counter account opening all-in-one machine or a mobile account opening flat-plate scanning business license;
scanning an identity card through a counter account opening all-in-one machine or a mobile account opening flat plate to obtain identity information of a legal person and identity information of a financial responsible person;
acquiring and verifying images of the legal person through a camera and a sound pick-up of the counter account opening all-in-one machine or the mobile account opening flat plate;
verifying whether account information exists in an account opening enterprise through a bank management system, and performing account opening physical examination;
configuring a product type and a protocol type for an account opening enterprise, starting a double record label, and uploading and storing a video of the double record label;
and editing and enabling the account of the account opening enterprise.
8. The method for comprehensively managing public accounts according to claim 5, further comprising a form printing step after the step S3, specifically comprising:
acquiring form information of an account opening enterprise, and automatically pushing the form information to a printer for printing;
before the form information is printed, an anti-counterfeiting two-dimensional code is generated in the form through an electronic seal.
9. The method for comprehensively managing public accounts according to claim 5, characterized by further comprising an information synchronization step after the step S3, specifically comprising:
and uploading account opening information of the account opening enterprise to a bank management system through an in-line interface for storage and backup.
10. The method for comprehensively managing public accounts according to claim 5, wherein after the step S4, the method further comprises a data checking step, specifically comprising:
and regularly downloading account data in the bank management system, calling industrial and commercial information in the industrial and commercial management system, and performing data comparison on contents in the account information.
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| CN201910077410.9A CN111768013B (en) | 2019-03-30 | 2019-03-30 | Commercial bank public account comprehensive management system and method |
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| CN201910077410.9A CN111768013B (en) | 2019-03-30 | 2019-03-30 | Commercial bank public account comprehensive management system and method |
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| CN111768013B (en) | 2023-06-27 |
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