CN101499161A - User confirmation method for personal web bank or mobile phone bank - Google Patents
User confirmation method for personal web bank or mobile phone bank Download PDFInfo
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- CN101499161A CN101499161A CNA2008100593887A CN200810059388A CN101499161A CN 101499161 A CN101499161 A CN 101499161A CN A2008100593887 A CNA2008100593887 A CN A2008100593887A CN 200810059388 A CN200810059388 A CN 200810059388A CN 101499161 A CN101499161 A CN 101499161A
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- mobile banking
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Abstract
The invention provides a method for confirming user applied to personal internet bank or mobile phone bank which has characteristic of including steps as follows: a. the bank marketing personnel searches object client in leaving account state; b. the client fills in agreement and application letter after the bank marketing personnel confirms the object client, the client needs to provide an identification proof file kept on the bank; c. the marketing personnel uses a mobile communication device for recording identification essential, then transmitting the identification essential to a background server of the bank for checking; d. the marketing personnel or background working personnel open the personal internet bank or mobile phone bank after confirming check, and the client self needs to activate password of the personal internet bank or mobile phone bank. Compared with the prior art, the method has advantages that: the method can help client transacting operation of personal internet bank or mobile phone bank in leaving counter state which can reduce application time, increase service quality and flexible of bank, exploit operation marketing range of bank.
Description
Technical field
The present invention relates to a kind of individual Web bank or Mobile banking's activating method, relate in particular to a kind of method that is applied to individual Web bank or the user of Mobile banking affirmation, this method can be handled application and open individual Web bank or Mobile banking by separated cabinet type.
Background technology
Because popularizing of the Internet, a lot of things can be achieved by online, as shopping, chat and information interchange, the rise of online Private Banking and Mobile banking are arranged now again.
Online Private Banking is meant with the Internet to be transmission medium, and bank provides financial service to the client.The client can inquire about the various information that open an account in a bank in person by Web bank, handle professional and other related services of accounting payment by transmitting the electronic cash instruction, and electronic cash instruction is meant that the legal debarkation net of client goes to bank, the satisfactory indication of transferring accounts of sending to bank by the Internet.
Mobile banking (Mobil Banking Service) is meant the note instruction that bank sends by mobile phone according to the client, for the client handles inquiry, a kind of novel finance service means of business such as transfer accounts, remit money, contribute money, consume, pay the fees.To be the client send the special service number of specific format note to bank by editing for it, and bank is according to customer instruction, for the client handles related service, and transaction results notified client's new method of service with short message mode.
Though online Private Banking and Mobile banking have all brought convenience to the client, but at present for satisfying system of real name, examine the authenticity that the client submits data to, password must be given the client and wait regulation and regulations requirement, when bank stipulates that client's desire is opened individual Web bank and personal mobile phone bank, need to handle at bank counter, client's (or the procurator holds double proof of identification) signs each quasi-protocol and application form face to face at sales counter, submit required files such as proof of identification face to face, its identity of teller's field verification, the client is the typing password in person, return all kinds of receipt face to face, open individual Web bank or personal mobile phone bank then.
Handling at sales counter needs the client initiatively to go to the place of business of bank, the people also need wait for a long time, must take applicant's quality time, and in time handled, a lot of clients do not instruct how correctly use online Private Banking and Mobile banking safely yet, and the service of bank here can also be improved and improve.
Summary of the invention
Technical matters to be solved by this invention is that a kind of method that is applied to individual Web bank or the user of Mobile banking affirmation is provided at the above-mentioned state of the art, this method can be implemented in individual Web bank or Mobile banking application separated cabinet type and handle and open an account, be very easy to the client, reduced their application time, also should be able to enlarge the marketing scope of bank mutually, improve the dirigibility of marketing.
The present invention solves the problems of the technologies described above the technical scheme that is adopted: a kind of method that is applied to individual Web bank or the user of Mobile banking affirmation is characterized in that in turn including the following steps:
A, the marketing personnel of bank seek the target customer under the cabinet attitude;
B, determine the target customer after, the client fills in agreement and application form, asks the client that documentation of identity is provided simultaneously, and documentation of identity is kept on file;
C, marketing personnel utilize mobile communication equipment typing proof of identification key element, then the proof of identification key element are delivered to by communication system on the background server of bank, by the staff on backstage client identity information are examined; Perhaps passing the identifying data of coming by marketing personnel by background server examines then and there to client identity information; Perhaps with the background work personnel client identity information is intersected and examine by marketing personnel;
D, verify and confirm after, open individual Web bank or Mobile banking by marketing personnel or background work personnel then and there, and activate the password of individual Web bank or Mobile banking by the client.
Further, also comprise typing client's field image data among the step c, and the field image data is delivered to by communication system on the background server of bank, client identity information is examined by the staff on backstage; Perhaps passing the identifying data of coming by marketing personnel by background server examines then and there to client identity information; Perhaps with the background work personnel client identity information is intersected and examine by marketing personnel.
Further, described mobile communication equipment is notebook computer, mobile phone or specialized designs equipment, and it has the inner encryption communication module of bank, image typing and storage module, can finish the function software of bank and the cipher input of information transmission and account-opening.
It is one of following that the described documentation of identity mode of keeping on file among the step b can adopt at least: duplicate, scan, take pictures.
For further examining client identity, reduce bank risk, the image data when also comprising marketing personnel's typing client activating pin among the step c.
For improving service quality and being convenient to the quick left-hand seat of client, also comprise step e, marketing personnel's live demonstration and instruct the client to use.
The present invention solves the problems of the technologies described above the second kind of technical scheme that is adopted: a kind of method that is applied to individual Web bank or the user of Mobile banking affirmation is characterized in that in turn including the following steps:
A, the marketing personnel of bank seek the target customer under the cabinet attitude;
B, determine the target customer after, the client fills in agreement and application form, asks the client that documentation of identity is provided simultaneously, and documentation of identity is kept on file;
C, marketing personnel take back bank with agreement/application form and the documentation of identity data of keeping on file and check;
After rule are closed in the written information audit that d, client provide, promptly set up individual Web bank or Mobile banking, and carry mobile communication equipment and go to client ground again, please the client hold documentation of identity, examine client identity once more, after examining, activate the password of individual Web bank or Mobile banking by the client.
Marketing personnel do not have the Tape movement communication facilities in the said method, perhaps be with mobile communication equipment but can not with bank's backstage connected network communication.
Comprise also in the steps d that marketing personnel's typing examines the image data of client identity process once more.
As improvement, the image data when also comprising marketing personnel's typing client activating pin in the steps d.
For improving service quality and being convenient to the quick left-hand seat of client, also comprise step e, marketing personnel's live demonstration and instruct the client to use.
Compared with prior art, the invention has the advantages that: but the business that the client applies for individual Web bank or Mobile banking handled by the present invention's separated cabinet type, and need in bank counter waits, not handle, having reduced application handles the time, improve the service quality and the dirigibility of bank, opened up the business marketing scope of bank; The mode that combines is examined on on-the-spot documentation of identity field verification and backstage, and the mode that the image data documentation combines has greatly reduced risk of bank, has also improved the safe operation of individual Web bank or Mobile banking; Marketing personnel's live demonstration and instruct the client to use has improved service quality, also lays the first stone for individual Web bank or Mobile banking popularize fast.
Description of drawings
Fig. 1 is an embodiment operating process synoptic diagram.
Embodiment
Embodiment describes in further detail the present invention below in conjunction with accompanying drawing.
Embodiment 1:
The method that is applied to individual Web bank or the user of Mobile banking affirmation in the present embodiment in turn includes the following steps:
A, the marketing personnel of bank seek the target customer under the cabinet attitude;
B, determine the target customer after, the client fills in agreement and application form under the marketing personnel's of bank guidance, asks the client that documentation of identity is provided simultaneously, and documentation of identity is kept on file (duplicate, scan or take pictures);
C, marketing personnel utilize the mobile communication equipment (notebook computer that if can network, mobile phone or custom-designed equipment) typing proof of identification key element, and typing client's field image data, be delivered to proof of identification key element and field image data on the background server of bank by communication system then, the staff on backstage examines client identity information, perhaps pass the relevant identifying data of the Ministry of Public Security come by the backstage client identity information is examined then and there, with the background work personnel client identity information is intersected again or by marketing personnel and examine by marketing personnel;
D, verify and confirm after, open individual Web bank or Mobile banking by marketing personnel or background work personnel then and there, and activate the password of individual Web bank or Mobile banking, the process image data during marketing personnel's typing client activating pin by the client;
E, the family petty deposit or give client's cash bonuses of entertaining guests, marketing personnel go to award on the customer account by Web bank, and marketing personnel pass the client with receipt;
F, marketing personnel's live demonstration and instruct the client to use;
After g, marketing personnel return bank, papery data and the derivation of coherent video data are checked filing.
Wherein, mobile communication equipment among the step c has the inner encryption communication module of bank, image typing, screenshotss function, storage module, the function software of bank that can finish information transmission and account-opening and cipher input (as keyboard), and assurance does not keep the content of password.
Wherein, the mode of keeping on file of the described documentation of identity among the step b adopts one of following at least: duplicate, scan, take pictures.
Do not advocate the agency in the present embodiment and open an account, present embodiment can also be opened individual Web bank and Mobile banking at the existing subscriber scene.
Method and mobile communication equipment in the utilization present embodiment, the marketing personnel of bank can seek suitable target customer in any place, introduce, demonstrate the function of individual Web bank and Mobile banking to it, the client that condition meets just can handle and open individual Web bank and Mobile banking in the scene at once, and do not need to handle to bank counter again, realize the separated cabinet type running of financial product.
The institute of concrete operations flow process and mobile communication equipment works as shown in Figure 1, and wherein step 11 is to 19 be operating process, and working 21 to 25 is operation element on the mobile communication equipment.
Embodiment 2, when marketing personnel not Tape movement communication facilities (as notebook computer) or with can not network the operation mobile communication equipment the time, can come separated cabinet type to handle in the following way and open individual Web bank or Mobile banking, in turn include the following steps:
A, the marketing personnel of bank seek the target customer under the cabinet attitude;
B, determine the target customer after, the client fills in agreement and application form under the marketing personnel's of bank guidance, asks the client that documentation of identity is provided simultaneously, and documentation of identity is kept on file;
C, marketing personnel take back bank with agreement/application form and the documentation of identity data of keeping on file and check;
After rule are closed in d, the written audit of papery data, marketing personnel return bank, and set up individual Web bank or Mobile banking, and carry mobile communication equipment and go to client ground again, please the client hold documentation of identity, examine client identity once more, after examining, activate the password of individual Web bank or Mobile banking by the client, the image data during marketing personnel's typing client activating pin and examine the image data of client identity process once more;
E, the family petty deposit or give client's cash bonuses of entertaining guests, marketing personnel go to award on the customer account by Web bank, and marketing personnel pass the client with receipt;
F, marketing personnel's live demonstration and instruct the client to use;
After g, salesman return bank, papery data and coherent video data are checked filing.
The individual Web bank and the Mobile banking that are mentioned among embodiment 1 and the embodiment 2, have externally transfer accounts, function such as payment.
Claims (10)
1, a kind of method that is applied to individual Web bank or the user of Mobile banking affirmation is characterized in that in turn including the following steps:
A, the marketing personnel of bank seek the target customer under the cabinet attitude;
B, determine the target customer after, the client fills in agreement and application form, asks the client that documentation of identity is provided simultaneously, and documentation of identity is kept on file;
C, marketing personnel utilize mobile communication equipment typing proof of identification key element, then the proof of identification key element are delivered to by communication system on the background server of bank, by the staff on backstage client identity information are examined; Perhaps passing the identifying data of coming by marketing personnel by background server examines then and there to client identity information; Perhaps with the background work personnel client identity information is intersected and examine by marketing personnel;
D, verify and confirm after, open individual Web bank or Mobile banking by marketing personnel or background work personnel then and there, and activate the password of individual Web bank or Mobile banking by the client.
2, the method that is applied to individual Web bank or the user of Mobile banking affirmation according to claim 1, it is characterized in that also comprising among the step c typing client's field image data, and the field image data is delivered to by communication system on the background server of bank, by the staff on backstage client identity information is examined; Perhaps passing the identifying data of coming by marketing personnel by background server examines then and there to client identity information; Perhaps with the background work personnel client identity information is intersected and examine by marketing personnel.
3, the method that is applied to individual Web bank or the user of Mobile banking affirmation according to claim 1, it is characterized in that the described mobile communication equipment among the step c is notebook computer, mobile phone or specialized designs equipment, it has the inner encryption communication module of bank, image typing and storage module, can finish the function software of bank and the cipher input of information transmission and account-opening.
4, according to claim 1ly be applied to the method that individual Web bank or the user of Mobile banking confirm, it is one of following that the described documentation of identity mode of keeping on file among the step b of it is characterized in that adopts at least: duplicate, scan, take pictures.
5, the method that is applied to individual Web bank or the user of Mobile banking affirmation according to claim 1, the image data when it is characterized in that also comprising marketing personnel's typing client activating pin among the step c.
6, the method that is applied to individual Web bank or the user of Mobile banking affirmation according to claim 1 is characterized in that also comprising step e, marketing personnel's live demonstration and instructs the client to use.
7, a kind of method that is applied to individual Web bank or the user of Mobile banking affirmation is characterized in that in turn including the following steps:
A, the marketing personnel of bank seek the target customer under the cabinet attitude;
B, determine the target customer after, the client fills in agreement and application form, asks the client that documentation of identity is provided simultaneously, and documentation of identity is kept on file;
C, marketing personnel take back bank with agreement/application form and the documentation of identity data of keeping on file and check;
After rule are closed in the written information audit that d, client provide, promptly set up individual Web bank or Mobile banking, and carry mobile communication equipment and go to client ground again, please the client hold documentation of identity, examine client identity once more, after examining, activate the password of individual Web bank or Mobile banking by the client.
8, a kind of method that individual Web bank or the user of Mobile banking confirm that is applied to according to claim 7 is characterized in that also comprising in the steps d that marketing personnel's typing examines the image data of client identity process once more.
9, a kind of method that is applied to individual Web bank or the user of Mobile banking affirmation according to claim 7, the image data when it is characterized in that also comprising marketing personnel's typing client activating pin in the steps d.
10, according to the described a kind of method that is applied to individual Web bank or the user of Mobile banking affirmation of claim 7, it is characterized in that also comprising step e, marketing personnel's live demonstration and instruct the client to use.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2008100593887A CN101499161A (en) | 2008-01-31 | 2008-01-31 | User confirmation method for personal web bank or mobile phone bank |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2008100593887A CN101499161A (en) | 2008-01-31 | 2008-01-31 | User confirmation method for personal web bank or mobile phone bank |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN101499161A true CN101499161A (en) | 2009-08-05 |
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Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CNA2008100593887A Pending CN101499161A (en) | 2008-01-31 | 2008-01-31 | User confirmation method for personal web bank or mobile phone bank |
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| CN (1) | CN101499161A (en) |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN111144931A (en) * | 2019-12-10 | 2020-05-12 | 中国建设银行股份有限公司四川省分行 | System, method and related apparatus for providing customer benefit activities |
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2008
- 2008-01-31 CN CNA2008100593887A patent/CN101499161A/en active Pending
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN111144931A (en) * | 2019-12-10 | 2020-05-12 | 中国建设银行股份有限公司四川省分行 | System, method and related apparatus for providing customer benefit activities |
| CN111144931B (en) * | 2019-12-10 | 2021-07-06 | 中国建设银行股份有限公司四川省分行 | System, method and related apparatus for providing customer benefit activities |
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Application publication date: 20090805 |