CN107464184A - A kind of account opens method and its device - Google Patents
A kind of account opens method and its device Download PDFInfo
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- CN107464184A CN107464184A CN201710577124.XA CN201710577124A CN107464184A CN 107464184 A CN107464184 A CN 107464184A CN 201710577124 A CN201710577124 A CN 201710577124A CN 107464184 A CN107464184 A CN 107464184A
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- Prior art keywords
- user
- account
- information
- basic
- essential information
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
Abstract
The present invention relates to finance account technical field, and method and its device are opened more particularly to a kind of account.This method includes：The essential information of user is obtained, according to the essential information of the user, it is determined whether the basic account of the user be present；If in the presence of bank asks basic account information corresponding to the essential information of the user where to the basic account；Using the basic account information, opened an account for user.Aforesaid way utilizes accounts information corresponding to the essential information of the user prestored in banking system, user can be facilitated in the case where ensureing account safety, new bank account is handled by user terminal, and eliminates the trouble that user goes bank's transacting business to bring in person, lifts Consumer's Experience.
Description
Technical field
The present invention relates to finance account technical field, and method and its device are opened more particularly to a kind of account.
Background technology
When user opens an account in a bank, because facing needs to submit various materials, such as identity card, signature part, take pictures
Deng.Handled face to face it is generally necessary to which user in propria persona arrives bank counter.
Inventor has found that there are the following problems for correlation technique during the present invention is realized：
For the user of issuing bank's account first, this program is necessary, but for having had
For the user of basic account, its essential information is existing in banking system, to be handled every time to sales counter, it is clear that efficiency
It is too low, have a strong impact on the convenience that account is opened.
The content of the invention
One purpose of the embodiment of the present invention aims to provide a kind of account and opens method and its device, user terminal, and it is solved
The existing user that determined needs bank to open an account the technical problem made troubles.
In order to solve the above technical problems, the embodiment of the present invention provides following technical scheme：
In a first aspect, the embodiment of the present invention, which discloses a kind of account, opens method, including：The essential information of user is obtained,
According to the essential information of the user, it is determined whether the basic account of the user be present；If in the presence of to the basic account
Place bank asks basic account information corresponding to the essential information of the user；It is user using the basic account information
Open an account.
Alternatively, after being opened an account for user, methods described also includes：The use corresponding to the account setup opened
Occasion and amount.
Alternatively, the authentication information of user, the application basic account are prestored in the basic account information
Family information, open an account and specifically include for user：The identity information is compared with the authentication information of user；If than
To success, then using the basic account information, opened an account for user.
Alternatively, the essential information of user is being obtained, according to the essential information of the user, is determining that user whether there is base
After the step of plinth account, methods described also includes：If in the presence of all basic accounts corresponding to the essential information of acquisition user
Family；All basic accounts are presented, so that user determines whether to input identity information according to all basic accounts.
Alternatively, the essential information of the user includes：The ID card No. and phone number of user, the body of the user
Part information includes：One kind or more in the facial image of user, the fingerprint of user, the iris of user and the electronic signature of user
Kind.
In second aspect, the embodiment of the present invention discloses a kind of account and opens device, including：First acquisition module, for obtaining
The essential information at family is taken, according to the essential information of the user, it is determined whether the basic account of the user be present；Please modulus
Block, if for existence foundation account, bank asks base corresponding to the essential information of the user where to the basic account
Plinth accounts information；Application module, for applying the basic account information, opened an account for user.
Alternatively, described device also includes：Setup module, for the use occasion corresponding to the account setup opened and make
Use the amount of money.
Alternatively, the authentication information of user is prestored in the basic account information, the application module specifically wraps
Include：Comparing unit, for the identity information to be compared with the authentication information of user；Applying unit, if for than
To success, then using the basic account information, opened an account for user.
Alternatively, described device also includes：
Second acquisition module, if for existence foundation account, obtain all basic accounts corresponding to the essential information of user
Family；Module is presented, for all basic accounts to be presented, so that user determines whether to input according to all basic accounts
Identity information.
Alternatively, the essential information of the user includes：The ID card No. and phone number of user, the body of the user
Part information includes：One kind or more in the facial image of user, the fingerprint of user, the iris of user and the electronic signature of user
Kind.
In the third aspect, the embodiment of the present invention provides a kind of non-transient computer readable storage medium storing program for executing, the non-transient meter
Calculation machine readable storage medium storing program for executing is stored with computer executable instructions, and the computer executable instructions are used to perform user terminal
As above the account described in any one opens method.
In fourth aspect, the embodiment of the present invention provides a kind of user terminal, and the user terminal includes：At least one processing
Device；And the memory being connected with least one processor communication；Wherein, the memory storage have can by it is described at least
The instruction of one computing device, the instruction is by least one computing device, so that at least one processor
The account that can be used in performing as above described in any one opens method.
In each embodiment of the present invention, account corresponding to the essential information of the user prestored in banking system is utilized
Information, user can be facilitated to handle new bank account by user terminal in the case where ensureing account safety, and eliminated
User goes the trouble that bank's transacting business is brought in person, lifts Consumer's Experience.
Brief description of the drawings
One or more embodiments are illustrative by the picture in corresponding accompanying drawing, these exemplary theorys
The bright restriction not formed to embodiment, the element for having same reference numbers label in accompanying drawing are expressed as similar element, removed
Non- have a special statement, and composition does not limit the figure in accompanying drawing.
Fig. 1 is that the embodiment of the present invention provides the schematic flow sheet that a kind of account opens method；
Fig. 2 is that another embodiment of the present invention provides the schematic flow sheet that a kind of account opens method；
Fig. 3 is that another embodiment of the present invention provides the schematic flow sheet that a kind of account opens method；
Fig. 4 is that the embodiment of the present invention provides the structural representation that a kind of account opens device；
Fig. 5 is that another embodiment of the present invention provides the structural representation that a kind of account opens device；
Fig. 6 is that the embodiment of the present invention provides a kind of structural representation of user terminal.
Embodiment
In order to make the purpose , technical scheme and advantage of the present invention be clearer, it is right below in conjunction with drawings and Examples
The present invention is further elaborated.It should be appreciated that specific embodiment described herein is only to explain the present invention, not
For limiting the present invention.
The account of the embodiment of the present invention opens method, can have user interaction means and computing in any suitable type
Performed in the user terminal of the processor of ability, such as：Smart mobile phone, computer, palm PC (Personal Digital
Assistant, PDA), tablet personal computer, intelligent watch, e-book etc..
The account of the embodiment of the present invention, which opens device, can be used as one of software or hardware function units, independently set
Put in above-mentioned user terminal, can also perform the present invention as the one of functional module integrated within a processor and implement
The account of example opens method.
Referring to Fig. 1, Fig. 1 is the schematic flow sheet that a kind of account provided in an embodiment of the present invention opens method, such as Fig. 1 institutes
Show, the account, which opens method 100, to be included：
Step 101, the essential information for obtaining user, according to the essential information of user, determine that user whether there is basic account
Family, if in the presence of execution step 103, if in the absence of execution step 102.
The essential information of user in the present embodiment is to be able to demonstrate that the information of user identity, and the essential information is tied up with user
Essential information that is fixed, being provided according to user, can determine the identity of user.For example, the essential information can be the identity of user
Demonstrate,prove the one or more in CompanyAddress of number, the telephone number of user or user etc..
Wherein, user terminal can obtain the essential information of user in several ways, for example, user is actively whole in user
Input essential information on the interface at end, user terminal is according to the essential information of acquisition, it is determined whether existence foundation account.Example again
Such as, user terminal by taking pictures, the form of barcode scanning obtain the essential information of user.
The existing account that basic account in the present embodiment is established by user in banking system, the basic account
Can be that user goes the account that sales counter opens or user by remotely opening the account of acquisition in person, also, due to
Family can typically open an account in different banks, therefore the basic account can be one or more, for example, user does simultaneously
The deposit card of two different banks is managed, then the basic account is 2.
Wherein, user is that the essential information (e.g., identification card number) based on user is opened when opening basic account, because
This basic account and the essential information of user are mutually bound, and according to the essential information of the user of determination, may further determine that, the base
Whether this information offers basic account.
Step 102, prompting user do not have the authority remotely to open an account.
If the essential information of user illustrates that user does not open in any banking system before without corresponding basic account
Found account, then it is assumed that user does not have the authority remotely to open an account.Wherein, user terminal can prompt to use in many ways
Family, such as to generate prompt message, and will be prompted to mode of the presentation of information on the interface of user terminal and prompt user.
Step 103, to bank where basic account ask basic account information corresponding to the essential information of user.
In the present embodiment, banking system is provided with database, is stored with the database, and all opened in the bank is transferred items
The basic account information of the user at family.User terminal can ask to download the basic account information from the database of bank.Its
In, the basic account information is the information related to the basic account that user opens, for example, the basic account information can wrap
Include：Basic account is opened the time, basic account use range, basic account year charge information etc..
Step 104, application foundation accounts information, open an account for user.
Can be that user opens new account based on the basic account information after the basic account information of user is obtained.
Wherein, above-mentioned including but not limited to bank debit, bank card and other gold for needing essential information to verify of opening an account
Melt card.Certainly, opening an account in this implementation to existing account it is also understood that to enter line activating.
In embodiments of the present invention, believed using account corresponding to the essential information of the user prestored in banking system
Breath, can facilitate user to handle new account by user's terminal remote, and eliminates user and remove bank's transacting business band in person
The trouble come, lift Consumer's Experience.
Because the above-mentioned account opened is completed in remote operation, go bank counter to handle in person compared to user, have one
Fixed security risk, therefore, in certain embodiments, the security risk to open an account can be reduced in several ways,
Authority is opened up for example, being set up to the account opened, or further certification etc. is carried out to the identity of user, specifically, referring to
Fig. 2, Fig. 2 are that a kind of account that another embodiment of the present invention provides opens the schematic flow sheet of method, to each in above-described embodiment
The explanation of step is equally applicable in the present embodiment, and the account, which opens method 200, to be included：
Step 201, the essential information for obtaining user, according to the essential information of the user, determine that user whether there is base
Plinth account.If being not present, step 202 is performed；If in the presence of execution step 203.
Step 202, prompting user do not have the authority remotely to open an account.
Step 203, to bank where basic account ask basic account information corresponding to the essential information of the user, institute
State the authentication information that user is prestored in basic account information.
User identity identification information in this implementation both can be the biological information of user, for example, the face of user
The biological characteristics such as image, the fingerprint of user, the iris of user；Can also be the user such as the electronic signature of user, the sound of user
Feature.
Step 204, identity information is compared with the authentication information of user；Such as compare unsuccessful, then perform step
Rapid 205, perform step 206 if comparing successfully.
In the present embodiment, user terminal can gather the identity information of user and by the identity information and the database of bank
The authentication information of the user of storage is compared, and to determine that this is engraved in user that user terminal opens as me, prevents him
People carries out opening for account using the Back ground Information of user.
Step 205, prompting user do not have the authority remotely to open an account.
Step 206, application foundation accounts information, open an account for user.
Step 207, it is use occasion and amount corresponding to the account setup opened.
In the present embodiment, the use model to open an account can also be further limited after being opened an account for user
Enclose, to ensure the safety of the account, specifically, can be by use occasion corresponding to being set to the account, and to amount
The mode such as it is defined to reduce risk.
Specifically, because bank finance account belongs to very sensitive personal information, it is necessary to the safety guarantee of higher degree.Cause
This, can be by way of being used in combination a variety of authentication informations come the further security for ensuring account and opening.
For example, when identity information is compared with the authentication information of user, require that user starts user first
The camera of terminal, the human face data of user is gathered, carry out initial authentication., can be further after human face data matches
It is required that fingerprint collecting equipment of the user by user terminal, the fingerprint for gathering user is used to verify whether as user.Work as finger
Line is verified after, and the phone number of client reservation is dialed by the contact staff of bank, user is determined in a manner of voice
Need issuing bank's account.
After the call voice of the contact staff of bank also confirms, the mode that electronic signature is finally uploaded by user is complete
Into final authentication process itself.
It is above-mentioned used using a variety of authentication information sequential combinations by way of, can farthest ensure user
Private Banking's account information security, it is ensured that account open be by I complete.
In certain embodiments, user terminal can also further generate the account letter for the account opened on user
Cease, and account information is shown in the interface of user terminal in the form of prompt message, to help user to check above-mentioned account
Whether information is wrong.
Further, user, can be at above-mentioned interface in the form of arbitrary, for example, point after accounts information is checked
The form of " confirmation " is hit, determines that accounts information verification finishes, so that the operation that user terminal triggers according to user, generation user obtains
Take the prompt message of the entity file to open an account.So user can also obtain the account while long-range open an account
Entity card.
In some cases, the account that user had opened before forgetting, repeated to avoid user because forgeing
Opened an account in same bank, when user opens an account, all bases of user can be inquired about according to the essential information of user
Account.Specifically referring to Fig. 3, Fig. 3 is the schematic flow sheet that a kind of account that another embodiment of the present invention provides opens method,
Explanation in above-described embodiment to each step is equally applicable in the present embodiment, and the account, which opens method 300, to be included：
Step 301, the essential information for obtaining user, according to the essential information of user, determine that user whether there is basic account
Family.If being not present, step 302 is performed；If in the presence of execution step 303.
Step 302, prompting user do not have the authority remotely to open an account.
Step 303, obtain all basic accounts corresponding to the essential information of user.
In the present embodiment, if there is the record to open an account before user in bank, banking system is stored with the institute of user
There is the record of basic account, all basic accounts of user can be obtained according to the essential information of user.
Step 304, all basic accounts are presented, so that user determines whether that inputting identity believes according to all basic accounts
Breath；Step 305 is performed if user does not confirm；Step 306 is performed if user confirms.
In the present embodiment, user can be carried out choosing whether to continue to open new account after all basic accounts are confirmed
Family, on the one hand, avoid causing user from repeating situation about opening an account, be on the other hand basic account information used in user is presented, can be with
Aspect user is clearer to know that history is opened an account record, determines to need the bank to open an account, greatly facilitates user's account with more preferable
Open at family.
Step 305, prompting user confirm that cancellation opens an account.
If in the given time, user terminal does not receive the identity information of user, then confirm that user abandons this time opening
Open an account with the operation at family, user terminal can cancel this operation to open an account.
Step 306, to bank where basic account ask basic account information corresponding to the essential information of user.
Step 307, application foundation accounts information, open an account for user.
In embodiments of the present invention, account corresponding to the essential information of the user prestored in banking system is on the one hand utilized
Family information, user can be facilitated to handle new account by user's terminal remote, on the other hand, banking system can be with calling and obtaining user
All basic accounts, to help user to determine the account that needs are opened, eliminate user and go bank's transacting business to bring in person
Trouble, improve the efficiency that user opens an account, improve Consumer's Experience.
Certainly, although the above method disclosure satisfy that the convenient requirement of opening an account of user, pacify for the accounts information of bank
Sizable challenge is also result in entirely.Therefore, in order to balance the contradiction of both.Methods described can also further increase by one
A little steps, increase the above-mentioned mode remotely to open an account suitable limitation to ensure financial security.
For example it is possible to record user in certain period of time, passes through the operation frequency of the long-range open financial accounts of the above method
Rate, when operating frequency reaches predetermined threshold value, stop the authority of the long-range open financial accounts of user.Either, it is remotely to open
The vertical finance account Permission Levels different with the finance account setting normally opened, (if the maximum dollar amount limit of processing
System).
When the having beyond the Capital Flow of Permission Levels of finance account for monitoring that user remotely opens, user is prompted to need
Bank counter is arrived to be put on record to lift the Permission Levels of finance account.
As the another aspect of the embodiment of the present invention, the embodiment of the present invention provides a kind of account and opens device.Such as Fig. 4 institutes
Show, the account, which opens device 400, to be included：First acquisition module 41, request module 42 and application module 43.
First acquisition module 41, user obtains the essential information of user, according to the essential information of user, it is determined whether exist
The basic account of the user；Request module, if for existence foundation account, bank asks user's where to basic account
Basic account information corresponding to essential information；Application module, for application foundation accounts information, opened an account for user.
In embodiments of the present invention, believed using account corresponding to the essential information of the user prestored in banking system
Breath, can facilitate user to handle new bank account by user terminal in the case where ensureing account safety, and eliminate use
The trouble that bank's transacting business is brought is gone at family in person, lifts Consumer's Experience.
As the another aspect of the embodiment of the present invention, the embodiment of the present invention provides a kind of account and opens device.Such as Fig. 5 institutes
Show, the account, which opens device 500, to be included：First acquisition module 51, request module 52, application module 53, setup module 54, second
Acquisition module 55 and presentation module 56.Wherein, application module 53 includes：Comparing unit 531 and applying unit 532.
Wherein, the first acquisition module 51, request module 52 and application module 53 open dress with the account in above-described embodiment
The effect and function phase put are same, will not be repeated here.
Setup module 54, for use occasion and amount corresponding to the account setup opened；Comparing unit 531,
For identity information to be compared with the authentication information of user；Applying unit 532, if for comparing successfully, apply
Basic account information, opens an account for user；Second acquisition module 55, if for existence foundation account, the base of acquisition user
All basic accounts corresponding to this information；Module 56 is presented, for all basic accounts to be presented, so that user is according to all bases
Account determines whether to input identity information.
In embodiments of the present invention, account corresponding to the essential information of the user prestored in banking system is on the one hand utilized
Family information, user can be facilitated to handle new account by user's terminal remote, on the other hand, banking system can be with calling and obtaining user
All basic accounts, to help user to determine the account that needs are opened, eliminate user and go bank's transacting business to bring in person
Trouble, improve the efficiency that user opens an account, improve Consumer's Experience.
As the another aspect of the embodiment of the present invention, the embodiment of the present invention provides a kind of user terminal.As shown in fig. 6, should
User terminal 600 includes：One or more processors 61 and memory 62.Wherein, in Fig. 6 by taking a processor 61 as an example.
Processor 61 can be connected with memory 62 by bus or other modes, to be connected as by bus in Fig. 6
Example.
Memory 62 is used as a kind of non-volatile computer readable storage medium storing program for executing, available for storage non-volatile software journey
Sequence, non-volatile computer executable program and module, the program as corresponding to the account in the embodiment of the present invention opens method
Instruction/module (for example, modules and unit described in Fig. 1 to Fig. 3).Processor 61 is stored in memory 62 by operation
Non-volatile software program, instruction and module, opened so as to perform account at the various function application and data of device
Reason, that is, realize that above method embodiment account opens the function of the modules of method and said apparatus embodiment.
Memory 62 can include high-speed random access memory, can also include nonvolatile memory, for example, at least
One disk memory, flush memory device or other non-volatile solid state memory parts.In certain embodiments, memory 62
It is optional including network connection to processor can be passed through relative to the remotely located memory of processor 61, these remote memories
61.The example of above-mentioned network includes but is not limited to internet, intranet, LAN, mobile radio communication and combinations thereof.
Described program instruction/module is stored in the memory 62, is held when by one or more of processors 61
During row, the account performed in above-mentioned any means embodiment opens method, for example, performing shown in Fig. 1 described above to Fig. 3
Each step；Also the function of accompanying drawing 4 and the modules described in Fig. 5 can be realized.
The user terminal 600 of the embodiment of the present invention exists in a variety of forms, is performing execution above description described above
Fig. 1 to Fig. 3 shown in each step；When can also realize the function of accompanying drawing 4 and the modules described in Fig. 5, above-mentioned user is whole
End 600 includes but is not limited to：
(1) mobile communication equipment：The characteristics of this kind equipment is that possess mobile communication function, and to provide speech, data
Communicate as main target.This Terminal Type includes:Smart mobile phone (such as iPhone), multimedia handset, feature mobile phone, and it is low
Hold mobile phone etc..
(2) super mobile personal computer equipment:This kind equipment belongs to the category of personal computer, there is calculating and processing work(
Can, typically also possess mobile Internet access characteristic.This Terminal Type includes：PDA, MID and UMPC equipment etc., such as iPad.
(3) portable entertainment device：This kind equipment can show and play video content, typically also possess mobile Internet access spy
Property.The kind equipment includes：Account opens device, handheld device, and intelligent toy and portable car-mounted navigation equipment.
(4) other have the electronic equipment that account opens function and function of surfing the Net.
The embodiment of the present invention additionally provides a kind of nonvolatile computer storage media, the computer-readable storage medium storage
There are computer executable instructions, the computer executable instructions are executed by one or more processors, such as at one in Fig. 6
Device 61 is managed, said one is may be such that or account that multiple processors can perform in above-mentioned any means embodiment opens method, example
Such as, the account performed in above-mentioned any means embodiment opens method, for example, performing execution figure described above described above
Each step shown in 1 to Fig. 3；Also the function of accompanying drawing 4 and the modules described in Fig. 5 can be realized.
In each embodiment of the present invention, account corresponding to the essential information of the user prestored in banking system is utilized
Information, user can be facilitated to handle new bank account by user terminal in the case where ensureing account safety, and eliminated
User goes the trouble that bank's transacting business is brought in person, lifts Consumer's Experience.
Device or apparatus embodiments described above be only schematical, illustrates wherein described as separating component
Unit module can be or may not be physically separate, can be as the part that modular unit is shown or also may be used
Not to be physical location, you can with positioned at a place, or can also be distributed on multiple mixed-media network modules mixed-media units.Can basis
It is actual to need to select some or all of module therein to realize the purpose of this embodiment scheme.
Through the above description of the embodiments, those skilled in the art can be understood that each embodiment can
Realized by the mode of software plus general hardware platform, naturally it is also possible to pass through hardware.Based on such understanding, above-mentioned technology
The part that scheme substantially contributes to correlation technique in other words can be embodied in the form of software product, the computer
Software product can store in a computer-readable storage medium, such as ROM/RAM, magnetic disc, CD, including some instructions are with directly
To computer equipment (can be personal computer, server, either network equipment etc.) perform each embodiment or
Method described in some parts of embodiment.
Finally it should be noted that：The above embodiments are merely illustrative of the technical solutions of the present invention, rather than its limitations；At this
Under the thinking of invention, it can also be combined between the technical characteristic in above example or different embodiments, step can be with
Realized with random order, and many other changes of the different aspect of the present invention as described above be present, for simplicity, they do not have
Have and provided in details；Although the present invention is described in detail with reference to the foregoing embodiments, the ordinary skill people of this area
Member should be understood：It can still modify to the technical scheme described in foregoing embodiments, or to which part skill
Art feature carries out equivalent substitution；And these modifications or replacement, the essence of appropriate technical solution is departed from each reality of the application
Apply the scope of a technical scheme.
Claims (10)
1. a kind of account opens method, it is characterised in that including：
The essential information of user is obtained, according to the essential information of the user, it is determined whether the basic account of the user be present；
If in the presence of bank asks basic account information corresponding to the essential information of the user where to the basic account；
Using the basic account information, opened an account for user.
2. according to the method for claim 1, it is characterised in that after being opened an account for user, methods described also includes：
Use occasion and amount corresponding to the account setup opened.
3. according to the method for claim 1, it is characterised in that the identity that user is prestored in the basic account information is recognized
Information is demonstrate,proved, the application basic account information, opens an account and specifically includes for user：
The identity information is compared with the authentication information of user；
If comparing successfully, using the basic account information, opened an account for user.
4. according to the method for claim 3, it is characterised in that the essential information of user is being obtained, according to the user's
Essential information, after determining the step of user whether there is basic account, methods described also includes：
If in the presence of all basic accounts corresponding to the essential information of acquisition user；
All basic accounts are presented, so that user determines whether to input identity information according to all basic accounts.
5. according to the method described in any one of Claims 1-4, it is characterised in that the essential information of the user includes：User
ID card No. and phone number, the identity information of the user include：The facial image of user, the fingerprint of user, user
Iris and user electronic signature in one or more.
6. a kind of account opens device, it is characterised in that including：
First acquisition module, for obtaining the essential information of user, according to the essential information of the user, it is determined whether institute be present
State the basic account of user；
Request module, if for existence foundation account, bank asks the basic letter of the user where to the basic account
Basic account information corresponding to breath；
Application module, for applying the basic account information, opened an account for user.
7. device according to claim 6, it is characterised in that described device also includes：
Setup module, for use occasion and amount corresponding to the account setup opened.
8. device according to claim 6, it is characterised in that the identity that user is prestored in the basic account information is recognized
Information is demonstrate,proved, the application module specifically includes：
Comparing unit, for the identity information to be compared with the authentication information of user；
Applying unit, if for comparing successfully, using the basic account information, opened an account for user.
9. device according to claim 8, it is characterised in that described device also includes：
Second acquisition module, if for existence foundation account, obtain all basic accounts corresponding to the essential information of user；
Present module, for all basic accounts to be presented so that user determined whether according to all basic accounts it is defeated
Enter identity information.
10. according to the device described in any one of claim 6 to 9, it is characterised in that the essential information of the user includes：With
The ID card No. and phone number at family, the identity information of the user include：The facial image of user, the fingerprint of user, use
One or more in the iris at family and the electronic signature of user.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710577124.XA CN107464184A (en) | 2017-07-14 | 2017-07-14 | A kind of account opens method and its device |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710577124.XA CN107464184A (en) | 2017-07-14 | 2017-07-14 | A kind of account opens method and its device |
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| CN107464184A true CN107464184A (en) | 2017-12-12 |
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| CN201710577124.XA Pending CN107464184A (en) | 2017-07-14 | 2017-07-14 | A kind of account opens method and its device |
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Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
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| CN108335196A (en) * | 2018-01-24 | 2018-07-27 | 平安科技（深圳）有限公司 | Credit card turns on family service implementation method, equipment, system and storage medium |
| CN111415245A (en) * | 2020-03-31 | 2020-07-14 | 中国建设银行股份有限公司 | Account opening method and device |
| CN113592484A (en) * | 2021-07-16 | 2021-11-02 | 支付宝(杭州)信息技术有限公司 | Account cubing method, system and device |
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Cited By (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN108335191A (en) * | 2017-12-29 | 2018-07-27 | 深圳壹账通智能科技有限公司 | Account-opening method, financial services system end and the computer storage media of finance account |
| CN108335196A (en) * | 2018-01-24 | 2018-07-27 | 平安科技（深圳）有限公司 | Credit card turns on family service implementation method, equipment, system and storage medium |
| WO2019144530A1 (en) * | 2018-01-24 | 2019-08-01 | 平安科技（深圳）有限公司 | Method, device, system and storage medium for implementing credit card account transfer and opening service |
| CN111415245A (en) * | 2020-03-31 | 2020-07-14 | 中国建设银行股份有限公司 | Account opening method and device |
| CN113592484A (en) * | 2021-07-16 | 2021-11-02 | 支付宝(杭州)信息技术有限公司 | Account cubing method, system and device |
| WO2023284691A1 (en) * | 2021-07-16 | 2023-01-19 | 支付宝(杭州)信息技术有限公司 | Account opening method, system, and apparatus |
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