CN108335191B - Financial account opening method, financial service system terminal and computer storage medium - Google Patents
Financial account opening method, financial service system terminal and computer storage medium Download PDFInfo
- Publication number
- CN108335191B CN108335191B CN201711472837.6A CN201711472837A CN108335191B CN 108335191 B CN108335191 B CN 108335191B CN 201711472837 A CN201711472837 A CN 201711472837A CN 108335191 B CN108335191 B CN 108335191B
- Authority
- CN
- China
- Prior art keywords
- financial
- account
- user
- information
- opening
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Active
Links
Images
Classifications
-
- 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
- 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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/357—Cards having a plurality of specified features
- G06Q20/3572—Multiple accounts on card
Landscapes
- Engineering & Computer Science (AREA)
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Physics & Mathematics (AREA)
- Finance (AREA)
- Theoretical Computer Science (AREA)
- General Physics & Mathematics (AREA)
- Strategic Management (AREA)
- General Business, Economics & Management (AREA)
- Development Economics (AREA)
- Technology Law (AREA)
- Marketing (AREA)
- Economics (AREA)
- Microelectronics & Electronic Packaging (AREA)
- Computer Networks & Wireless Communication (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention discloses an account opening method for financial accounts, which comprises the following steps: responding to a financial account opening request of a user, and acquiring bank card information corresponding to the user and opening information of a financial account; determining a plurality of financial accounts of the user, which meet account opening conditions, according to account opening information of the financial accounts of the user; simultaneously creating the plurality of financial accounts bound to the user's bank card. The invention also discloses a financial service system terminal and a computer readable storage medium. The invention solves the problem of complicated procedures in the account opening process of the financial account, and is convenient for a user to open a plurality of financial accounts at one time.
Description
Technical Field
The invention relates to the field of finance, in particular to an account opening method for a financial account, a financial service system terminal and a computer readable storage medium.
Background
With the advent of the information age, payment means in the financial field have been increasing, such as e-bank payment, union pay payment, treasury payment and fund storage and management payment which appear in succession. If a user needs to use multiple financial payment functions, multiple financial accounts correspondingly need to be created. At present, the creation of a plurality of financial accounts needs to be repeatedly executed for a plurality of times, and meanwhile, account opening data of the financial accounts needs to be submitted to different service terminals for managing the financial accounts when the financial accounts are created every time, so that the procedure is complicated.
Disclosure of Invention
The invention mainly aims to provide a financial account opening method, a financial service system end and a computer readable storage medium, aiming at solving the problem of complicated procedures in the financial account opening process.
In order to achieve the above purpose, the invention provides a financial account opening method, which comprises the following steps:
responding to a financial account opening request of a user, and acquiring bank card information corresponding to the user and opening information of a financial account;
determining a plurality of financial accounts of the user, which meet account opening conditions, according to account opening information of the financial accounts of the user;
simultaneously creating the plurality of financial accounts bound to the user's bank card.
In order to achieve the above object, the present invention further provides a financial service system for executing an account opening service of a financial account, including:
the acquisition module is used for responding to a financial account opening request of a user and acquiring bank card information corresponding to the user and opening information of a financial account;
the determining module is used for determining a plurality of financial accounts of the user, which meet account opening conditions, according to account opening information of the financial accounts of the user;
a creating module for creating the plurality of financial accounts bound with the bank card of the user at the same time.
In order to achieve the above object, the present invention further provides a financial service system, including a communication module, a processor, a memory, and a computer program stored in the memory and operable on the processor; the processor, when executing the computer program, implements the steps of the method for opening an account for a financial account as described above.
To achieve the above object, the present invention further provides a computer-readable storage medium, having a computer program stored thereon, where the computer program is executed by a processor to implement the steps of the method for opening an account of a financial account as described above.
By adopting the financial account opening method, a plurality of financial accounts meeting the opening condition can be created for the user at the same time, and the user can create a plurality of financial accounts only by providing the bank card information and the opening information of the financial accounts once. Because the account opening materials do not need to be provided for many times, and the account opening operation does not need to be executed for many times, the problem of complicated procedures in the account opening process of the financial account is solved, and the operation is convenient and fast.
Drawings
FIG. 1 is a block diagram of a financial services system according to an embodiment of the present invention;
FIG. 2 is a flowchart illustrating a first embodiment of a method for opening an account of a financial account according to the present invention;
FIG. 3 is a flowchart illustrating a method for opening an account of a financial account according to a second embodiment of the present invention;
FIG. 4 is a flowchart illustrating a financial account opening method according to a third embodiment of the present invention;
FIG. 5 is a flowchart illustrating a fourth embodiment of a financial account opening method according to the present invention;
FIG. 6 is a flowchart illustrating a fifth embodiment of a method for opening an account of a financial account according to the present invention;
FIG. 7 is a flowchart illustrating a detailed process of step S323 in another embodiment of the financial account opening method according to the present invention;
FIG. 8 is a flowchart illustrating a detailed process of step S30 in the sixth embodiment of the method for opening an account according to the present invention;
FIG. 9 is a functional block diagram of a financial system server according to an embodiment of the present invention.
Detailed Description
It should be understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.
In the following description, suffixes such as "module", "component", or "unit" used to denote elements are used only for facilitating the explanation of the present invention, and have no specific meaning in itself. Thus, "module", "component" or "unit" may be used mixedly.
Please refer to fig. 1, which is a schematic diagram of a hardware structure module of a financial service system end 100 for implementing various embodiments of the present invention, wherein the financial service system end 100 is configured to execute an account opening transaction of a financial account. The financial service system end 100 may be an electronic terminal installed with a financial account opening program, may also be a server for managing financial account opening services, and may also include the electronic terminal and the server at the same time. The financial service system side 100 may include a plurality of service sides for respectively creating different financial accounts.
The financial accounts may include class i bank accounts and class ii bank accounts distinguished according to a personal bank account classification management mechanism of the chinese people bank, and may further include fund accounts or fund debit accounts, such as a safe payment fund payment account, a dawn fund account, and a land-based fund debit account, and may also be internet financial accounts bound by a pan account number or a wechat account number. It is understood that each fund account or fund debit account corresponds to a service of each fund operator, and the user can register and trade on the service managed by the fund operator.
The financial service system 100 claimed in the present invention includes a communication module 10, a memory 20, and a processor 30. Those skilled in the art will appreciate that the financial services system end 100 shown in FIG. 1 may also include more or fewer components than shown, or some components may be combined, or a different arrangement of components. Wherein, the processor 30 is connected to the memory 20 and the communication module 10, respectively, and the memory 20 stores thereon a computer program, which is executed by the processor 30 at the same time.
The communication module 10 may be connected to an external device, such as another terminal, through a network. The communication module 10 may receive a request from an external communication device and may also send events, commands and information to the external device and/or server. The external communication equipment can be electronic equipment such as a server, a mobile phone, a tablet personal computer and camera equipment.
The memory 20 may be used to store software programs as well as various data. The memory 20 may mainly include a program storage area and a data storage area, wherein the program storage area may store an operating system and the like; the storage data area may store data or information created according to the use of the financial service system terminal 100, and may also store a computer program (e.g., a software program for opening a financial account). Further, the memory 20 may include high speed random access memory, and may also include non-volatile memory, such as at least one magnetic disk storage device, flash memory device, or other volatile solid state storage device.
The processor 30, which is a control center of the fsm 100, connects various parts of the entire fsm 100 by using various interfaces and lines, and performs various functions and processes data of the fsm 100 by running or executing software programs and/or modules stored in the memory 20 and calling data stored in the memory 20, for example, controlling a plurality of servers of the fsm 100 for respectively creating financial accounts to simultaneously create a plurality of financial accounts. Processor 30 may include one or more processing units; preferably, the processor 30 may integrate an application processor, which mainly handles operating systems, user interfaces, application programs, etc., and a modem processor, which mainly handles wireless communications. It will be appreciated that the modem processor described above may not be integrated into the processor 30.
Although not shown in fig. 1, the financial services system side 100 may further include a circuit control module, which is connected to a power supply to implement power supply control and ensure normal operation of other components. The financial service system side 100 may further include a display unit and a touch screen unit. The touch screen unit may be overlaid on the display unit, and is configured to detect a touch operation of a user on or near the touch screen unit, and transmit the touch operation to the processor 30 to determine a type of the touch event, and then the processor 30 provides a corresponding visual output on the display unit according to the type of the touch event. Optionally, the display unit may be further combined with the processor 30 for background monitoring of the financial services system 100.
Those skilled in the art will appreciate that the financial services system end 100 shown in FIG. 1 may also include more or fewer components than shown, or some components may be combined, or a different arrangement of components.
Based on the above hardware structure, a first embodiment of the financial account opening method of the present invention is provided, and referring to fig. 2, in this embodiment, the method includes:
step S10, responding to the financial account opening request of the user, and acquiring the bank card information corresponding to the user and the opening information of the financial account;
when the financial service system end is a terminal such as intelligent equipment of a user or an agent computer of a bank, and the user requests the terminal to create a financial account, a processor of the terminal responds to an account opening request of the financial account of the user, the processor can display an interface for creating the financial account through a display unit of the terminal, and the user inputs account opening information and bank card information of the user through a touch screen unit or an information acquisition unit preset by the terminal; when the financial service system end is a server for managing financial account opening business, after responding to a financial account opening request of a user, the financial service system end can also obtain bank card information corresponding to the user and opening information of a financial account through an opening terminal used by the user or by calling identity information of the user, and then the opening terminal sends the bank card information of the user and the opening information of the financial account to the server for managing financial account opening business.
The account opening information can comprise certificate information, image information, user contact information, fingerprint information and the like required by opening a financial account of a user, and can also comprise a bank card which is opened by the user and is required by opening the financial account, wherein the bank card can be a bank card corresponding to a class I bank account and a class II bank account which are distinguished according to a personal bank account classification management mechanism of a Chinese people bank. After the user inputs bank card information and account opening information of the financial account required for handling the financial account, a processor of the financial service system side acquires the bank card information and the account opening information of the financial account, and stores the acquired bank card information and the account opening information of the financial account in a memory.
Step S20, determining a plurality of financial accounts of the user which meet account opening conditions according to account opening information of the financial accounts of the user;
the memory of the financial service system end can be pre-stored with financial account opening standards, and the opening requirements of different financial accounts can be different, wherein the opening requirements can refer to the age limit requirements of users, the asset requirements of users, the materials to be uploaded by the users, and whether the users pass knowledge assessment before making an opening application. The processor screens a plurality of financial accounts of the user, which accord with the account opening condition, according to the account opening information of the financial accounts provided by the user and the financial account opening standard stored in the memory.
For example, the method for determining a plurality of financial accounts of the user meeting the account opening condition may be: and if the account A can be opened according to financial account opening materials provided by the user, confirming the account A as a financial account meeting the opening conditions until all financial account opening standards needing to be matched in the memory are matched, and confirming all financial accounts meeting the opening conditions as a plurality of financial accounts meeting the opening conditions of the user.
For example, when the user inputs account opening information of the financial account, the user can be reminded to select the financial account to be opened through the display module; furthermore, after the user selects the financial account, the similar financial account is recommended to be selected by the user again according to the preference of the financial account selected by the user; optionally, the financial accounts selected according to the user requirements and the financial account opening criteria in the memory may be combined to jointly confirm a plurality of financial accounts of the user meeting the opening conditions.
Step S30, creating the plurality of financial accounts bound with the user' S bank card at the same time.
After a plurality of financial accounts which accord with the account opening conditions of the user are determined, a plurality of financial accounts bound with a bank card of the user are created for the user at the same time according to account opening information of the financial accounts provided by the user. It should be noted that account numbers and/or passwords logged in a plurality of financial accounts may be set to be consistent, or may be set to be inconsistent, for example, the plurality of financial accounts include an account a and an account B, where account numbers used in the login of the account a and the account B are inconsistent; or when a plurality of financial accounts are created, all the accounts can be associated, and one account can be directly logged into the other financial account; or the user can log in through the card number of the bound bank card or the certificate number of the user.
In this embodiment, the bank card information of the user and the account opening information of the financial account are acquired by responding to the financial account opening request of the user; determining a plurality of financial accounts of the user, which meet account opening conditions, according to account opening information of the financial accounts of the user; simultaneously creating the plurality of financial accounts bound to the user's bank card. The financial account opening method and the financial account opening device enable a user to simultaneously create a plurality of financial accounts which meet the opening conditions when the financial accounts are created, so that the problem that the opening procedure is complicated in the financial account opening process is solved, the user can conveniently open the plurality of financial accounts at one time, and the user is prevented from being disturbed.
Referring to fig. 3, a second embodiment of the financial account opening method according to the present invention is provided based on the first embodiment of the financial account opening method according to the present invention, and in this embodiment, the step S20 includes:
step S21, acquiring information of a plurality of financial accounts which need to be opened by the user according to the account opening information of the financial account of the user;
in this embodiment, when the display module prompts the user to input account opening information of the financial account, the user may be prompted to select at least two financial accounts that need to be opened, for example, all the names of the financial accounts may be listed in a table for the user to check. After the account opening information of the financial account is submitted, a processor of the financial service system side acquires a plurality of pieces of financial account information which are required to be opened by the user from the account opening information of the financial account.
Step S22, generating a user financial account requirement table according to the information of the plurality of financial accounts to be opened, wherein the financial account requirement table comprises a plurality of financial accounts to be opened by the user;
the processor can form a data table for recording the financial account opening requirement of the user after acquiring the information of a plurality of financial accounts to be opened, and then store the financial account requirement table in the memory.
The step S30 includes:
step S31, a plurality of financial accounts corresponding to the user financial account requirement table are created at the same time, wherein the financial accounts are all bound with the bank card of the user.
And the processor of the financial service system side simultaneously creates all financial accounts selected by the user according to the user financial account demand table, and the number of the financial accounts is at least 2. For example, the user checks a safe payment fund payment account, a blossoming fund account and a land-based management fund debit account according to the prompt of the display module, and the processor simultaneously opens three financial accounts of the safe payment fund payment account, the blossoming fund account and the land-based management fund debit account after receiving the financial demand table of the user, and further the financial accounts are all bound with the bank card of the user.
Optionally, the financial accounts may be bound to a class i bank account or a class ii bank account opened by the user in a bank, or may be bound to multiple bank accounts, and only need to be associated with the user himself.
The method comprises the steps of acquiring information of a plurality of financial accounts which need to be opened by a user, generating a user financial account requirement table containing the financial accounts which need to be opened by the user, and then creating the financial accounts for the user simultaneously according to the user financial account requirement table, so that the requirement of the user for opening the financial accounts can be known quickly and timely.
Referring to fig. 4, a third embodiment of the financial account opening method according to the present invention is provided based on the first embodiment of the financial account opening method according to the present invention, and in this embodiment, the step S20 includes:
step S23, acquiring the financial account information which needs to be opened by the user according to the account opening information of the financial account of the user;
the embodiment can prompt the user to select one or more financial accounts to be opened when the user is prompted to input account opening information of the financial accounts through the display module, and after the user completes the selection, the one or more financial accounts to be opened selected by the user and data required by account opening form the account opening information of the financial accounts; before the financial account is created, one or more pieces of financial account information which the user needs to open are obtained according to the opening information of the financial account, wherein the one or more pieces of financial account information may include the name of the financial account which the user needs to open, and data which the financial account needs to open, such as the certificate number and the name of the user.
Step S24, generating a user financial account requirement table according to the financial account information required to be opened, wherein the financial account requirement table comprises the financial accounts required to be opened by the user and at least one financial account of the user meeting the account opening condition.
The user financial account demand table can comprise one or more financial accounts which need to be opened by the user, and also comprises at least one financial account which meets the account opening condition of the user, namely the financial account which meets the account opening condition of the user is directly recommended and selected for the user before a plurality of financial accounts are simultaneously created. The at least one financial account which is selected for the user and meets the account opening condition of the user is different from the financial account which is selected by the user and needs to be opened, so that the simultaneous establishment of a plurality of financial accounts is ensured.
The step S30 includes:
step S31, a plurality of financial accounts corresponding to the user financial account requirement table are created at the same time, wherein the financial accounts are all bound with the bank card of the user.
For example, when the user inputs account opening information of a financial account, the user passes knowledge evaluation, at this time, the user financial account requirement table generated by the processor may include a financial account which can be opened only through the knowledge evaluation and a financial account which can be opened without the knowledge evaluation, or only include a financial account which can be opened only through the knowledge evaluation in the user financial account requirement table, or may select to open a similar account for the user according to the account opened by the user, for example, the account which the user applies for opening is a dahua fund account, and directly select to open a safe payment account for the user according to the similarity.
It should be noted that the method for simultaneously creating a plurality of financial accounts corresponding to the user financial account requirement table may be set according to actual needs, the financial service system end may send account opening information and bank card information of the financial accounts to the service ends corresponding to the financial accounts respectively, and each service end that creates a corresponding financial account respectively creates a financial account according to the account opening information and the bank card information of the financial account, thereby achieving the purpose of creating a plurality of financial accounts for the user at the same time.
Optionally, after the plurality of financial accounts are created, the service terminals respectively corresponding to the plurality of financial accounts set consumption information sharing permissions for the created corresponding financial accounts, so that the consumption information of other accounts in the plurality of financial accounts can be acquired from one financial account.
In the embodiment, the financial accounts which need to be opened by the user and the at least one financial account which meets the account opening condition of the user are set in the financial account requirement table, so that a plurality of financial accounts are created for the user, the opening mode of financial services of financial enterprises is increased, and the sources of financial assets are indirectly widened.
Referring to fig. 5, a fourth embodiment of the financial account opening method according to the present invention is provided based on the first embodiment of the financial account opening method according to the present invention, in this embodiment, the step S30 is preceded by:
step S40, sharing the obtained bank card information corresponding to the user and the account opening information of the financial accounts to the service terminals corresponding to the financial accounts respectively;
in order to ensure that a plurality of financial accounts are created simultaneously, the corresponding server of each financial account in the plurality of financial accounts needs to be managed to share the bank card information of the user and the account opening information of the financial account, and the user does not need to submit one piece of financial account opening information to each server independently.
When a user needs to create a plurality of financial accounts, the processor in the financial system service end, which acquires the bank card information of the user and the account opening information of the financial accounts, may send the bank card information of the user and the account opening information of the financial accounts, which are required by the account opening of the financial accounts, to the service ends respectively corresponding to the creation of the plurality of financial accounts. The service terminals corresponding to the plurality of financial accounts share the financial account information with the service terminal of the financial system.
Optionally, the servers corresponding to the financial accounts may respectively correspond to the financial accounts in a one-to-one correspondence relationship, and the financial accounts may also correspond to one server.
The step S30 includes:
step S32, on the service end corresponding to each of the plurality of financial accounts, creating a corresponding financial account according to the received bank card information of the user and the account opening information of the financial account.
On the premise that account opening information of a financial account of a server and bank card information of a user are shared, the corresponding server for managing financial account creation creates the financial account according to the received bank card information corresponding to the user and the account opening information of the financial account. All the service terminals needing to create the financial accounts are correspondingly created financial accounts which are a plurality of financial accounts required to be created by the user together.
Further, the setting rule of the account name in the financial account created by the server may be set according to actual needs, for example, one account name may correspond to all financial accounts, or, in a case that the financial account name corresponding to one server already exists, the generation of a new account name may be performed by adding an arabic number after the financial account names created by other servers, or the account names of the financial accounts created by all servers have respective generation rules, which are random, that is, the financial account generation rule of each server may be the same or different, or the financial accounts created by other servers may be named according to the naming rule of the financial account in one server. For example, if an account name, pingan, already exists, then the new account name may be pingan 001.
In this embodiment, by setting the service terminals respectively corresponding to the plurality of financial accounts and creating the corresponding financial accounts on the corresponding service terminals according to the received bank card information and the account opening information of the financial accounts, a feasible account opening method for creating the plurality of financial accounts at the same time is provided.
Referring to fig. 6, a fifth embodiment of the financial account opening method according to the present invention is provided based on the fourth embodiment of the financial account opening method according to the present invention, and in this embodiment, the step S40 includes:
step S41, the obtained bank card information corresponding to the user, account opening information of financial accounts, and authorization information are shared to the servers corresponding to the multiple financial accounts, respectively.
The processor of the financial system service end sends the bank card information of the user and the account opening information of the financial accounts to the service ends corresponding to the financial accounts respectively, and also sends authorization information to the service ends corresponding to the financial accounts respectively. Optionally, different financial accounts may be created according to whether the corresponding servers receive the authorization information.
Step S321, respectively judging whether the authorization information is received on the server side corresponding to the plurality of financial accounts; if yes, go to step S322; if not, executing step S323;
step S322, on the service end, creating a corresponding activated financial account according to the received bank card information of the user and the account opening information of the financial account;
step S323, on the server, creating a corresponding inactivated financial account according to the received bank card information of the user and the account opening information of the financial account.
The authorization information corresponds to an authorization indication issued by the processor as a financial system server to a corresponding server that creates a plurality of financial accounts. May be that if the service creating the financial account receives the authorization information, an activated financial account is created on the service; and if the service end for creating the financial account does not receive the authorization information, creating an inactivated financial account on the service end. And determining the activation state of the created financial account according to whether the server corresponding to the created financial account receives the authorization information, so that further service can be provided for the creation of a plurality of financial accounts of the user. For example, when the user needs to open the financial account but does not use the financial account for a while, the processor of the financial system server may send the instruction information to the financial system server, so that the server corresponding to the financial account that needs to be used receives the authorization information, and the server corresponding to the financial account that does not need to be used for a while does not receive the authorization information. This also ensures the security of the user's financial account usage.
Further, in other embodiments, in order to enhance the use security of the financial account, the service end itself that creates the financial account may also set different security levels, so as to ensure the fund security of the user.
For example, referring to fig. 7, the step S323 may include:
step S324, when the server side does not receive the authorization information, judging whether the security level of the current server side is greater than a preset security threshold value on the server side; if yes, go to step S325;
step S325, on the server, creating a corresponding inactivated financial account according to the received bank card information of the user and the account opening information of the financial account.
And when the security level of the current server is smaller than or equal to a preset security threshold, creating an activated financial account according to the received bank card information of the user and the account opening information of the financial account. Wherein the inactive financial account requires the user to actively activate before subsequent use, and the activated financial account can be directly used, for example, to perform a financial transaction.
The sixth embodiment of the financial account opening method according to the present invention is proposed based on the first embodiment of the financial account opening method according to the present invention, and referring to fig. 8, in this embodiment, the step S30 includes:
step S33, generating financial account login information;
the financial account login information may include an account name, an account login password, an associated mailbox, and the like. Optionally, the financial account login information may be summarized in a data table, and the summarized financial account login information is sent to a server that simultaneously creates a plurality of financial accounts and corresponds to the server.
Step S34, creating the plurality of financial accounts bound to the bank card of the user at the same time according to the financial account login information, where the plurality of financial accounts all log in through the financial account login information.
The financial account login information of each financial account can be set to be consistent, so that the financial accounts can log in through the consistent financial account login information, an account login information common mode is formed, namely, a user can log in all the financial accounts which are simultaneously opened by remembering an account name and a password, and convenience is provided for convenient use of subsequent users.
In order to achieve the above object, the present invention further provides a financial service system for performing an account opening service of a financial account, and referring to fig. 9, in an embodiment, the financial service system includes:
the acquiring module 10 is configured to respond to a financial account opening request of a user, and acquire bank card information and financial account opening information corresponding to the user;
the determining module 20 is configured to determine, according to account opening information of the financial account of the user, a plurality of financial accounts of the user that meet account opening conditions;
a creating module 30 for creating the plurality of financial accounts bound to the bank card of the user at the same time.
In another embodiment, the determining module 20 includes an obtaining unit 21 and a generating unit 22;
the obtaining unit 21 is configured to obtain information of a plurality of financial accounts that the user needs to open according to account opening information of the financial account of the user;
the generating unit 22 is configured to generate a user financial account requirement table according to the information of the plurality of financial accounts to be opened, where the financial account requirement table includes a plurality of financial accounts to be opened by the user;
the creating module 30 is further configured to simultaneously create a plurality of financial accounts corresponding to the user financial account requirement table, where the financial accounts are all bound to the bank card of the user.
In another embodiment, the determining module 20 includes an obtaining unit 21 and a generating unit 22;
the obtaining unit 21 is configured to obtain financial account information that needs to be opened by the user according to account opening information of the financial account of the user;
the generating unit 22 is configured to generate a user financial account requirement table according to the financial account information to be opened, where the financial account requirement table includes the financial account to be opened by the user and at least one financial account of the user that meets the account opening condition;
the creating module 30 is further configured to simultaneously create a plurality of financial accounts corresponding to the user financial account requirement table, where the financial accounts are all bound to the bank card of the user.
In another embodiment, the financial system server further comprises:
the sharing module 40 is configured to share the acquired bank card information corresponding to the user and the acquired account opening information of the financial account with the servers corresponding to the multiple financial accounts, respectively;
the creating module 30 is further configured to create, on the service end corresponding to each of the plurality of financial accounts, a corresponding financial account according to the received bank card information of the user and the account opening information of the financial account.
In a further embodiment, the creation module 30 comprises a determination unit 31 and a creation unit 32;
the sharing module 40 is further configured to share the acquired bank card information, account opening information of the financial account, and authorization information corresponding to the user to the servers corresponding to the multiple financial accounts, respectively.
The judging unit 31 is configured to respectively judge whether the authorization information is received on the service sides corresponding to the plurality of financial accounts; when the authorization information is received at the server, the creating unit 32 is triggered to create a corresponding activated financial account at the server according to the received bank card information of the user and account opening information of the financial account; when the authorization information is not received at the server, the creating unit 32 is triggered to create a corresponding inactive financial account at the server according to the received bank card information of the user and account opening information of the financial account.
In another embodiment, the determining unit 31 may be further configured to determine, when the server does not receive the authorization information, whether the security level of the current server is greater than a preset security threshold on the server; and when the security level of the current service end is greater than a preset security threshold, triggering the creating unit 32 to create a corresponding inactive financial account on the service end according to the received bank card information of the user and the account opening information of the financial account.
In yet another embodiment, the creation module 30 includes:
a login information generating unit 33 for generating financial account login information;
and the creating unit 32 is configured to simultaneously create the plurality of financial accounts bound to the bank card of the user according to the financial account login information, where the plurality of financial accounts are all logged in through the financial account login information.
To achieve the above object, the present invention provides a computer-readable storage medium having stored thereon a computer program which, when executed by a processor, implements the steps of the method for opening an account for a financial account as described above.
In the description herein, references to the description of the term "one embodiment," "another embodiment," or "first through xth embodiments," etc., mean that a particular feature, structure, material, or characteristic described in connection with the embodiment or example is included in at least one embodiment or example of the invention. In this specification, the schematic representations of the terms used above do not necessarily refer to the same embodiment or example. Furthermore, the particular features, structures, materials, method steps, or characteristics described may be combined in any suitable manner in any one or more embodiments or examples.
It should be noted that, in this document, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element.
The above-mentioned serial numbers of the embodiments of the present invention are merely for description and do not represent the merits of the embodiments.
Through the above description of the embodiments, those skilled in the art will clearly understand that the method of the embodiments can be implemented by software plus a necessary general hardware platform, and certainly can also be implemented by hardware, but in many cases, the former is a better embodiment. Based on such understanding, the technical solutions of the present invention may be embodied in the form of a software product, which is stored in a computer-readable storage medium (such as ROM/RAM, magnetic disk, optical disk), and includes instructions for enabling a financial service system (which may be a mobile phone, a computer, a server, an air conditioner, or a network device) to execute the method according to the embodiments of the present invention.
While the present invention has been described with reference to the embodiments shown in the drawings, the present invention is not limited to the embodiments, which are illustrative and not restrictive, and it will be apparent to those skilled in the art that various changes and modifications can be made therein without departing from the spirit and scope of the invention as defined in the appended claims.
Claims (9)
1. A method for opening an account of a financial account, comprising the steps of:
responding to a financial account opening request of a user, and acquiring bank card information corresponding to the user and opening information of a financial account;
determining a plurality of financial accounts of the user, which meet account opening conditions, according to account opening information of the financial accounts of the user, wherein financial account opening standards are stored in a memory in advance, and a processor screens the plurality of financial accounts which meet the account opening conditions according to the account opening information of the financial accounts and the financial account opening standards;
simultaneously creating the plurality of financial accounts bound to the user's bank card;
wherein, before the step of simultaneously creating the plurality of financial accounts bound to the bank card of the user, the method further comprises:
sharing the obtained bank card information corresponding to the user and the account opening information of the financial accounts to the service terminals respectively corresponding to the financial accounts;
the step of simultaneously creating the plurality of financial accounts bound to the user's bank card comprises:
and on the service terminals respectively corresponding to the financial accounts, respectively establishing corresponding financial accounts according to the acquired bank card information corresponding to the user and the account opening information of the financial accounts.
2. The method for opening a financial account according to claim 1, wherein the step of determining a plurality of financial accounts of the user which meet the opening condition according to the opening information of the financial account of the user comprises:
acquiring a plurality of pieces of financial account information required to be opened by the user according to the account opening information of the financial account of the user;
generating a user financial account requirement table according to the information of the plurality of financial accounts needing to be opened, wherein the financial account requirement table comprises the plurality of financial accounts needing to be opened by the user;
the step of simultaneously creating the plurality of financial accounts bound to the user's bank card comprises:
and simultaneously creating a plurality of financial accounts corresponding to the user financial account demand table, wherein the financial accounts are all bound with the bank card of the user.
3. The method for opening a financial account according to claim 1, wherein the step of determining a plurality of financial accounts of the user which meet the opening condition according to the opening information of the financial account of the user comprises:
acquiring financial account information required to be opened by the user according to account opening information of the financial account of the user;
generating a user financial account requirement table according to the financial account information needing to be opened, wherein the financial account requirement table comprises financial accounts needing to be opened by the user and at least one financial account of the user, which meets the account opening condition;
the step of simultaneously creating the plurality of financial accounts bound to the user's bank card comprises:
and simultaneously creating a plurality of financial accounts corresponding to the user financial account demand table, wherein the financial accounts are all bound with the bank card of the user.
4. The method for opening an account of a financial account according to claim 1, wherein the step of sharing the acquired bank card information corresponding to the user and the acquired account opening information of the financial account with the servers respectively corresponding to the plurality of financial accounts comprises:
sharing the obtained bank card information, account opening information of financial accounts and authorization information corresponding to the user to the service terminals respectively corresponding to the financial accounts;
on the service end corresponding to the financial accounts, respectively establishing corresponding financial accounts according to the received bank card information of the user and the account opening information of the financial accounts, wherein the step comprises the following steps:
respectively judging whether the authorization information is received or not on the service terminals respectively corresponding to the plurality of financial accounts;
when the server receives the authorization information, on the server, creating a corresponding activated financial account according to the received bank card information of the user and the account opening information of the financial account;
and when the server side does not receive the authorization information, establishing a corresponding inactivated financial account on the server side according to the received bank card information of the user and the account opening information of the financial account.
5. The method for opening an account according to claim 4, wherein the step of creating a corresponding inactive financial account according to the received bank card information of the user and the account opening information of the financial account on the server when the server does not receive the authorization information comprises:
when the server side does not receive the authorization information, judging whether the security level of the current server side is greater than a preset security threshold value or not on the server side;
and when the security level of the current service end is greater than a preset security threshold value, creating a corresponding inactivated financial account on the service end according to the received bank card information of the user and the account opening information of the financial account.
6. An account opening method for financial accounts as recited in claim 1, wherein the step of simultaneously creating the plurality of financial accounts bound to the user's bank card comprises:
generating financial account login information;
and simultaneously creating the plurality of financial accounts bound with the bank card of the user according to the financial account login information, wherein the plurality of financial accounts are all logged in through the financial account login information.
7. A financial services system end, configured to execute an account opening transaction of a financial account, comprising:
the acquisition module is used for responding to a financial account opening request of a user and acquiring bank card information corresponding to the user and opening information of a financial account;
the determining module is used for determining a plurality of financial accounts of the user, which meet account opening conditions, according to account opening information of the financial accounts of the user, wherein financial account opening standards are stored in a memory in advance, and the processor screens the plurality of financial accounts, which meet the account opening conditions, according to the account opening information of the financial accounts and the financial account opening standards;
a creation module for simultaneously creating the plurality of financial accounts bound to the user's bank card;
wherein, financial service system end still includes:
the sharing module is used for sharing the acquired bank card information corresponding to the user and the acquired account opening information of the financial accounts to the servers respectively corresponding to the financial accounts;
the creation module is further to:
and on the service terminals respectively corresponding to the financial accounts, respectively establishing corresponding financial accounts according to the acquired bank card information corresponding to the user and the account opening information of the financial accounts.
8. A financial service system end is used for executing account opening business of financial accounts and is characterized by comprising a communication module, a processor, a memory and a computer program which is stored on the memory and can run on the processor; the processor, when executing the computer program, performs the steps of the method of opening an account for a financial account as claimed in any one of claims 1 to 6.
9. A computer-readable storage medium, having stored thereon a computer program which, when executed by a processor, carries out the steps of the method of opening an account for a financial account of any one of claims 1 to 6.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201711472837.6A CN108335191B (en) | 2017-12-29 | 2017-12-29 | Financial account opening method, financial service system terminal and computer storage medium |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201711472837.6A CN108335191B (en) | 2017-12-29 | 2017-12-29 | Financial account opening method, financial service system terminal and computer storage medium |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| CN108335191A CN108335191A (en) | 2018-07-27 |
| CN108335191B true CN108335191B (en) | 2020-05-26 |
Family
ID=62923426
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201711472837.6A Active CN108335191B (en) | 2017-12-29 | 2017-12-29 | Financial account opening method, financial service system terminal and computer storage medium |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN108335191B (en) |
Families Citing this family (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN111028076A (en) * | 2019-12-31 | 2020-04-17 | 广东华兴银行股份有限公司 | Bank on-line account opening method and device based on asynchronous processing and storage medium |
| CN111833037A (en) * | 2020-07-01 | 2020-10-27 | 中国建设银行股份有限公司 | Account management method and device |
| CN111833176A (en) * | 2020-07-08 | 2020-10-27 | 北京比财数据科技有限公司 | Financial account opening method, financial account opening device and financial account opening system |
| CN112184411B (en) * | 2020-09-17 | 2024-04-09 | 京东科技控股股份有限公司 | Account processing method and device |
Family Cites Families (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| AU2002327322A1 (en) * | 2001-07-24 | 2003-02-17 | First Usa Bank, N.A. | Multiple account card and transaction routing |
| CN104809613A (en) * | 2015-05-19 | 2015-07-29 | 王小安 | One-card multi-account financial IC (integrated circuit) card |
| CN107464184A (en) * | 2017-07-14 | 2017-12-12 | 深圳市深劳人力资源开发有限公司 | A kind of account opens method and its device |
-
2017
- 2017-12-29 CN CN201711472837.6A patent/CN108335191B/en active Active
Also Published As
| Publication number | Publication date |
|---|---|
| CN108335191A (en) | 2018-07-27 |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN108335191B (en) | Financial account opening method, financial service system terminal and computer storage medium | |
| US11190527B2 (en) | Identity verification and login methods, apparatuses, and computer devices | |
| US11588813B2 (en) | Systems and methods for biometric authentication using existing databases | |
| CN104412272B (en) | User is set to sign in the method, system and equipment of browser | |
| US11989728B2 (en) | Systems and methods for securely transmitting credit card payments | |
| WO2015135399A1 (en) | Device, system, and method for creating virtual credit card | |
| US8595806B1 (en) | Techniques for providing remote computing services | |
| US20140279489A1 (en) | Systems and methods for providing alternative logins for mobile banking | |
| US20160127363A1 (en) | Method and System for Verifying the Identity of a User of an Online Service | |
| WO2015101014A1 (en) | Method, device and system for data processing | |
| JP2015528947A (en) | Method and system for secure communication of personal information | |
| US20150186890A1 (en) | Method, Device And System For Data Processing | |
| US10791104B2 (en) | Systems and methods for authenticating users of a computer system | |
| US20160098791A1 (en) | Method, terminal and system for resetting payment password | |
| US20220150243A1 (en) | Authentication server, and non-transitory storage medium | |
| CN108319864A (en) | A kind of information inspection control method and device | |
| US10958661B2 (en) | Multi-layer authentication system with selective level access control | |
| CN112328996B (en) | Operation authentication method, device, equipment and storage medium based on DCS system | |
| CN105046839A (en) | Assisted Approval of Denied Self-Service Transactions | |
| US20190370404A1 (en) | Methods and systems for providing authenticated one-click access to a customized user interaction-specific web page | |
| CN107786349B (en) | Security management method and device for user account | |
| CN111402069A (en) | Accumulation fund data acquisition method and device, computer equipment and storage medium | |
| US10127376B1 (en) | Graphical password generation | |
| KR101547730B1 (en) | Apparatus and method for managing financial account having two or more secret numbers in an account | |
| US9824235B2 (en) | Web session security techniques |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| GR01 | Patent grant | ||
| GR01 | Patent grant |