CN109034996A - Information processing method, the apparatus and system of bank account are opened up based on two dimensional code - Google Patents
Information processing method, the apparatus and system of bank account are opened up based on two dimensional code Download PDFInfo
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- CN109034996A CN109034996A CN201810580479.9A CN201810580479A CN109034996A CN 109034996 A CN109034996 A CN 109034996A CN 201810580479 A CN201810580479 A CN 201810580479A CN 109034996 A CN109034996 A CN 109034996A
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- 230000010365 information processing Effects 0.000 title claims abstract description 30
- 238000003672 processing method Methods 0.000 title claims abstract description 15
- 238000004519 manufacturing process Methods 0.000 claims abstract description 26
- 238000000034 method Methods 0.000 claims description 12
- 230000005540 biological transmission Effects 0.000 claims description 3
- 238000012795 verification Methods 0.000 claims description 3
- BQCADISMDOOEFD-UHFFFAOYSA-N Silver Chemical compound [Ag] BQCADISMDOOEFD-UHFFFAOYSA-N 0.000 description 2
- 229910052709 silver Inorganic materials 0.000 description 2
- 239000004332 silver Substances 0.000 description 2
- 238000013475 authorization Methods 0.000 description 1
- 238000012790 confirmation Methods 0.000 description 1
- 230000000694 effects Effects 0.000 description 1
- 230000002452 interceptive effect Effects 0.000 description 1
- 238000012856 packing Methods 0.000 description 1
- 230000000717 retained effect Effects 0.000 description 1
- 230000009897 systematic effect Effects 0.000 description 1
- 230000002123 temporal effect Effects 0.000 description 1
- 238000012546 transfer Methods 0.000 description 1
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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
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
- G06K17/00—Methods or arrangements for effecting co-operative working between equipments covered by two or more of main groups G06K1/00 - G06K15/00, e.g. automatic card files incorporating conveying and reading operations
- G06K17/0022—Methods or arrangements for effecting co-operative working between equipments covered by two or more of main groups G06K1/00 - G06K15/00, e.g. automatic card files incorporating conveying and reading operations arrangements or provisions for transferring data to distant stations, e.g. from a sensing device
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Abstract
The present invention provides a kind of information processing method, apparatus and system that bank account is opened up based on two dimensional code, which comprises obtains the essential information and business information of user;The two dimensional code of multiple and different types is generated according to the essential information and the business information;The two dimensional code of generation is sent to enterprise terminal, so that the enterprise terminal scans the two dimensional code, obtain the essential information and the business information, and the essential information and the business information are sent to banking system and carry out account foundation, and be sent to clip making machine and complete fabrication, to improve the efficiency to open a bank account.
Description
Technical field
The present invention relates to technical field of information processing more particularly to a kind of opened up at the information of bank account based on two dimensional code
Manage method, apparatus and system.
Background technique
Individual needs bank scene to open an account when bank opens an account at present, the numerous length of process, the file mistake filled in
Mostly and bank clerk is needed to carry out instructing to fill in, the required original parts such as important documentary evidence, seal that carry are excessively valuable, these
File may have the risk lost, in short, the low efficiency for making bank open an account.
Summary of the invention
The present invention provides a kind of information processing method, apparatus and system that bank account is opened up based on two dimensional code, for solving
The low problem of the certainly existing working efficiency for opening up bank account.
In a first aspect, the embodiment of the present invention provides a kind of information processing method that bank account is opened up based on two dimensional code, packet
It includes:
Obtain the essential information and business information of user;
The two dimensional code of multiple and different types is generated according to the essential information and the business information;
The two dimensional code of generation is sent to enterprise terminal, so that the enterprise terminal scans the two dimensional code, is obtained
The essential information and the business information, and the essential information and the business information are sent to banking system and carry out account
Family is established, and is sent to clip making machine and is completed fabrication.
Optionally, further includes: in the two dimension for generating multiple and different types according to the essential information and the business information
After code, the recognition code of two dimensional code for identification is generated, and the two dimensional code and the recognition code are sent to the enterprise
Terminal.
Second aspect, the embodiment of the present invention provide a kind of information processing method that bank account is opened up based on two dimensional code, packet
It includes:
Receive the two dimensional code for multiple and different types that user terminal is sent;
The two dimensional code is scanned and recognized, the essential information and business information of user are obtained;
The essential information and the business information are sent to banking system and carry out account foundation, and is sent to fabrication
Machine completes fabrication.
Optionally, further includes: before the essential information and the business information are sent to banking system, scene is adopted
The face characteristic for collecting user, and is authenticated with the face characteristic in the essential information, after authenticate successfully by essential information with
The business information is sent to banking system and carries out account foundation.
The third aspect, the embodiment of the present invention provide a kind of information processing unit that bank account is opened up based on two dimensional code, packet
It includes:
Module is obtained, for obtaining the essential information and business information of user;
Two-dimensional code generation module, for generating the two of multiple and different types according to the essential information and the business information
Tie up code;
Sending module, for the two dimensional code generated to be sent to enterprise terminal, so that the enterprise terminal scans institute
Two dimensional code is stated, obtains the essential information and the business information, and the essential information and the business information are sent to
Banking system carries out account foundation, and is sent to clip making machine and completes fabrication.
Optionally, further includes:
Encrypting module, in the two dimensional code for generating multiple and different types according to the essential information and the business information
Afterwards, the recognition code of two dimensional code for identification is generated.
Fourth aspect, the embodiment of the present invention provide a kind of information processing unit that bank account is opened up based on two dimensional code, packet
It includes:
Receiving module, the two dimensional code of multiple and different types for receiving user terminal transmission;
Identification module obtains the essential information and business information of user for scanning and recognizing to the two dimensional code;
Module is established, carries out account foundation for the essential information and the business information to be sent to banking system,
And it is sent to clip making machine and completes fabrication.
Optionally, further includes:
On-site verification module, for showing before the essential information and the business information are sent to banking system
The face characteristic of field acquisition user, and authenticated with the face characteristic in the essential information.
5th aspect, the embodiment of the present invention provide a kind of information processing system that bank account is opened up based on two dimensional code, wrap
Include user terminal and enterprise terminal, in which:
The user terminal is used for:
The essential information and business information for obtaining user, it is multiple not according to the essential information and business information generation
The two dimensional code of same type, and the two dimensional code of generation is sent to the enterprise terminal;
The enterprise terminal is used for:
The two dimensional code for receiving multiple and different types that user terminal is sent, scans and recognizes the two dimensional code, obtains
The essential information and business information of user, and the essential information and the business information are sent to banking system and carry out account
It establishes, and is sent to clip making machine and completes fabrication.
Optionally, the enterprise terminal is also used to: for the essential information and the business information to be sent to silver
Before row system, the face characteristic of collection in worksite user, and authenticated with the face characteristic in the essential information.
As shown from the above technical solution, a kind of information opening up bank account based on two dimensional code provided in an embodiment of the present invention
Processing method, apparatus and system, by obtaining the essential information and business information of user, according to the essential information and the industry
Business information generates the two dimensional code of multiple and different types, the two dimensional code of generation is sent to enterprise terminal, so that the enterprise
Terminal scans the two dimensional code, obtains the essential information and the business information, and by the essential information and the business
Information is sent to banking system and carries out account foundation, and is sent to clip making machine and completes fabrication, to improve the effect to open a bank account
Rate.
Detailed description of the invention
Fig. 1 is that the process for the information processing method for opening up bank account based on two dimensional code that one embodiment of the invention provides is shown
It is intended to;
Fig. 2 is that the process for the information processing method for opening up bank account based on two dimensional code that one embodiment of the invention provides is shown
It is intended to;
Fig. 3 is that the structure for the information processing unit for opening up bank account based on two dimensional code that one embodiment of the invention provides is shown
It is intended to;
Fig. 4 is that the structure for the information processing unit for opening up bank account based on two dimensional code that one embodiment of the invention provides is shown
It is intended to;
Fig. 5 is that the structure for the information processing system for opening up bank account based on two dimensional code that one embodiment of the invention provides is shown
It is intended to.
Specific embodiment
With reference to the accompanying drawings and examples, specific embodiments of the present invention will be described in further detail.Implement below
Example is not intended to limit the scope of the invention for illustrating the present invention.
Fig. 1 is shown one embodiment of the invention and provides a kind of information processing method for being opened up bank account based on two dimensional code,
Include:
S11, the essential information and business information for obtaining user;
S12, the two dimensional code that multiple and different types are generated according to the essential information and the business information;
S13, the two dimensional code of generation is sent to enterprise terminal, so that the enterprise terminal scans the two dimensional code,
Obtain the essential information and the business information, and by the essential information and the business information be sent to banking system into
Row account is established, and is sent to clip making machine and is completed fabrication.
For above-mentioned steps S11- step S13, it should be noted that in embodiments of the present invention, user terminal can be intelligence
The equipment such as energy mobile phone, tablet computer, laptop.Can download that corresponding bank developed first on the subscriber terminal using soft
Part.After downloading, user can register on the subscriber terminal, in order to the subsequent login application.
In embodiments of the present invention, the essential information of user can include: ID card information, working condition, is lived at the date of birth
Location, contact method, human face image information, ID Card Image information etc..The essential information of user is and does at present at bank scene
Manage the information opened an account on list filled in of opening an account.
In embodiments of the present invention, the business information of user includes: e-bank, Mobile banking, short message prompting, phone silver
Transfer accounts function, small amount of row, fingerprint payment, mobile phone certificate, online payment, self-service device is exempted from close to exempt from label function, electronic cash account
The business such as 1000 or less limit is adjustable, daily trading limit, day payment stroke count, year trading limit etc..That is, the business of user
Information is service business set by the bank that is opened according to user intention oneself.
User when first used, is first registered with cell-phone number, fills in ID card information, the date of birth, working condition, lives
Location, contact method, occupational information, tax information, reservation information etc..After filling in, user triggers confirming button.The user is whole
End can get added information.User terminal verifies cell-phone number and mobile network supplier registration information, confirmation
It is consistent with the contained content of ID card information.At this point, can be by cell-phone number real-name authentication, after succeeding in registration in login user terminal
Application.In addition, real-name authentication directly can also be carried out with ID card No., the application in login user terminal is registered.
The identity card picture that user is shot using the shooting function dynamic of user terminal, with public security identification system pair
It connects, verifies ID card information, while verifying identity document validity period, expired person can refuse automatically with the authentication information.
Using user terminal shooting function can also dynamic family for shooting biological recognition of face information, be living body with determination
And image feature value is retained into image with public security system and is compared, the subsequent operation in user terminal can be carried out after.
In embodiments of the present invention, user terminal has two dimensional code systematic function.It can be according to the essential information and industry of user
Information of being engaged in generates different types of two dimensional code.In the present embodiment, the type of two dimensional code may include auth type, time type,
Type of service etc..I.e. in embodiments of the present invention, it needs to generate multiple two dimensional codes according to the essential information and business information of user,
The information of user is subjected to two dimensional code packing, avoiding a two dimensional code includes all information, causes two dimensional code identification difficult.
In embodiments of the present invention, signature two dimensional code is generated using face characteristic.The signature two dimensional code is a kind of certification class
The two dimensional code of type.
In embodiments of the present invention, the generation of the information such as customer name, passport NO., certificate validity period, inhabitation address is recognized
Demonstrate,prove two dimensional code.
In embodiments of the present invention, reservation place (bank address) and subscription time are generated into reservation two dimensional code, the reservation
Two dimensional code is a kind of two dimensional code of time type.
In embodiments of the present invention, the relevant business two dimensional code of one or more business is produced according to business information.
After all information generates two dimensional code, a recognition code can be arranged by the trigger action of user in user terminal,
When the recognition code is scanned two dimensional code for enterprise terminal, for obtaining the information in two dimensional code.
In embodiments of the present invention, user terminal can be by user in non-banking scene (as in family, in company) operation, finally
Generate required two dimensional code of opening an account.Then user can carry user terminal and handle the business of opening an account at reservation bank.
Enterprise terminal can be terminal device entrained by bank clerk.Staff registration can by oneself information into
Row registration logs in.
In embodiments of the present invention, staff can be such that enterprise terminal directly carries out to the two dimensional code shown on user terminal
Scanning obtains the information on two dimensional code.Connection can also be established to enterprise terminal from user terminal and be wirelessly sent to enterprise terminal, look forward to
Industry terminal is scanned again.In embodiments of the present invention, the interactive relation between two terminals is described for convenience, is described as user
Terminal sends two dimensional code to enterprise terminal.
In embodiments of the present invention, the exhibition method of two dimensional code is the mode of variable two-dimension code, i.e., all two dimensional codes can be by
One accidental enciphering temporal frequency value is rolled, and enterprise terminal is scanned to read the information on two dimensional code.At this point, enterprise
The essential information (such as customer manager numbers) of staff can be carried out corresponding binding with the information on two dimensional code by terminal, to reach
The purpose of achievement is included in for staff.
In embodiments of the present invention, enterprise terminal can also include PC computer equipment operated by staff on sales counter.
Because needing sales counter staff to be operated determined authorized order on the terminal device when bank opens up account.Therefore,
The two-dimensional barcode information that the enterprise terminal that achievement staff is held can will identify that is sent to what sales counter staff was held
On enterprise terminal, in order to sales counter, staff is authorized.
After authorization, enterprise terminal can send information to clip making machine, complete fabrication.Meanwhile it can also be built in banking system
It opens an account with the storage at family.
The non-bank that comes in person, which establishes, in order to prevent opens an account, and the essential information and the business information are being sent to bank
Before system, the face characteristic of collection in worksite user, and authenticated with the face characteristic in the essential information, it authenticates successfully
Essential information and the business information are sent to banking system afterwards and carry out account foundation.
A kind of information processing method opening up bank account based on two dimensional code provided in an embodiment of the present invention, obtains user's
Essential information and business information generate the two dimensional code of multiple and different types according to the essential information and the business information, will
The two dimensional code generated is sent to enterprise terminal, so that the enterprise terminal scans the two dimensional code, obtains the basic letter
Breath and the business information, and the essential information and the business information are sent to banking system and carry out account foundation, with
And be sent to clip making machine and complete fabrication, to improve the efficiency to open a bank account.
Fig. 2 shows one embodiment of the invention to provide a kind of information processing method that bank account is opened up based on two dimensional code,
Include:
S21, the two dimensional code for receiving multiple and different types that user terminal is sent;
S22, the two dimensional code is scanned and recognized, obtains the essential information and business information of user;
S23, the essential information and the business information are sent to banking system progress account foundation, and are sent to
Clip making machine completes fabrication.
For above-mentioned steps S21- step S23, it should be noted that in embodiments of the present invention, the execution of the scheme
Main body is enterprise terminal.Since operation performed by enterprise terminal being described in detail in the above-described embodiments, therefore herein
It repeats no more.
It is whole to receive user for a kind of information processing method opening up bank account based on two dimensional code provided in an embodiment of the present invention
The two dimensional code for holding the multiple and different types sent, scans and recognizes the two dimensional code, obtains the essential information and industry of user
The essential information and the business information are sent to banking system and carry out account foundation, and be sent to fabrication by business information
Machine completes fabrication, to improve the efficiency to open a bank account.
Fig. 3 is shown one embodiment of the invention and provides a kind of information processing unit for being opened up bank account based on two dimensional code,
Including obtaining module 31, two-dimensional code generation module 32 and sending module 33, in which:
Module 31 is obtained, for obtaining the essential information and business information of user;
Two-dimensional code generation module 32, for generating multiple and different types according to the essential information and the business information
Two dimensional code;
Sending module 33, for the two dimensional code generated to be sent to enterprise terminal, so that the enterprise terminal scans
The two dimensional code obtains the essential information and the business information, and the essential information and the business information is sent
Account foundation is carried out to banking system, and is sent to clip making machine and completes fabrication.
Further include: encrypting module, for generating multiple and different types according to the essential information and the business information
Two dimensional code after, generate the recognition code of two dimensional code for identification.
Since described device of the embodiment of the present invention is identical as the principle of above-described embodiment the method, for more detailed
Explain that details are not described herein for content.
It should be noted that can be by hardware processor (hardware processor) come real in the embodiment of the present invention
Existing related function module.
A kind of information processing unit opening up bank account based on two dimensional code provided in an embodiment of the present invention, obtains user's
Essential information and business information generate the two dimensional code of multiple and different types according to the essential information and the business information, will
The two dimensional code generated is sent to enterprise terminal, so that the enterprise terminal scans the two dimensional code, obtains the basic letter
Breath and the business information, and the essential information and the business information are sent to banking system and carry out account foundation, with
And be sent to clip making machine and complete fabrication, to improve the efficiency to open a bank account.
Fig. 4 is shown one embodiment of the invention and provides a kind of information processing unit for being opened up bank account based on two dimensional code,
Including receiving module 41, identification module 42 and establish module 43, in which:
Receiving module 41, the two dimensional code of multiple and different types for receiving user terminal transmission;
Identification module 42 obtains the essential information and business information of user for scanning and recognizing to the two dimensional code;
Module 43 is established, is built for the essential information and the business information to be sent to banking system progress account
It is vertical, and be sent to clip making machine and complete fabrication.
Further include: on-site verification module, for the essential information and the business information to be sent to banking system
Before, the face characteristic of collection in worksite user, and authenticated with the face characteristic in the essential information.
It is whole to receive user for a kind of information processing unit opening up bank account based on two dimensional code provided in an embodiment of the present invention
The two dimensional code for holding the multiple and different types sent, scans and recognizes the two dimensional code, obtains the essential information and industry of user
The essential information and the business information are sent to banking system and carry out account foundation, and be sent to fabrication by business information
Machine completes fabrication, to improve the efficiency to open a bank account.
Fig. 5 is shown one embodiment of the invention and provides a kind of information processing system for being opened up bank account based on two dimensional code,
Including user terminal 51 and enterprise terminal 52, in which:
The user terminal is used for:
The essential information and business information for obtaining user, it is multiple not according to the essential information and business information generation
The two dimensional code of same type, and the two dimensional code of generation is sent to the enterprise terminal;
The enterprise terminal is used for:
The two dimensional code for receiving multiple and different types that user terminal is sent, scans and recognizes the two dimensional code, obtains
The essential information and business information of user, and the essential information and the business information are sent to banking system 53 and carry out account
Family is established, and is sent to clip making machine 54 and is completed fabrication.
The enterprise terminal is also used to: for by the essential information and the business information be sent to banking system it
Before, the face characteristic of collection in worksite user, and authenticated with the face characteristic in the essential information.
A kind of information processing system being opened up bank account based on two dimensional code provided in an embodiment of the present invention, user terminal are obtained
The essential information and business information for taking family generate the two of multiple and different types according to the essential information and the business information
Code is tieed up, the two dimensional code of generation is sent to enterprise terminal, enterprise terminal scans the two dimensional code, obtains the essential information
With the business information, and by the essential information and the business information be sent to banking system carry out account foundation, and
It is sent to clip making machine and completes fabrication, to improve the efficiency to open a bank account.
In addition, it will be appreciated by those of skill in the art that although some embodiments described herein include other embodiments
In included certain features rather than other feature, but the combination of the feature of different embodiments mean it is of the invention
Within the scope of and form different embodiments.For example, in the following claims, embodiment claimed is appointed
Meaning one of can in any combination mode come using.
It should be noted that the above-mentioned embodiments illustrate rather than limit the invention, and ability
Field technique personnel can be designed alternative embodiment without departing from the scope of the appended claims.In the claims,
Any reference symbol between parentheses should not be configured to limitations on claims.Word "comprising" does not exclude the presence of not
Element or step listed in the claims.Word "a" or "an" located in front of the element does not exclude the presence of multiple such
Element.The present invention can be by means of including the hardware of several different elements and being come by means of properly programmed computer real
It is existing.In the unit claims listing several devices, several in these devices can be through the same hardware branch
To embody.The use of word first, second, and third does not indicate any sequence.These words can be explained and be run after fame
Claim.
Those of ordinary skill in the art will appreciate that: the above embodiments are only used to illustrate the technical solution of the present invention., and
It is non-that it is limited;Although present invention has been described in detail with reference to the aforementioned embodiments, those skilled in the art
It is understood that it is still possible to modify the technical solutions described in the foregoing embodiments, either to part of or
All technical features are equivalently replaced;And these are modified or replaceed, it does not separate the essence of the corresponding technical solution this hair
Bright claim limited range.
Claims (10)
1. a kind of information processing method for opening up bank account based on two dimensional code characterized by comprising
Obtain the essential information and business information of user;
The two dimensional code of multiple and different types is generated according to the essential information and the business information;
The two dimensional code of generation is sent to enterprise terminal, so that the enterprise terminal scans the two dimensional code, described in acquisition
Essential information and the business information, and the essential information and the business information are sent to banking system progress account and built
It is vertical, and be sent to clip making machine and complete fabrication.
2. the method according to claim 1, wherein further include: according to the essential information and the business
After information generates the two dimensional code of multiple and different types, generate the recognition code of two dimensional code for identification, and by the two dimensional code and
The recognition code is sent to the enterprise terminal.
3. a kind of information processing method for opening up bank account based on two dimensional code characterized by comprising
Receive the two dimensional code for multiple and different types that user terminal is sent;
The two dimensional code is scanned and recognized, the essential information and business information of user are obtained;
The essential information and the business information are sent to banking system and carry out account foundation, and to be sent to clip making machine complete
At fabrication.
4. according to the method described in claim 3, it is characterized by further comprising: believing by the essential information and the business
Breath is sent to before banking system, the face characteristic of collection in worksite user, and is carried out with the face characteristic in the essential information
Essential information and the business information are sent to banking system after authenticating successfully and carry out account foundation by certification.
5. a kind of information processing unit for opening up bank account based on two dimensional code characterized by comprising
Module is obtained, for obtaining the essential information and business information of user;
Two-dimensional code generation module, for generating the two dimension of multiple and different types according to the essential information and the business information
Code;
Sending module, for the two dimensional code generated to be sent to enterprise terminal, so that enterprise terminal scanning described two
Code is tieed up, obtains the essential information and the business information, and the essential information and the business information are sent to bank
System carries out account foundation, and is sent to clip making machine and completes fabrication.
6. device according to claim 5, which is characterized in that further include:
Encrypting module, for after generating the two dimensional code of multiple and different types according to the essential information and the business information,
Generate the recognition code of two dimensional code for identification.
7. a kind of information processing unit for opening up bank account based on two dimensional code characterized by comprising
Receiving module, the two dimensional code of multiple and different types for receiving user terminal transmission;
Identification module obtains the essential information and business information of user for scanning and recognizing to the two dimensional code;
Module is established, carries out account foundation for the essential information and the business information to be sent to banking system, and
It is sent to clip making machine and completes fabrication.
8. device according to claim 7, which is characterized in that further include:
On-site verification module, for before the essential information and the business information are sent to banking system, scene to be adopted
Collect the face characteristic of user, and is authenticated with the face characteristic in the essential information.
9. a kind of information processing system for opening up bank account based on two dimensional code, which is characterized in that including user terminal and enterprise
Terminal, in which:
The user terminal is used for:
The essential information and business information for obtaining user generate multiple and different classes according to the essential information and the business information
The two dimensional code of type, and the two dimensional code of generation is sent to the enterprise terminal;
The enterprise terminal is used for:
The two dimensional code for receiving multiple and different types that user terminal is sent, scans and recognizes the two dimensional code, obtains user
Essential information and business information, and by the essential information and the business information be sent to banking system carry out account build
It is vertical, and be sent to clip making machine and complete fabrication.
10. system according to claim 9, which is characterized in that the enterprise terminal is also used to: for will it is described substantially
Information and the business information are sent to before banking system, the face characteristic of collection in worksite user, and with the essential information
In face characteristic authenticated.
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Cited By (1)
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US11151845B1 (en) | 2021-02-09 | 2021-10-19 | Wells Fargo Bank, N.A. | Computer-based system for provisioning new accounts using location-based authentication |
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