CN109949027A - A kind of marketing of bank management method based on wechat small routine - Google Patents
A kind of marketing of bank management method based on wechat small routine Download PDFInfo
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- CN109949027A CN109949027A CN201910203705.6A CN201910203705A CN109949027A CN 109949027 A CN109949027 A CN 109949027A CN 201910203705 A CN201910203705 A CN 201910203705A CN 109949027 A CN109949027 A CN 109949027A
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Abstract
The present invention provides a kind of marketing of bank management methods based on wechat small routine, comprising the following steps: the acquisition of S1, customer's identity card information save and itself verification of client;S2, the acquisition of client's face information and its official's verification with customer's identity card information;The acquisition and audit of the bank card information of S3, client;S4, the certification of customer authentication code information and customer trading accounts open up;S5, the acquisition of customer purchase information and client's fund payment;S6, it opens up customer deposit account and saves client trading information;This safety for ensuring customer information by triple authentication method based on the marketing of bank management method of wechat small routine, marketing system client is arranged on the mobile apparatus in the form of wechat small routine, client only needs the upload for carrying out information and confirms to buy on the line that can complete deposit product, client's time is saved, it is very convenient.
Description
Technical field
The present invention relates to marketing management technical field more particularly to a kind of marketing of bank managers based on wechat small routine
Method.
Background technique
With the continuous development of science and technology, nowadays people can complete many consumption tasks by mobile terminal, or even have
A little clients want to the purchase of the completion cash in banks product to stay indoors, avoid being lined up in physical branch and go through the formalities.But
It is due to clients fund, customer information and the considerations of to network security, the previous client must arrive physical branch
Carry out such consumption, if it is desired to allow client to realize and buy on the line of cash in banks product, then inventing a set of marketing management side
Method is necessary.
Summary of the invention
Goal of the invention.
The technical problem to be solved by the present invention is in order to solve the problems, such as to buy cash in banks product, this hair on Client line
It is bright to provide a kind of marketing of bank management method based on wechat small routine to solve the above problems.
The technical solution adopted in the present invention.
The technical solution adopted by the present invention to solve the technical problems is: a kind of marketing of bank pipe based on wechat small routine
Reason method, comprising the following steps:
S1, marketing system client obtain account opening request and send it to marketing system server, the marketing system service
Device requests to marketing system client transmission authentification of message and client is required to upload identity card front and back sides picture, the marketing
System client automatically generates customer number after obtaining identity card front and back sides picture, then by identity card front and back sides picture
It is uploaded to the marketing system server with customer number, the marketing system server identifies identity card front and back sides figure
Name, gender, nationality, address, citizen ID certificate number and the term of validity of on piece, client's first information is stored to database
Table one in and client's first information be back to the marketing system client verified for client, the client first believes
Breath includes the customer number, name, citizen ID certificate number, gender, nationality, address, term of validity and state;
There is provided if the marketing system client receives the verification result of information errors corrigendum interface come obtain corrigendum after
Client's first information, then client's first information after corrigendum is uploaded to the marketing system server, the battalion
Pin system server updates the table one of the database according to client's first information after corrigendum, if the marketing system
Client receives information and correctly verifies as a result, the verification result is sent to the marketing system by the marketing system client
State in the table one of the database is set as 1 by system server, the marketing system server.
S2, the marketing system server send face core body certification request to the marketing system client and require visitor
Family upload one section include client's face video, the marketing system client obtains the video and client after the video
Number is sent to the marketing system server, and the marketing system server judges whether the client in the video is living
Body, if not living body, the marketing system server then to the marketing system client feedback face core body authentification failure,
If it is living body, the marketing system server extracts mug shot and according to the customer number in the data in video
Inquire the name and citizen ID certificate number in the table one in library, and by client's photo, name and citizen ID certificate number
It is sent in public security identity network verification system and is verified;
The public security identity network verification system is returned to the marketing system server and is verified as a result, if the verification result
Inconsistent, the marketing system server is to the marketing system client feedback face core body authentification failure, if the core
The fruit that comes to an end is consistent, and the state in the table one of the database is then changed to 2, i.e. face core body by 1 by the marketing system server
It authenticates successfully.
S3, the marketing system server request to marketing system client transmission bank authentication and require client
Bank card number and reserved cell-phone number are uploaded, after the marketing system client obtains the bank card number and reserved cell-phone number
The customer number, bank card number and reserved cell-phone number are sent to the marketing system server, the marketing system clothes
Business device obtains customer name, identification card number and binding cell-phone number according to the bank card number in people's row payment system, described
Marketing system server is by the name and citizen's body in the table one of the customer name and identification card number and the database
Part card number comparison, the binding cell-phone number and the reserved cell-phone number are compared, and if there is inconsistent, the marketing is
System server will fail to the marketing system client feedback bank authentication, if all consistent, the marketing system service
Device then sends identifying code to the reserved cell-phone number, while the second information of client being stored in the table two of the database, described
The second information of client includes customer number, reserved cell-phone number, identifying code, verifying application time and verifying effective time;
The marketing system client obtains externally input customer authentication code and sends out the customer number and customer authentication code
It send to the marketing system server, the marketing system server is according to the customer number in the table two of the database
It searches the identifying code, verifying application time and verifying effective time, the marketing system server and judges the customer authentication
Whether code is consistent with identifying code, continues to judge whether the verifying application time adds the verifying effective time if consistent
Greater than the current time of system, if it is current greater than system plus the verifying effective time to meet the verifying application time
Client's third information is stored in the table three of the database, client's third information by time, the marketing system server
Including customer number, bank card number and binding time, the binding time is the current time of system.
If the customer authentication code and the identifying code are inconsistent or the customer authentication code is consistent with the identifying code
But the verifying application time is not more than the current time of system, the marketing system server plus the verifying effective time
Fail to the marketing system client feedback bank authentication;
S4, the marketing system server inquire the name, public affairs in the table one of the database according to the customer number
People's ID card No., gender, nationality, address and term of validity, then by the name, citizen ID certificate number, gender, nationality,
Address, term of validity, current time and trading password are sent to row inner core billing and accounting system, and the row inner core billing and accounting system is opened
Vertical two class accounts simultaneously return to two class account numbers to the marketing system server, and the marketing system server is by client the 4th
Information is stored in the table four of the database and the state in the table of the database one is changed to 3 by 2, then to the battalion
Pin system client feedback verifying complete, the 4th information of client include the customer number, two class account numbers, transaction it is close
Code and account creation time, the account creation time are the current time of system;
S5, the marketing system client obtain client and buy request and the first Transaction Information and send out first Transaction Information
It send to the marketing system server, first Transaction Information includes the customer number, product number, transaction amount and friendship
Easy password;
The marketing system server searches the name and citizen in the table one of the database according to the customer number
ID card No. searches core product code according to the product number, according to the client in the table five of the database
Number the two classes account number is searched in the table four of the database, according to the customer number the database table
The bank card number is searched in three;
Second Transaction Information is sent to people's row payment system and carries out transfer services by the marketing system server, and described second hands over
Easy information includes the bank card number, two class account numbers, transaction amount and name, and the return of people's row payment system is paid successfully
Message to marketing system server;
Third Transaction Information is sent to row inner core billing and accounting system, the third transaction letter by S6, the marketing system server
Breath includes that the core product code, two class account numbers, transaction amount, name, citizen ID certificate number and system work as the day before yesterday
Phase, the row inner core billing and accounting system according to the third Transaction Information open Deposit Account Number and will deposit result, Deposit Account Number,
Value date and expiry date for interest return to the marketing system server, and client trading information is stored in by the marketing system server
The table six of the database, the client trading information include the customer number, name, deposit account number, transaction amount, carry interest
Day, expiry date for interest and transaction creation time, the transaction creation time are the current time of system.
Preferably, being stored with table one, table two, table three, table four, table five and table six in the database, table one includes visitor
Family number, name, citizen ID certificate number, gender, nationality, address, term of validity and state, table two include customer number, hand
Machine number, identifying code, verifying application time and verifying effective time, table three include customer number, bank card number and binding time,
Table four includes the customer number, two class account numbers, trading password and account creation time, and table five is compiled including the product
Number, name of product, core product code and product creation time, table six includes the customer number, name, deposit account number, hands over
The easy amount of money, value date, expiry date for interest and transaction creation time.
Technical effect caused by the present invention.
The invention has the advantages that this marketing of bank management method based on wechat small routine first passes through triple-authentication
Method ensures the safety and accuracy of customer information, then opens up two class accounts auxiliary client and buy deposit product, marketing system
In the mobile device that client is arranged in the form of wechat small routine in client, client only need to carry out information upload and really
Recognize on the line that can complete deposit product and buy, saves client's time, it is very convenient.
Detailed description of the invention
Fig. 1 is a kind of system structure of the marketing of bank management method optimum embodiment based on wechat small routine of the present invention
Figure.
Fig. 2 is a kind of flow chart of the marketing of bank management method optimum embodiment based on wechat small routine of the present invention.
Fig. 3 is a kind of authentification of message of the marketing of bank management method optimum embodiment based on wechat small routine of the present invention
Flow chart.
Fig. 4 is that a kind of face core body of the marketing of bank management method optimum embodiment based on wechat small routine of the present invention is recognized
The flow chart of card.
Fig. 5 is a kind of bank authentication of the marketing of bank management method optimum embodiment based on wechat small routine of the present invention
Partial process view.
Fig. 6 is a kind of bank authentication of the marketing of bank management method optimum embodiment based on wechat small routine of the present invention
Partial process view.
Fig. 7 is a kind of deposit product purchase of marketing of bank management method optimum embodiment based on wechat small routine of the present invention
The partial process view bought.
Fig. 8 is a kind of deposit product purchase of marketing of bank management method optimum embodiment based on wechat small routine of the present invention
The partial process view bought.
Description of symbols.
Specific embodiment
As shown in Figure 1, being the system construction drawing for realizing the marketing of bank management method based on wechat small routine, comprising: battalion
Pin system client, firewall, marketing system server, database, public security identity network verification system, row inner core account system
System and people's row payment system.Marketing system client is present on mobile terminal in a manner of wechat small routine and by mobile whole
End is connect with internet, and mobile terminal includes but is not limited to the iPhone series mobile phone of Apple Inc.'s production, ipad series plate
Computer, Galaxy series mobile phone of Samsung's production etc..Public security identity network verification system is present in the end public security system PC
On, it is stored with citizen's photo, name, citizen ID certificate number, gender, name race, address and validity date.Marketing system service
Device, database, people's row payment system and row inner core billing and accounting system are present on the end banking system PC.Firewall is arranged on
The safety of internal network is protected between marketing system server and internet.
Marketing system server is stored with the bank of client for responding service request and processing data, people's row payment system
Card number, name, citizen ID certificate number and binding cell-phone number, for carrying out money transfer transactions, row inner core billing and accounting system can be used to stand
Two class accounts and Deposit Account Number, database are used for the storage of data.Table one, table two, table three, table four, table are stored in database
Five and table six, table one includes customer number, name, citizen ID certificate number, gender, nationality, address, term of validity and state,
Table two includes customer number, cell-phone number, identifying code, verifying application time and verifying effective time, and table three includes customer number, silver
Row card card number and binding time, table four include customer number, two class account numbers, trading password and account creation time, table five
Including product number, name of product, core product code and product creation time, table six includes customer number, name, deposit account
Number, transaction amount, value date, expiry date for interest and transaction creation time.
Based on system above, a kind of embodiment of marketing of bank management method based on wechat small routine is provided, such as Fig. 2 ~ 8
It is shown, comprising the following steps:
S1, client log in wechat small routine marketing system client using mobile terminal and open an account to marketing system server initiation
Request, marketing system server are requested to marketing system client transmission authentification of message after receiving account opening request and are required on client
Identity card front and back sides picture is passed, client uploads identity card front and back sides picture, marketing system client in marketing system client
It automatically generates and identity card front and back sides picture and customer number is sent to marketing system server after customer number.
Marketing system server receives identity card front and back sides picture and customer number, identifies and comes from image recognition technology
Name, gender, nationality, address, citizen ID certificate number and term of validity on part card front and back sides picture, marketing system server
Client's first information is stored into the table one of database and whether just to return to marketing system client for client's verification message
Really, client's first information includes customer number, name, citizen ID certificate number, gender, nationality, address, term of validity and shape
State.
If client has found that client's first information is wrong, client can correct client first by marketing system client and believe
Cease and return it to marketing system server, table of the marketing system server further according to client's first information more new database
One, without change if client's first information is errorless, the state in the table one of database is set as 1 by marketing system server,
That is authentification of message success.
After S2, client's the first customer information of verification are errorless, marketing system server sends face to marketing system client
Core body certification request simultaneously requires client to record one section of video with client's face and upload.Client records view using mobile terminal
After frequency, video and customer number are sent to marketing system server by marketing system client.
Marketing system server receives video and customer number, analyzes video by face core body In vivo detection technology,
Judge whether the client in video is living body.If not living body then face core body authentification failure, if it is confirmed that be living body, marketing
System server inquires name corresponding with customer number and citizen ID certificate further according to customer number in the table one of database
Number.
Marketing system server clearly mug shot and inquires in the table one of database extract in video one
To name and citizen ID certificate number be sent to public security networking identity verification system, marketing system server receive public security networking
The verification result that identity verification system returns.If verified, result is inconsistent, and marketing system server is to marketing system client
Face core body authentification failure is fed back, if it is consistent to verify result, by the state in the table one of database if marketing system server
2 are changed to by 1, i.e. face core body authenticates successfully.
After S3, the certification of face core body pass through, marketing system server, which initiates bank authentication to marketing system client, is asked
The bank card number and reserved cell-phone number of client are asked and require to obtain, client is inputted using mobile terminal in marketing system client
The bank card number and reserved cell-phone number of one any bank, marketing system client is by customer number, bank card number and pre-
Cell-phone number is stayed to be sent to marketing system server, bank card number is sent to people's row payment system and inquired by marketing system server
The corresponding customer name of the card, identification card number and binding cell-phone number.
Customer name, identification card number and the binding cell-phone number that marketing system server recipient's row payment system returns, will
Name and citizen ID certificate number in the table one of customer name and identification card number and database compare, by binding cell-phone number and in advance
Cell-phone number is stayed to compare.If there is inconsistent, marketing system server loses to marketing system client feedback bank authentication
It loses, if all consistent, sends identifying code to reserved cell-phone number if marketing system server, while there are numbers by the second information of client
According to the table two in library, the second information of client includes that customer number, reserved cell-phone number, identifying code, verifying application time and verifying are effective
Time.
After client receives identifying code, customer authentication code is inputted in marketing system client, marketing system client is by client
Number and customer authentication code are sent to marketing system server.Marketing system server receives customer number and customer authentication code,
Identifying code, verifying application time and verifying effective time are searched in the table two of database according to customer number.
Marketing system server judges whether customer authentication code is consistent with identifying code, continues judgement verifying Shen if consistent
Whether please be greater than the current time of system the time plus verifying effective time.If customer authentication code and identifying code it is inconsistent or
Customer authentication code is consistent with identifying code but the verifying application time adds current time of the verifying effective time no more than system, battalion
Pin system server then fails to marketing system client feedback bank authentication.Otherwise marketing system server is by client's third
Information is stored in the table three of database, S4 is entered step, when client's third information includes customer number, bank card number and binding
Between, binding time is the current time of system.
S4, marketing system server according to customer number in the table one of database query name, citizen ID certificate number,
Gender, nationality, address and term of validity, then by name, citizen ID certificate number, gender, nationality, address, term of validity, current
Time and trading password are sent to row inner core billing and accounting system and open two class accounts, and trading password is defaulted as 000000.Marketing system
Server of uniting receives the two class account numbers that row inner core billing and accounting system returns, and the 4th information sequence of client is stored up in database
In table four, the 4th information of client includes customer number, two class account numbers, trading password and account creation time, account creation
Time is the current time of system.State in the table one of database is changed to 3 by 2 by marketing system server.
S5, client are after the complete product of product page browsing of marketing system client, product information and product number, Xiang Ying
Pin system server initiates product purchase request and inputs the first Transaction Information, the first Transaction Information packet in marketing system client
Include customer number, product number, transaction amount and trading password.After the completion of client's confirmation input, marketing system client is by
One Transaction Information is sent to marketing system server.
After marketing system server receives product purchase request and the first Transaction Information, according to customer number in database
Name and citizen ID certificate number are searched in table one, and core product code is searched in the table five of database according to product number,
Two class account numbers are searched in the table four of database according to customer number, are searched in the table three of database according to customer number
Bank card number.Second Transaction Information is sent to people's row payment system and transferred accounts by marketing system server, the second transaction letter
Breath includes bank card number, two class account numbers, transaction amount and name.People's row payment system is according in the second Transaction Information
Bank card number and name find corresponding bank account, transfer and the equal fund of transaction amount to two classes in bank account
It returns in the corresponding two classes account of account number and to marketing system server and pays successful message.
Third Transaction Information is sent to row inner core billing and accounting system, third Transaction Information packet by S6, marketing system server
Include core product code, two class account numbers, transaction amount, name, citizen ID certificate number and system current date.Row kernel
Heart billing and accounting system opens Deposit Account Number according to third Transaction Information and calculates value date and expiry date for interest, and row inner core billing and accounting system will
Deposit result, Deposit Account Number, value date and expiry date for interest return to marketing system server.Marketing system server is by client trading
Information is stored in the table six of database, and client trading information includes customer number, name, deposit account number, transaction amount, carries interest
Day, expiry date for interest and transaction creation time, transaction creation time are the current time of system.
The above embodiment is a preferred embodiment of the present invention, but embodiments of the present invention are not by above-described embodiment
Limitation, other any changes, modifications, substitutions, combinations, simplifications made without departing from the spirit and principles of the present invention,
It should be equivalent substitute mode, be included within the scope of the present invention.
Claims (2)
1. a kind of marketing of bank management method based on wechat small routine, it is characterised in that: the following steps are included:
S1, marketing system client obtain account opening request and send it to marketing system server, the marketing system service
Device requests to marketing system client transmission authentification of message and client is required to upload identity card front and back sides picture, the marketing
System client automatically generates customer number after obtaining identity card front and back sides picture, then by identity card front and back sides picture
It is uploaded to the marketing system server with customer number, the marketing system server identifies identity card front and back sides figure
Name, gender, nationality, address, citizen ID certificate number and the term of validity of on piece, client's first information is stored to database
Table one in and client's first information be back to the marketing system client verified for client, the client first believes
Breath includes the customer number, name, citizen ID certificate number, gender, nationality, address, term of validity and state;
There is provided if the marketing system client receives the verification result of information errors corrigendum interface come obtain corrigendum after
Client's first information, then client's first information after corrigendum is uploaded to the marketing system server, the battalion
Pin system server updates the table one of the database according to client's first information after corrigendum, if the marketing system
Client receives information and correctly verifies as a result, the verification result is sent to the marketing system by the marketing system client
State in the table one of the database is set as 1 by system server, the marketing system server;
S2, the marketing system server send face core body certification request to the marketing system client and require on client
Pass one section include client's face video, the marketing system client obtains the video and customer number after the video
It is sent to the marketing system server, the marketing system server judges whether the client in the video is living body, such as
Fruit is not living body, the marketing system server then to the marketing system client feedback face core body authentification failure, if
It is living body, the marketing system server extracts mug shot and according to the customer number in the database in video
The name and citizen ID certificate number are inquired in table one, and client's photo, name and citizen ID certificate number are sent
It is verified into public security identity network verification system;
The public security identity network verification system is returned to the marketing system server and is verified as a result, if the verification result
Inconsistent, the marketing system server is to the marketing system client feedback face core body authentification failure, if the core
The fruit that comes to an end is consistent, and the state in the table one of the database is then changed to 2, i.e. face core body by 1 by the marketing system server
It authenticates successfully;
S3, the marketing system server request to marketing system client transmission bank authentication and client are required to upload
Bank card number and reserved cell-phone number, the marketing system client obtain institute after the bank card number and reserved cell-phone number
It states customer number, bank card number and reserved cell-phone number and is sent to the marketing system server, the marketing system server
Customer name, identification card number and binding cell-phone number, the marketing are obtained in people's row payment system according to the bank card number
System server is by the name and citizen ID certificate in the table one of the customer name and identification card number and the database
Number comparison compares the binding cell-phone number and the reserved cell-phone number, if there is inconsistent, the marketing system clothes
Business device will fail to the marketing system client feedback bank authentication, if all unanimously, if the marketing system server
Identifying code is sent to the reserved cell-phone number, while the second information of client being stored in the table two of the database, the client
Second information includes customer number, reserved cell-phone number, identifying code, verifying application time and verifying effective time;
The marketing system client obtains externally input customer authentication code and sends out the customer number and customer authentication code
It send to the marketing system server, the marketing system server is according to the customer number in the table two of the database
It searches the identifying code, verifying application time and verifying effective time, the marketing system server and judges the customer authentication
Whether code is consistent with identifying code, continues to judge whether the verifying application time adds the verifying effective time if consistent
Greater than the current time of system, if it is current greater than system plus the verifying effective time to meet the verifying application time
Client's third information is stored in the table three of the database, client's third information by time, the marketing system server
Including customer number, bank card number and binding time, the binding time is the current time of system;
If the customer authentication code and the identifying code be inconsistent or the customer authentication code is consistent with the identifying code but institute
The current time that the verifying application time is not more than system plus the verifying effective time is stated, the marketing system server is to institute
State the failure of marketing system client feedback bank authentication;
S4, the marketing system server inquire the name, public affairs in the table one of the database according to the customer number
People's ID card No., gender, nationality, address and term of validity, then by the name, citizen ID certificate number, gender, nationality,
Address, term of validity, current time and trading password are sent to row inner core billing and accounting system, and the row inner core billing and accounting system is opened
Vertical two class accounts simultaneously return to two class account numbers to the marketing system server, and the marketing system server is by client the 4th
Information is stored in the table four of the database and the state in the table of the database one is changed to 3 by 2, then to the battalion
Pin system client feedback verifying complete, the 4th information of client include the customer number, two class account numbers, transaction it is close
Code and account creation time, the account creation time are the current time of system;
S5, the marketing system client obtain client and buy request and the first Transaction Information and send out first Transaction Information
It send to the marketing system server, first Transaction Information includes the customer number, product number, transaction amount and friendship
Easy password;
The marketing system server searches the name and citizen in the table one of the database according to the customer number
ID card No. searches core product code according to the product number, according to the client in the table five of the database
Number the two classes account number is searched in the table four of the database, according to the customer number the database table
The bank card number is searched in three;
Second Transaction Information is sent to people's row payment system and carries out transfer services by the marketing system server, and described second hands over
Easy information includes the bank card number, two class account numbers, transaction amount and name, and the return of people's row payment system is paid successfully
Message to marketing system server;
Third Transaction Information is sent to row inner core billing and accounting system, the third transaction letter by S6, the marketing system server
Breath includes that the core product code, two class account numbers, transaction amount, name, citizen ID certificate number and system work as the day before yesterday
Phase, the row inner core billing and accounting system according to the third Transaction Information open Deposit Account Number and will deposit result, Deposit Account Number,
Value date and expiry date for interest return to the marketing system server, and client trading information is stored in by the marketing system server
The table six of the database, the client trading information include the customer number, name, deposit account number, transaction amount, carry interest
Day, expiry date for interest and transaction creation time, the transaction creation time are the current time of system.
2. a kind of marketing of bank management method based on wechat small routine as described in claim 1, it is characterised in that: the number
According to table one, table two, table three, table four, table five and table six is stored in library, table one includes customer number, name, citizen ID certificate number
Code, gender, nationality, address, term of validity and state, table two include customer number, cell-phone number, identifying code, verifying application time
With verifying effective time, table three includes customer number, bank card number and binding time, and table four includes the customer number, two
Class account number, trading password and account creation time, table five include the product number, name of product, core product code
With product creation time, table six includes the customer number, name, deposit account number, transaction amount, value date, expiry date for interest and friendship
Easy creation time.
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CN111553785A (en) * | 2020-04-02 | 2020-08-18 | 上海浦东发展银行股份有限公司 | Interactive service triggered bank account opening verification method and system |
CN111915289A (en) * | 2020-08-07 | 2020-11-10 | 北京云从科技有限公司 | Commodity transaction method, system, platform, equipment and medium based on face recognition |
CN111932270A (en) * | 2020-08-12 | 2020-11-13 | 中国银行股份有限公司 | Method and device for bank customer identity verification |
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