CN111681104A - Internet bank self-help registration system and method - Google Patents
Internet bank self-help registration system and method Download PDFInfo
- Publication number
- CN111681104A CN111681104A CN202010511051.6A CN202010511051A CN111681104A CN 111681104 A CN111681104 A CN 111681104A CN 202010511051 A CN202010511051 A CN 202010511051A CN 111681104 A CN111681104 A CN 111681104A
- Authority
- CN
- China
- Prior art keywords
- user
- level
- real
- name
- grade
- 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.)
- Pending
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
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L63/00—Network architectures or network communication protocols for network security
- H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
- H04L63/0876—Network architectures or network communication protocols for network security for authentication of entities based on the identity of the terminal or configuration, e.g. MAC address, hardware or software configuration or device fingerprint
Landscapes
- Engineering & Computer Science (AREA)
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Finance (AREA)
- General Business, Economics & Management (AREA)
- Power Engineering (AREA)
- Marketing (AREA)
- Strategic Management (AREA)
- Technology Law (AREA)
- Physics & Mathematics (AREA)
- Development Economics (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Economics (AREA)
- Computer Hardware Design (AREA)
- Computer Security & Cryptography (AREA)
- Computing Systems (AREA)
- General Engineering & Computer Science (AREA)
- Computer Networks & Wireless Communication (AREA)
- Signal Processing (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention provides an Internet bank self-help registration system and a method, wherein the system comprises: the system comprises a user level detection module, a user level logic processing module and a plurality of different user level service function management modules; the user grade detection module is used for identifying the current real name grade of the user according to the user identity information; determining a target real name grade of a user according to the current real name grade and a user request; the user level logic processing module is used for upgrading the current real name level of the user to a target real name level according to authentication information required by the target real name level submitted by the user and obtaining an upgrading result; and the user level business function management module is used for configuring the banking business function corresponding to the target real name level of the user when the upgrading result is successful. The invention can carry out Internet bank self-service registration according to the actual requirements of users.
Description
Technical Field
The invention relates to the technical field of internet banking, in particular to an internet banking self-service registration system and method.
Background
With the popularization of internet banking technology, the dependence of users on functions of internet banking channels is higher and higher, so that the account opening transaction amount of counters of banking institutions is invisibly driven, counter transaction congestion caused by large-scale transaction is relieved, and from the perspective of improving user experience, the self-service registration function of internet banking is provided by each banking institution, so that users can complete account opening business of internet banking in internet channels. However, the internet bank account opening relates to the requirements of user funds, information safety and external supervision, so that the requirements of a bank organization on a self-service registration process are very strict, multiple steps of mobile phone transaction code verification, bank card verification, identity card verification, living body authentication and networking check are required from a new user to account opening success, the process is very complex and time-consuming, especially living body detection and networking check have high requirements on a network environment, if the network environment of the user is poor, a certain failure probability exists, and the user cannot use all functions in the internet bank. However, in practice, different users may not need to use all functions in the internet bank, so that all the registration flows need not to be completed during registration, and therefore, the automatic registration flows cause inconvenience to the users.
Disclosure of Invention
The embodiment of the invention provides an internet bank self-service registration system, which is used for carrying out internet bank self-service registration according to the actual requirement of a user, and comprises the following components:
the system comprises a user level detection module, a user level logic processing module and a plurality of different user level service function management modules;
the user grade detection module is used for identifying the current real name grade of the user according to the user identity information; determining a target real name grade of a user according to the current real name grade and a user request;
the user level logic processing module is used for upgrading the current real name level of the user to a target real name level according to authentication information required by the target real name level submitted by the user and obtaining an upgrading result;
and the user level business function management module is used for configuring the banking business function corresponding to the target real name level of the user when the upgrading result is successful.
The embodiment of the invention provides an Internet bank self-service registration method, which is used for carrying out Internet bank self-service registration according to the actual requirement of a user and comprises the following steps:
identifying the current real name grade of the user according to the user identity information;
determining a target real name grade of a user according to the current real name grade and a user request;
according to authentication information required by a target real-name grade submitted by a user, the current real-name grade of the user is upgraded to the target real-name grade, and an upgrading result is obtained;
and when the upgrading result is successful, configuring the banking business function corresponding to the target real name level of the user.
The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can run on the processor, wherein the processor realizes the self-service registration method of the internet bank when executing the computer program.
The embodiment of the invention also provides a computer readable storage medium, and the computer readable storage medium stores a computer program for executing the internet bank self-service registration method.
In the embodiment of the invention, the user grade detection module is used for identifying the current real name grade of the user according to the user identity information; determining a target real name grade of a user according to the current real name grade and a user request; the user level logic processing module is used for upgrading the current real name level of the user to a target real name level according to authentication information required by the target real name level submitted by the user and obtaining an upgrading result; and the user level business function management module is used for configuring the banking business function corresponding to the target real name level of the user when the upgrading result is successful. In the system, the hierarchical management of the user can be realized, so that the user can determine the real name level according to the actual requirement of the user, the corresponding flow is completed when the Internet bank automatically registers, the registration time is saved, and the registration success rate is improved.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts. In the drawings:
FIG. 1 is a schematic diagram of an Internet bank self-service registration system in an embodiment of the invention;
FIG. 2 is a diagram illustrating a multi-level user architecture model according to an embodiment of the present invention;
FIG. 3 is a flow chart of a self-service registration method of an Internet bank in the embodiment of the invention;
FIG. 4 is a diagram of a computer device in an embodiment of the invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the embodiments of the present invention are further described in detail below with reference to the accompanying drawings. The exemplary embodiments and descriptions of the present invention are provided to explain the present invention, but not to limit the present invention.
In the description of the present specification, the terms "comprising," "including," "having," "containing," and the like are used in an open-ended fashion, i.e., to mean including, but not limited to. Reference to the description of the terms "one embodiment," "a particular embodiment," "some embodiments," "for example," etc., means that a particular feature, structure, or characteristic described in connection with the embodiment or example is included in at least one embodiment or example of the application. 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, or characteristics described may be combined in any suitable manner in any one or more embodiments or examples. The sequence of steps involved in the embodiments is for illustrative purposes to illustrate the implementation of the present application, and the sequence of steps is not limited and can be adjusted as needed.
Fig. 1 is a schematic diagram of an internet banking self-service registration system in an embodiment of the present invention, and as shown in fig. 1, the system includes: the system comprises a user level detection module, a user level logic processing module and a plurality of different user level service function management modules;
the user grade detection module is used for identifying the current real name grade of the user according to the user identity information; determining a target real name grade of a user according to the current real name grade and a user request;
the user level logic processing module is used for upgrading the current real name level of the user to a target real name level according to authentication information required by the target real name level submitted by the user and obtaining an upgrading result;
and the user level business function management module is used for configuring the banking business function corresponding to the target real name level of the user when the upgrading result is successful.
In the embodiment of the invention, the hierarchical management of the user can be realized, so that the user can determine the real name level according to the actual requirement of the user, the corresponding flow is completed when the Internet bank automatically registers, the registration time is saved, and the registration success rate is improved.
In specific implementation, the internet banks include internet banks, mobile phone banks and wechat banks, particularly virtual bank counters realized by a bank organization through internet banking technology, and can support users to use a computer browser, a mobile phone and a wechat channel to carry out bank transactions such as account opening, account transfer, investment and financing and the like in the internet environment.
The design idea of the Internet bank self-service registration system provided by the embodiment of the invention is to form a multi-level user system model, deeply analyze pain points of a user self-service registration account opening process from the perspective of user requirements, optimize the account opening process of the existing bank organization, and divide Internet bank users into a plurality of entity levels, so that an Internet bank function matched with the security level of each entity level is provided for the users of each entity level, and the users can reasonably enjoy convenience and security experience brought by Internet banks.
In one embodiment, the real name levels include a first real name level, a second real name level, and a third real name level;
the plurality of different user grade service function management modules comprise a first real name grade service function management module, a second real name grade service function management module and a third real name grade service function management module.
In the above embodiment, the user of the first real name level may be referred to as a weak real name user, which is a user who registers an account in a designated banking institution but only retains login information. The users at the second real name level can be called middle real name users, and are users who continue to retain real names, identity card information and information of specified bank cards on the basis of weak real name users. The user at the third real-name level can be called a strong real-name user and is the user after biometric identification and online check are continuously carried out on the basis of the medium real-name user. While the user who made an account is not registered in any internet bank in the designated banking institution, only the user who can use the internet banking function without authentication of user information is called a new user.
In an embodiment, the user-level service function management module is specifically configured to:
and configuring the use permission of the banking business function corresponding to the target real name level of the user.
In the above embodiment, the first real-name-level service function management module is specifically configured to configure, when the user upgrade result is that the upgrade is successful and the target real-name level is the first real-name level (generally, upgraded by a new user), a banking service function corresponding to the first real-name level of the user, and specifically includes a usage right; the second real-name-level business function management module is specifically used for configuring the banking business function corresponding to the second real-name level of the user when the user upgrading result is that the upgrading is successful and the target real-name level is the second real-name level, and specifically comprises a use permission; the third real-name-level service function management module is specifically configured to configure a banking service function corresponding to the third real-name level of the user when the user upgrade result is that the upgrade is successful and the target real-name level is the third real-name level, and specifically includes a usage right.
In one embodiment, the authentication information required by the first real name level is internet banking login information; the authentication information required by the second real name level is identity card information and bank card information; the authentication information required by the third real-name level is networking verification information and biometric information.
In the above embodiment, the internet banking login information may be a user name, a password, and the like of the internet banking. The authentication information required by the second real name level can also comprise short message verification information of the mobile phone besides the identity card information and the bank card information. The networking check information designates the process that the bank networks to confirm the user information to the information sharing system of the public security department, and the consistency of the user biological identification information and the user identity information is ensured. In the biometric identification, the authenticity of a user is verified through various combined actions such as blinking, head shaking or head nodding of a face identification object according to the positioning of key points of a face and a face tracking technology in a face identification scene.
For example, after the current real-name level (which may be a new user or a first real-name level) of the user is raised to a second real-name level according to authentication information (identity card information and bank card information) required by the second real-name level submitted by the user, the second real-name level business function management module configures a bank business function corresponding to the second real-name level of the user, for example, the balance of the bank card can be queried, the user inserts the card into an ATM and then inputs a bank card password to query, the second real-name level can prove that the bank card belongs to the internet bank user, which is equivalent to the situation that the user inputs the password to query the balance in the ATM, and therefore, the second real-name level can support account balance query.
Through the embodiment, the user can use the internet banking function only by meeting the corresponding conditions. The user firstly submits authentication information required by the first real-name grade, the system of the embodiment of the invention can register that the user is a weak real-name user (the user with the first real-name grade) after processing, and the user can use the banking function corresponding to the grade. If the current grade can not meet the user requirement, the user can select to continue upgrading to a medium-name and real-name user, so that the banking function corresponding to the grade can be used. If the function of the medium real-name user can not meet the requirement of the user, the user can choose to continue upgrading to a strong real-name user, so that the user can upgrade to the strong real-name user and use the banking function corresponding to the grade. The invention starts from the target requirement of the user, carries out grade division on the user system (currently, the user system with three grades) and the internet bank function, enriches the internet bank user system while meeting the user requirement, and improves the efficiency of the internet bank processing service.
In addition, the invention reasonably grades the transaction between the user and the internet bank on the premise of conforming to the bank development and the safety standard, thereby increasing the success rate of the user becoming the internet bank user and providing service for the user as much as possible. The new user is upgraded into a weak real-name user which only needs to verify a login mode, the condition of failure hardly exists, the medium real-name user needs to verify identity card information and bank card information, and the failure rate is very low. The user with low security level function requirement only needs to register a weak real-name user or a medium real-name user, and can be upgraded into a strong real-name user when the high security level function is needed, so that the problems that the existing registration process is complex and consumes long time, the requirement on network environment is high due to networking verification and biological identification, the failure rate is high due to user operation reasons or network environment factors, the user cannot use the internet banking function required by the user and the like are solved.
Fig. 2 is a schematic diagram of a multi-level user system model in the embodiment of the present invention, and as shown in fig. 2, a user may continuously upgrade to a user with different real-name levels according to actual requirements, so that a complex registration process does not need to be completed under any circumstances.
Of course, it is understood that the user grades may be respectively more varied according to actual situations to meet the user requirements, and are not described herein, and all the related variations should fall within the protection scope of the present invention.
In one embodiment, the system further comprises a user storage module for storing user identity information and real name grades.
In an embodiment, the user request includes an upgrade request submitted by a user or a service request corresponding to a target real-name level submitted by the user.
In the above embodiment, the upgrade request submitted by the user, that is, the request that the user wants to actively upgrade, based on the upgrade request of the user, the process of the user actively upgrading specifically includes:
step 201, a new user submits login information to a user level detection module;
step 202, a user grade detection module identifies that a user is a new user and prompts the user to carry out login information authentication;
step 203, the user submits authentication information required by the first real name level to a user level logic processing module;
step 204, the user level logic processing module raises the current real name level of the user to a first real name level according to login information required by the first real name level, and stores the user identity information and the real name level to the user storage module; the first real-name grade business function management module configures the banking business function corresponding to the first real-name grade of the user;
step 205, if the user chooses to continue upgrading, submitting an upgrading request to the user level detection module, and going to step 206, if the user chooses to use the banking function corresponding to the first real name level, going to step 216;
step 206: the user grade detection module identifies that the user is the user with the first real name grade; determining the target real name grade as a second real name grade according to the upgrading request;
step 207, the user submits the identity card information and the bank card information required by the second real name level to the user level logic processing module;
step 208, the user level logic processing module raises the current real name level of the user to a second real name level according to the identity card information and the bank card information required by the second real name level, and stores the user identity information and the real name level to the user storage module; the second real-name grade business function management module configures the banking business function corresponding to the second real-name grade of the user;
step 209, if the user chooses to continue upgrading, submitting an upgrading request to the user level detection module, and going to step 210, if the user chooses to use the banking function corresponding to the first real name level, going to step 219;
step 210, the user grade detection module identifies the user as a user with a second real name grade; determining the target real name grade as a third real name grade according to the upgrading request;
step 211, the user submits the biological identification information and the networking check information required by the second real-name level to the user level logic processing module;
step 212, the user level logic processing module raises the current real name level of the user to a third real name level according to the biological identification information and the networking check information required by the third real name level, and stores the user identity information and the real name level to the user storage module; the third real name grade business function management module configures the banking business function corresponding to the third real name grade of the user;
step 213, the user initiates a banking function application corresponding to the third real name level service function management module;
step 214, the third real-name-level business function management module allows the user to use the banking business function corresponding to the third real-name level;
step 215, the user finishes using the banking function corresponding to the third real name level, and the process is ended;
step 216, the user initiates a banking service function application corresponding to the first real name level service function management module;
step 217, the first real-name-level business function management module allows the user to use the banking business function corresponding to the first real-name level;
step 218, the user finishes using the banking function corresponding to the first real name level, and the process is ended;
step 219, the user initiates a banking function application corresponding to the second real name level service function management module;
step 220, the second real name grade business function management module allows the user to use the banking business function corresponding to the second real name grade;
step 221, the user finishes using the banking function corresponding to the second real name level, and the process is ended.
In an embodiment, the user request includes an upgrade request submitted by a user or a service request corresponding to a target real-name level submitted by the user.
In the above embodiment, or the service request corresponding to the target real-name level submitted by the user, that is, the request for service-driven upgrade, mainly takes into consideration a scenario in which the user has used a banking service function beyond the real-name level on the premise that the user has become a weak real-name user or a medium real-name user of the internet banking. The service-driven upgrading process specifically includes:
step 301, a user submits identity information to a user level detection module;
step 302, if the user level detection module identifies that the user is the user with the first real name level, step 303 is carried out, and if the user is identified as the user with the second real name level, step 311 is carried out;
step 303, if the user with the first real name level initiates a service request corresponding to the second real name level service function management module, step 304 is performed, and if the user with the first real name level initiates a service request corresponding to the third real name level service function management module, step 319 is performed;
step 304, the second real name grade service function management module sends prompt information to remind the user that the service can be carried out only when the second real name grade is required;
305, submitting the identity card information and the bank card information required by the second real name level to a user level logic processing module by a user;
step 306, the user level logic processing module raises the current real name level of the user to a second real name level according to the identity card information and the bank card information required by the second real name level, and stores the user identity information and the real name level to the user storage module; the second real-name grade business function management module configures the banking business function corresponding to the second real-name grade of the user;
step 307, the user grade detection module identifies that the user is the user with the second real name grade;
308, the user initiates a service request corresponding to the second real name grade service function management module;
step 309, the second real name grade business function management module allows the user to use the banking business function corresponding to the second real name grade;
step 310, the user finishes using the banking function corresponding to the second real name level, and the process is ended;
311, the user with the second real name level initiates a service request corresponding to the third real name level service function management module;
step 312, the third real-name-level service function management module sends a prompt message to remind the user that the service can be performed only if the third real-name-level service function management module has the third real-name-level service;
step 313, the user submits the networking check information and the biological identification information to the user level logic processing module;
step 314, the user grade logic processing module raises the current real name grade of the user to a third real name grade according to the networking check information and the biological identification information, and stores the user identity information and the real name grade to the user storage module; the third real name grade business function management module configures the banking business function corresponding to the third real name grade of the user;
step 315, the user grade detection module identifies the user as a user of a third real name grade;
step 316, the user initiates a service request corresponding to the third real name level service function management module;
step 317, the third real name grade service function management module allows the user to use the banking service function corresponding to the third real name grade;
step 318, the user finishes using the banking function corresponding to the third real name level, and the process is ended;
step 319, the user with the first real name level initiates a service request corresponding to the third real name level service function management module;
step 320, the third real name grade service function management module sends prompt information to remind the user that the service can be carried out only when the third real name grade is required;
step 321, submitting the identity card information and the bank card information to a user level logic processing module by a user;
step 322, the user level logic processing module raises the current real name level of the user to a second real name level according to the identity card information and the bank card information required by the second real name level, and stores the user identity information and the real name level to the user storage module; the second real-name grade business function management module configures the banking business function corresponding to the second real-name grade of the user;
step 323, the user grade detection module identifies the user as a user with a second real name grade;
step 324, the user submits the networking check information and the biological identification information to the user level logic processing module;
step 325, the user level logic processing module upgrades the current real name level of the user to a third real name level according to the networking check information and the biological identification information, and saves the user identity information and the real name level to the user storage module; the third real name grade business function management module configures the banking business function corresponding to the third real name grade of the user;
step 326, the user level detection module identifies the user as a user with a third real name level;
step 327, the user initiates a service request corresponding to the third real name level service function management module;
step 328, the third real name level service function management module allows the user to use the banking service function corresponding to the third real name level;
step 329, the user finishes using the banking function corresponding to the third real name level, and the process is ended.
In summary, in the system provided in the embodiment of the present invention, the user level detection module is configured to identify the current real name level of the user according to the user identity information; determining a target real name grade of a user according to the current real name grade and a user request; the user level logic processing module is used for upgrading the current real name level of the user to a target real name level according to authentication information required by the target real name level submitted by the user and obtaining an upgrading result; and the user level business function management module is used for configuring the banking business function corresponding to the target real name level of the user when the upgrading result is successful. In the system, the hierarchical management of the user can be realized, so that the user can determine the real name level according to the actual requirement of the user, the corresponding flow is completed when the Internet bank automatically registers, the registration time is saved, and the registration success rate is improved.
Based on the same inventive concept, the embodiment of the invention also provides an internet bank self-service registration method, as described in the following embodiment. Because the principle of solving the problems is similar to that of the Internet bank self-service registration system, the implementation of the method can be referred to the implementation of the system, and repeated parts are not repeated.
Fig. 3 is a flowchart of an internet banking self-service registration method in an embodiment of the present invention, and as shown in fig. 3, the method includes:
step 31, identifying the current real name grade of the user according to the user identity information;
and step 34, configuring the banking function corresponding to the target real name grade of the user when the upgrading is successful.
In an embodiment, the user request includes an upgrade request submitted by a user or a service request corresponding to a target real-name level submitted by the user.
In one embodiment, configuring banking functions corresponding to a target real name level of a user includes:
and configuring the use permission of the banking business function corresponding to the target real name level of the user.
In one embodiment, the real name rankings include a first real name ranking, a second real name ranking, and a third real name ranking.
In one embodiment, the authentication information required by the first real name level is internet banking login information; the authentication information required by the second real name level is identity card information and bank card information; the authentication information required by the third real-name level is networking verification information and biometric information.
In summary, in the method provided in the embodiment of the present invention, the current real-name level of the user is identified according to the user identity information; determining a target real name grade of a user according to the current real name grade and a user request; according to authentication information required by a target real-name grade submitted by a user, the current real-name grade of the user is upgraded to the target real-name grade, and an upgrading result is obtained; and when the upgrading result is successful, configuring the banking business function corresponding to the target real name level of the user. In the process, the hierarchical management of the user can be realized, so that the user can determine the real name level according to the actual requirement of the user, the corresponding flow is completed when the internet bank automatically registers, the registration time is saved, and the registration success rate is improved.
An embodiment of the present application further provides a computer device, and fig. 4 is a schematic diagram of the computer device in the embodiment of the present invention, where the computer device is capable of implementing all steps in the internet banking self-service registration method in the embodiment, and the electronic device specifically includes the following contents:
a processor (processor)401, a memory (memory)402, a communication interface (communications interface)403, and a bus 404;
the processor 401, the memory 402 and the communication interface 403 complete mutual communication through the bus 404; the communication interface 403 is used for implementing information transmission between related devices such as server-side devices, detection devices, and user-side devices;
the processor 401 is configured to call the computer program in the memory 402, and when the processor executes the computer program, the processor implements all the steps of the internet bank self-service registration method in the foregoing embodiment.
An embodiment of the present application further provides a computer-readable storage medium, which can implement all steps in the internet bank self-service registration method in the foregoing embodiment, where a computer program is stored on the computer-readable storage medium, and when the computer program is executed by a processor, all steps of the internet bank self-service registration method in the foregoing embodiment are implemented.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
The above-mentioned embodiments are intended to illustrate the objects, technical solutions and advantages of the present invention in further detail, and it should be understood that the above-mentioned embodiments are only exemplary embodiments of the present invention, and are not intended to limit the scope of the present invention, and any modifications, equivalent substitutions, improvements and the like made within the spirit and principle of the present invention should be included in the scope of the present invention.
Claims (13)
1. An internet bank self-service registration system, comprising: the system comprises a user level detection module, a user level logic processing module and a plurality of different user level service function management modules;
the user grade detection module is used for identifying the current real name grade of the user according to the user identity information; determining a target real name grade of a user according to the current real name grade and a user request;
the user level logic processing module is used for upgrading the current real name level of the user to a target real name level according to authentication information required by the target real name level submitted by the user and obtaining an upgrading result;
and the user level business function management module is used for configuring the banking business function corresponding to the target real name level of the user when the upgrading result is successful.
2. The internet banking self-service registration system of claim 1, wherein the user request comprises an upgrade request submitted by a user or a service request corresponding to a target real-name level submitted by the user.
3. The internet banking self-service registration system according to claim 1, wherein the user-level service function management module is specifically configured to:
and configuring the use permission of the banking business function corresponding to the target real name level of the user.
4. The internet banking self-service registration system of claim 1, wherein the real-name grades comprise a first real-name grade, a second real-name grade and a third real-name grade;
the plurality of different user grade service function management modules comprise a first real name grade service function management module, a second real name grade service function management module and a third real name grade service function management module.
5. The internet bank self-service registration system of claim 4, wherein the authentication information required for the first real name level is internet bank login information; the authentication information required by the second real name level is identity card information and bank card information; the authentication information required by the third real-name level is networking verification information and biometric information.
6. The internet banking self-service registration system of claim 1, further comprising: and the user storage module is used for storing the user identity information and the real name grade.
7. An Internet bank self-service registration method is characterized by comprising the following steps:
identifying the current real name grade of the user according to the user identity information;
determining a target real name grade of a user according to the current real name grade and a user request;
according to authentication information required by a target real-name grade submitted by a user, the current real-name grade of the user is upgraded to the target real-name grade, and an upgrading result is obtained;
and when the upgrading result is successful, configuring the banking business function corresponding to the target real name level of the user.
8. The internet banking self-service registration method according to claim 7, wherein the user request comprises an upgrade request submitted by a user or a service request corresponding to a target real-name level submitted by the user.
9. The internet bank self-service registration method of claim 7, wherein configuring banking functions corresponding to the target real name level of the user comprises:
and configuring the use permission of the banking business function corresponding to the target real name level of the user.
10. The internet banking self-service registration method of claim 7, wherein the real-name grades include a first real-name grade, a second real-name grade and a third real-name grade.
11. The internet bank self-service registration method of claim 10, wherein the authentication information required for the first real name level is internet bank login information; the authentication information required by the second real name level is identity card information and bank card information; the authentication information required by the third real-name level is networking verification information and biometric information.
12. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, characterized in that the processor implements the method of any of claims 7 to 11 when executing the computer program.
13. A computer-readable storage medium, characterized in that the computer-readable storage medium stores a computer program for executing the method of any one of claims 7 to 11.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202010511051.6A CN111681104A (en) | 2020-06-08 | 2020-06-08 | Internet bank self-help registration system and method |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202010511051.6A CN111681104A (en) | 2020-06-08 | 2020-06-08 | Internet bank self-help registration system and method |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN111681104A true CN111681104A (en) | 2020-09-18 |
Family
ID=72454022
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN202010511051.6A Pending CN111681104A (en) | 2020-06-08 | 2020-06-08 | Internet bank self-help registration system and method |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN111681104A (en) |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN113723945A (en) * | 2021-09-15 | 2021-11-30 | 中国银行股份有限公司 | Bank user data processing method and device |
Citations (8)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| JP2004295752A (en) * | 2003-03-28 | 2004-10-21 | Bank Of Tokyo-Mitsubishi Ltd | Portal internet banking system |
| CN101447051A (en) * | 2007-11-27 | 2009-06-03 | 联想(北京)有限公司 | Payment method and payment device |
| US8185472B1 (en) * | 2008-06-18 | 2012-05-22 | Bank Of America Corporation | Enrollment into an online banking system |
| US20140207672A1 (en) * | 2013-01-24 | 2014-07-24 | Bank Of America Corporation | Mobile device enrollment for online banking transactions |
| US20150026025A1 (en) * | 2013-07-19 | 2015-01-22 | Bank Of America Corporation | Remote control for online banking |
| US20150287028A1 (en) * | 2014-04-08 | 2015-10-08 | Capital One Financial Corporation | Systems and Methods for Authenticating Electronic Transactions |
| US20170243182A1 (en) * | 2014-05-30 | 2017-08-24 | Beijing Qihoo Technology Company Limited | Method of Visiting Online Banking Website and Browser |
| CN111125656A (en) * | 2019-12-24 | 2020-05-08 | 支付宝(杭州)信息技术有限公司 | Service processing method and device and electronic equipment |
-
2020
- 2020-06-08 CN CN202010511051.6A patent/CN111681104A/en active Pending
Patent Citations (8)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| JP2004295752A (en) * | 2003-03-28 | 2004-10-21 | Bank Of Tokyo-Mitsubishi Ltd | Portal internet banking system |
| CN101447051A (en) * | 2007-11-27 | 2009-06-03 | 联想(北京)有限公司 | Payment method and payment device |
| US8185472B1 (en) * | 2008-06-18 | 2012-05-22 | Bank Of America Corporation | Enrollment into an online banking system |
| US20140207672A1 (en) * | 2013-01-24 | 2014-07-24 | Bank Of America Corporation | Mobile device enrollment for online banking transactions |
| US20150026025A1 (en) * | 2013-07-19 | 2015-01-22 | Bank Of America Corporation | Remote control for online banking |
| US20150287028A1 (en) * | 2014-04-08 | 2015-10-08 | Capital One Financial Corporation | Systems and Methods for Authenticating Electronic Transactions |
| US20170243182A1 (en) * | 2014-05-30 | 2017-08-24 | Beijing Qihoo Technology Company Limited | Method of Visiting Online Banking Website and Browser |
| CN111125656A (en) * | 2019-12-24 | 2020-05-08 | 支付宝(杭州)信息技术有限公司 | Service processing method and device and electronic equipment |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN113723945A (en) * | 2021-09-15 | 2021-11-30 | 中国银行股份有限公司 | Bank user data processing method and device |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| US11151566B2 (en) | Authentication and fraud prevention in provisioning a mobile wallet | |
| CN110326251A (en) | The system and method that the general dispersion solution of user is verified using cross validation feature are provided | |
| CN107808289B (en) | Electronic payment platform, control method and device | |
| CN109240838A (en) | Interface call method, device, computer equipment and storage medium | |
| CN109359601A (en) | Authentication recognition methods, electronic device and computer readable storage medium | |
| CN110401655A (en) | Access control right management system based on user and role | |
| CN108537498A (en) | Interorganizational project management method, system, equipment and medium based on block chain | |
| CN108460272A (en) | Change of secret code method, apparatus, terminal device and storage medium | |
| US10841315B2 (en) | Enhanced security using wearable device with authentication system | |
| CN112231667B (en) | Identity verification method, device, storage medium, system and equipment | |
| WO2020056996A1 (en) | Method and apparatus for managing donation information, computer device, and storage medium | |
| CN111652096B (en) | Face recognition method, device and system based on block chain | |
| CN110493308B (en) | Distributed consistency system session method and device, storage medium and server | |
| CN110458572B (en) | User risk determining method and target risk recognition model establishing method | |
| CN107908940A (en) | The method and terminal device of a kind of fingerprint recognition | |
| CN111724146A (en) | Block chain-based digital asset transfer method and device | |
| US20230316263A1 (en) | Metaverse authentication | |
| CN108600184A (en) | A kind of equipment authentication method of embedded chip certificate | |
| CN111597269A (en) | Block chain-based contract implementation method, device and equipment | |
| CN111585966A (en) | End, pipe and cloud integrated internet credible exhibition industry safety system | |
| CN114462989A (en) | Method, device and system for starting digital currency hardware wallet application | |
| CN111681104A (en) | Internet bank self-help registration system and method | |
| CN108550017B (en) | Consumption finance core system based on SAAS platform | |
| CN106375334A (en) | Authentication method for distributed system | |
| CN113779536A (en) | User access method, system, electronic device and medium |
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 |