CN111768013B - Commercial bank public account comprehensive management system and method - Google Patents
Commercial bank public account comprehensive management system and method Download PDFInfo
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- CN111768013B CN111768013B CN201910077410.9A CN201910077410A CN111768013B CN 111768013 B CN111768013 B CN 111768013B CN 201910077410 A CN201910077410 A CN 201910077410A CN 111768013 B CN111768013 B CN 111768013B
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Abstract
The invention discloses a commercial bank public account comprehensive management system, which comprises a client, a bank end, a bank intelligent account opening end and a bank management server, wherein a reservation applet is integrated in the client, and the reservation applet is in data interconnection with an account opening reservation platform; a bank enterprise extension platform is integrated in the bank end; an account opening system platform is integrated in the bank intelligent account opening end; the bank management server is integrated with a bank management system, and the method comprises reservation account opening, account opening preprocessing, quick account opening, information report and account annual inspection. According to the invention, the online reservation account opening can be carried out through the client, the account opening information is fed back to the account opening reservation platform through the electronic version, the account opening reservation platform is used for preprocessing the account opening information, and then the account opening is carried out, so that the problems that the traditional account opening on the surface needs to be filled with paper application materials, the information input is complicated, the annual inspection workload is huge, and the data comparison is difficult are solved.
Description
Technical Field
The invention relates to the technical field of bank account opening and account management, in particular to a system and a method for comprehensively managing public accounts by commercial banks.
Background
At present, bank teller accounts opening face a large amount of complicated work but is an indispensable link, enterprises consume a large amount of time in bank account opening, according to statistics, the time for filling out forms is about 20-30 minutes when general enterprises arrive at bank account opening, when customers fill out documents, the time for checking enterprise data is about 10-20 minutes, the link with the longest time is blocked in a link for inputting system information, an operation system of the bank teller takes about 30-40 minutes for inputting customer data in a management system, customers wait, the business opening link needs about 10-20 minutes after information input is completed, and finally other works such as form printing take 10 minutes; opening a public account takes about two hours, the account opening efficiency is low, the teller bears larger pressure, the long waiting of the customer in the account opening process also consumes time, and the satisfaction degree is reduced.
The traditional account opening mode at present has the following defects:
1. on-site account opening: the client is unfamiliar with the filling mode of the paper application form, so that the client can fill the paper application form by mistake and refill for many times, occupy a large amount of account opening time, and can be queued for a long time, so that the account opening efficiency is low;
2. complicated input: the staff needs to repeatedly and manually input an account opening data into a core system, a people bank account management system, a credit code card platform, a local special system and the like;
3. annual inspection workload is huge: and manually sending the client paper data to the counter during annual inspection, and checking one by one. The annual inspection workload is huge, omission is easy, the time is not short, and the bundling handling efficiency is low;
4. data alignment is difficult: in a download report provided by a people bank account management system, fields of account data are extremely lacking, and the requirement of business departments on account data consistency comparison cannot be met; many banks suffer from the problems that the data volume is large, the systems cannot be connected, manual sorting is difficult, and the like, and effective data field comparison cannot be performed.
Disclosure of Invention
The invention aims to overcome the defects of the prior art, provides a comprehensive management system and method for public accounts by commercial banks, and solves the problems of complex information input, huge annual inspection workload and difficult data comparison caused by the fact that paper application materials are required to be filled in when an account is opened in the traditional plane.
The aim of the invention is realized by the following technical scheme:
the business bank is connected with the public account management system and the public security system respectively, and further comprises an account opening system platform and an auxiliary service platform; the bank management system is connected with the account opening system platform in data, and the account opening system platform is connected with the auxiliary service platform in data; the account opening system platform comprises an account opening integrated machine platform, a bank enterprise extension platform and an account opening reservation platform; the auxiliary service platform comprises a short message platform, an image platform and a micro-message public number;
the short message platform is used for sending reservation information, verification information and state prompt information to a user in a short message mode;
the image platform is used for collecting image information of a user, an identity card or a business license, and comparing and verifying the image information with the image information in the database;
the micro-signal public number is used for providing functions of information push, nearby website inquiry, account opening reservation and reservation state inquiry;
the account opening integrated machine platform is respectively in data interconnection with the bank enterprise account opening platform and the account opening reservation platform and comprises an account opening preprocessing module, a rapid account opening module, a certificate identification module, an industrial and commercial data back-display module, an automatic backup module, a batch annual inspection module, an account opening physical examination module and a data comparison module;
the account opening preprocessing module is used for inquiring basic information of an account opening enterprise reserved in the database through the reserved number, checking information of the account opening enterprise reserved, pre-checking the reserved information, and informing the account opening enterprise of the transaction through a short message platform through the pre-checked account opening enterprise reserved;
the rapid account opening module is used for checking the reservation information and the business information of the reserved account opening enterprises after pretreatment, automatically generating a reverse display page of the enterprise information according to the basic information of the reserved account opening enterprises, editing and configuring other account opening information of the reserved account opening enterprises, and rapidly opening accounts;
the rapid account opening module is also used for carrying out business license information input, legal person information input and financial principal information input on the enterprise which does not reserve the account opening, verifying and checking basic business information of the enterprise which does not reserve the account opening, editing and configuring other account opening information of the enterprise which does not reserve the account opening, and rapidly opening the account; the legal person information input and the financial responsible person information input comprise identity card information input, field photo input, field video input and field voice input;
the certificate identification module is used for acquiring business license information and identity card information, and respectively accessing the acquired information into a bank management system and a public security system for comparison and verification to identify the authenticity of the business license information and the identity card information;
the business data back display module is used for acquiring business license information or legal identity card information, accessing a bank management system and a public security system respectively, calling the business license information and other social information of the legal, and displaying through a back display page;
the automatic backup reporting module is used for checking whether the account opening information is correct and complete, and automatically reporting the account opening information and account changing and account withdrawal operation to a bank management system for updating and backup;
the batch annual inspection module is used for accessing an industrial and commercial management system, calling industrial and commercial information of an account opening enterprise, comparing whether the account opening enterprise information recorded in the bank management system is consistent with the industrial and commercial information called in the industrial and commercial management system, performing annual inspection identification on the account opening enterprise with consistency in check, and performing on-the-plane check with an enterprise legal person or a financial responsible person and updating data for uploading if the check is inconsistent;
the data comparison module is used for periodically checking account information of the account opening enterprise and business information of the account opening enterprise, and comparing and updating the account information and the business information in the business management system;
the bank enterprise topology platform is used for acquiring new account opening enterprise information in jurisdictions and newly-increased enterprise information of nearby network points, and pushing products of the acquired enterprise information;
the account opening reservation platform is used for acquiring business license information and identity card information, providing reservation account opening according to the acquired information and generating a reservation number; the account opening reservation platform is also used for inquiring the account opening business progress and inquiring nearby account opening network points in real time.
Further, the system also comprises a client, a bank end, a bank intelligent account opening end and a bank management server, wherein the client is integrated with an appointment applet, and the appointment applet is in data interconnection with an account opening appointment platform; the reservation applet comprises a mini applet, a webpage and a reservation APP; a bank enterprise extension platform is integrated in the bank end; an account opening system platform is integrated in the bank intelligent account opening end; a bank management system is integrated in the bank management server; the client is respectively connected with the bank end and the bank intelligent account opening end through a network, the bank end is connected with the bank intelligent account opening end through the network, and the bank intelligent account opening end is connected with the bank management server through the network.
Further, the intelligent account opening end of the bank comprises a counter account opening integrated machine and a mobile account opening flat plate.
Further, a printer is arranged on the counter account opening integrated machine, and a fingerprint acquisition module and an image acquisition module are respectively arranged on the counter account opening integrated machine and the mobile account opening flat plate.
A comprehensive management method for public accounts comprises the following steps:
s1, acquiring reservation account opening information: acquiring reservation account opening information uploaded by a reservation account opening enterprise, and distributing reservation numbers according to the reservation account opening information; the appointment account opening information comprises business license information, legal identity card information, financial responsible person identity card information, appointment account opening network points, appointment account opening time periods and contact modes;
s2, account opening pretreatment: the method comprises the steps of calling reservation account opening information of a reservation account opening enterprise according to a reservation number, carrying out physical examination and pre-examination on the reservation account opening information, sending reservation success information to a contact person of the reservation account opening enterprise through a short message platform if the physical examination and the pre-examination are passed, and sending a preprocessing failure reason through the short message platform if the physical examination and the pre-examination are not passed;
s3, quick account opening: acquiring the reservation account opening enterprise through pretreatment through the reservation number, auditing account opening information of the reservation account opening enterprise, accessing a bank management system, a public security system and an industrial and commercial management system according to the account opening information provided by the reservation account opening enterprise to perform information verification and information back display, filling other account opening information to perform account opening processing if the verification is passed, and warning and displaying a failure reason if the verification is passed; the account opening information comprises basic business information, legal identity information, financial responsible person identity information, contact person information and account opening account information;
s4, information report preparation: maintaining and checking account information of successful account opening, and rapidly reporting changed and withdrawn accounts in the account information to a bank management system;
s5, annual account inspection: and (3) calling the business information of the account opening enterprise and the stock account information of each website, comparing whether the account information of the stock account information of each website and the bank management information is consistent with the business information called in the business management system, and carrying out annual inspection identification on the account opening enterprise which is checked to be consistent.
Further, when the operation in step S2 is performed, the counter account opening integrated machine performs account opening at the website or performs remote account opening by moving the account opening flat plate.
Further, in step S2, the method further includes performing an account opening operation on the enterprise that is not reserved, and specifically includes:
basic business information is obtained through a counter account opening integrated machine or a mobile account opening flat scanning business license;
acquiring legal person identity information and financial responsible person identity information through a counter account opening integrated machine or a mobile account opening flat scanning identity card;
image acquisition and verification are carried out on a legal person through a counter account opening integrated machine or a camera and a pickup of a mobile account opening flat plate;
verifying whether account information exists in an account opening enterprise through a bank management system, and performing account opening physical examination;
configuring a product type and a protocol type for an account opening enterprise, starting a double-recording label, uploading and storing a video of the double-recording label;
the account of the account opening enterprise is edited and enabled.
Further, after step S3, a form printing step is further included, specifically including:
form information of an account opening enterprise is obtained, and the form information is automatically pushed to a printer for printing;
before the form information is printed, an anti-counterfeiting two-dimensional code is also generated in the form through the electronic seal.
Further, after step S3, an information synchronization step is further included, specifically including:
and uploading account opening information of an account opening enterprise to a bank management system through an intra-row interface for storage and backup.
Further, after step S4, a data checking step is further included, specifically including:
and periodically downloading account data in the bank management system, calling the business information in the business management system, and comparing the data of the account information.
The beneficial effects of the invention are as follows:
(1) The online reservation account opening can be carried out through the client, account opening information is fed back to the account opening reservation platform through the electronic version, the account opening reservation platform sends account opening information of a reserved account opening enterprise to the account opening preprocessing module for preprocessing, the steps of data filling and data auditing of early bank staff are avoided, account opening programs are saved, and account opening workload is reduced;
(2) Double-record collection can be carried out on the responsible person of the open-account enterprise, and business license and legal person information of the open-account enterprise are audited and reversely displayed, so that the risk brought to banks by false account opening or elder Lai legal persons is avoided;
(3) The system can be accessed to an industrial and commercial management system, and industrial and commercial information of an account opening enterprise is called for batch annual inspection, so that the traditional need of one-to-one checking and auditing by staff is avoided, the annual inspection workload is reduced, and the conditions of low efficiency and easy mistakes caused by comparison of traditional paper information and contents in a database are avoided;
(4) The account information of the account opening enterprise and the business information of the account opening enterprise can be checked regularly, and the information of the account opening enterprise is refreshed in time, so that the defects of traditional manual comparison and data updating are overcome.
Drawings
Fig. 1 is a schematic diagram of a system structure of embodiment 1;
FIG. 2 is a physical system connection topology diagram in embodiment 1;
in the figure, the system comprises a 10-bank management system, a 11-public account management system, a 12-institution credit code system, a 20-account opening system platform, a 21-account opening integrated machine platform, a 22-bank enterprise development platform, a 23-account opening reservation platform, a 211-account opening preprocessing module, a 212-quick account opening module, a 213-certificate identification module, a 214-automatic report module, a 215-industrial and commercial data back-display module, a 216-batch annual inspection module, a 217-account opening physical examination module, a 218-data comparison module, a 30-auxiliary service platform, a 31-short message platform, a 32-image platform, a 33-WeChat public number platform, a 40-client, a 50-bank end, a 60-bank intelligent account opening end and a 70-bank management server.
Detailed Description
The technical solution of the present invention will be described in further detail with reference to the accompanying drawings, but the scope of the present invention is not limited to the following description.
Example 1:
referring to fig. 2, a comprehensive management system of commercial banks on public accounts is shown, wherein a client 40, a bank end 50, a bank intelligent account opening end 60 and a bank management server 70 are integrated in the client 40, and the reservation applet is in data interconnection with an account opening reservation platform 23; the bank end 50 is integrated with a bank enterprise topology platform 22; the bank intelligent account opening end 60 is integrated with an account opening system platform 20; the bank management system 10 is integrated in the bank management server 70; the client 40 is connected to the bank end 40 and the bank intelligent account opening end 60 through a network, the bank end 50 is connected to the bank intelligent account opening end 60 through a network, and the bank intelligent account opening end 60 is connected to the bank management server 70 through a network.
When an account opening enterprise reserves and opens accounts, only a reservation applet of a client side is required to scan the two-dimensional code of the enterprise business license, basic information on the enterprise business license is filled and complemented, personal information of legal persons and financial responsible persons is automatically filled through the identity cards of the legal persons and the financial responsible persons, and image data of the identity cards and the business license are uploaded; then selecting an account opening net point and an account opening time period through a reservation applet; and supplementing other reservation information, and automatically generating an account opening reservation number by the system after submitting the reservation information. The reservation applet comprises a WeChat applet, a reservation APP and a webpage, and a user can remotely reserve through the proper reservation applet according to own needs.
After the intelligent account opening end of the bank receives the reservation information of the reservation account opening enterprise, the account opening physical examination can be carried out on the reservation information according to the reservation number, the account opening information is pre-checked according to the reservation information, the passing reservation account opening enterprise is checked, reservation success information is sent through a short message, and the reservation account opening network point and the incoming time period are informed; and informing the reasons of the failure of preprocessing by the enterprises with the reservation information or the enterprises not conforming to the account opening information, and updating the account opening processing progress.
When the client side and the bank intelligent account opening end perform data interaction, the bank end can also acquire information of a new account opening enterprise in the district and enterprise information of a nearby website reserved account opening from the bank intelligent account opening end through a network, and push products through the network, so that a multidimensional accurate positioning client is realized.
A general public account management system of a commercial bank will be described in detail with reference to the accompanying drawings.
Referring to fig. 1, a commercial bank-to-public account integrated management system includes a bank management system 10, wherein the bank management system 1 includes a public account management system 11 and an institution credit code management system 12, and the bank management system 10 is respectively connected with a public security system and a commercial management system, and further includes an account opening system platform 20 and an auxiliary service platform 30; the bank management system 10 is in data connection with the account opening system platform 20, and the account opening system platform 20 is in data connection with the auxiliary service platform 30; the account opening system platform 20 comprises an account opening integrated machine platform 21, a bank enterprise extension platform 22 and an account opening reservation platform 23; the auxiliary service platform 30 comprises a short message platform 31, an image platform 32 and a micro-message public number 33;
the short message platform 31 is configured to send reservation information, verification information and status prompt information to a user by means of a short message;
the image platform 32 is used for collecting image information of a user, an identity card or a business license, and comparing and verifying the image information with image information in a database;
the micro-signal public number 33 is used for providing functions of information push, inquiry of nearby network points, reservation of account opening and inquiry of reservation state;
the account opening integrated machine platform 21 is respectively in data interconnection with the bank enterprise account opening platform 22 and the account opening reservation platform 23, and the account opening integrated machine platform 21 comprises an account opening preprocessing module 211, a quick account opening module 212, a certificate identification module 213, an industrial and commercial data anti-display module 215, an automatic reporting and standby module 214, a batch annual inspection module 216, an account opening physical examination module 217 and a data comparison module 218;
the account opening preprocessing module 211 is configured to query basic information of an account opening enterprise reserved in the database through a reserved number, check up information of the account opening enterprise reserved, pre-check the reserved information, and inform the account opening enterprise of the transaction through a short message platform through the pre-checked account opening enterprise reserved;
the rapid account opening module 212 is used for checking the reservation information and the business information of the reserved account opening enterprise after pretreatment, automatically generating a reverse display page of the enterprise information according to the basic information of the reserved account opening enterprise, editing and configuring other account opening information of the reserved account opening enterprise, and rapidly opening accounts;
the quick account opening module 212 is further used for performing business license information input, legal person information input and financial principal information input on the enterprise without reservation for account opening, verifying and checking basic business information of the enterprise without reservation for account opening, editing and configuring other account opening information of the enterprise without reservation for account opening, and quickly opening an account; the legal person information input and the financial responsible person information input comprise identity card information input, field photo input, field video input and field voice input;
the certificate identification module 213 is used for acquiring business license information and identity card information, and respectively accessing the acquired information into a bank management system and a public security system for comparison and verification to identify the authenticity of the business license information and the identity card information;
the business data back display module 215 is used for acquiring business license information or legal identity card information, accessing a bank management system and a public security system respectively, calling the business license information and other social information of the legal, and displaying through a back display page;
the automatic backup reporting module 214 is configured to check whether the account opening information is correct and complete, and automatically report the account opening information and account change and account withdrawal operation to the bank management system for updating and backup;
the batch annual inspection module 216 is used for accessing an industrial and commercial management system, calling the industrial and commercial information of the account opening enterprise, comparing whether the account opening enterprise information recorded in the bank management system 10 is consistent with the industrial and commercial information called in the industrial and commercial management system, and performing annual inspection identification on the account opening enterprise with the consistency in check, if the account opening enterprise is inconsistent with the account opening enterprise, performing on-the-plane check with an enterprise legal person or a financial responsible person, and updating data for uploading;
the data comparison module 218 is used for periodically checking account information of the account opening enterprise and business information of the account opening enterprise, and comparing and updating the account information and the business information in the business management system;
the banking and enterprise topology platform 22 is used for acquiring new account opening enterprise information in jurisdictions and new enterprise information of nearby network points, and pushing products of the acquired enterprise information;
the account opening reservation platform 23 is used for acquiring business license information and identity card information, providing reservation account opening according to the acquired information and generating a reservation number; the account opening reservation platform is also used for inquiring the account opening business progress and inquiring nearby account opening network points in real time.
Further, the intelligent account opening end of the bank comprises a counter account opening integrated machine and a mobile account opening flat plate, wherein a printer is arranged on the counter account opening integrated machine, and a fingerprint acquisition module and an image acquisition module are respectively arranged on the counter account opening integrated machine and the mobile account opening flat plate. The counter account opening integrated machine is used for bank counter account opening and handling, and the mobile account opening flat plate is used for business mobile account opening and handling. In the enterprise account opening and handling process, since corporate legal persons can not reach a bank counter for handling due to business reasons in many times, the account opening and handling process can be directly carried out on a company through the mobile account opening flat plate, and in the account opening and handling process, business license scanning, identity card scanning, signature audio and video recording and the like can be carried out through the mobile account opening flat plate, so that the normalization and safety of account opening are ensured, and electronic account opening information is filled in and uploaded through the mobile account opening flat plate, so that the problem of heavy workload of staff caused by the traditional adoption of paper information is avoided.
Example 2:
the embodiment discloses a public account comprehensive management method based on embodiment 1, which specifically comprises the following steps:
s1, acquiring reservation account opening information: acquiring reservation account opening information uploaded by a reservation account opening enterprise, and distributing reservation numbers according to the reservation account opening information; the appointment account opening information comprises business license information, legal identity card information, financial responsible person identity card information, appointment account opening network points, appointment account opening time periods and contact modes;
s2, account opening pretreatment: the method comprises the steps of calling reservation account opening information of a reservation account opening enterprise according to a reservation number, carrying out physical examination and pre-examination on the reservation account opening information, sending reservation success information to a contact person of the reservation account opening enterprise through a short message platform if the physical examination and the pre-examination are passed, and sending a preprocessing failure reason through the short message platform if the physical examination and the pre-examination are not passed;
s3, quick account opening: acquiring the reservation account opening enterprise through pretreatment through the reservation number, auditing account opening information of the reservation account opening enterprise, accessing a bank management system, a public security system and an industrial and commercial management system according to the account opening information provided by the reservation account opening enterprise to perform information verification and information back display, filling other account opening information to perform account opening processing if the verification is passed, and warning and displaying a failure reason if the verification is passed; the account opening information comprises basic business information, legal identity information, financial responsible person identity information, contact person information and account opening account information;
s4, information report preparation: maintaining and checking account information of successful account opening, and rapidly reporting changed and withdrawn accounts in the account information to a bank management system;
s5, annual account inspection: and (3) calling the business information of the account opening enterprise and the stock account information of each website, comparing whether the account information of the stock account information of each website and the bank management information is consistent with the business information called in the business management system, and carrying out annual inspection identification on the account opening enterprise which is checked to be consistent.
When the account opening pretreatment is carried out, the account opening pretreatment comprises the steps that an account opening enterprise reserved through a reservation platform is pretreated, a teller can inquire basic information of the reserved account opening enterprise according to the reservation number, carry out account opening physical examination, carry out pre-auditing on the account opening information according to the reservation information of the reserved account opening enterprise, audit the passing enterprise, send reservation success information through a short message, and inform an account opening time period; the reservation information is wrong or is not in line with the enterprises of the account opening information, the short message informs the reason of the preprocessing failure. Updating the account opening processing progress.
When the account is opened quickly, the method comprises the steps that after pretreatment and audit are passed for an account opening enterprise reserved through a reservation platform, all reservation basic information is called through reservation numbers, and the total enterprise business information is automatically reflected according to the basic business information, such as enterprise names, institution credit codes and the like; configuring a product type; editing other account opening necessary filling information; and a new account is established.
When the account is opened rapidly, for an account opening enterprise which is not reserved through an account opening reservation platform, scanning a business license two-dimensional code through an account opening integrated machine to obtain full basic business information, scanning basic personal information of legal persons and financial charge persons through an identity card scanner, calling a head office networking check interface through a double-record camera to verify the identity information, verifying account information through a bank management system, carrying out a series of account opening physical examination, and configuring product types and protocol types for legal persons and financial charge persons after the physical examination is passed; and recording the facial mask, recording and storing the facial mask video, and establishing a new account.
After the rapid account opening is successful, the method also comprises a form printing step, and after the account opening information is stored successfully, a bank teller can print the form according to the requirement. The bank teller can click a printing button according to the selected form, the system automatically fills data into the WORD form to call the printer to print the form, and can print again and send an HTTP request, call an electronic seal system in a line, print an electronic seal in the form, and can generate an anti-counterfeiting two-dimensional code.
After the quick account opening is successful, the method further comprises an information synchronization step, and after the account opening information is stored successfully, a bank teller can upload the account opening information to a bank management system by a system one-piece uploading button, the system sends an HTTP request, invokes an intra-line interface.
In the information reporting and preparing process, a bank teller can click a reporting and preparing button according to a system button to acquire account opening information and check the correctness and the integrity of the account opening information. And the latest state of the enterprise account, such as changing, withdrawing the account, etc., is reported to the bank management system by one key.
In the annual inspection process of the account, account information of the annual inspection enterprises is imported in batches, stock account information in the bank management system is exported from a bank management system server by one key, the account information of the annual inspection enterprises is checked and compared according to the latest business information in the business management system, and if the data of the two parties are consistent, clients are prompted according to the returned state codes, and annual inspection identifiers are automatically generated. If the data of the two parties are inconsistent, a report is generated, and the inconsistent enterprises are identified and alerted.
The annual inspection method through electronic data comparison solves the problems that the traditional method needs to send the client paper data to the counter, and check and audit one by one, so that the annual inspection workload is huge, omission is easy, the time is not enough, and the bundling and handling efficiency is low.
After the rapid user opening is successful, the method further comprises the step of data checking, the system automatically and periodically downloads account data of each website, sends an HTTP request, calls a data interface of a third party business management system, and performs data comparison. In the process of data comparison, the period of check can be automatically configured, the comparison is carried out in what time period, and the fields and the like need to be compared.
When the account opening pretreatment is carried out, the method further comprises an account opening physical examination step, specifically, whether three element information is consistent or not is confirmed according to personal identification card numbers, telephone numbers, names of legal persons, financial responsible persons and the like, and if the three element information is inconsistent, the qualification of the enterprise for opening the account can be cancelled.
When a general account is opened, a bank management system is used for acquiring whether the basic account state of the people's bank is a long-time account of the people, and if so, the enterprise can be informed to continue opening the account after processing the long-time account. Further, the method also comprises the step of calling a bank management system to check an account management database and inquiring whether the account has already been opened by the basic user.
The invention can carry out online reservation account opening through the client, feeds the account opening information back to the account opening reservation platform through the electronic version, and the account opening reservation platform sends the account opening information of the reserved account opening enterprise to the account opening preprocessing module for preprocessing, so that the steps of data filling and data auditing of early-stage bank staff are avoided, the account opening program is saved, and the account opening workload is reduced; the method can collect double records of the responsible person of the open-account enterprise, and audit and back display of business license and legal information of the open-account enterprise, so that risks brought to banks by false account opening or elder Lai legal persons are avoided.
The foregoing examples merely illustrate specific embodiments of the invention, which are described in greater detail and are not to be construed as limiting the scope of the invention. It should be noted that it will be apparent to those skilled in the art that several variations and modifications can be made without departing from the spirit of the invention, which are all within the scope of the invention.
Claims (10)
1. The commercial bank integrated management system for the public account comprises a bank management system, wherein the bank management system comprises a public account management system and an organization credit code management system, and the bank management system is also respectively connected with a public security system and an industrial and commercial management system, and is characterized by further comprising an account opening system platform and an auxiliary service platform; the bank management system is connected with the account opening system platform in data, and the account opening system platform is connected with the auxiliary service platform in data; the account opening system platform comprises an account opening integrated machine platform, a bank enterprise extension platform and an account opening reservation platform; the auxiliary service platform comprises a short message platform, an image platform and a micro-message public number;
the short message platform is used for sending reservation information, verification information and state prompt information to a user in a short message mode;
the image platform is used for collecting image information of a user, an identity card or a business license, and comparing and verifying the image information with the image information in the database;
the micro-signal public number is used for providing functions of information push, nearby website inquiry, account opening reservation and reservation state inquiry;
the account opening integrated machine platform is respectively in data interconnection with the bank enterprise account opening platform and the account opening reservation platform and comprises an account opening preprocessing module, a rapid account opening module, a certificate identification module, an industrial and commercial data back-display module, an automatic backup module, a batch annual inspection module, an account opening physical examination module and a data comparison module;
the account opening preprocessing module is used for inquiring basic information of an account opening enterprise reserved in the database through the reserved number, checking information of the account opening enterprise reserved, pre-checking the reserved information, and informing the account opening enterprise of the transaction through a short message platform through the pre-checked account opening enterprise reserved;
the rapid account opening module is used for checking the reservation information and the business information of the reserved account opening enterprises after pretreatment, automatically generating a reverse display page of the enterprise information according to the basic information of the reserved account opening enterprises, editing and configuring other account opening information of the reserved account opening enterprises, and rapidly opening accounts;
the rapid account opening module is also used for carrying out business license information input, legal person information input and financial principal information input on the enterprise which does not reserve the account opening, verifying and checking basic business information of the enterprise which does not reserve the account opening, editing and configuring other account opening information of the enterprise which does not reserve the account opening, and rapidly opening the account; the legal person information input and the financial responsible person information input comprise identity card information input, field photo input, field video input and field voice input;
the certificate identification module is used for acquiring business license information and identity card information, and respectively accessing the acquired information into a bank management system and a public security system for comparison and verification to identify the authenticity of the business license information and the identity card information;
the business data back display module is used for acquiring business license information or legal identity card information, accessing a bank management system and a public security system respectively, calling the business license information and other social information of the legal, and displaying through a back display page;
the automatic backup reporting module is used for checking whether the account opening information is correct and complete, and automatically reporting the account opening information and account changing and account withdrawal operation to a bank management system for updating and backup;
the batch annual inspection module is used for accessing an industrial and commercial management system, calling industrial and commercial information of an account opening enterprise, comparing whether the account opening enterprise information recorded in the bank management system is consistent with the industrial and commercial information called in the industrial and commercial management system, performing annual inspection identification on the account opening enterprise with consistency in check, and performing on-the-plane check with an enterprise legal person or a financial responsible person and updating data for uploading if the check is inconsistent;
the data comparison module is used for periodically checking account information of the account opening enterprise and business information of the account opening enterprise, and comparing and updating the account information and the business information in the business management system;
the bank enterprise topology platform is used for acquiring new account opening enterprise information in jurisdictions and newly-increased enterprise information of nearby network points, and pushing products of the acquired enterprise information;
the account opening reservation platform is used for acquiring business license information and identity card information, providing reservation account opening according to the acquired information and generating a reservation number; the account opening reservation platform is also used for inquiring the account opening business progress and inquiring nearby account opening network points in real time.
2. The integrated management system for public accounts of commercial banks according to claim 1, further comprising a client, a bank end, a bank intelligent account opening end and a bank management server, wherein a reservation applet is integrated in the client, and the reservation applet is in data interconnection with an account opening reservation platform; the reservation applet comprises a mini applet, a webpage and a reservation APP; a bank enterprise extension platform is integrated in the bank end; an account opening system platform is integrated in the bank intelligent account opening end; a bank management system is integrated in the bank management server; the client is respectively connected with the bank end and the bank intelligent account opening end through a network, the bank end is connected with the bank intelligent account opening end through the network, and the bank intelligent account opening end is connected with the bank management server through the network.
3. The integrated business bank-to-public account management system of claim 2, wherein the intelligent account opening end of the bank comprises a counter account opening integrated machine and a mobile account opening flat plate.
4. The integrated management system for public accounts of commercial banks according to claim 2 or 3, wherein the counter account opening integrated machine is provided with a printer, and the counter account opening integrated machine and the mobile account opening flat plate are respectively provided with a fingerprint acquisition module and an image acquisition module.
5. The utility model provides a business bank to public account integrated management method which is applied to the business bank to public account integrated management system of claim 1, comprising the following steps:
s1, acquiring reservation account opening information: acquiring reservation account opening information uploaded by a reservation account opening enterprise, and distributing reservation numbers according to the reservation account opening information; the appointment account opening information comprises business license information, legal identity card information, financial responsible person identity card information, appointment account opening network points, appointment account opening time periods and contact modes;
s2, account opening pretreatment: the method comprises the steps of calling reservation account opening information of a reservation account opening enterprise according to a reservation number, carrying out physical examination and pre-examination on the reservation account opening information, sending reservation success information to a contact person of the reservation account opening enterprise through a short message platform if the physical examination and the pre-examination are passed, and sending a preprocessing failure reason through the short message platform if the physical examination and the pre-examination are not passed;
s3, quick account opening: acquiring the reservation account opening enterprise through pretreatment through the reservation number, auditing account opening information of the reservation account opening enterprise, accessing a bank management system, a public security system and an industrial and commercial management system according to the account opening information provided by the reservation account opening enterprise to perform information verification and information back display, filling other account opening information to perform account opening processing if the verification is passed, and warning and displaying a failure reason if the verification is passed; the account opening information comprises basic business information, legal identity information, financial responsible person identity information, contact person information and account opening account information;
s4, information report preparation: maintaining and checking account information of successful account opening, and rapidly reporting changed and withdrawn accounts in the account information to a bank management system;
s5, annual account inspection: and (3) calling the business information of the account opening enterprise and the stock account information of each website, comparing whether the account information of the stock account information of each website and the bank management information is consistent with the business information called in the business management system, and carrying out annual inspection identification on the account opening enterprise which is checked to be consistent.
6. The method according to claim 5, wherein the step S2 is performed by a counter account opening machine for opening an account at a website or by moving an account opening plate for remote account opening.
7. The method for integrated management of public accounts according to claim 5 or 6, wherein in step S2, the method further comprises an operation of opening an account for an unreserved enterprise, and specifically comprises:
basic business information is obtained through a counter account opening integrated machine or a mobile account opening flat scanning business license;
acquiring legal person identity information and financial responsible person identity information through a counter account opening integrated machine or a mobile account opening flat scanning identity card;
image acquisition and verification are carried out on a legal person through a counter account opening integrated machine or a camera and a pickup of a mobile account opening flat plate;
verifying whether account information exists in an account opening enterprise through a bank management system, and performing account opening physical examination;
configuring a product type and a protocol type for an account opening enterprise, starting a double-recording label, uploading and storing a video of the double-recording label;
the account of the account opening enterprise is edited and enabled.
8. The method for integrated management of public accounts according to claim 5, further comprising a form printing step after step S3, specifically comprising:
form information of an account opening enterprise is obtained, and the form information is automatically pushed to a printer for printing;
before the form information is printed, an anti-counterfeiting two-dimensional code is also generated in the form through the electronic seal.
9. The method for integrated management of public accounts according to claim 5, further comprising an information synchronization step after step S3, specifically comprising:
and uploading account opening information of an account opening enterprise to a bank management system through an intra-row interface for storage and backup.
10. The method for integrated management of public accounts according to claim 5, further comprising a data checking step after step S4, specifically comprising:
and periodically downloading account data in the bank management system, calling the business information in the business management system, and comparing the data of the account information.
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| CN201910077410.9A CN111768013B (en) | 2019-03-30 | 2019-03-30 | Commercial bank public account comprehensive management system and method |
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| CN113052690B (en) * | 2021-04-30 | 2024-02-02 | 中国银行股份有限公司 | Account opening business handling method and system |
| CN113689286A (en) * | 2021-08-20 | 2021-11-23 | 辽宁振兴银行股份有限公司 | Counter networking checking system |
| CN113869886A (en) * | 2021-11-18 | 2021-12-31 | 中国建设银行股份有限公司 | Data processing method, data processing apparatus, electronic device, medium, and computer program |
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| KR20150074445A (en) * | 2013-12-24 | 2015-07-02 | (주)캡소프트 | Method and apparatus for opening bank account |
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