CN112686745A

CN112686745A - Financial account change processing method and device, computer equipment and storage medium

Info

Publication number: CN112686745A
Application number: CN202011573331.6A
Authority: CN
Inventors: 朱晨; 贾林; 何木成
Original assignee: Ping An Trust Co Ltd
Current assignee: Ping An Trust Co Ltd
Priority date: 2020-12-24
Filing date: 2020-12-24
Publication date: 2021-04-20

Abstract

The invention discloses a financial account change processing method and device, computer equipment and a storage medium. The method comprises the following steps: acquiring an account change request, wherein the account change request comprises a financial account to be changed and data to be changed, and the data to be changed comprises an information item to be changed and account information to be changed; the authenticity of the data to be changed is checked, and an authenticity checking result is obtained; if the audit is passed, sending the data to be changed to a preliminary audit node to obtain a preliminary audit result; if the verification is passed, generating a legal verification code based on the data to be changed, acquiring an original change form based on the legal verification code and the data to be changed, and sending the original change form to an associated system for supplementary verification through a private line data transmission interface; and receiving the updating response information of the correlation system, and updating the current account information recorded in the target database by adopting the account information to be changed. The method can realize that the account information of the financial account to be changed is changed in two financial systems at the same time, and ensure the consistency and the safety of the account information.

Description

Financial account change processing method and device, computer equipment and storage medium

Technical Field

The invention relates to the technical field of financial science and technology, in particular to a financial account change processing method and device, computer equipment and a storage medium.

Background

Currently, in the process of participating in financial activities, users need to open their respective financial accounts in different associated systems, for example, a bank account needs to be opened in a banking system, a trust account needs to be opened in a trust system, a security account needs to be opened in a security system, and an insurance account needs to be opened in an insurance system. The financial accounts such as the trust account, the security account and the insurance account are bound with a specific bank account in the account opening process, so that account information of the financial accounts such as the trust account, the security account and the insurance account changes, account information recorded in the two financial systems changes, and the financial accounts such as the trust account, the security account and the insurance account are consistent in the two financial systems so as to guarantee normal use of the financial accounts. In the process of changing account information of two financial accounts with an incidence relation, such as a trust account, a security account, an insurance account and the like, the financial systems with the incidence relation are not connected with a bank system, so that the change information needs to be interacted through mails, short messages or offline, the safety of the change information cannot be guaranteed, and the process relates to repeated recording, verification, storage and other operations of the change information between different financial systems, so that the resource waste is caused, the work efficiency is not favorably improved, and the cost is saved.

Disclosure of Invention

The embodiment of the invention provides a financial account change processing method, a financial account change processing device, computer equipment and a storage medium, and aims to solve the problems of repeated operation and safety among different financial systems in the account information change process of financial accounts related to different financial systems.

A financial account change processing method comprises the following steps executed by a target system:

acquiring an account change request, wherein the account change request comprises a financial account to be changed and data to be changed corresponding to the financial account to be changed, and the data to be changed comprises an information item to be changed and account information to be changed corresponding to the information item to be changed;

verifying the authenticity of the data to be changed to obtain an authenticity verification result;

if the authenticity auditing result is that the auditing is passed, sending the data to be changed to a preliminary auditing node, and acquiring a preliminary auditing result returned by the preliminary auditing node;

if the preliminary audit result is that the audit is passed, generating a legal verification code based on the data to be changed, acquiring an original change form based on the legal verification code and the data to be changed, and sending the original change form to an associated system corresponding to the financial account to be changed for supplementary audit through a private line data transmission interface;

and receiving update response information formed after the associated system performs supplementary checking, and updating the current account information corresponding to the information item to be changed recorded in the target database by adopting the account information to be changed corresponding to the information item to be changed, wherein the update response information is response information formed after the associated database finishes updating the account information corresponding to the financial account to be changed.

A financial account change processing apparatus comprising:

the account change request acquisition module is used for acquiring an account change request, wherein the account change request comprises a financial account to be changed and data to be changed corresponding to the financial account to be changed, and the data to be changed comprises an information item to be changed and account information to be changed corresponding to the information item to be changed;

the authenticity auditing result acquiring module is used for auditing the authenticity of the data to be changed and acquiring an authenticity auditing result;

a preliminary audit result obtaining module, configured to send the data to be changed to a preliminary audit node if the authenticity audit result is that the audit is passed, and obtain a preliminary audit result returned by the preliminary audit node;

the original change form sending module is used for generating a legal verification code based on the data to be changed if the preliminary verification result is that verification is passed, acquiring an original change form based on the legal verification code and the data to be changed, and sending the original change form to a correlation system corresponding to the financial account to be changed for supplementary verification through a private line data transmission interface;

and the target system account changing module is used for receiving updating response information formed after the associated system is subjected to supplementary review, updating the current account information corresponding to the information item to be changed recorded in the target database by adopting the account information to be changed corresponding to the information item to be changed, wherein the updating response information is response information formed after the associated database finishes updating the account information corresponding to the financial account to be changed.

A financial account change processing method comprises the following steps executed by an association system:

the method comprises the steps of receiving an original change form which is sent by a target system and is associated with a financial account to be changed through a private line data transmission interface, analyzing the original change form, and obtaining a legal verification code and data to be changed, wherein the original change form is a form formed after authenticity verification and preliminary verification are carried out on the data to be changed, and the data to be changed comprises information items to be changed and account information to be changed corresponding to the information items to be changed;

performing security verification based on the legal verification code and the data to be changed to obtain a security verification result;

if the safety verification result is that the verification is passed, performing supplementary verification on the data to be changed to obtain a supplementary verification result;

and if the supplementary audit result is that the audit is passed, updating the current account information corresponding to the information item to be changed recorded in the association database by adopting the account information to be changed corresponding to the information item to be changed, and sending update response information to the target system so as to update the current account information corresponding to the information item to be changed recorded in the target database.

A financial account change processing apparatus comprising:

a computer device comprising a memory, a processor and a computer program stored in the memory and executable on the processor, the processor implementing the above financial account change processing method when executing the computer program.

A computer-readable storage medium storing a computer program which, when executed by a processor, implements the above-described financial account change processing method.

According to the financial account change processing method and device, the computer equipment and the storage medium, the target system is beneficial to guaranteeing the account safety in the financial account change process to be changed by checking the authenticity of all account information to be changed. And when the authenticity audit result is that the audit is passed, sending the data to be changed to the preliminary audit node to obtain a preliminary audit result, and when the preliminary audit result is that the audit is passed, sending the original change form to the associated system for supplementary audit so as to guarantee the comprehensiveness of the audit, thereby ensuring the account safety in the process of changing the financial account to be changed, avoiding repeated audit, and achieving the purposes of avoiding the waste of audit data, improving the audit efficiency and saving the audit cost. And receiving update response information sent by the supplementary audit of the association system, updating the current account information corresponding to the information item to be changed recorded in the target database by adopting the account information to be changed corresponding to the information item to be changed, so that the update of the account information corresponding to the financial account to be changed in the association system and the target system is completed, the consistency of the account information corresponding to the financial account to be changed in the association system and the target system is favorably ensured, and the normal state of the financial account to be changed is ensured.

According to the financial account change processing method and device, the computer equipment and the storage medium, the correlation system analyzes the received original change form, and after the legal verification code and the data to be changed are obtained, safety verification is firstly carried out on the basis of the legal verification code and the data to be changed, so that the safety of updating account information corresponding to the financial account to be changed is guaranteed; and then, performing supplementary audit on the data to be changed to obtain a supplementary audit result, and performing supplementary audit on the data to be changed to ensure the comprehensiveness of the audit, avoid repeated audit with a target system, and achieve the purposes of avoiding audit data waste, improving audit efficiency and saving audit cost. When the supplementary audit result is that the audit is passed, updating the current account information corresponding to the information item to be changed recorded in the association database by adopting the account information to be changed corresponding to the information item to be changed, and ensuring the updating safety of the account information corresponding to the financial account to be changed; and sending update response information to the target system to remind the target system of updating the current account information corresponding to the information item to be changed recorded in the target database, so that the update of the account information corresponding to the financial account to be changed in the association system and the target system is completed, the consistency of the account information corresponding to the financial account to be changed in the association system and the target system is favorably ensured, and the normal financial account to be changed is ensured.

Drawings

In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the drawings needed to be used in the description of the embodiments of the present invention will be briefly introduced below, and it is obvious that the drawings in the following description are only some embodiments of the present invention, and it is obvious for those skilled in the art that other drawings can be obtained according to these drawings without inventive labor.

FIG. 1 is a schematic diagram of an application environment of a financial account change processing method according to an embodiment of the present invention;

FIG. 2 is a flow chart of a financial account change processing method according to an embodiment of the present invention;

FIG. 3 is another flow chart of a method for financial account change handling in accordance with an embodiment of the present invention;

FIG. 4 is another flow chart of a method for financial account change handling in accordance with an embodiment of the present invention;

FIG. 5 is another flow chart of a method for financial account change handling in accordance with an embodiment of the present invention;

FIG. 6 is another flow chart of a method for financial account change handling in accordance with an embodiment of the present invention;

FIG. 7 is another flow chart of a method of financial account change handling in accordance with an embodiment of the present invention;

FIG. 8 is a schematic diagram of a financial account change processing apparatus according to an embodiment of the present invention;

FIG. 9 is another schematic diagram of a financial account change processing apparatus according to an embodiment of the present invention;

FIG. 10 is a schematic diagram of a computer device according to an embodiment of the invention.

Detailed Description

The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are some, not all, embodiments of the present invention. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.

The financial account change processing method provided by the embodiment of the invention can be applied to the application environment shown in fig. 1. Specifically, the financial account change processing method is applied to a financial system, and the financial system can be a bank system, and can also be a trust system, a security system and an insurance system which are communicated with the bank system. Each financial system comprises a client and a server, the client and the server are communicated through a network and are used for simultaneously changing the account information of the financial account to be changed in the two financial systems, the consistency of the account information of the financial account to be changed between the two financial systems with an incidence relation is guaranteed, the safety of the account information of the financial account to be changed is maintained, the operations of inputting, verifying, storing and the like of the account information are avoided being repeatedly executed, the processing efficiency of the change of the account information of the financial account to be changed is improved, and the system information and the cost are saved. The client is also called a user side, and refers to a program corresponding to the server and providing local services for the client. The client may be installed on, but is not limited to, various personal computers, laptops, smartphones, tablets, and portable wearable devices. The server may be implemented as a stand-alone server or as a server cluster consisting of a plurality of servers.

In this example, the financial account change processing method may be applied to a bank system, or may be applied to financial systems such as a trust system, a security system, and an insurance system that have an association relationship with the bank system, and for convenience of description, two financial systems that have an association relationship are respectively defined as a target system and an association system, that is, if the bank system is the target system, the financial systems such as the trust system, the security system, and the insurance system that have an association relationship with the bank system are the association systems; if the financial systems such as the trust system, the security system and the insurance system are target systems, the bank system is a correlation system.

In an embodiment, as shown in fig. 2, a financial account change processing method is provided, which is described by taking an example that the method is applied to the target system shown in fig. 1, and is specifically applied to a server of the target system, and the financial account change processing method includes the following steps:

s201: the method comprises the steps of obtaining an account change request, wherein the account change request comprises a financial account to be changed and data to be changed corresponding to the financial account to be changed, and the data to be changed comprises an information item to be changed and account information to be changed corresponding to the information item to be changed.

The account change request is a request for triggering the target system to change the account information corresponding to the financial account to be changed. As an example, a server of a target system may receive an account change request sent by a client, that is, receive an account change request actively triggered by a user operating the client; or, the server of the target system may also obtain the account change request based on the timing detection task; alternatively, the account change request sent by the server of the associated system may be received.

The financial account to be changed is a linked account with account information change, and the linked account is a financial account associated with two financial systems, specifically, a trust account, an insurance account or a security account associated with a bank account. The information item to be changed refers to the item name of the account information which changes currently, such as annual inspection results, registration addresses, legal representatives, account certificates, persistent warning and the like.

The account information to be changed refers to changed account information corresponding to the information item to be changed. For example, the annual inspection result to-be-changed information item is changed from "normal" to "abnormal", the registration address to-be-changed information item is changed from "address 1" to "address 2", the legal representative person to-be-changed information item is changed from "a" to "B", the account certificate to-be-changed information item is changed from the invalid certificate 1 to the valid certificate 2, and the persistent warning is made that the to-be-changed information item is changed from "no" to "yes".

S202: and performing authenticity audit on the data to be changed to obtain an authenticity audit result.

And the authenticity auditing is an auditing process used for auditing whether the account information to be changed corresponding to each information item to be changed is real and effective.

As an example, the server of the target system may perform, according to the authenticity audit program, authenticity audit on account information to be changed corresponding to all information items to be changed in the data to be changed one by one, and obtain a single audit result corresponding to each information item to be changed; if all the single items of audit results corresponding to the information items to be changed are approved, acquiring the authenticity audit results of the approved audit; and if the single item of audit result corresponding to the information item to be changed is that the audit is not passed, acquiring the authenticity audit result of which the audit is not passed. The authenticity auditing program is a processing program which is configured in advance and is used for auditing whether the account information to be changed is real and effective. Understandably, the authenticity verification is carried out on all the account information to be changed, so that the account security in the financial account changing process to be changed is guaranteed.

S203: and if the authenticity audit result is that the audit is passed, sending the data to be changed to the preliminary audit node, and acquiring the preliminary audit result returned by the preliminary audit node.

As an example, when the authenticity audit result is that the audit is passed, the target system sends the data to be changed to a preliminary audit node corresponding to the target system, and performs intelligent audit or manual audit on the preliminary audit node to obtain a preliminary audit result returned by the preliminary audit node. Generally speaking, at a preliminary auditing node, auditing the account information to be changed corresponding to at least one target auditing information item related to a target system, and returning a preliminary auditing result after auditing when the account information to be changed corresponding to all the target auditing information items passes auditing; and returning a preliminary auditing result of which the auditing is not passed when the account information to be changed corresponding to at least one target auditing information item is not passed. The target auditing information item refers to an information item to be changed related to the target system and needing to be audited at the preliminary auditing node.

For example, if the data to be changed includes A, B, C, D, E and F waiting change information items, if the financial system 1 is related to A, B, C and D waiting change information items, and the financial system 2 is related to C, D, E and F waiting change information items, when the target system is the financial system 1, that is, the target audit information items are A, B, C and D waiting change information items, the preliminary audit node needs to perform preliminary audit on the account information to be changed corresponding to the target audit information items such as A, B, C and D, and when the account information to be changed corresponding to the target audit information items such as A, B, C and D is audited, a preliminary audit result of the audit is obtained. When the target system is the financial system 2, the target auditing information items are C, D, E and F waiting for change information items, preliminary auditing needs to be performed on account information to be changed corresponding to the target auditing information items such as C, D, E and F at a preliminary auditing node, and when account information to be changed corresponding to the target auditing information items such as C, D, E and F are approved, a preliminary auditing result of the approval is obtained.

S204: and if the preliminary audit result is that the audit is passed, generating a legal verification code based on the data to be changed, acquiring an original change form based on the legal verification code and the data to be changed, and sending the original change form to an associated system corresponding to the financial account to be changed for supplementary audit through a private line data transmission interface.

The legal verification code is a verification code which is generated in the target system and used for performing security verification on the associated system corresponding to the financial account to be changed.

As an example, the server of the target system may employ a verification code generation tool to process the data to be changed to form a valid verification code, so that the associated system that subsequently receives the original change form performs security verification based on the valid verification code. In this example, the target system extracts information in a target key field in data to be changed, and obtains original key information corresponding to the target key field; and encrypting the original key information corresponding to the target key field by using a target encryption algorithm including but not limited to an MD5 algorithm to form a legal verification code. For example, a character string conversion rule may be adopted to perform character string conversion on the original key information corresponding to the target key field to obtain a feature character string corresponding to the target key field, and then an MD5 algorithm is adopted to process the feature character string corresponding to the target key field to obtain a valid verification code with irreversibility and uniqueness. The target encryption algorithm is used for information transmission between the target system and the associated system corresponding to the financial account to be changed. The target key field extracts a field corresponding to information for generating a legal verification code, such as a certificate number field or a time stamp field, from the data to be changed.

As an example, a server of the target system obtains a change form template, and fills the legal verification code, the information item to be changed in the data to be changed, and the account information to be changed corresponding to the information item to be changed into the change form template to form an original change form. In this example, obtaining the original change form based on the valid verification code and the data to be changed specifically includes: (1) the method comprises the steps of obtaining a change form template corresponding to a financial account to be changed, wherein the change form template comprises an information item to be filled and an information filling area corresponding to the information item to be filled, and further comprises a printing area and printing requirement information corresponding to the printing area, and the user requirement information comprises a target system name and an associated system name. (2) And determining account information to be changed corresponding to the information item to be changed matched with the information item to be filled as target information to be filled corresponding to the information item to be filled from the data to be changed. (3) And respectively filling the legal verification code and the target information to be filled into an information filling area corresponding to the information item to be filled to form an original change form, wherein the original change form comprises a blank printing area and printing demand information corresponding to the printing area, so that a corresponding electronic seal is stamped in the printing area after the audit of each link is passed, and the audit process of account information change of the financial account to be changed is completed. The change form template is formed based on data required to be checked and checked in the account change process of the financial account to be changed and a checking process. In this example, the change form template includes a user information area and an audit information area, and the user information area includes information items to be filled and an information filling area corresponding to the information items to be filled; the audit information area comprises a printing area and printing demand information corresponding to the printing area. The information item to be filled is the item name of the information needing to be checked in the account changing process. The information filling area is an area for filling information corresponding to the information item to be filled. The stamp area is an area of the original modification form to which an electronic stamp needs to be applied. The seal requirement information is information for reflecting which electronic seal needs to be applied to a certain seal area. In this example, the change form template includes at least the information item to be filled in for filling in the legitimate verification code.

The dedicated data transmission interface is a dedicated interface for data transmission between the target system and the associated system.

As an example, the target system sends the original change form to the associated system corresponding to the financial account to be changed for supplementary auditing through the dedicated data transmission interface, so as to ensure the security of the communication of the original change form between the target system and the associated system, and to contribute to improving the data transmission efficiency. Understandably, when the target system is subjected to preliminary audit and the preliminary audit result is that the audit passes, the original change form is sent to the associated system for supplementary audit so as to guarantee the comprehensiveness of the audit and avoid repeated audit, thereby achieving the purposes of avoiding the waste of audit data, improving the audit efficiency and saving the audit cost.

S205: and receiving update response information formed after the associated system performs supplementary checking, and updating the current account information corresponding to the information item to be changed recorded in the target database by adopting the account information to be changed corresponding to the information item to be changed, wherein the update response information is response information formed after the associated database finishes updating the account information corresponding to the financial account to be changed.

Wherein the target database is a system database communicatively coupled to a server of the target system.

As an example, the target system receives, through the dedicated data transmission interface, update response information sent by the association system, where the update response information is response information formed after the association database has updated account information corresponding to the financial account to be changed, that is, the update response information is response information formed after the association system performs the steps S601-S604, and performs security verification, supplementary audit and account information update on the association database. And then, the target system updates the current account information corresponding to the information item to be changed recorded in the target database by adopting the account information to be changed corresponding to the information item to be changed. For example, if the account information to be changed corresponding to a certain information item to be changed is AA and the current account information corresponding to the corresponding information item to be changed recorded in the target database is BB, the current account information BB is replaced with the account information to be changed AA, so that after the updating operation, the current account information corresponding to the information item to be changed recorded in the target database is AA, and the updating of the account information corresponding to the financial account to be changed in the target system is completed.

For example, if the information item to be changed is a target certificate, such as an identity card, a driver's license or other certificates, the corresponding account information to be changed is an identity card image, a driver's license image or other certificate image which is changed and is within a legal validity period; the changed ID card image, the driver license image or other certificate images can be adopted to change the ID card image, the driver license image or other certificate images which are stored in a target database corresponding to the target system in advance and are associated with the financial account to be changed, so that the target account information corresponding to the financial account to be changed is changed in real time. For another example, if the information item to be changed is a contact address and the corresponding account information to be changed is a changed mobile phone number, the changed mobile phone number is adopted to change the mobile phone number stored in the target database corresponding to the target system in association with the financial account to be changed, so as to implement real-time change of the target account information corresponding to the financial account to be changed.

As an example, the target system receives, through the dedicated line data transmission interface, update response information and an associated modified form that are formed after the associated system supplements and checks, where the associated modified form is a form in an image format formed after an associated stamp image corresponding to the associated system is added to the original modified form. After receiving the associated change form of the image format, the target system needs to execute a seal obtaining interface to obtain a target seal image corresponding to the name of the target system; performing transparentization processing on the target seal image to obtain a target transparent image; the center of the target transparent image is overlapped with the center of the application area corresponding to the name of the target system in the associated change form, the target transparent image and the associated change form are synthesized, the target change form in the image format is obtained, the target change form in the image format is stored in the target database, and the target change form is sent to the associated system, so that the associated system stores the target change form, the account information of the financial account to be changed is managed in a unified and standard mode, and the change operation of the account information of the financial account to be changed is completed. In this example, the processing procedure of the target system for stamping the electronic seal corresponding to the target system on the associated modified form is similar to the processing procedure of the associated system for stamping the electronic seal corresponding to the associated system on the original modified form (i.e., steps S701 to S704), and therefore, for avoiding repetition, details are not repeated here.

In the financial account change processing method provided by the embodiment, the authenticity of all the account information to be changed is checked, which is helpful for guaranteeing the account security in the financial account change process to be changed. And when the authenticity audit result is that the audit is passed, sending the data to be changed to the preliminary audit node to obtain a preliminary audit result, and when the preliminary audit result is that the audit is passed, sending the original change form to the associated system for supplementary audit so as to guarantee the comprehensiveness of the audit, thereby ensuring the account safety in the process of changing the financial account to be changed, avoiding repeated audit, and achieving the purposes of avoiding the waste of audit data, improving the audit efficiency and saving the audit cost. And receiving update response information sent by the supplementary audit of the association system, updating the current account information corresponding to the information item to be changed recorded in the target database by adopting the account information to be changed corresponding to the information item to be changed, so that the update of the account information corresponding to the financial account to be changed in the association system and the target system is completed, the consistency of the account information corresponding to the financial account to be changed in the association system and the target system is favorably ensured, and the normal state of the financial account to be changed is ensured.

In an embodiment, as shown in fig. 3, before step S201, that is, before acquiring the account change request, the financial account change processing method further includes:

s301: and executing an information detection plug-in corresponding to the variable information item, acquiring current account information corresponding to the financial account to be changed and the variable information item from the target database, and judging whether the current account information meets the item change condition corresponding to the information detection plug-in.

S302: and if the current account information meets the item change condition, determining the changeable information item as the information item to be changed.

S303: and acquiring the account information to be changed corresponding to all the information items to be changed by adopting the information acquisition interfaces corresponding to all the information items to be changed.

The variable information item is an item name of account information that may change. Generally, in the process of opening an account of each linkage account, account information corresponding to a plurality of collected information items needs to be acquired, and the collected information items are divided into changeable information items and unchangeable information items according to the types of the information items of different collected information items. The alterable information item refers to information items which may change with the passage of time, and includes but is not limited to annual inspection results, registration addresses, legal representatives, account certificates, persistent warnings and the like. The unchangeable information item is an information item that does not change over time, and includes, for example, an identification number and a linked account.

The information detection plug-in is a detection plug-in formed in advance based on the item change condition corresponding to the changeable information item and used for detecting whether the current account information corresponding to the changeable information item meets the corresponding item change condition. For example, the information detection plug-in may be a JavaScript detection plug-in. The target database is used for storing account information corresponding to the target system. The current account information refers to account information currently recorded in the target database and corresponding to the financial account to be changed and the changeable information item. The item change condition is a condition for evaluating whether or not a change has occurred.

As an example, the server of the target system may acquire current account information corresponding to the financial account to be changed and the changeable information item from the target database according to the information detection plug-in corresponding to each changeable information item, and determine whether the current account information satisfies the item change condition corresponding to the information detection plug-in, so as to determine the information item to be changed from the changeable information item. For example, if the account certificate of the variable information item of the identity card is the certificate validity period 2010.06.10-2020.06.10, the current identity card of the financial account to be changed stored in the target database needs to be detected A within the grace period of the certificate validity period, and if the account certificate of the current identity card is still 2010.06.10-2020.06.10, the item change condition corresponding to the account certificate is determined to be satisfied. At this time, the variable information item of the account certificate of the identity card can be determined as the information item to be changed, and the information of the account to be changed is acquired by adopting a new identity card through the information acquisition interface corresponding to the information item to be changed. It can be understood that the account information to be changed refers to changed account information corresponding to the information item to be changed, and the account information to be changed may be text information to be changed, such as an annual inspection result; or the image information to be changed, such as certificate images of various account certificates.

In this example, by executing the information detection plug-in corresponding to the variable information item, it is detected whether the current account information corresponding to the variable information item meets the item change condition corresponding to the variable information item, so as to implement quick determination of the information item to be changed and the account information to be changed, and implement effective detection and monitoring of whether the account information of each financial account to be changed is changed, which is helpful for improving the timeliness of financial account change processing and avoiding forgetting processing to cause the security of the financial account.

In one embodiment, as shown in fig. 4, before step S301, that is, before executing the information detection plug-in corresponding to the variable information item, acquiring current account information corresponding to the financial account to be changed and the variable information item from the target database, and determining whether the current account information satisfies the item change condition corresponding to the information detection plug-in, the financial account change processing method further includes:

s401: and displaying an information acquisition interface corresponding to the financial account to be changed, wherein the information acquisition interface comprises an acquisition information item and an information input box corresponding to the acquisition information item, and loading all the information of the account to be selected corresponding to the acquisition information item to a display area of the information input box corresponding to the acquisition information item.

S402: and receiving target account information corresponding to the prior information item, and if a subsequent information item linked with the prior information item exists, narrowing down the account information to be selected corresponding to the subsequent information item.

S403: and acquiring target account information corresponding to all the acquired information items, and acquiring the information item type corresponding to each acquired information item.

S404: and if the type of the information item corresponding to the acquisition information item is the changeable information item, processing the target account information corresponding to the changeable information item by adopting a detection plug-in tool to form an information detection plug-in corresponding to the changeable information item.

The collected information item is a project name corresponding to the information needing to be collected and input in the account opening process of the financial account to be changed. An information entry box is an interface for a user to fill in information content corresponding to a collected information item, including, but not limited to, a blank entry box and a selection entry box.

As an example, in step S401, the target system controls the client to display an information collection interface, where the information collection interface includes a collection information item and an information input box corresponding to the collection information item, and loads all the account information to be selected corresponding to the collection information item to a display area of the information input box corresponding to the collection information item, so that the user can select the target account information corresponding to the collection information item from the display area.

Wherein the prior information item refers to the prior acquisition information item being input. The target account information refers to the information of one candidate account determined from all the information of the candidate accounts. The following information item refers to an acquisition information item input later. The linked subsequent information item refers to the account information to be selected corresponding to the subsequent information item, wherein the determination of the target account information of the previous information item can be limited.

As an example, in S402, after receiving the target account information corresponding to the previous information item, the target system determines whether the previous information item has a linked subsequent information item; and if the linked subsequent information item exists, updating the account information to be selected of the limited subsequent information item based on the target account information corresponding to the previous information item to ensure the rapid and accurate input of the subsequent information item, and acquiring the data to be changed based on the target account information corresponding to all the acquired information items.

For example, in the collected information items and the corresponding information input boxes displayed on the information collection interface of the target system, if the previous information item input by the user first is the collected information item a, the information input box corresponding to the collected information item a is a drop-down box, three pieces of information to be selected, i.e., account information a1, a2 and A3, can be selected, after the user selects the information item to be selected, i.e., account information a1, the range of the collected information item B (i.e., the next information item) related to the collected information item a is narrowed down, only a11 and a12 corresponding to a1 can be selected, a21, a22 and a23 corresponding to a2 cannot be selected, and a31 and a31 corresponding to A3 cannot be selected again.

Wherein the detection plug-in tool is a pre-configured program code for generating an information detection plug-in. The detection plug-in tool comprises a program code for realizing information change detection, wherein the program code comprises form parameters corresponding to the acquired information items, so that actual parameters are extracted from the target account information acquired by the acquired information items, the actual parameters are assigned to the form parameters, and the detection plug-in tool corresponding to the acquired information items is obtained.

As an example, after the information collection interface inputs the target account information corresponding to all collected information items, the information item type corresponding to each collected information item needs to be acquired. And (4) target account information, such as the identity card number, the financial account to be changed and the like, corresponding to the information item type of the acquired information item which is the information item which cannot be changed is not processed. For target account information of which the information item type corresponding to the acquired information item is a changeable information item, required actual parameters are extracted from the target account information according to a detection plug-in tool corresponding to the changeable information item, and the actual parameters are assigned to corresponding form parameters in the detection plug-in tool so as to acquire the information detection plug-in corresponding to the changeable information item. For example, for the changeable information items related to time, actual parameters such as the current validity period and the grace period may be determined according to the corresponding target account information, thereby forming an information detection plug-in corresponding to each changeable information item. For another example, for a changeable information item which does not relate to time, such as a registration address, the business data interface can be detected in real time to obtain an information detection plug-in for acquiring whether the financial account to be changed is changed.

In this example, in the process of acquiring each acquired information item, the information acquisition interface narrows down the information of the account to be selected corresponding to the subsequent information item based on the information of the target account corresponding to the previous information item, which is helpful to accelerate the acquisition of the information of the target account corresponding to all the acquired information items and improve the processing efficiency. And processing the target account information by adopting a detection plug-in tool according to the type of the information item corresponding to each acquired information item to form a corresponding information detection plug-in so as to realize special detection on the target account information corresponding to the changeable information item in a certain financial account to be changed and ensure the timeliness and effectiveness of financial account change processing.

In an embodiment, as shown in fig. 5, in step S202, performing an authenticity check on the account information to be changed corresponding to the information item to be changed, and acquiring an authenticity check result, where the authenticity check result includes:

s501: and determining the legal source of the information corresponding to each information item to be changed.

S502: and calling a data acquisition interface corresponding to the legal source of the information to acquire real account information corresponding to the information item to be changed.

S503: and adopting the real account information corresponding to the information item to be changed, performing authenticity verification on the account information to be changed corresponding to the information item to be changed, and acquiring a single verification result corresponding to the information item to be changed.

S504: and if the single item of audit results corresponding to all the information items to be changed are audit passed, acquiring the authenticity audit result of the audit passed.

S505: and if the single item of audit result corresponding to the information item to be changed is that the audit is not passed, acquiring the authenticity audit result of which the audit is not passed.

As an example, in step S501, the legal source of information is a real legal source for account information corresponding to a certain information item to be changed. For example, if account information corresponding to a certain information item to be changed is industrial and commercial information, a legal source of the corresponding information is an industrial and commercial system database; and if the account information corresponding to a certain information item to be changed is the identity card information, the legal source of the corresponding information is the public security system database.

As an example, in step S502, the data acquisition interface corresponding to the legal source of information is an interface preset by the target system for accessing an external system database corresponding to the legal source of information. In this example, the target system calls a data acquisition interface corresponding to the legal source of information, acquires search index information matched with the legal source of information from all account information corresponding to the financial account to be changed, forms a data acquisition instruction based on the search index information and the information item to be changed, and acquires real account information corresponding to the data acquisition instruction through the data acquisition interface. For example, if account information corresponding to a certain information item to be changed is business information, the organization code corresponding to the financial account to be changed may be determined as search index information, and a data acquisition instruction is formed based on the search index information and the information item to be changed, so as to obtain real account information corresponding to the information item to be changed. For another example, if the account information corresponding to a certain information item to be changed is id card information, the id card number corresponding to the financial account to be changed may be determined as search index information, and a data acquisition instruction is formed based on the search index information and the information item to be changed, so as to obtain real account information corresponding to the information item to be changed. Understandably, the real account information corresponding to the information item to be changed can be quickly acquired through the data acquisition interface corresponding to the information legal source, so that authenticity verification is facilitated, and account safety in the financial account changing process to be changed is guaranteed.

As an example, the real account information and the account information to be changed corresponding to the information item to be changed may be text information, for example, an annual inspection result. In step S503, the target system processes the real account information corresponding to the information item to be changed and the account information to be changed by using a text similarity algorithm, and determines whether the two are consistent; if the two are consistent, the single item of auditing result corresponding to the information item to be changed is approved; if the two are not consistent, the single item auditing result corresponding to the information item to be changed is that the auditing is not passed, so that the authenticity auditing of the account information to be changed which is represented in the form of text information is realized, the reliability and accuracy of the authenticity auditing are ensured, and the processing efficiency of the authenticity auditing is improved.

As an example, the real account information and the account information to be changed corresponding to the information item to be changed may be image information, for example, a certificate image, which is a real certificate image and a certificate image to be changed, respectively. In step S503, the target system processes the real certificate image corresponding to the information item to be changed and the certificate image to be changed by using an image similarity algorithm, and obtains image similarity. And processing the real certificate image corresponding to the information item to be changed and the certificate image to be changed by adopting OCR (optical character recognition) or other image-text conversion technologies to obtain corresponding real certificate characters and certificate characters to be changed, processing the real certificate characters and the certificate characters to be changed by adopting a text similarity algorithm, judging whether the real certificate characters and the certificate characters to be changed are consistent, and obtaining a character matching result. If the image similarity is greater than a similarity threshold (the similarity threshold is a preset threshold for evaluating whether the similarity of the images is determined to be the same), and the character matching results are consistent, the single item auditing result corresponding to the information item to be changed is that the auditing is passed; if the image similarity is not greater than the similarity threshold value or the character matching results are inconsistent, the single item auditing result corresponding to the information item to be changed is that the auditing is not passed, the reliability and accuracy of the authenticity auditing are guaranteed, and the processing efficiency of the authenticity auditing is improved.

As an example, when the single item of audit results corresponding to all the information items to be changed are audit-passed, the target system obtains the authenticity audit result of the audit-passed; and when the single item of audit result corresponding to the information item to be changed is not approved, acquiring the authenticity audit result which is not approved to ensure the authenticity and validity of the account information to be changed corresponding to all the information items to be changed, and being beneficial to ensuring the account safety in the account information changing process of the financial account to be changed.

In an embodiment, as shown in fig. 6, a financial account change processing method is provided, and the method is applied to the association system shown in fig. 1, and is specifically applied to a server of the association system. The financial account change processing method comprises the following steps:

s601: the method comprises the steps of receiving an original change form which is sent by a target system and is associated with a financial account to be changed through a private line data transmission interface, analyzing the original change form, and obtaining a legal verification code and data to be changed, wherein the original change form is formed after authenticity verification and preliminary verification are carried out on the data to be changed, and the data to be changed comprises information items to be changed and account information to be changed corresponding to the information items to be changed.

The dedicated data transmission interface is a dedicated interface for data transmission between the target system and the associated system. The financial account to be changed is a linked account with account information change, and the linked account is an account related to two financial systems, and specifically may be a trust account, an insurance account, a security account or the like related to a bank account.

As an example, the association system receives the original change form corresponding to the financial account to be changed through the dedicated data transmission interface, so as to ensure the security of the communication between the target system and the association system of the original change form and help to improve the efficiency of data transmission. Moreover, the original modified form is a form formed after the authenticity verification and the preliminary verification are performed on the data to be modified, specifically, the form is formed based on the valid verification code and the data to be modified after the authenticity verification result is that the verification is passed and the preliminary verification result is that the verification is passed, and the forming process is discussed in detail in steps S201 to S204, which is not repeated herein to avoid repetition.

As an example, after receiving the original change form through the dedicated line data transmission interface, the association system needs to analyze and identify the original change form, and obtain the valid verification code and the data to be changed from the original change form. The legal verification code is a verification code which is generated in the target system and used for carrying out security verification on the associated system corresponding to the financial account to be changed. The data to be changed is information related to the financial account to be changed, and the data to be changed comprises the information item to be changed and account information to be changed corresponding to the information item to be changed.

S602: and performing security verification based on the legal verification code and the data to be changed to obtain a security verification result.

As an example, the association system may extract current key information corresponding to the target key field from the data to be changed, and encrypt the current key information by using a target encryption algorithm to obtain a current verification code; if the current verification code is consistent with the legal verification code, acquiring a safety verification result passing the verification; and if the current verification code is inconsistent with the legal verification code, acquiring a safety verification result that the verification fails.

For example, the association system may first execute a query instruction corresponding to the target key field from the data to be changed in the editable format, and quickly extract the current key information corresponding to the target key field from the data to be changed, so as to ensure the efficiency of acquiring the current key information. And then, encrypting the current key information corresponding to all the target key fields by using a target encryption algorithm, such as an MD5 algorithm, and obtaining the current verification code formed after encryption, so that the current verification code has irreversibility, for example, character string conversion rules may be used to perform character string conversion on the current key information corresponding to the target key fields to obtain a feature character string corresponding to the current key information, and then, processing the feature character string corresponding to the current key information by using an MD5 algorithm to obtain the current verification code having irreversibility and uniqueness. Finally, comparing the current verification code with the legal verification code to obtain a safety verification result; if the current verification code is consistent with the legal verification code, the safety verification result passing the verification is obtained; and if the current verification code is inconsistent with the legal verification code, acquiring a safety verification result that the verification fails.

S603: and if the safety verification result is that the verification is passed, performing supplementary verification on the data to be changed to obtain a supplementary verification result.

As an example, when the security verification result is that the verification passes, the association system sends the data to be changed to a supplementary audit node corresponding to the association system, and performs intelligent audit or manual audit at the supplementary audit node to obtain a supplementary audit result returned by the supplementary audit node. Generally speaking, at a supplementary audit node, auditing the account information to be changed corresponding to supplementary audit information items related to an associated system, and returning a supplementary audit result after auditing all the account information to be changed corresponding to all the supplementary audit information items; and returning a supplementary auditing result of which the auditing is not passed when the account information to be changed corresponding to at least one supplementary auditing information item is not passed. The supplementary audit information item refers to an associated audit information item except an intersection audit information item with intersection set in a target audit information item corresponding to a target system in the associated audit information items corresponding to the associated system. In this example, the association system performs supplementary auditing on data to be changed, and avoids performing repeated auditing with the target system, thereby achieving the purposes of avoiding auditing data waste, improving auditing efficiency, and saving auditing cost.

For example, if the data to be changed includes A, B, C, D, E and F items of change waiting information, if financial System 1 is associated with A, B, C and D items of change waiting information, financial System 2 is associated with C, D, E and F items of change waiting information; when the financial system 1 is a target system, the financial system 2 is a correlation system, at this time, target audit information items are A, B, C and D waiting change information items, correlation audit information items are C, D, E and F waiting change information items, intersection audit information items between the target audit information items and the correlation audit information items are C and D waiting change information items, at this time, supplementary audit information items are differences between the correlation audit information items (C, D, E and F) and the intersection audit information items (C and D), namely E and F waiting change information items, therefore, supplementary audit nodes of the correlation system only need to audit the account information to be changed corresponding to the E and F waiting change information items, and when the account information to be changed corresponding to all the supplementary audit information items passes the audit, supplementary audit results which pass the audit are returned; and when the account information to be changed corresponding to the supplementary audit information item is not audited, returning a supplementary audit result which is not audited, so as to avoid repeated auditing of the intersection audit information item with the target system, thereby improving the auditing efficiency, avoiding the auditing data waste and saving the auditing cost.

S604: and if the supplementary audit result is that the audit is passed, updating the current account information corresponding to the information item to be changed recorded in the association database by adopting the account information to be changed corresponding to the information item to be changed, and sending update response information to the target system so as to update the current account information corresponding to the information item to be changed recorded in the target database.

Wherein the association database is a system database communicatively coupled to a server of the association system. The update response information is response information formed after the associated database finishes updating the account information corresponding to the financial account to be changed, and is used for sending the update response information to the target system so as to improve the account information corresponding to the financial account to be changed in the target database updated by the target system.

As an example, when the supplementary audit result is that the audit passes, the association system may update the current account information corresponding to the information item to be changed recorded in the association database based on the account information to be changed corresponding to all the information items to be changed in the data to be changed, for example, if the account information to be changed corresponding to a certain information item to be changed is AA and the current account information corresponding to the corresponding information item to be changed recorded in the association database is BB, the current account information BB is replaced with the account information to be changed AA, so that after the update operation, the current account information corresponding to the information item to be changed recorded in the association database is AA, the update of the account information corresponding to the financial account to be changed in the association system is completed, and the update result is obtained, where the update result reflects whether the account information corresponding to the financial account to be changed is successfully updated in the association system, an update time stamp may also be included. And after the updating result is successful, filling the financial account to be changed and the updating result in the response information template to form updating response information, and sending the updating response information to the target system to remind the target system of updating the current account information corresponding to the information item to be changed recorded in the target database, so that the updating of the account information corresponding to the financial account to be changed in the association system and the target system is completed.

In the financial account change processing method provided by this embodiment, after the correlation system analyzes the received original change form and obtains the valid verification code and the data to be changed, security verification is performed based on the valid verification code and the data to be changed, so as to ensure the security of updating account information corresponding to the financial account to be changed; and then, performing supplementary audit on the data to be changed to obtain a supplementary audit result, and performing supplementary audit on the data to be changed to ensure the comprehensiveness of the audit, avoid repeated audit with a target system, and achieve the purposes of avoiding audit data waste, improving audit efficiency and saving audit cost. When the supplementary audit result is that the audit is passed, updating the current account information corresponding to the information item to be changed recorded in the association database by adopting the account information to be changed corresponding to the information item to be changed, and ensuring the updating safety of the account information corresponding to the financial account to be changed; and sending update response information to the target system to remind the target system of updating the current account information corresponding to the information item to be changed recorded in the target database, so that the update of the account information corresponding to the financial account to be changed in the association system and the target system is completed, the consistency of the account information corresponding to the financial account to be changed in the association system and the target system is favorably ensured, and the normal financial account to be changed is ensured.

In an embodiment, as shown in fig. 7, after step S604, that is, after updating the current account information corresponding to the information item to be changed recorded in the association database by using the account information to be changed corresponding to the information item to be changed, the financial account change processing method further includes:

s701: and performing image conversion on the original change form to obtain an original form image corresponding to the original change form, wherein the original form image comprises a printing area and printing requirement information corresponding to the printing area, and the printing requirement information comprises an associated system name and a target system name.

S702: and calling a seal acquisition interface to acquire an associated seal image corresponding to the associated system name.

S703: and performing transparentization processing on the associated seal image to obtain an associated transparent image.

S704: and overlapping the center of the associated transparent image with the center of the application area corresponding to the associated system name in the original form image, synthesizing the associated transparent image and the original form image, acquiring an associated change form of an image format, and sending the associated change form to a target system.

As an example, in step S701, after updating the current account information corresponding to the information item to be changed recorded in the association database by using the account information to be changed corresponding to the information item to be changed, the association system may perform image conversion on the original change form by using an image conversion technology to obtain an original form image corresponding to the original change form. Understandably, because the original modified form is generally a form in Word format or PDF format in an editable mode, in order to facilitate the electronic seal to be stamped on the original modified form and avoid the information in the original modified form in the editable mode from being tampered, the original modified form can be firstly converted into an original form image in an image format by adopting an image conversion technology.

As an example, in step S702, the seal acquisition interface is an interface for accessing a seal database. The stamp database is a database in which all associated stamp images corresponding to the stamp use requirement information are stored in advance. Generally, all electronic seal images corresponding to the financial account to be changed are stored in the seal database, and include a target seal image of a target system and a related seal image of a related system.

In this example, the association system may access the stamp database through a preset stamp obtaining interface according to the stamp using requirement information corresponding to each stamp using area in the original change form, where the stamp using requirement information includes an association system name and a target system name, and obtain an association stamp image corresponding to the association system name. In this example, the user authority security authentication may be performed during the process of calling the seal acquisition interface to access the seal database, so as to ensure the security of information.

As an example, in step S703, the correlation system may perform a transparentization process on the correlation stamp image corresponding to the information of the print demand by using an image transparentization technology to obtain the correlation transparent image, so as to avoid that a background or a blank in the correlation stamp image affects an image synthesis effect in a subsequent image synthesis process.

As an example, in step S704, the association system coincides the center of the associated transparent image with the center of the stamp area corresponding to the name of the association system in the transparent form image to clarify the position of the associated transparent image in the original form image; and synthesizing the associated transparent image and the original form image by adopting an image generation technology. For example, by using the image synthesis code in canvas technology, the associated transparent image and the original form image are synthesized, and the associated modified form in the image format can be obtained. Understandably, the associated change form can be understood as a form for confirming the electronic seal added on the original change form after all audit process nodes of the associated system are subjected to comprehensive audit and passed the audit.

As an example, after updating the current account information corresponding to the information item to be changed recorded in the association database by using the account information to be changed corresponding to the information item to be changed, the association system may add an electronic seal corresponding to the association system to the original change form to form an association change form, and send the association change form to the target system, so that the target system adds an electronic seal corresponding to the target system to the association change form to form a target change form, thereby ensuring the accuracy and integrity of the account information change process of the financial account to be changed.

In this embodiment, the associated change form is a form in an image format formed after the electronic seal corresponding to the demand information for printing is added to the original change form, and the form can be displayed to be subjected to the audit verification of the audit process node corresponding to the overall audit verification by the associated system. And uploading the associated change form to a shared database, and sending the associated change form to a target system, so that the target system stamps an electronic seal corresponding to the target system in the associated change form to form a target change form, and the accuracy and the integrity of the account information change process of the financial account to be changed are guaranteed.

It should be understood that, the sequence numbers of the steps in the foregoing embodiments do not imply an execution sequence, and the execution sequence of each process should be determined by its function and intrinsic program, and should not constitute any limitation on the implementation process of the embodiments of the present invention.

In one embodiment, a financial account change processing device is provided, and the financial account change processing device corresponds to the financial account change processing method in the above embodiment one to one. As shown in fig. 8, the financial account change processing apparatus includes the following functional modules:

the account change request obtaining module 801 is configured to obtain an account change request, where the account change request includes a financial account to be changed and data to be changed corresponding to the financial account to be changed, and the data to be changed includes an information item to be changed and account information to be changed corresponding to the information item to be changed.

And an authenticity audit result obtaining module 802, configured to perform authenticity audit on the data to be changed, and obtain an authenticity audit result.

And the preliminary audit result obtaining module 803 is configured to send the data to be changed to the preliminary audit node if the authenticity audit result is that the audit is passed, and obtain a preliminary audit result returned by the preliminary audit node.

And the original change form sending module 804 is configured to generate a legal verification code based on the data to be changed if the preliminary verification result is that verification is passed, obtain the original change form based on the legal verification code and the data to be changed, and send the original change form to the associated system corresponding to the financial account to be changed through the dedicated line data transmission interface for supplementary verification.

And the target system account changing module 805 is configured to receive update response information formed after the associated system is subjected to supplementary review, and update the current account information corresponding to the information item to be changed, which is recorded in the target database, by using the account information to be changed corresponding to the information item to be changed, where the update response information is response information formed after the associated database finishes updating the account information corresponding to the financial account to be changed.

Preferably, the financial account change processing means further includes:

and the information detection judging unit is used for executing the information detection plug-in corresponding to the variable information item, acquiring the current account information corresponding to the financial account to be changed and the variable information item from the target database, and judging whether the current account information meets the item change condition corresponding to the information detection plug-in.

And the to-be-changed information item determining unit is used for determining the changeable information item as the to-be-changed information item if the current account information meets the item changing condition.

And the account information to be changed acquiring unit is used for acquiring the account information to be changed corresponding to all the information items to be changed by adopting the information acquisition interfaces corresponding to all the information items to be changed.

Preferably, the financial account change processing means further includes:

and the information acquisition interface display unit is used for displaying an information acquisition interface corresponding to the financial account to be changed, the information acquisition interface comprises an acquisition information item and an information input box corresponding to the acquisition information item, and all the information of the account to be selected corresponding to the acquisition information item is loaded to the display area of the information input box corresponding to the acquisition information item.

And the candidate information linkage narrowing unit is used for receiving the target account information corresponding to the prior information item, and narrowing the candidate account information corresponding to the subsequent information item if the subsequent information item linked with the prior information item exists.

And the information item type acquisition unit is used for acquiring the target account information corresponding to all the acquired information items and acquiring the information item type corresponding to each acquired information item.

And the information detection plug-in forming unit is used for processing the target account information corresponding to the changeable information item by adopting a detection plug-in tool if the type of the information item corresponding to the acquisition information item is the changeable information item, and forming the information detection plug-in corresponding to the changeable information item.

Preferably, the authenticity verification result obtaining module 802 includes:

and the information legal source determining unit is used for determining the information legal source corresponding to each information item to be changed.

And the real account information acquisition unit is used for calling a data acquisition interface corresponding to the information legal source and acquiring the real account information corresponding to the information item to be changed.

And the single item auditing result acquiring unit is used for adopting the real account information corresponding to the information item to be changed, performing authenticity auditing on the account information to be changed corresponding to the information item to be changed, and acquiring a single item auditing result corresponding to the information item to be changed.

And the verification passing result acquiring unit is used for acquiring the authenticity verification result of the verification passing if the single verification results corresponding to all the information items to be changed are verification passing.

And the verification failure result acquisition unit is used for acquiring the authenticity verification result of which the verification fails if the single verification result corresponding to the information item to be changed is that the verification fails.

In one embodiment, a financial account change processing device is provided, and the financial account change processing device corresponds to the financial account change processing method in the above embodiment one to one. As shown in fig. 9, the financial account change processing apparatus includes the following functional modules:

the original change form analyzing module 901 is configured to receive an original change form, which is sent by a target system and is associated with a financial account to be changed, through a dedicated data transmission interface, analyze the original change form, and obtain a legal verification code and data to be changed, where the original change form is a form formed after performing authenticity verification and preliminary verification on the data to be changed, and the data to be changed includes an information item to be changed and account information to be changed corresponding to the information item to be changed.

A security verification result obtaining module 902, configured to perform security verification based on the valid verification code and the data to be changed, and obtain a security verification result.

And a supplementary audit result obtaining module 903, configured to perform supplementary audit on the data to be changed if the security verification result is that the verification is passed, and obtain a supplementary audit result.

And the associated system account changing module 904 is configured to, if the supplementary audit result is that the audit is passed, update the current account information corresponding to the information item to be changed recorded in the associated database by using the account information to be changed corresponding to the information item to be changed, and send update response information to the target system, so as to update the current account information corresponding to the information item to be changed recorded in the target database.

Preferably, the financial account change processing means further includes:

and the original form image acquisition unit is used for carrying out image conversion on the original change form and acquiring an original form image corresponding to the original change form, wherein the original form image comprises a printing area and printing demand information corresponding to the printing area, and the printing demand information comprises an associated system name and a target system name.

And the associated seal image acquisition unit is used for calling the seal acquisition interface to acquire the associated seal image corresponding to the associated system name.

And the associated transparent image acquisition unit is used for carrying out transparentization processing on the associated seal image to acquire the associated transparent image.

And the associated change form acquisition unit is used for superposing the center of the associated transparent image and the center of the application area corresponding to the associated system name in the original form image, synthesizing the associated transparent image and the original form image, acquiring an associated change form in an image format and sending the associated change form to a target system.

For the specific limitation of the financial account change processing device, reference may be made to the above limitation on the financial account change processing method, which is not described herein again. The various modules in the financial account change processing apparatus may be implemented in whole or in part by software, hardware, and a combination thereof. The modules can be embedded in a hardware form or independent from a processor in the computer device, and can also be stored in a memory in the computer device in a software form, so that the processor can call and execute operations corresponding to the modules.

In one embodiment, a computer device is provided, which may be a server, and its internal structure diagram may be as shown in fig. 10. The computer device includes a processor, a memory, a network interface, and a database connected by a system bus. Wherein the processor of the computer device is configured to provide computing and control capabilities. The memory of the computer device comprises a nonvolatile storage medium and an internal memory. The non-volatile storage medium stores an operating system, a computer program, and a database. The internal memory provides an environment for the operation of an operating system and computer programs in the non-volatile storage medium. The database of the computer device is used for data adopted or generated in the financial account change processing method process. The network interface of the computer device is used for communicating with an external terminal through a network connection. The computer program is executed by a processor to implement a financial account change processing method.

In one embodiment, a computer device is provided, which includes a memory, a processor, and a computer program stored in the memory and executable on the processor, and when the processor executes the computer program, the financial account change processing method in the foregoing embodiments is implemented, for example, S201-S205 shown in fig. 2, or shown in fig. 3 to 7, which is not described herein again to avoid repetition. Alternatively, the functions of each module/unit in the embodiment of the financial account changing processing apparatus when the processor executes the computer program, for example, the functions of each module/unit shown in fig. 8 or fig. 9, are not described again to avoid redundancy.

In an embodiment, a computer-readable storage medium is provided, where a computer program is stored on the computer-readable storage medium, and when executed by a processor, the computer program implements the financial account change processing method in the foregoing embodiments, for example, S201-S205 shown in fig. 2, or S3 to 7, which is not repeated here for avoiding redundancy. Alternatively, the computer program, when executed by the processor, implements the functions of each module/unit in the embodiment of the financial account change processing apparatus, for example, the functions of each module/unit shown in fig. 8 or fig. 9, and are not described herein again to avoid repetition.

It will be understood by those skilled in the art that all or part of the processes of the methods of the embodiments described above can be implemented by hardware instructions of a computer program, which can be stored in a non-volatile computer-readable storage medium, and when executed, can include the processes of the embodiments of the methods described above. Any reference to memory, storage, database, or other medium used in the embodiments provided herein may include non-volatile and/or volatile memory, among others. Non-volatile memory can include read-only memory (ROM), Programmable ROM (PROM), Electrically Programmable ROM (EPROM), Electrically Erasable Programmable ROM (EEPROM), or flash memory. Volatile memory can include Random Access Memory (RAM) or external cache memory. By way of illustration and not limitation, RAM is available in a variety of forms such as Static RAM (SRAM), Dynamic RAM (DRAM), Synchronous DRAM (SDRAM), Double Data Rate SDRAM (DDRSDRAM), Enhanced SDRAM (ESDRAM), Synchronous Link DRAM (SLDRAM), Rambus Direct RAM (RDRAM), direct bus dynamic RAM (DRDRAM), and memory bus dynamic RAM (RDRAM).

It will be apparent to those skilled in the art that, for convenience and brevity of description, only the above-mentioned division of the functional units and modules is illustrated, and in practical applications, the above-mentioned function distribution may be performed by different functional units and modules according to needs, that is, the internal structure of the apparatus is divided into different functional units or modules to perform all or part of the above-mentioned functions.

The above-mentioned embodiments are only used for illustrating the technical solutions of the present invention, and not for limiting the same; although the present invention has been described in detail with reference to the foregoing embodiments, it will be understood by those of ordinary skill in the art that: the technical solutions described in the foregoing embodiments may still be modified, or some technical features may be equivalently replaced; such modifications and substitutions do not substantially depart from the spirit and scope of the embodiments of the present invention, and are intended to be included within the scope of the present invention.

Claims

1. A financial account change processing method is characterized by comprising the following steps executed by a target system:

2. The financial account change processing method of claim 1, wherein prior to said obtaining an account change request, the financial account change processing method further comprises:

executing an information detection plug-in corresponding to a variable information item, acquiring current account information corresponding to the financial account to be changed and the variable information item from a target database, and judging whether the current account information meets a project change condition corresponding to the information detection plug-in;

if the current account information meets the item change condition, determining the changeable information item as an information item to be changed;

and acquiring account information to be changed corresponding to all the information items to be changed by adopting the information acquisition interfaces corresponding to all the information items to be changed.

3. The financial account change processing method according to claim 2, wherein before the executing of the information detection plug-in corresponding to the variable information item, acquiring current account information corresponding to the financial account to be changed and the variable information item from a target database, and determining whether or not the current account information satisfies the item change condition corresponding to the information detection plug-in, the financial account change processing method further comprises:

displaying an information acquisition interface corresponding to the financial account to be changed, wherein the information acquisition interface comprises an acquisition information item and an information input box corresponding to the acquisition information item, and loading all account information to be selected corresponding to the acquisition information item to a display area of the information input box corresponding to the acquisition information item;

receiving target account information corresponding to a prior information item, and if a subsequent information item linked with the prior information item exists, narrowing down the account information to be selected corresponding to the subsequent information item;

acquiring target account information corresponding to all the acquired information items, and acquiring an information item type corresponding to each acquired information item;

and if the type of the information item corresponding to the acquisition information item is a changeable information item, processing the target account information corresponding to the changeable information item by adopting a detection plug-in tool to form an information detection plug-in corresponding to the changeable information item.

4. The financial account change processing method according to claim 1, wherein the performing an authenticity check on the data to be changed to obtain an authenticity check result includes:

determining the legal source of the information corresponding to each information item to be changed;

calling a data acquisition interface corresponding to the information legal source to acquire real account information corresponding to the information item to be changed;

adopting the real account information corresponding to the information item to be changed, and performing authenticity verification on the account information to be changed corresponding to the information item to be changed to obtain a single verification result corresponding to the information item to be changed;

if all the single items of audit results corresponding to the information items to be changed are approved, acquiring the authenticity audit results of the approved audit;

and if the single item of audit result corresponding to the information item to be changed is that the audit is not passed, acquiring the authenticity audit result of which the audit is not passed.

5. A financial account change processing method is characterized by comprising the following steps executed by an association system:

6. The financial account change processing method according to claim 5, wherein after updating the current account information corresponding to the information item to be changed recorded in the association database by using the account information to be changed corresponding to the information item to be changed, the financial account change processing method further comprises:

performing image conversion on the original change form to obtain an original form image corresponding to the original change form, wherein the original form image comprises a printing area and printing requirement information corresponding to the printing area, and the printing requirement information comprises an associated system name and a target system name;

calling a seal acquisition interface to acquire an associated seal image corresponding to the associated system name;

performing transparentization processing on the associated seal image to obtain an associated transparent image;

and overlapping the center of the associated transparent image with the center of the printing area corresponding to the name of the associated system in the original form image, synthesizing the associated transparent image and the original form image to obtain an associated change form in an image format, and sending the associated change form to the target system.

7. A financial account change processing apparatus, comprising:

and the target system account changing module is used for receiving updating response information formed after the associated system is subjected to supplementary review, and updating the current account information corresponding to the information item to be changed recorded in the target database by adopting the account information to be changed corresponding to the information item to be changed, wherein the updating response information is response information formed after the associated database finishes updating the account information corresponding to the financial account to be changed.

8. A financial account change processing apparatus, comprising:

the system comprises an original change form analysis module, a data processing module and a data processing module, wherein the original change form analysis module is used for receiving an original change form which is sent by a target system and is associated with a financial account to be changed, analyzing the original change form and acquiring a legal verification code and data to be changed, the original change form is formed after authenticity verification and preliminary verification are carried out on the data to be changed, and the data to be changed comprises an information item to be changed and account information to be changed corresponding to the information item to be changed;

a security verification result obtaining module, configured to perform security verification based on the valid verification code and the data to be changed, and obtain a security verification result;

a supplementary audit result obtaining module, configured to perform supplementary audit on the data to be changed to obtain a supplementary audit result if the security verification result is that the verification passes;

and the associated system account changing module is used for updating the current account information corresponding to the information item to be changed recorded in the associated database by adopting the account information to be changed corresponding to the information item to be changed if the supplementary auditing result is that the auditing is passed, and sending update response information to the target system so as to update the current account information corresponding to the information item to be changed recorded in the target database.

9. A computer device comprising a memory, a processor and a computer program stored in the memory and executable on the processor, wherein the processor implements the financial account change processing method according to any one of claims 1 to 6 when executing the computer program.

10. A computer-readable storage medium storing a computer program, wherein the computer program, when executed by a processor, implements the financial account change processing method according to any one of claims 1 to 6.