CN112686761A - Multi-account opening processing method and device, computer equipment and storage medium - Google Patents

Abstract

The invention discloses a multi-account opening processing method and device, computer equipment and a storage medium. The method comprises the following steps: receiving at least two accounts to be opened and basic user information, judging whether comprehensive auditing conditions are met or not according to the at least two accounts to be opened and the information sources, and if so, carrying out general content verification on the basic user information to obtain a general verification result; if the verification is passed, acquiring an original account opening form, sending the original account opening form to an auditing flow node corresponding to the comprehensive auditing verification, and stamping an electronic seal on a seal area of the original account opening form to form an account opening form to be processed; forming a registration verification code, and sending the registration verification code and the account opening form to be processed to an associated system; and if the target account opening form of the correlation system is received within the supplementary waiting time, generating a common account corresponding to at least two accounts to be opened. The method can realize the establishment of the common account on at least two financial systems, simplify the account opening process and avoid repeated operation.

Description

Multi-account opening 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 multi-account opening processing method and device, computer equipment and a storage medium.

Background

Currently, in the process of participating in financial activities, users need to open respective system accounts in different financial 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, an insurance account needs to be opened in an insurance system, and the like. In the account opening process, each financial system needs to perform respective processing links such as information verification, seal management and temporary cabinet verification in order to realize risk management and control.

When a user opens at least two system accounts in different financial systems, account opening data and temporary cabinet verification need to be submitted to the at least two financial systems, so that account opening time is high in cost, efficiency is low, and account opening experience of the user is influenced; moreover, after receiving the account opening application information of the user, different financial systems need to respectively perform processing of processing links such as information verification, seal management and temporary cabinet verification, and the different financial systems execute repeated operations, so that resource waste is caused, and the improvement of the working efficiency and the cost saving are not facilitated.

Disclosure of Invention

The embodiment of the invention provides a multi-account opening processing method, a multi-account opening processing device, computer equipment and a storage medium, and aims to solve the problems of low efficiency and high cost in the existing at least two system account opening processes.

A multi-account opening processing method comprises the following steps:

receiving account opening application information, wherein the account opening application information comprises at least two accounts to be opened and user basic information, and one of the at least two accounts to be opened is a current account;

judging whether a comprehensive auditing condition is met or not according to at least two accounts to be opened and information sources corresponding to the account opening application information, and carrying out general content verification on the user basic information to obtain a general verification result when the comprehensive auditing condition is met;

if the general verification result is that the verification is passed, acquiring an original account opening form based on at least two accounts to be opened and the basic user information, wherein the original account opening form comprises a printing area and printing demand information corresponding to the printing area;

sending the original account-opening form to an auditing process node corresponding to comprehensive auditing verification, and adding an electronic seal corresponding to the printing demand information to a printing area of the original account-opening form at the auditing process node to form an account-opening form to be processed in an image format;

forming a preparation verification code based on at least two accounts to be opened and the original account opening form, and sending the preparation verification code and the account opening form to be processed to at least one correlation system corresponding to the accounts to be opened except the current account;

and if a target account opening form formed by the association system based on the account opening form to be processed is received within the supplementary waiting time, generating a common account corresponding to at least two accounts to be opened.

A multi-account opening processing apparatus comprising:

the account opening application information receiving module is used for receiving account opening application information, the account opening application information comprises at least two accounts to be opened and user basic information, and one of the at least two accounts to be opened is a current account;

the general verification result acquisition module is used for judging whether comprehensive audit conditions are met or not according to at least two accounts to be opened and information sources corresponding to the account opening application information, and performing general content verification on the user basic information to acquire a general verification result when the comprehensive audit conditions are met;

an original account opening form obtaining module, configured to obtain an original account opening form based on at least two accounts to be opened and the user basic information if the general verification result is that the verification passes, where the original account opening form includes a print area and print demand information corresponding to the print area;

the to-be-processed account-opening form acquisition module is used for sending the original account-opening form to an auditing flow node corresponding to comprehensive auditing verification, and an electronic seal corresponding to the printing demand information is added to a printing area of the original account-opening form at the auditing flow node to form an image-format to-be-processed account-opening form;

a verification code form sending module, configured to form a preparation verification code based on at least two accounts to be opened and the original account opening form, and send the preparation verification code and the account opening form to be processed to an association system corresponding to at least one account to be opened except for the current account;

and the common account generation module is used for generating common accounts corresponding to at least two accounts to be opened if a target account opening form formed by the association system based on the account opening form to be processed is received within the supplementary waiting time.

A multi-account opening processing method comprises the following steps:

receiving a to-be-processed account opening form of a preparation verification code and an image format sent by a correlation system;

performing image-text conversion on the account opening form to be processed to obtain an account opening form to be verified;

extracting at least two accounts to be opened from the account opening form to be verified, inquiring a safety information data table based on the at least two accounts to be opened, and acquiring a target encryption algorithm and a target key field matched with the at least two accounts to be opened;

extracting key information to be verified corresponding to the target key field from the account opening form to be verified, and encrypting the key information to be verified by adopting the target encryption algorithm to obtain a current verification code;

if the current verification code is consistent with the preparation verification code, acquiring a current wind control condition and an associated wind control condition based on at least two accounts to be opened, and determining a supplementary auditing logic according to the current wind control condition and the associated wind control condition;

and executing the supplementary checking logic, obtaining a supplementary checking result, if the supplementary checking result is that the checking is passed, forming a target account opening form based on the account opening form to be processed, sending the target account opening form to the association system, and receiving the common account numbers which are sent by the association system and correspond to at least two accounts to be opened.

A multi-account opening processing apparatus comprising:

the verification code form receiving module is used for receiving the registration verification code and the account opening form to be processed in the image format, which are sent by the correlation system;

the account opening form to be verified acquisition module is used for performing image-text conversion on the account opening form to be processed to acquire the account opening form to be verified;

the algorithm field query module is used for extracting at least two accounts to be opened from the account opening form to be verified, querying a safety information data table based on the at least two accounts to be opened and acquiring a target encryption algorithm and a target key field matched with the at least two accounts to be opened;

the current verification code acquisition module is used for extracting key information to be verified corresponding to the target key field from the account opening form to be verified, and encrypting the key information to be verified by adopting the target encryption algorithm to acquire a current verification code;

a supplementary auditing logic determining module, configured to, if the current verification code is consistent with the preparation verification code, obtain a current wind control condition and an associated wind control condition based on at least two accounts to be opened, and determine supplementary auditing logic according to the current wind control condition and the associated wind control condition;

and the supplementary audit verification module is used for executing the supplementary audit logic, acquiring a supplementary audit result, if the supplementary audit result is that the audit is passed, forming a target account opening form based on the account opening form to be processed, sending the target account opening form to the association system, and receiving the common account corresponding to at least two accounts to be opened sent by the association system.

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 multi-account opening processing method when executing the computer program.

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

According to the multi-account opening processing method, the multi-account opening processing device, the computer equipment and the storage medium, multi-account opening processing can be carried out according to the opening application information input by the user once, the user can be prevented from repeatedly inputting the opening application information, and the operation flow and the time cost of the user are saved; the general content verification is carried out on the financial systems meeting the comprehensive auditing conditions, and a general verification result is obtained, so that repeated operation on the financial systems corresponding to at least two accounts to be opened is avoided, the operation efficiency is improved, and the resource cost and the time cost of the general content verification are saved; determining target account opening data based on at least two accounts to be opened and the basic information of the user to form an original account opening form so as to realize uniform audit verification based on the same original account opening form and facilitate audit verification operation; the original account opening form is printed at each auditing flow node of the financial system meeting the comprehensive auditing condition, the operation process is intelligent, and the manual operation risk is avoided; sending the preparation verification code and the account opening form to be processed to a correlation system, and ensuring the transmission safety of the account opening form to be processed by using the preparation verification code; and after the financial systems corresponding to at least two accounts to be opened are received and checked by the target account opening form, generating a common account corresponding to the at least two accounts to be opened, completing multi-account opening operation and ensuring the safety of the common account.

The multi-account opening processing method, the multi-account opening processing device, the computer equipment and the storage medium can receive the registration verification code and the to-be-processed account opening form in the image format, which are sent by the correlation system, wherein the to-be-processed account opening form is the form in the image format formed after comprehensive audit and verification, and can avoid artificial tampering; the security verification is carried out by using the current verification code and the reported verification code determined according to the account opening form to be processed, so that the security of communication between the current system and the associated system is guaranteed; acquiring a current wind control condition and an associated wind control condition based on at least two accounts to be opened, further determining a supplementary audit logic according to the current wind control condition and the associated wind control condition, executing the supplementary audit logic to perform supplementary audit verification, and not needing to perform repeated audit on intersection wind control conditions, so that the audit process is facilitated, the audit efficiency is improved, and resources and cost of repeated audit are saved; and when the supplementary audit result is that the audit is passed, forming a target account opening form based on the account opening form to be processed, sending the target account opening form to the association system, and receiving the common account numbers which are sent by the association system and correspond to at least two accounts to be opened so as to achieve the purpose of opening accounts with multiple accounts.

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 multi-account opening processing method according to an embodiment of the present invention;

FIG. 2 is a flowchart of a multi-account opening process in accordance with one embodiment of the present invention;

FIG. 3 is another flow chart of a multi-account opening process in an embodiment of the invention;

FIG. 4 is another flow chart of a multi-account opening process in an embodiment of the invention;

FIG. 5 is another flowchart of a multi-account opening process in an embodiment of the invention;

FIG. 6 is another flow chart of a multi-account opening process in an embodiment of the invention;

FIG. 7 is another flowchart of a multi-account opening process in an embodiment of the invention;

FIG. 8 is a diagram of a multi-account opening processing device according to an embodiment of the invention;

FIG. 9 is another schematic diagram of a multi-account opening processing device according to an embodiment of the 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 multi-account opening processing method provided by the embodiment of the invention can be applied to the application environment shown in fig. 1. The multi-account opening processing method is applied to financial systems, particularly at least two financial systems in network communication, each financial system comprises a server and a client in network communication with the server, and the at least two financial systems in network communication are used for realizing the joint opening of a plurality of system accounts so as to avoid the repeated uploading of opening application information by a user, save the opening time of the user and improve the processing efficiency; and the processing of repeated processing links such as information verification, seal management, temporary cabinet verification and the like by at least two financial institutions can be avoided, the processing efficiency is improved, and the processing cost is 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.

Illustratively, the at least two financial systems may be at least two financial systems under different financial systems, which can perform information sharing, for example, a banking system, a trust system, a security system, an insurance system, and the like under the same group. Illustratively, the at least two financial systems may also be at least two financial systems under the same financial system that can share information, for example, systems corresponding to the same financial product under different groups, for example, a security account of a security company and a security account of B security company.

In this example, the at least two financial systems include a current system and at least one associated system in communication with the current system over a network. Among them, the current system is a financial system that performs a multi-account opening processing method. The association system refers to an association system other than the current system among at least two financial systems. The safety level is determined by the wind control auditing conditions corresponding to different financial systems, and the stricter the wind control auditing conditions are, the higher the safety level is. Generally speaking, in the process of jointly opening an account by at least two financial systems in network communication, comprehensive audit verification is preferentially carried out on account opening application information on the financial system with a higher security level, and after the comprehensive audit verification is passed, only supplementary audit verification needs to be carried out on the associated system, so that repeated audit verification of a plurality of financial systems is avoided, the audit verification process is facilitated to be simplified, and the audit verification efficiency is improved.

Generally, the corresponding security level is determined according to the respective wind-controlled auditing conditions of at least two financial systems. For example, the financial system 1 has four wind control audit conditions, A, B, C and D; the wind control auditing conditions of the financial system 2 are C, D and E, and the quantity of the wind control auditing conditions of the financial system 1 is more than that of the financial system 2, so that the security level of the financial system 1 can be higher, and comprehensive auditing verification can be executed on the financial system 1; the financial system 2 has a lower security level and can perform a supplementary audit verification on the financial system 2.

In this example, to facilitate the multi-account combined opening operation, the wind control auditing conditions corresponding to at least two financial systems that can communicate via a network are stored in the wind control condition information table in advance, the at least two pieces of wind control condition information are stored in the wind control condition information table, and each piece of wind control condition information includes a financial system, a configuration account related to the financial system, and at least one wind control auditing condition corresponding to the configuration account. The configuration account refers to an account which can be opened by a certain financial system, and the at least one wind control auditing condition corresponding to the configuration account refers to a condition which needs to be audited in the process of opening each configuration account. Each wind control auditing condition corresponds to a configuration auditing logic, and the configuration auditing logic is a processing logic for executing the wind control auditing condition.

It can be understood that, in order to ensure the security of information transmission between at least two financial systems, a special encryption and decryption program may be set between at least two financial systems, so that in the process of communication between at least two financial systems, before any financial system transmits information, the information to be transmitted is processed by the special encryption and decryption program and then transmitted; after any financial system receives the information, a special encryption and decryption program is needed to decrypt the received information so as to ensure the safety of information transmission.

In this example, a common security information data table may be stored in each financial system, the security information data table including at least one piece of configuration security information, each piece of configuration security information including at least two configuration accounts, a configuration encryption algorithm corresponding to the at least two configuration accounts, and a configuration key field. The configuration account refers to a system account corresponding to a financial system which needs to perform information transmission. The configuration encryption algorithm is an algorithm required for encrypting information between at least two configuration accounts. The configuration key field refers to a field that extracts information between at least two configuration accounts.

In an embodiment, as shown in fig. 2, a multi-account opening processing method is provided, which is described by taking the current system in fig. 1 as an example, where the current system refers to a financial system currently executing the multi-account opening processing method. The multi-account opening processing method comprises the following steps executed by the current system:

s201: and receiving account opening application information, wherein the account opening application information comprises at least two accounts to be opened and user basic information, and one of the at least two accounts to be opened is a current account.

The account opening application information refers to information which is input in the account opening process of the user and is related to the account opening of the user. A pending account is an account that reflects that the user wants to open at a particular financial system. The user basic information is information which is input by the user in the account opening application process and is related to the user.

The account opening application information comprises at least two accounts to be opened so as to reflect that a user submitting the account opening application information wants to open system accounts in at least two financial systems at the same time.

As an example, the current system may receive account opening application information sent by the associated system, and generally, only the financial system with the highest security level may receive account opening application information sent by other financial systems with lower security levels, so that when the current system receives the account opening application information sent by the associated system, the current system may be determined as the financial system with the highest security level among the financial systems corresponding to at least two accounts to be opened, and the account opening application information may be directly and comprehensively checked and verified in the current system.

As an example, the current system may receive account opening application information sent by a user through a client, where the account opening application information includes at least two accounts to be opened and user basic information, so as to subsequently satisfy whether a comprehensive audit condition is satisfied, that is, determine whether the financial system receiving the account opening application information is the current system, so as to subsequently perform comprehensive audit verification and subsequent processing on the current system.

S202: and judging whether the comprehensive auditing condition is met or not according to the at least two accounts to be opened and the information sources corresponding to the account opening application information, and when the comprehensive auditing condition is met, performing general content verification on the basic information of the user to obtain a general verification result.

The information source is used for reflecting that the current system receives the account opening application information. As an example, the current system determines an information source corresponding to the account opening application information according to a data acquisition interface that receives the account opening application information. For example, when the current system receives an account opening application message sent by a user through a client, the message source is a terminal source; when the current system receives the account opening application information sent by the associated system, the information source is the system source.

The comprehensive auditing condition refers to a condition which is preset in the current system and used for evaluating whether comprehensive auditing and checking are required to be performed on the application information of the client. As an example, after receiving any account opening application information, the current system needs to determine an information source corresponding to the account opening application information according to a data acquisition interface receiving the account opening application information, and then determines at least two accounts to be opened and the information source corresponding to the account opening application information to determine whether the current system meets a comprehensive auditing condition corresponding to the comprehensive auditing verification.

As an example, when the current system meets the comprehensive auditing condition, the current system invokes a general content verification logic to perform general content verification on the user basic information, and obtains a general verification result. The general content verification logic is processing logic for verifying general content which needs to be checked in the account opening process of at least two accounts to be opened. In this example, when the current system is determined to be the financial system with the highest security level according to the account opening application information, the general content verification logic may be executed in the current system, so as to implement general content verification on the user basic information and obtain a general verification result. Understandably, the general content verification is only needed to be executed on the current system meeting the comprehensive verification condition, and the general content verification is not carried out on other associated systems, so that the account opening verification process of at least two accounts to be opened is facilitated to be simplified, and the repeated verification of the general content is not needed.

S203: and if the general verification result is that the verification is passed, acquiring an original account opening form based on at least two accounts to be opened and the basic information of the user, wherein the original account opening form comprises a printing area and printing demand information corresponding to the printing area.

The original account opening form is a form which is formed according to at least two accounts to be opened and basic information of a user and is not verified in the account opening process.

As an example, when the general verification result is that the verification passes, the current system may extract target account opening data related to at least two accounts to be opened from the user basic information on the basis of the at least two accounts to be opened and the user basic information; and then filling at least two accounts to be opened and target account opening data in an account opening information template to form an original account opening form. The target account opening data refers to a set of data required to be collected by at least two accounts to be opened in an account opening process, namely a union of account opening data of the at least two accounts to be opened. The account opening information template is a preset template used for generating an original account opening form. In this example, the original account opening form is formed based on the target account opening data required by at least two account opening processes to be opened, so that the subsequent unified audit verification can be performed based on the same original account opening form, which is beneficial to facilitating the audit verification operation.

S204: and sending the original account opening form to an auditing process node corresponding to the comprehensive auditing verification, and adding an electronic seal corresponding to the information of the printing requirement on the printing area of the original account opening form at the auditing process node to form the account opening form to be processed in an image format.

The to-be-processed account opening form is a form formed by comprehensively checking and verifying account opening application information on the financial system with the highest security level. In this example, the pending account opening form is a form formed after the current system with the highest security level stamps an electronic seal on the corresponding printing area of the original account opening form.

As an example, after generating an original account opening form, the current system needs to send the original account opening form to each auditing flow node corresponding to the comprehensive auditing verification in sequence, and audit specific target account opening data in the original account opening form at each auditing flow node; if the verification is passed, triggering a seal using request at a corresponding verification process node, and carrying out seal using on the original account-opening form, namely, stamping an electronic seal corresponding to the seal using request information on a seal using area corresponding to the verification process node in the original account-opening form so as to form an account-opening form to be processed in an image format with the electronic seal stamped, thereby realizing uniform seal management on the account-opening process.

Furthermore, in order to ensure the security of the account opening process, in the process that each auditing flow node prints the original account opening form, the authority of the user triggering the printing request needs to be checked, so that the original account opening form can only be printed by the user with a specific authority.

S205: and forming a preparation verification code based on at least two accounts to be opened and the original account opening form, and sending the preparation verification code and the account opening form to be processed to an associated system corresponding to at least one account to be opened except the current account.

The reported verification code is a verification code generated on the financial system with the highest security level and used for other associated systems to perform information security verification. In this example, the provision verification code is a verification code generated on the current system with a higher security level and used for performing information security verification on an associated system corresponding to at least one account to be billed except the current account.

As an example, the current system may call a preset verification code generation script for generating the verification code, and extract parameters required for verification code generation from the original account opening form to form an entry verification code, so as to perform subsequent information security verification by using the entry verification code.

As an example, after the preparation verification code is generated by the current system, the preparation verification code and the account opening form to be processed may be sent to an association system corresponding to at least one account to be opened except for the current account, so that the association system performs security verification by using the preparation verification code and performs supplementary audit verification by using the account opening form to be processed.

S206: and if a target account opening form formed by the correlation system based on the account opening form to be processed is received within the supplementary waiting time, generating a common account corresponding to at least two accounts to be opened.

And the supplementary waiting time is the time for the current system to wait for receiving the feedback target account opening form of the associated system. The target account opening form is a form formed after the financial systems corresponding to at least two accounts to be opened pass the verification. The shared account is an account which corresponds to at least two accounts to be billed and is used for personal use of the user, so that the user can log in a financial system corresponding to at least two accounts to be billed by using the shared account to perform related operations. The common account is understood to be an account capable of performing related activities on the financial systems corresponding to at least two accounts to be billed.

As an example, the current system starts timing after sending the backup verification code and the to-be-processed account opening form to the association system, so as to determine whether a target account opening form formed based on the to-be-processed account opening form and returned by the association system can be received within the supplementary waiting time; and if the target account opening form can be received, generating a common account related to at least two accounts to be opened based on the at least two accounts to be opened. If the target account opening form cannot be received, the supplementary verification check performed on the associated system is not passed, the subsequent operation cannot be performed, and the multi-account combined opening operation cannot be completed.

In this example, the current system may determine an account generation tool corresponding to at least two to-be-billed accounts based on the at least two to-be-billed accounts, and quickly generate at least two common accounts related to the to-be-billed accounts based on the account generation tool, so as to complete an operation of performing multi-account opening on the financial systems corresponding to the at least two to-be-billed accounts. Understandably, after the current system generates the common account corresponding to at least two accounts to be opened, the common account and the target account opening form need to be stored in the shared database corresponding to at least two accounts to be opened in a correlated manner, so that a unified management system for all the common accounts and the target account opening form is realized, and the accuracy and the integrity of system data are guaranteed.

In the multi-account opening processing method provided by the embodiment, multi-account opening processing can be performed according to the opening application information input by the user once, so that the user can be prevented from repeatedly inputting the opening application information, and the operation flow and time cost of the user are saved; the general content verification is carried out on the financial systems meeting the comprehensive auditing conditions, and a general verification result is obtained, so that repeated operation on the financial systems corresponding to at least two accounts to be opened is avoided, the operation efficiency is improved, and the resource cost and the time cost of the general content verification are saved; determining target account opening data based on at least two accounts to be opened and basic information of a user to form an original account opening form so as to realize uniform audit verification based on the same original account opening form and facilitate audit verification operation; the original account opening form is printed at each auditing flow node of the financial system meeting the comprehensive auditing condition, the operation process is intelligent, and the manual operation risk is avoided; sending the preparation verification code and the account opening form to be processed to a correlation system, and ensuring the transmission safety of the account opening form to be processed by using the preparation verification code; and after the financial systems corresponding to at least two accounts to be opened are received and checked by the target account opening form, generating a common account corresponding to the at least two accounts to be opened, completing multi-account opening operation and ensuring the safety of the common account.

In an embodiment, step S201, receiving account opening application information, where the account opening application information includes at least two accounts to be opened and user basic information, includes the following steps:

s2011: and receiving an account opening application request, wherein the account opening application request comprises at least two accounts to be opened.

In this example, the user clicks the joint account opening button and determines to input at least two accounts to be opened on the account opening application interface of the client of the financial system, for example, clicks the joint account opening button and determines that a bank account and a trust account need to be opened, and the account opening application request may be triggered.

S2012: and displaying an information input interface, wherein the information input interface comprises an information acquisition item matched with at least two accounts to be billed and an information input interface corresponding to the information acquisition item.

The information entry interface is used for a user to enter basic information of the user. The information acquisition item is the item name of the information to be acquired displayed on the information input interface. The information input interface corresponding to an information acquisition item is an interface for acquiring information corresponding to a specific information acquisition item, and may be an input box corresponding to the information acquisition item.

Illustratively, when an account opening application request triggered by a user comprises at least two accounts to be opened, acquiring information acquisition items matched with the at least two accounts to be opened according to wind control auditing conditions of a financial system corresponding to the at least two accounts to be opened; and displaying an information acquisition item matched with at least two accounts to be billed and an information input interface corresponding to the information acquisition item on an information input interface displayed by the client. For example, if the financial systems corresponding to the two accounts to be billed are the financial system 1 and the financial system 2, the wind control auditing conditions of the financial system 1 are A, B, C and D; and the wind control auditing conditions of the financial system 2 are three wind control auditing conditions of C, D and E, at this time, all information acquisition items are determined based on five wind control auditing conditions of A, B, C, D and E to form an information entry interface, so that all user basic information required to be audited by two accounts to be billed can be acquired through the information entry interface.

S2013: acquiring acquisition item information corresponding to all the information acquisition items based on the information input interfaces corresponding to the information acquisition items, and acquiring basic information of the user.

The acquisition item information refers to information related to the user corresponding to the information acquisition item. In this example, all information acquisition items corresponding to at least two to-be-billed accounts are displayed on an information entry interface of a client of the current system, each information acquisition item corresponds to one information input interface, and a user can input acquisition item information corresponding to each information acquisition item through the client to acquire basic information of the user.

In this example, when the current system receives an account opening application request including at least two to-be-opened accounts, an information acquisition item matched with the at least two to-be-opened accounts and an information input interface corresponding to the information acquisition item need to be displayed on an information entry interface, so that all user basic information required to be checked and verified by the at least two to-be-opened accounts is rapidly acquired through the information entry interface, thereby realizing one-time information entry, facilitating simplification of a user account opening application process, and avoiding repeated entry of the user basic information.

In an embodiment, the step S202 of determining whether the comprehensive audit condition is satisfied according to the at least two accounts to be opened and the information sources corresponding to the account opening application information includes the following steps:

a2021: and if the information source corresponding to the account opening application information is a system source, the comprehensive auditing condition is met.

In this example, if the information source corresponding to the account opening application information received by the current system is a system source, it is indicated that the associated system sending the account opening application information is not the financial system with the highest security level among the financial systems corresponding to the at least two accounts to be opened, but the current system is the current system with the highest security level, so that when the information source corresponding to the account opening application information is the system source, it is directly determined that the comprehensive audit condition is satisfied, the comprehensive audit verification can be performed on the current system, and it is not necessary to repeatedly determine whether the comprehensive audit condition is satisfied, so as to simplify the processing flow and improve the processing efficiency.

A2022: and if the information source corresponding to the account opening application information is a terminal source, determining a target account with the highest security level according to the security levels corresponding to at least two accounts to be opened, and meeting comprehensive auditing conditions when the current account is the target account.

In this example, if the information source of the account opening application information received by the current system is a terminal source, and the account opening application information includes at least two accounts to be opened, it is indicated that the account opening application information is information that needs to be submitted by the user through the client and is triggered by the user to open system accounts in at least two financial systems; because the current system can receive the account opening application information sent by the client, one of at least two accounts to be opened in the at least two accounts to be opened is the current account of the current system.

As an example, the step a2022 specifically includes the following steps:

(1) when the information source corresponding to the account opening application information is a terminal source and the account opening application information contains at least two accounts to be opened, the security levels corresponding to the at least two accounts to be opened are obtained and compared, and the account to be opened with the highest security level is determined as the target account.

For example, the current system may query the wind control condition information table, obtain the security levels corresponding to the at least two to-be-billed accounts according to the wind control auditing conditions corresponding to the at least two to-be-billed accounts, and compare the security levels to determine the to-be-billed account with the highest security level as the target account. For example, the financial system 1 has four wind control audit conditions, A, B, C and D; and the wind control auditing conditions of the financial system 2 are C, D and E, and because the quantity of the wind control auditing conditions of the financial system 1 is more than that of the financial system 2, the security level of the account to be opened corresponding to the financial system 1 is higher than that of the system account corresponding to the financial system.

(2) And judging whether the current account is the target account.

(3) If the current account is the target account, the current system is the current system with the highest safety level, the comprehensive auditing condition can be determined to be met, the comprehensive auditing verification can be performed on the current system, and the situation that whether the comprehensive auditing condition is met or not is not required to be repeatedly judged, so that the processing flow is simplified, and the processing efficiency is improved.

(4) If the current account is not the target account, the current system is not the financial system with the highest security level, and at the moment, the account opening application information can be sent to the financial system with the highest security level through the network, so that the financial system with the highest security level directly determines that the comprehensive auditing condition is met after receiving the account opening application information sent by the current system.

In an embodiment, the performing general content verification on the user basic information in step S202 to obtain a general verification result includes:

b2021: and carrying out industrial and commercial verification on the basic information of the user to obtain an industrial and commercial verification result.

As an example, the current system executes an industrial and commercial verification logic, calls an industrial and commercial information verification interface for accessing an industrial and commercial bureau database, and performs authenticity verification on industrial and commercial information in the opening application information; if the business information in the account opening application information is real, acquiring a business verification result passing the verification; and if the industrial and commercial information in the account opening application information is not true, acquiring an industrial and commercial verification result which cannot pass the verification. The business information checking interface is an interface which is set in the current system and can access the business office database, and can extract the business information uploaded by the user from the user basic information, access the business office database through the business information checking interface by using the extracted business information, and acquire the business checking result returned by the business information checking interface.

B2021: and carrying out blacklist verification on the user basic information to obtain a blacklist verification result.

As an example, the current system calls a blacklist check interface for accessing a blacklist library, and performs matching processing on user basic information and at least one blacklist information in the blacklist library; if the basic information of the user is not matched with all the blacklist information, acquiring a blacklist verification result passing the verification; and if the user basic information is matched with any blacklist information, acquiring a blacklist verification result which cannot be verified.

B2023: and carrying out account verification on the basic information of the user to obtain an account verification result.

As an example, the current system executes an account verification logic, performs account verification on the user basic information, and obtains an account verification result. The account verification logic is a logic configured in advance for verifying an existing account number in the user basic information. The existing account number refers to an account number that was opened in the current system or a related system before the current time of the system, for example, the existing account number 12345678987654321 corresponding to a bank account.

In this example, the current system executes account checking logic to query whether existing account numbers corresponding to at least two system accounts exist in the user basic information. If the existing account does not exist, the user does not open a basic account in the financial system corresponding to the at least two system accounts, the basic account opening process needs to be executed, and the account verification result which does not pass the verification is obtained, so that other subsequent operations of performing combined opening are avoided. Generally, the primary account is an account opened for the first time in the financial system, and other system accounts opened subsequently are associated with the primary account. If existing account numbers corresponding to at least two system accounts exist, judging whether the existing account numbers are persistent accounts or not, and if the existing account numbers are persistent accounts, acquiring account verification results which cannot be verified; and if the existing account number is not the persistent account, acquiring an account verification result passing the verification. The persistent account is generally a unit and a personal settlement account or a personal current savings account which do not have payment or receipt activities for more than one year, and is also called a persistent user or a sleeping user in banking industry.

B2024: and if the industrial and commercial verification result, the blacklist verification result and the account verification result are verified to be passed, acquiring a general verification result which is verified to be passed.

In this example, when the industrial and commercial verification result, the blacklist verification result and the account verification result are all verification passed, it is determined that the general content verification logic such as the industrial and commercial verification logic, the blacklist verification logic and the account verification logic is adopted to perform corresponding general content verification on the user basic information, and output results of all the general content verification logics are verification passed, so that a general verification result that the verification passes can be obtained.

B2024: and if at least one of the industrial and commercial verification result, the blacklist verification result and the account verification result is not verified, acquiring a general verification result which is not verified.

In this example, when at least one of the industrial and commercial verification result, the blacklist verification result and the account verification result is failed, it is determined that the general content verification logic such as the industrial and commercial verification logic, the blacklist verification logic and the account verification logic is adopted, the corresponding general content verification is performed on the user basic information, and the output result of at least one general content verification logic is passed, so that the general verification result which is failed in verification can be obtained.

In the embodiment, the current system performs general content verification such as industry and commerce verification, blacklist verification and account verification on the user basic information to realize related general content verification on only one financial system in the multi-account opening process, which is beneficial to avoiding repeated verification on at least two financial systems and saving resources and cost of general content verification.

In an embodiment, as shown in fig. 3, step S203, namely acquiring an original account opening form based on at least two to-be-opened accounts and user basic information, includes the following steps:

s301: and generating a combined account opening template corresponding to the at least two accounts to be opened based on the at least two accounts to be opened, wherein the combined account opening template comprises an account opening information item and an information filling area corresponding to the account opening information item, and further comprises a printing area and printing demand information corresponding to the printing area.

The combined account opening template is a template formed on the basis of data and an audit flow which are required to be audited by at least two accounts to be opened in the account opening process. In this example, the joint account opening template includes a user information area and an audit information area, where the user information area includes an account opening information item and an information filling area corresponding to the account opening information item; the audit information area comprises a printing area and printing demand information corresponding to the printing area. The account opening information item refers to the item name of the information needing to be checked in the account opening process. The information filling area is an area for filling in information corresponding to the account opening information item. The stamp area refers to the area of the original account form that needs to be stamped with an electronic stamp. The seal requirement information is information for reflecting which electronic seal needs to be applied to a certain seal area.

For example, if the financial systems corresponding to the two accounts to be billed are the financial system 1 and the financial system 2, the wind control auditing conditions of the financial system 1 are A, B, C and D; the wind control auditing conditions of the financial system 2 are C, D and E, and at this time, all account opening information items and information filling areas corresponding to the account opening information items need to be determined based on A, B, C, D and E; since A, B, C, D and E five wind control auditing conditions need to be audited, a printing area and printing demand information thereof can be respectively formed based on each wind control auditing condition, or a printing area and printing demand information thereof can be respectively formed based on each account to be billed, or a printing area and printing demand information thereof can be formed based on the wind control auditing conditions and the account to be billed, and the printing area and the printing demand information thereof can be determined autonomously according to actual conditions.

S302: and extracting account opening item information corresponding to all account opening information items from the basic information of the user to acquire target account opening data.

As an example, since the basic user information collected through the information entry interface includes an information collection item and collection item information corresponding to the information collection item, the current system may extract account opening item information corresponding to all account opening information items from the basic user information, and forming the target account opening data specifically includes the following steps: matching the account opening information item with the information acquisition item in the user basic information by adopting a text similarity algorithm, and determining the acquisition item information of the information acquisition item matched with the account opening information item as account opening item information; and acquiring target account opening data based on account opening item information corresponding to all account opening information items.

S303: and filling at least two accounts to be opened and target account opening data in the combined account opening template to obtain an original account opening form.

As an example, after the current system obtains the target account opening data, at least two accounts to be opened and the target account opening data may be filled in the combined account opening template to form an original account opening form, where the original account opening form includes a blank area for use and information of demand for use corresponding to the blank area for use, so that after each link is approved, a corresponding electronic seal is added to the area for use to complete an audit process of the combined account opening. Understandably, for convenience of management, the information acquisition items in the information entry interface can be completely matched with the account opening information items in the joint account opening template, so that after the current system acquires the basic information of the user, the basic information of the user can be filled in the joint account opening template, and an original account opening form is quickly formed.

In the embodiment, the combined account opening template is generated according to the at least two accounts to be opened, and the target account opening data corresponding to the at least two accounts to be opened are filled in the combined account opening template to form the original account opening form, so that the unified audit verification can be performed subsequently based on the same original account opening form, and the convenience in audit verification operation is facilitated. And a stamp area and stamp demand information corresponding to the stamp area are formed on the combined account opening template, so that an electronic stamp is stamped in each subsequent auditing link to clearly show that the auditing is passed, and the process of opening the account with multiple accounts is visible.

In one embodiment, as shown in fig. 4, step S204, namely, stamping an electronic seal corresponding to the stamping requirement information on the stamping area of the original account opening form to form a to-be-processed account opening form in an image format, includes:

s401: and carrying out image conversion on the original account opening form to obtain an original form image corresponding to the original account opening form.

As an example, after receiving a print request triggered by an audit process node, the current system may perform image conversion on an original account-opening form by using an image conversion technology, to obtain an original form image corresponding to the original account-opening form. Understandably, because the original account opening 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 account opening form and avoid the information in the original account opening form in the editable mode from being tampered, an image conversion technology can be firstly adopted to convert the original account opening form into an original form image in an image format.

S402: and calling a seal acquisition interface according to the seal using demand information corresponding to the seal using area, and acquiring the electronic seal image corresponding to the seal using demand information.

The seal acquisition interface is used for accessing a seal database. The stamp database is a database in which all electronic stamp images corresponding to the stamp use demand information are stored in advance. Generally, all electronic seal images required by at least two accounts to be opened in the account opening process are stored in the seal database, and the electronic seal images can be electronic seal images of a financial system corresponding to the at least two accounts to be opened and can also be electronic seal images special for auditing flow nodes corresponding to each wind control auditing condition.

As an example, the current system may access the stamp database through a preset stamp obtaining interface according to the stamp use requirement information corresponding to each stamp use area in the original account-opening form, and obtain an electronic stamp image corresponding to the stamp use requirement information. 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.

S403: and carrying out transparentization treatment on the electronic seal image to obtain a transparent seal image.

As an example, the current system may adopt an image transparentizing technology to perform transparentizing processing on the electronic stamp image corresponding to the stamp using requirement information to obtain a transparent stamp image, so as to avoid that a background or a blank in the electronic stamp image affects an image synthesis effect in a subsequent image synthesis process.

S404: and overlapping the center of the transparent seal image with the center of the printing area in the original form image, and synthesizing the transparent seal image and the original form image to obtain the account opening form to be processed in an image format.

As an example, current systems coincide the center of the transparent stamp image with the center of the stamp area in the transparent form image to clarify the position of the transparent stamp image in the original form image; and synthesizing the transparent seal image and the original form image by adopting an image generation technology. For example, the image synthesis code in canvas technology is adopted to synthesize the transparent stamp image and the original form image, and the to-be-processed account-opening form in image format can be obtained. Understandably, the to-be-processed account opening form can be understood as a form which confirms the electronic seal added on the original account opening form after all the auditing process nodes of the current system are subjected to comprehensive auditing and verification and the auditing and verification are passed.

In this embodiment, the to-be-processed account-opening form is a form in an image format formed after an electronic seal corresponding to the printing demand information is added to an original account-opening form, and the form can be displayed to be subjected to the audit verification of the audit flow node corresponding to the current system comprehensive audit verification.

In an embodiment, as shown in fig. 5, the step S205 of forming the preparation verification code based on at least two accounts to be opened and the original account opening form includes:

s501: and inquiring the safety information data table based on at least two accounts to be billed, and acquiring a target encryption algorithm and a target key field matched with the at least two accounts to be billed.

The safety information data table is a data table which is configured in advance and used for storing the configuration safety information. Each configuration security information includes at least two configuration accounts, a configuration encryption algorithm corresponding to the at least two configuration accounts, and a configuration key field. The configuration account refers to a system account corresponding to a financial system which needs to perform information transmission. The configuration encryption algorithm is an algorithm required for encrypting information between at least two configuration accounts. The configuration key field refers to a field that extracts information between at least two configuration accounts.

As an example, after receiving a trigger request for generating a preparation verification code, the current system may query a security information data table based on at least two to-be-billed accounts, determine a configuration account matched with the at least two to-be-billed accounts as target security information, and determine a configuration encryption algorithm and a configuration key field in the target security information as a target encryption algorithm and a target key field matched with the at least two to-be-billed accounts, respectively, where the query and acquisition process is simple and convenient to operate.

The target encryption algorithm in this example may be understood as an algorithm required for encrypting information transmitted between at least two accounts to be billed, and may be, but is not limited to, the MD5 algorithm. The target key field refers to a field for extracting information transmitted between at least two accounts to be billed, for example, a certificate number field or a time stamp field.

S502: and extracting original key information corresponding to the target key field from the original account opening form.

As an example, the current system may execute a query instruction corresponding to the target key field from an original account opening form in an editable format, and quickly extract original key information corresponding to the target key field from the original account opening form, so as to ensure the efficiency of obtaining the original key information.

S503: and encrypting the original key information by adopting a target encryption algorithm to form a prepare verification code.

As an example, the current system may employ a target encryption algorithm, such as the MD5 algorithm, to encrypt original key information corresponding to all target key fields, and obtain an encrypted preparation verification code, so that the preparation verification code has irreversibility, so that the same target encryption algorithm and target key field of the financial system that receives the preparation verification code are verified, thereby ensuring the security of information transmission between at least two financial systems.

In an embodiment, as shown in fig. 6, after receiving a target account opening form formed by the association system based on the account opening form to be processed, and before generating a common account corresponding to at least two accounts to be opened, the multi-account opening processing further includes:

s601: and executing the safety check logic to judge the account opening application information and determine whether the temporary cabinet check is needed.

The safety check logic is pre-configured check logic used for evaluating whether cabinet approaching check is needed or not so as to ensure the safety of submitting the account opening application information.

As an example, the current system may execute a security check logic, and determine the application information of the user to determine whether a cabinet-approaching check is required or a video check is required. The security check logic may be autonomously determined by the financial systems corresponding to the at least two accounts to be billed. For example, in the process of opening two system accounts, namely the financial system 1 and the financial system 2, the security check logic can determine that the two system accounts adopt a temporary cabinet check mode to carry out security check; in the process of opening the two system accounts of the financial system 3 and the financial system 4, the safety verification of the two system accounts in a video verification mode can be determined through the safety verification logic.

S602: and if the adjacent cabinet check is needed, generating an adjacent cabinet reservation code, sending the adjacent cabinet reservation code to a user terminal corresponding to the user basic information, and generating an adjacent cabinet audit task corresponding to the adjacent cabinet reservation code.

The temporary cabinet reservation code is the only code generated by the current system and used for being sent to the user terminal corresponding to the user basic information, and quick temporary cabinet examination can be realized based on the temporary cabinet reservation code. The counter auditing task is a task which is generated based on the counter appointment code and is related to the counter auditing of the user. The clinical audit task generally comprises clinical wait time and at least one item of clinical audit content.

As an example, when the current system determines that the checking of the temporary counter is required, the reservation code generation script can be adopted to quickly generate the temporary counter reservation code, and account opening reminding information formed based on the temporary counter reservation code and the temporary counter waiting time is sent to the user terminal corresponding to the basic information of the user, so that the user can check the temporary counter to any network point in the financial system corresponding to at least two to-be-billed accounts within the temporary counter waiting time.

As an example, after generating the counter reservation code, the current system generates a counter audit task corresponding to the counter reservation code, where the counter audit task generally includes a counter waiting time and at least one counter audit content, and the counter audit content refers to specific content that needs to be checked.

S603: and if the temporary cabinet auditing task is executed within the temporary cabinet waiting time, the temporary cabinet auditing result is obtained, and the temporary cabinet auditing result is an auditing error, executing and generating a common account corresponding to at least two accounts to be opened.

And the temporary cabinet waiting time is the time for waiting to execute the temporary cabinet auditing result returned by the temporary cabinet auditing task. As an example, when a user performs a counter check to any one of the financial systems corresponding to at least two to-be-billed accounts within the counter waiting time, the counter check task may be triggered and executed based on the counter reservation code, and a single check result corresponding to each counter check content is obtained based on at least one counter check content to perform one-by-one check; if the single audit results corresponding to all the temporary cabinet audit contents are approved, if the temporary cabinet audit results are obtained as the audit is correct, and if the audit is correct, the generation of the common account corresponding to the at least two accounts to be opened is executed, so that the safety of the generation process of the common account corresponding to the at least two accounts to be opened is ensured, and the multi-account opening can reflect the real requirements of the user.

In an embodiment, step S606, namely, if the clinical counter is waiting for a time period, executing a clinical counter audit task to obtain a clinical counter audit result, includes the following steps:

s6031: and receiving a temporary cabinet verification request, wherein the temporary cabinet verification request comprises a temporary cabinet verification code.

The temporary cabinet verification code refers to a verification code input by a user in a verification process of any one of the financial systems corresponding to at least two accounts to be opened.

As an example, the present system may receive a user-triggered check-in request that includes a user-entered check-in code that generally matches the user based on a pre-received check-in reservation code.

S6032: and acquiring the counter appointment code matched with the counter verification code and the counter waiting time corresponding to the counter appointment code based on the counter verification code.

As an example, the current system may query the system database according to the temporary counter verification code, obtain the temporary counter appointment code matching with the temporary counter verification code from the system database, and determine the temporary counter waiting time corresponding to the temporary counter appointment code according to the generation time and the valid period of the temporary counter appointment code. Understandably, the waiting time of the adjacent cabinet corresponding to the adjacent cabinet appointment code is the effective period of the adjacent cabinet appointment code, and the adjacent cabinet audit task can be triggered in the effective period so as to realize the quick audit of the adjacent cabinet.

S6033: and if the current time of the system is within the temporary cabinet waiting time, triggering and executing the temporary cabinet auditing task, and acquiring a single auditing result corresponding to at least one item of temporary cabinet auditing content.

The temporary cabinet auditing task is a task which is generated based on the temporary cabinet reserving code and is related to the temporary cabinet auditing of the user. The clinical audit task generally comprises clinical wait time and at least one item of clinical audit content.

As an example, when the current system verifies that the current time of the system receiving the clinical counter verification request is within the clinical counter waiting time of the clinical counter reservation code matched with the clinical counter verification code, that is, the clinical counter reservation code is determined to be in the valid period, a clinical counter audit task created based on the clinical counter reservation code may be triggered, a user of the clinical counter is audited based on at least one clinical counter audit content in the clinical counter audit task, and a single audit result corresponding to the at least one clinical counter audit content is obtained.

S6034: and if the single audit results corresponding to the at least one item of temporary cabinet audit content are passed through the audit, acquiring the temporary cabinet audit result without error in the audit.

As an example, when the single audit result corresponding to at least one item of temporary counter audit content is that the audit is passed, the current system indicates that all temporary counter audit contents needing to be audited are accurate, so that the accurate temporary counter audit result can be directly obtained, so as to execute the subsequent processing steps.

In one embodiment, as shown in fig. 7, a method for processing multiple account opening is provided, which is illustrated by using the current system in fig. 1 as an example. The multi-account opening processing method comprises the following steps:

s701: and receiving the registration verification code and the account opening form to be processed in the image format sent by the correlation system.

The reported verification code is a verification code generated on the financial system with the highest security level and used for the associated system to perform information security verification. In this example, the provision verification code is a verification code generated on the associated system with a higher security level for the associated system to perform information security verification.

The to-be-processed account opening form is a form formed by comprehensively checking and verifying account opening application information on the financial system with the highest security level. In this example, the to-be-processed account opening form is a form formed after an electronic seal is applied to a printing area corresponding to the original account opening form by the correlation system with the highest security level, and is a form formed after comprehensive audit and verification.

As an example, when a user wants to open system accounts in the financial systems corresponding to at least two to-be-opened accounts at the same time, if the current system is not the financial system with the highest security level, the current system may receive the provision validation code and the to-be-processed opening form that are sent by the associated system with the highest security level after performing the comprehensive audit verification, so as to perform the supplementary audit verification based on the provision validation code and the to-be-processed opening form.

S702: and performing image-text conversion on the account opening form to be processed to obtain the account opening form to be verified.

As an example, the to-be-processed account opening form received by the current system is generally in an image format, and therefore, OCR or other image-text recognition technology needs to be adopted to perform image-text conversion on the to-be-processed account opening form, so as to obtain the to-be-verified account opening form in an editable format.

As an example, after obtaining the account opening form to be verified, the current system may further perform non-null check on the account opening form to be verified, obtain a non-null check result, and perform step S702 only when the non-null check result is a check pass. Wherein, the non-null check is a check result for checking whether the specific field is a null value.

For example, the current system may perform a full-field non-empty check on the form to be verified, that is, the current system detects whether all fields in the form to be verified have empty values by using a text recognition technology; if the contents corresponding to all the fields are not null values, acquiring a non-null verification result passing the verification; and if the content corresponding to at least one field is a null value, acquiring a non-null verification result which cannot pass the verification. Understandably, the adoption of full-field non-null check is helpful to improve the accuracy of the non-null check.

For another example, the current system may also perform non-empty check on necessary fields of the form to be authenticated, where the necessary fields are fields corresponding to content that is necessarily included in the form to be authenticated. In the example, the current system adopts a text recognition technology to recognize the account opening form to be verified so as to determine whether the account opening form to be verified contains preset necessary fields; if the necessary fields are contained, identifying whether the field contents corresponding to the necessary fields are null values; if the field contents corresponding to all the necessary fields are not null values, acquiring a non-null verification result passing the verification; and if any necessary field is not contained or the field content corresponding to at least one necessary field is a null value, acquiring a non-null verification result which cannot pass the verification. Understandably, the adoption of the necessary field non-null check is helpful for improving the efficiency of the non-null check.

S703: and extracting at least two accounts to be opened from the account opening form to be verified, inquiring the safety information data table based on the at least two accounts to be opened, and acquiring a target encryption algorithm and a target key field matched with the at least two accounts to be opened.

As an example, the current system may query the security information data table based on at least two to-be-billed accounts, determine the configuration account matched with the at least two to-be-billed accounts as the target security information, and determine the configuration encryption algorithm and the configuration key field in the target security information as the target encryption algorithm and the target key field matched with the at least two to-be-billed accounts, respectively, where the query and acquisition process is simple and convenient to operate. The target encryption algorithm in this example may be understood as an algorithm required for encrypting information transmitted between at least two accounts to be billed, and may be, but is not limited to, the MD5 algorithm. The target key field refers to a field for extracting information transmitted between at least two accounts to be billed, for example, a certificate number field or a time stamp field.

S704: and extracting key information to be verified corresponding to the target key field from the account opening form to be verified, and encrypting the key information to be verified by adopting a target encryption algorithm to obtain the current verification code.

As an example, the current system may first execute a query instruction corresponding to the target key field from an account opening form to be verified in an editable format, and quickly extract key information to be verified corresponding to the target key field from the account opening form to be verified, so as to ensure the efficiency of obtaining the key information to be verified. And then encrypting the key information to be verified corresponding to all the target key fields by adopting a target encryption algorithm, such as an MD5 algorithm, and acquiring the current verification code formed after encryption, so that the current verification code has irreversibility.

S705: and if the current verification code is consistent with the reported verification code, acquiring the current wind control condition and the associated wind control condition based on at least two accounts to be opened, and determining the supplementary auditing logic according to the current wind control condition and the associated wind control condition.

As an example, the current system compares the current verification code with the backup verification code sent by the associated system; if the current verification code is consistent with the reported verification code, the security verification is approved, and the account opening form to be processed received by the current system is consistent with the account opening form to be processed sent by the associated system, at the moment, the current system only needs to perform supplementary verification and verification on the account opening form to be processed, so that repeated verification is avoided.

As an example, the current system determines a supplementary audit logic based on wind-controlled audit conditions corresponding to at least two to-be-billed accounts, and specifically includes: the current system inquires a wind control condition information table according to at least two accounts to be opened, determines a wind control auditing condition corresponding to a current account of the current system as a current wind control condition, and determines a wind control auditing condition corresponding to a system account of an associated system as an associated wind control condition. And then, calculating the current wind control condition and the associated wind control condition to determine an intersection wind control condition, determining the difference between the current wind control condition and the intersection wind control condition as a supplementary wind control condition, and determining the configuration auditing logic corresponding to the supplementary wind control condition as supplementary auditing logic.

For example, the associated system is a financial system 1, and the associated wind control conditions are A, B, C and D, which are four wind control auditing conditions; the current system is a financial system 2, and the current wind control conditions are C, D and E three wind control auditing conditions; the intersection wind control condition corresponding to the current wind control condition and the associated wind control condition is two wind control auditing conditions of C and D; and determining the difference between the current wind control conditions (C, D and E) and the intersection wind control conditions (C and D), namely determining the wind control auditing condition E as a supplementary wind control condition, and determining the configuration auditing logic corresponding to the supplementary wind control condition as supplementary auditing logic. Understandably, only the supplementary auditing logic is required to be executed in the current system, and the intersection wind control conditions are not required to be repeatedly audited, so that the auditing process is facilitated to be simplified, the auditing efficiency is improved, and the resources and the cost of repeated auditing are saved.

S706: and executing the supplementary checking logic, acquiring a supplementary checking result, if the supplementary checking result is that the checking is passed, forming a target account opening form based on the account opening form to be processed, sending the target account opening form to the association system, and receiving the common account corresponding to at least two accounts to be opened sent by the association system.

As an example, when the current system executes the supplementary audit logic to audit the to-be-processed account opening form, and obtains a supplementary audit result, and when the supplementary audit result is that the audit is passed, a target account opening form is formed based on the to-be-processed account opening form, the target account opening form is sent to the association system, a common account corresponding to at least two to-be-opened accounts sent by the association system is received, and the association system is a financial system sending a backup verification code and the to-be-processed account opening form.

As an example, the account opening form to be processed includes a stamp area and stamp requirement information corresponding to the current system, then step S705 specifically includes: (1) and executing the supplementary auditing logic, acquiring a supplementary auditing result, triggering a seal using request if the supplementary auditing result is that the auditing is passed, calling a seal acquiring interface according to the seal using requirement information corresponding to the seal using area, and acquiring an electronic seal image corresponding to the seal using requirement information. Understandably, the electronic seal image can be an electronic seal image of the current system, and can also be an electronic seal image special for an auditing flow node corresponding to each wind control auditing condition. (2) And performing transparency processing on the electronic seal image to obtain a transparent seal image, wherein the processing process is similar to the step S403, and is not repeated here to avoid repetition. (3) And repeating the center of the transparent seal image and the center of the printing area in the account opening form to be processed, synthesizing the account opening form to be processed and the transparent seal image, and obtaining the target account opening form in the image format, wherein the processing process is similar to the step S404, and is not repeated here in order to avoid repetition.

As an example, after step S706, the current system may further perform the following steps: (1) executing safety check logic to judge the account opening application information and determine whether the temporary cabinet check is needed; (2) if the temporary cabinet check is needed, generating a temporary cabinet reservation code, sending the temporary cabinet reservation code to a user terminal corresponding to the user basic information, and generating a temporary cabinet audit task corresponding to the temporary cabinet reservation code; (3) and if the temporary cabinet auditing task is executed within the temporary cabinet waiting time, the temporary cabinet auditing result is obtained, and the temporary cabinet auditing result is an auditing error, executing and generating a common account corresponding to at least two accounts to be opened. The above process is consistent with steps S601-S603, and is not repeated here. Understandably, after the step S706, the above operations may also be performed on the current system with a lower security level, so that the check of the user on the counter can be completed at any website in the current system with a lower security level, and the user can conveniently select at least two financial systems corresponding to the to-be-billed accounts to perform the check on the counter, thereby improving the efficiency of the check on the counter of the user.

In the multi-account opening processing method provided by the embodiment, the registration verification code and the to-be-processed opening form in the image format, which are sent by the association system, can be received, and the to-be-processed opening form is the form in the image format formed after comprehensive verification and verification, so that manual tampering can be avoided; the security verification is carried out by using the current verification code and the reported verification code determined according to the account opening form to be processed, so that the security of communication between the current system and the associated system is guaranteed; the method comprises the steps that current wind control conditions and associated wind control conditions are obtained based on at least two accounts to be opened, then supplementary auditing logics are determined according to the current wind control conditions and the associated wind control conditions, the supplementary auditing logics are executed for supplementary auditing verification, repeated auditing of intersection wind control conditions is not needed, the auditing process is simplified, the auditing efficiency is improved, and resources and cost of repeated auditing are saved; and when the supplementary audit result is that the audit is passed, forming a target account opening form based on the account opening form to be processed, sending the target account opening form to the association system, and receiving the common account numbers which are sent by the association system and correspond to at least two accounts to be opened so as to achieve the purpose of opening accounts with multiple accounts.

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 inherent logic, and should not constitute any limitation to the implementation process of the embodiments of the present invention.

In an embodiment, a multi-account opening processing device is provided, and the multi-account opening processing device corresponds to the multi-account opening processing method in the embodiment one to one. As shown in fig. 8, the multi-account opening processing apparatus includes the following functional modules:

the account opening application information receiving module 801 is configured to receive account opening application information, where the account opening application information includes at least two accounts to be opened and user basic information, and one of the at least two accounts to be opened is a current account.

The general verification result obtaining module 802 is configured to determine whether a comprehensive audit condition is met according to at least two accounts to be opened and information sources corresponding to the account opening application information, and perform general content verification on the user basic information when the comprehensive audit condition is met to obtain a general verification result.

An original account opening form obtaining module 803, configured to obtain, if the general verification result is that the verification passes, an original account opening form based on at least two accounts to be opened and the basic user information, where the original account opening form includes a print area and print requirement information corresponding to the print area.

And the to-be-processed account-opening form obtaining module 804 is configured to send the original account-opening form to an audit process node corresponding to the comprehensive audit verification, and at the audit process node, add an electronic seal corresponding to the information of the requirement for printing to the printing area of the original account-opening form to form an image-formatted to-be-processed account-opening form.

The verification code form sending module 805 is configured to form a preparation verification code based on at least two to-be-billed accounts and the original account opening form, and send the preparation verification code and the to-be-processed account opening form to an association system corresponding to at least one to-be-billed account other than the current account.

And a common account generation module 806, configured to generate a common account corresponding to at least two to-be-issued accounts if a target account opening form formed by the association system based on the to-be-processed account opening form is received within the supplementary waiting time.

Preferably, the original account opening form obtaining module includes:

and the joint account opening template acquisition unit is used for generating a joint account opening template corresponding to at least two accounts to be opened based on the at least two accounts to be opened, and the joint account opening template comprises an account opening information item and an information filling area corresponding to the account opening information item, and further comprises a printing area and printing demand information corresponding to the printing area.

And the target account opening data acquisition unit is used for extracting account opening item information corresponding to all account opening information items from the basic information of the user to acquire target account opening data.

And the target account opening data filling unit is used for filling at least two accounts to be opened and the target account opening data in the combined account opening template to obtain an original account opening form.

Preferably, the pending account opening form obtaining module includes:

and the original form image acquisition unit is used for carrying out image conversion on the original account opening form and acquiring an original form image corresponding to the original account opening form.

And the electronic seal image acquisition unit is used for calling the seal acquisition interface according to the seal using demand information corresponding to the seal using area and acquiring the electronic seal image corresponding to the seal using demand information.

And the transparent seal image acquisition unit is used for performing transparentization processing on the electronic seal image to acquire a transparent seal image.

And the image synthesis unit is used for superposing the center of the transparent seal image and the center of the printing area in the original form image, synthesizing the transparent seal image and the original form image and acquiring the account opening form to be processed in an image format.

Preferably, the verification code form sending module includes:

and the safety information query unit is used for querying the safety information data table based on the at least two accounts to be billed and acquiring a target encryption algorithm and a target key field matched with the at least two accounts to be billed.

And the original key information acquisition unit is used for extracting the original key information corresponding to the target key field from the original account opening form.

And the equipment verification code forming unit is used for encrypting the original key information by adopting a target encryption algorithm to form an equipment verification code.

Preferably, the multi-account opening processing device further includes:

and the cabinet facing checking judgment module is used for executing the safety checking logic to judge the account opening application information and determining whether cabinet facing checking is required or not.

And the temporary cabinet reservation code processing module is used for generating a temporary cabinet reservation code if temporary cabinet verification is required, sending the temporary cabinet reservation code to the user terminal corresponding to the user basic information, and generating a temporary cabinet auditing task corresponding to the temporary cabinet reservation code.

And the temporary cabinet auditing processing module is used for executing a temporary cabinet auditing task to obtain a temporary cabinet auditing result if the temporary cabinet auditing result is in the temporary cabinet waiting time, and executing and generating a common account corresponding to at least two accounts to be opened if the temporary cabinet auditing result is correct.

In an embodiment, a multi-account opening processing device is provided, and the multi-account opening processing device corresponds to the multi-account opening processing method in the embodiment one to one. As shown in fig. 9, the multi-account opening processing apparatus includes the following functional modules:

the verification code form receiving module 901 is configured to receive an account opening form to be processed, which is sent by an associated system and used for reporting a verification code and an image format.

The to-be-verified account opening form obtaining module 902 is configured to perform image-text conversion on the to-be-processed account opening form to obtain the to-be-verified account opening form.

And the algorithm field query module 903 is configured to extract at least two accounts to be opened from the account opening form to be verified, query the security information data table based on the at least two accounts to be opened, and obtain a target encryption algorithm and a target key field which are matched with the at least two accounts to be opened.

And a current verification code obtaining module 904, configured to extract key information to be verified corresponding to the target key field from the account opening form to be verified, and encrypt the key information to be verified by using a target encryption algorithm to obtain a current verification code.

And a supplementary auditing logic determining module 905, configured to, if the current verification code is consistent with the reported verification code, obtain a current wind control condition and an associated wind control condition based on at least two accounts to be opened, and determine a supplementary auditing logic according to the current wind control condition and the associated wind control condition.

And the supplementary audit verification module 906 is configured to execute supplementary audit logic, obtain a supplementary audit result, form a target account opening form based on the account opening form to be processed if the supplementary audit result is that the audit is passed, send the target account opening form to the association system, and receive the common account corresponding to at least two accounts to be opened sent by the association system.

For specific limitations of the multi-account opening processing device, reference may be made to the above limitations of the multi-account opening processing method, which is not described herein again. The modules in the multi-account opening processing device can be wholly or partially implemented 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 the algorithm adopted or generated by the multi-account opening 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 multi-account opening processing method.

In an 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 method for processing multiple account opening in the foregoing embodiments is implemented, for example, S201-S206 shown in fig. 2, or shown in fig. 3 to 7, which is not described herein again to avoid repetition. Alternatively, the processor implements the functions of each module/unit in the embodiment of the multi-account opening processing apparatus when executing the computer program, for example, the functions of the multi-account opening processing shown in fig. 8 or fig. 9, and are not described herein again to avoid repetition.

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 multi-account opening processing method in the foregoing embodiments, for example, S201-S206 shown in fig. 2, or shown in fig. 3 to fig. 7, which is not described herein again to avoid repetition. Alternatively, the computer program, when executed by the processor, implements the functions of the modules/units in the embodiment of the multi-account opening processing apparatus, for example, the functions of the multi-account opening processing 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 above embodiments may be implemented by hardware that is related to instructions of a computer program, the computer program may be stored in a non-volatile readable storage medium or a volatile readable storage medium, and the computer program may include the processes of the above embodiments of the methods when executed. Any reference to memory, storage, database, or other medium used in the embodiments provided herein may include non-volatile and/or volatile memory. 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.

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 (10)

1. A multi-account opening processing method is characterized by comprising the following steps:

receiving account opening application information, wherein the account opening application information comprises at least two accounts to be opened and user basic information, and one of the at least two accounts to be opened is a current account;

judging whether a comprehensive auditing condition is met or not according to at least two accounts to be opened and information sources corresponding to the account opening application information, and carrying out general content verification on the user basic information to obtain a general verification result when the comprehensive auditing condition is met;

if the general verification result is that the verification is passed, acquiring an original account opening form based on at least two accounts to be opened and the basic user information, wherein the original account opening form comprises a printing area and printing demand information corresponding to the printing area;

sending the original account-opening form to an auditing process node corresponding to comprehensive auditing verification, and adding an electronic seal corresponding to the printing demand information to a printing area of the original account-opening form at the auditing process node to form an account-opening form to be processed in an image format;

forming a preparation verification code based on at least two accounts to be opened and the original account opening form, and sending the preparation verification code and the account opening form to be processed to at least one correlation system corresponding to the accounts to be opened except the current account;

and if a target account opening form formed by the association system based on the account opening form to be processed is received within the supplementary waiting time, generating a common account corresponding to at least two accounts to be opened.

2. The multi-account opening processing method according to claim 1, wherein the obtaining of the original opening form based on at least two of the to-be-opened accounts and the basic user information comprises:

generating a combined account opening template corresponding to at least two accounts to be opened based on the at least two accounts to be opened, wherein the combined account opening template comprises an account opening information item and an information filling area corresponding to the account opening information item, and further comprises a printing area and printing demand information corresponding to the printing area;

extracting account opening item information corresponding to all the account opening information items from the user basic information to obtain target account opening data;

and filling at least two accounts to be opened and the target account opening data in the combined account opening template to obtain an original account opening form.

3. The multi-account opening processing method according to claim 1, wherein said forming an account opening form to be processed in an image format by applying an electronic seal corresponding to the seal demand information to a seal application area of the original account opening form comprises:

performing image conversion on the original account opening form to obtain an original form image corresponding to the original account opening form;

calling a seal acquisition interface according to the seal using demand information corresponding to the seal using area, and acquiring an electronic seal image corresponding to the seal using demand information;

performing transparentization processing on the electronic seal image to obtain a transparent seal image;

and superposing the center of the transparent seal image with the center of the printing area in the original form image, and synthesizing the transparent seal image and the original form image to obtain the account opening form to be processed in an image format.

4. The multi-account opening processing method according to claim 1, wherein the forming of the provision verification code based on the at least two accounts to be opened and the original opening form comprises:

inquiring a safety information data table based on at least two accounts to be billed, and acquiring a target encryption algorithm and a target key field matched with the at least two accounts to be billed;

extracting original key information corresponding to the target key field from the original account opening form;

and encrypting the original key information by adopting the target encryption algorithm to form a provision verification code.

5. The multi-account opening processing method according to claim 1, wherein after the receiving a target opening form formed by the correlation system based on the to-be-processed opening form and before the generating a common account number corresponding to at least two of the to-be-opened accounts, the multi-account opening processing method further comprises:

executing safety check logic to judge the account opening application information and determine whether the temporary cabinet check is needed;

if the temporary cabinet check is needed, generating a temporary cabinet reservation code, sending the temporary cabinet reservation code to a user terminal corresponding to the user basic information, and generating a temporary cabinet audit task corresponding to the temporary cabinet reservation code;

and if the temporary cabinet auditing task is executed within the temporary cabinet waiting time, the temporary cabinet auditing result is obtained, and the temporary cabinet auditing result is an auditing error, the generation of the shared account corresponding to at least two accounts to be opened is executed.

6. A multi-account opening processing method is characterized by comprising the following steps:

receiving a to-be-processed account opening form of a preparation verification code and an image format sent by a correlation system;

performing image-text conversion on the account opening form to be processed to obtain an account opening form to be verified;

extracting at least two accounts to be opened from the account opening form to be verified, inquiring a safety information data table based on the at least two accounts to be opened, and acquiring a target encryption algorithm and a target key field matched with the at least two accounts to be opened;

extracting key information to be verified corresponding to the target key field from the account opening form to be verified, and encrypting the key information to be verified by adopting the target encryption algorithm to obtain a current verification code;

if the current verification code is consistent with the preparation verification code, acquiring a current wind control condition and an associated wind control condition based on at least two accounts to be opened, and determining a supplementary auditing logic according to the current wind control condition and the associated wind control condition;

and executing the supplementary checking logic, obtaining a supplementary checking result, if the supplementary checking result is that the checking is passed, forming a target account opening form based on the account opening form to be processed, sending the target account opening form to the association system, and receiving the common account numbers which are sent by the association system and correspond to at least two accounts to be opened.

7. A multi-account opening processing apparatus, comprising:

the account opening application information receiving module is used for receiving account opening application information, the account opening application information comprises at least two accounts to be opened and user basic information, and one of the at least two accounts to be opened is a current account;

the general verification result acquisition module is used for judging whether comprehensive audit conditions are met or not according to at least two accounts to be opened and information sources corresponding to the account opening application information, and performing general content verification on the user basic information to acquire a general verification result when the comprehensive audit conditions are met;

an original account opening form obtaining module, configured to obtain an original account opening form based on at least two accounts to be opened and the user basic information if the general verification result is that the verification passes, where the original account opening form includes a print area and print demand information corresponding to the print area;

the to-be-processed account-opening form acquisition module is used for sending the original account-opening form to an auditing flow node corresponding to comprehensive auditing verification, and an electronic seal corresponding to the printing demand information is added to a printing area of the original account-opening form at the auditing flow node to form an image-format to-be-processed account-opening form;

a verification code form sending module, configured to form a preparation verification code based on at least two accounts to be opened and the original account opening form, and send the preparation verification code and the account opening form to be processed to an association system corresponding to at least one account to be opened except for the current account;

and the common account generation module is used for generating common accounts corresponding to at least two accounts to be opened if a target account opening form formed by the association system based on the account opening form to be processed is received within the supplementary waiting time.

8. A multi-account opening processing apparatus, comprising:

the verification code form receiving module is used for receiving the registration verification code and the account opening form to be processed in the image format, which are sent by the correlation system;

the account opening form to be verified acquisition module is used for performing image-text conversion on the account opening form to be processed to acquire the account opening form to be verified;

the algorithm field query module is used for extracting at least two accounts to be opened from the account opening form to be verified, querying a safety information data table based on the at least two accounts to be opened and acquiring a target encryption algorithm and a target key field matched with the at least two accounts to be opened;

the current verification code acquisition module is used for extracting key information to be verified corresponding to the target key field from the account opening form to be verified, and encrypting the key information to be verified by adopting the target encryption algorithm to acquire a current verification code;

a supplementary auditing logic determining module, configured to, if the current verification code is consistent with the preparation verification code, obtain a current wind control condition and an associated wind control condition based on at least two accounts to be opened, and determine supplementary auditing logic according to the current wind control condition and the associated wind control condition;

and the supplementary audit verification module is used for executing the supplementary audit logic, acquiring a supplementary audit result, if the supplementary audit result is that the audit is passed, forming a target account opening form based on the account opening form to be processed, sending the target account opening form to the association system, and receiving the common account corresponding to at least two accounts to be opened sent by the association system.

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 multi-account opening 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 multi-account opening processing method according to any one of claims 1 to 6.

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