CN113285943A - Mobile phone number unbinding method and device for bank sleep account - Google Patents
Mobile phone number unbinding method and device for bank sleep account Download PDFInfo
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- 238000000034 method Methods 0.000 title claims abstract description 40
- 238000001556 precipitation Methods 0.000 claims abstract description 15
- 230000006399 behavior Effects 0.000 claims abstract description 12
- 238000012216 screening Methods 0.000 claims abstract description 11
- 230000000694 effects Effects 0.000 claims description 19
- 238000004590 computer program Methods 0.000 claims description 15
- 230000000977 initiatory effect Effects 0.000 claims description 11
- 230000008021 deposition Effects 0.000 claims description 6
- 238000012546 transfer Methods 0.000 claims description 6
- 238000004806 packaging method and process Methods 0.000 claims description 5
- 230000001376 precipitating effect Effects 0.000 claims description 3
- 238000010586 diagram Methods 0.000 description 16
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L63/00—Network architectures or network communication protocols for network security
- H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
Abstract
The invention discloses a method and a device for unbinding a mobile phone number of a bank sleep account, which relate to the technical field of 5G and comprise the following steps: screening out bank accounts which do not generate account transaction after the preset time length is exceeded according to transaction behavior data of a client, and determining the bank accounts which do not generate account transaction after the preset time length is exceeded as sleep accounts; inquiring whether a precipitation asset exists in the sleep account, and inquiring whether a signed fund service exists in the sleep account when the precipitation asset does not exist in the sleep account; when the signed fund service exists in the sleep account, a request for whether to release the fund service and whether to unbind the reserved mobile phone number is initiated to the client in a 5G message mode; when receiving an instruction of a customer for confirming the fund resolving service and unbinding the reserved mobile phone number, the method and the system have the advantages that the fund resolving service signed by the sleep account is resolved, and the reserved mobile phone number bound with the sleep account is unbound.
Description
Technical Field
The invention relates to the technical field of fifth-generation mobile communication, in particular to a method and a device for unbinding a mobile phone number of a bank sleep account.
Background
At present, when a customer applies for a mobile phone bank by self, if the mobile phone number of the customer is occupied, a command of canceling the mobile phone bank needs to be sent to the bank on the premise of confirming that the mobile phone number is used by the customer, so that the service of canceling the mobile phone bank by the mobile phone number is realized. The bank can inform the old number owner of the mobile phone number according to the reserved address, and after the binding between the mobile phone number and the old number owner is released through the artificial counter or the intelligent counter, the customer is informed to apply for the mobile phone bank, the flow is complicated, a large amount of human resources are consumed, the binding releasing efficiency of the mobile phone number is low, the informing message is delayed, and the customer experience is poor.
In view of the above problems, no effective solution has been proposed.
Disclosure of Invention
The embodiment of the invention provides a mobile phone number unbinding method for a bank sleep account, which is used for improving the unbinding efficiency of the mobile phone number of the bank sleep account and avoiding conflict of mobile phone number occupation in advance, and comprises the following steps:
screening out bank accounts which do not generate account transaction after the preset time length is exceeded according to transaction behavior data of a client, and determining the bank accounts which do not generate account transaction after the preset time length is exceeded as sleep accounts;
inquiring whether a precipitation asset exists in the sleep account, and inquiring whether a signed fund service exists in the sleep account when the precipitation asset does not exist in the sleep account;
when the signed fund service exists in the sleep account, a request for whether to release the fund service and whether to unbind the reserved mobile phone number is initiated to the client in a 5G message mode;
when receiving an instruction of a customer for confirming the fund releasing service and releasing the reserved mobile phone number, releasing the fund service signed by the sleep account, and releasing the reserved mobile phone number bound with the sleep account, wherein the released reserved mobile phone number is used for registering a new bank account.
The embodiment of the invention provides a mobile phone number unbinding device of a bank sleep account, which is used for improving the unbinding efficiency of the mobile phone number of the bank sleep account and avoiding the conflict of mobile phone number occupation in advance, and comprises the following components:
the sleep account determining module is used for screening out the bank accounts which do not generate the account transaction after the preset time length according to the transaction behavior data of the client, and determining the bank accounts which do not generate the account transaction after the preset time length as the sleep accounts;
the inquiry module is used for inquiring whether the sleep account has the deposit assets or not, and inquiring whether the sleep account has the signed fund business or not when the sleep account does not have the deposit assets;
the system comprises a release binding request module, a release binding request module and a release binding request module, wherein the release binding request module is used for initiating a request for releasing or not the fund transfer service and releasing or not the reserved mobile phone number to a client in a 5G message form when the contracted fund service exists in a sleep account;
and the unbinding module is used for unbinding the fund service signed by the sleep account and unbinding the reserved mobile phone number bound with the sleep account when receiving an instruction of confirming the unbound fund service and unbinding the reserved mobile phone number by the client, wherein the unbound reserved mobile phone number is used for registering a new bank account.
The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can run on the processor, wherein the processor realizes the mobile phone number unbinding method of the bank sleep account when executing the computer program.
The embodiment of the invention also provides a computer readable storage medium, and the computer readable storage medium stores a method for executing the mobile phone number unbinding of the bank sleep account.
The embodiment of the invention comprises the following steps: screening out bank accounts which do not generate account transaction after the preset time length is exceeded according to transaction behavior data of a client, and determining the bank accounts which do not generate account transaction after the preset time length is exceeded as sleep accounts; inquiring whether a precipitation asset exists in the sleep account, and inquiring whether a signed fund service exists in the sleep account when the precipitation asset does not exist in the sleep account; when the signed fund service exists in the sleep account, a request for whether to release the fund service and whether to unbind the reserved mobile phone number is initiated to the client in a 5G message mode; when an instruction that a customer confirms to release the fund service and unbind the reserved mobile phone number is received, the fund service contracted by the sleep account is released, and the reserved mobile phone number bound with the sleep account is unbound, wherein the unbound reserved mobile phone number is used for registering a new bank account.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts. In the drawings:
fig. 1 is a schematic diagram of a flow of a mobile phone number unbinding method for a bank sleep account in the embodiment of the invention;
FIG. 2 is a schematic illustration of a marketing campaign recommendation flow in an embodiment of the present invention;
fig. 3 is a schematic diagram of a structure of a mobile phone number unbinding device of a bank sleep account in the embodiment of the invention;
fig. 4 is a schematic diagram of another structure of a mobile phone number unbinding device for a bank sleep account in the embodiment of the invention;
fig. 5 is a schematic diagram of a specific structure of the marketing campaign pushing module.
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 only a part of the embodiments of the present invention, and not all of the embodiments. 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.
As will be appreciated by one skilled in the art, embodiments of the present invention may be embodied as a system, apparatus, method or computer program product. Accordingly, the present disclosure may be embodied in the form of: entirely hardware, entirely software (including firmware, resident software, micro-code, etc.), or a combination of hardware and software.
The embodiment of the invention provides a mobile phone number unbinding method for a bank sleep account, which is used for improving the unbinding efficiency of the mobile phone number of the bank sleep account and avoiding conflict of mobile phone number occupation in advance, and fig. 1 is a schematic diagram of a flow of the mobile phone number unbinding method for the bank sleep account in the embodiment of the invention, and as shown in fig. 1, the method comprises the following steps:
step 101: screening out bank accounts which do not generate account transaction after the preset time length is exceeded according to transaction behavior data of a client, and determining the bank accounts which do not generate account transaction after the preset time length is exceeded as sleep accounts;
step 102: inquiring whether a precipitation asset exists in the sleep account, and inquiring whether a signed fund service exists in the sleep account when the precipitation asset does not exist in the sleep account;
step 103: when the signed fund service exists in the sleep account, a request for whether to release the fund service and whether to unbind the reserved mobile phone number is initiated to the client in a 5G message mode;
step 104: when receiving an instruction of a customer for confirming the fund releasing service and releasing the reserved mobile phone number, releasing the fund service signed by the sleep account, and releasing the reserved mobile phone number bound with the sleep account, wherein the released reserved mobile phone number is used for registering a new bank account.
As shown in fig. 1, an embodiment of the present invention is implemented by: screening out bank accounts which do not generate account transaction after the preset time length is exceeded according to transaction behavior data of a client, and determining the bank accounts which do not generate account transaction after the preset time length is exceeded as sleep accounts; inquiring whether a precipitation asset exists in the sleep account, and inquiring whether a signed fund service exists in the sleep account when the precipitation asset does not exist in the sleep account; when the signed fund service exists in the sleep account, a request for whether to release the fund service and whether to unbind the reserved mobile phone number is initiated to the client in a 5G message mode; when an instruction that a customer confirms to release the fund service and unbind the reserved mobile phone number is received, the fund service contracted by the sleep account is released, and the reserved mobile phone number bound with the sleep account is unbound, wherein the unbound reserved mobile phone number is used for registering a new bank account.
In specific implementation, in step 101, a bank account that does not generate account-shifting transaction for more than a preset time period may be screened out periodically according to the customer transaction behavior data of the bank operation center, where the preset time period may be 3 years, the bank account that does not generate account-shifting transaction for more than 3 years is determined as a sleep account, and then, in step 102, whether a sediment asset exists in the sleep account is inquired.
Fig. 2 is a schematic diagram of a marketing campaign recommendation process in an embodiment of the present invention, as shown in fig. 2, in an embodiment, the method further includes:
step 201: when the deposit assets exist in the sleep account, inquiring bank marketing activities matched with the deposit assets according to the amount and the type of the deposit assets;
step 202: and packaging the bank marketing activity information matched with the deposit assets into 5G messages and pushing the 5G messages to the reserved mobile phone number bound to the sleep account.
In one embodiment, precipitating the asset includes at least: deposits, funds, and securities;
the fund service at least comprises the following steps: and the quick payment service and the transfer service are ordered.
In specific implementation, when the precipitated assets exist in the sleep account, for example: deposit assets such as deposits, funds, securities and the like indicate that the sleep account cannot be cancelled, bank marketing activities matched with the deposit assets can be inquired from a bank marketing activity center according to the amount and the type of the deposit assets, bank marketing activity entries matched with the deposit assets are packaged into 5G messages to be pushed to reserved mobile phone numbers bound to the sleep account, the 5G messages are upgrading of short message services and are basic telecommunication services of operators, leap of business experience is realized on the basis of IP technology, the supported media formats are more, the expression forms are richer, the bank marketing activities are recommended to the reserved mobile phone numbers bound to the sleep account, the deposit assets of the sleep account can be activated, and the rerun of the deposit assets is realized.
In one embodiment, the method for initiating a request for whether to release fund service and release a reserved mobile phone number to a client in the form of a 5G message comprises the following steps:
and initiating a request for whether to release the fund service and whether to release the reserved mobile phone number to all information receiving ends signed with the reserved mobile phone number in a 5G message form.
In specific implementation, in step 102, when there is no deposit fund in the sleep account, it indicates that the sleep account does not need to exist continuously, and may query whether there is a contracted fund service in the sleep account, where the fund service may include: the quick payment service and the transfer service are ordered, and other services can be included.
In step 103, when the contracted fund service exists in the sleep account, a request for whether to release the fund service and whether to unbind the reserved mobile phone number is initiated to the customer in the form of a 5G message, and when the request is specifically sent, the reserved mobile phone number bound to the sleep account and all information receiving ends contracted by the reserved mobile phone number can be initiated in the form of the 5G message, wherein the 5G message can be, for example, "your bank account still has the contracted fund service, and for avoiding risks, please confirm whether the mobile phone number is occupied", and an information receiving end contracted by the reserved mobile phone number can include a WeChat, a Payment treasure and an Internet Bank, so that the customer can be ensured to receive the request for release and unbinding, and when the contracted fund service does not exist in the sleep account, the request for whether to release the reserved mobile phone number can be initiated to the customer in the form of the 5G message.
In one embodiment, the method further comprises: when the instruction that the customer confirms to release the fund service and unbind the reserved mobile phone number is not received, after the preset waiting time is up, the fund service signed by the sleep account is released, and the reserved mobile phone number bound with the sleep account is unbound.
In step 104, when an instruction of a customer for confirming to release the fund service and unbinding the reserved mobile phone number is received, all the fund services signed by the sleep account can be released through the bank signing management center, after the release is completed, the reserved mobile phone number is started to be unbound, a reserved mobile phone number unbinding instruction bound with the sleep account is sent to the bank account management center, the reserved mobile phone number bound with the sleep account is unbound, if the customer does not give an unbinding instruction for a long time, after a preset waiting time, the fund service signed by the sleep account is automatically released, and the reserved mobile phone number bound with the sleep account is unbound, wherein the preset waiting time can be half a year.
When the reserved mobile phone number after unbinding is used by a new number owner, the new number owner can directly register a new bank account with the mobile phone number, and does not need to communicate with the old number owner for many times by staff, the new number owner and the old number owner, so that conflict of occupation of the mobile phone number is avoided, and customer experience is improved.
It should be noted that while the operations of the method of the present invention are depicted in the drawings in a particular order, this does not require or imply that the operations must be performed in this particular order, or that all of the illustrated operations must be performed, to achieve desirable results. Additionally or alternatively, certain steps may be omitted, multiple steps combined into one step execution, and/or one step broken down into multiple step executions.
Based on the same inventive concept, the embodiment of the invention also provides a mobile phone number unbinding device of the bank sleep account, which is as the following embodiment. The principle of solving the problems of the mobile phone number unbinding device of the bank sleep account is similar to that of the mobile phone number unbinding method of the bank sleep account, so the implementation of the device can be referred to the implementation of the method, and repeated parts are not repeated. As used hereinafter, the term "unit" or "module" may be a combination of software and/or hardware that implements a predetermined function. Although the means described in the embodiments below are preferably implemented in software, an implementation in hardware, or a combination of software and hardware is also possible and contemplated.
The embodiment of the invention provides a mobile phone number unbinding device for a bank sleep account, which is used for improving the unbinding efficiency of the mobile phone number of the bank sleep account and avoiding conflict of mobile phone number occupation in advance, and fig. 3 is a schematic diagram of the structure of the mobile phone number unbinding device for the bank sleep account in the embodiment of the invention, and as shown in fig. 3, the device comprises:
the sleep account determining module 01 is used for screening out bank accounts which do not generate account transaction after exceeding the preset time length according to the transaction behavior data of the client, and determining the bank accounts which do not generate account transaction after exceeding the preset time length as sleep accounts;
the inquiry module 02 is used for inquiring whether a deposit asset exists in the sleep account, and inquiring whether a signed fund service exists in the sleep account when the deposit asset does not exist in the sleep account;
the unbinding request module 03 is used for initiating a request for whether to release the fund service and whether to unbind the reserved mobile phone number to the client in a form of 5G message when the signed fund service exists in the sleep account;
and the unbinding module 04 is used for, when receiving an instruction of a customer for confirming the operation of unbinding the fund service and the reserved mobile phone number, unbinding the fund service signed by the sleep account and unbinding the reserved mobile phone number bound with the sleep account, wherein the unbound reserved mobile phone number is used for registering a new bank account.
Fig. 4 is a schematic view of another structure of a mobile phone number unbinding device for a bank sleep account in an embodiment of the present invention, as shown in fig. 4, in an embodiment, the device further includes: marketing campaign propelling movement module 05, fig. 5 is a schematic diagram of the concrete structure of marketing campaign propelling movement module, as shown in fig. 5, marketing campaign propelling movement module 05 includes:
the marketing activity matching unit 051 is used for inquiring bank marketing activities matched with the deposition assets according to the amount and the types of the deposition assets when the deposition assets exist in the sleep account;
and the marketing activity pushing unit 052 is used for packaging the bank marketing activity information matched with the precipitation assets into 5G messages and pushing the 5G messages to the reserved mobile phone number bound with the sleep account.
In one embodiment, the unbinding request module 03 is specifically configured to:
and initiating a request for whether to release the fund service and whether to release the reserved mobile phone number to all information receiving ends signed with the reserved mobile phone number in a 5G message form.
In one embodiment, precipitating the asset includes at least: deposits, funds, and securities;
the fund service at least comprises the following steps: and the quick payment service and the transfer service are ordered.
As shown in fig. 4, in one embodiment, the apparatus further comprises: an automatic unbinding module 06 for:
when the instruction that the customer confirms to release the fund service and unbind the reserved mobile phone number is not received, after the preset waiting time is up, the fund service signed by the sleep account is released, and the reserved mobile phone number bound with the sleep account is unbound.
The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can run on the processor, wherein the processor realizes the mobile phone number unbinding method of the bank sleep account when executing the computer program.
The embodiment of the invention also provides a computer readable storage medium, and the computer readable storage medium stores a method for executing the mobile phone number unbinding of the bank sleep account.
The following is a specific example to facilitate an understanding of how the invention may be practiced.
The first step is as follows: regularly screening out bank accounts which do not generate account transaction for more than 3 years according to the customer transaction behavior data of the bank operation center, and determining the bank accounts which do not generate account transaction for more than 3 years as sleep accounts;
the second step is that: inquiring whether the sleep account has deposit assets, and executing a third step when the sleep account has deposit, fund, securities and other deposit assets: when the precipitated assets do not exist in the sleep account, executing a fourth step of:
the third step: according to the amount and the type of the deposited asset, inquiring bank marketing activities matched with the deposited asset from a bank marketing activity center, and packaging the bank marketing activity entries matched with the deposited asset into 5G messages to be pushed to a reserved mobile phone number bound to a sleep account;
the fourth step: inquiring whether a signed fund service exists in the sleep account, and when the signed fund service exists in the sleep account, initiating an invitation to all information receiving ends such as a reserved mobile phone number bound to the sleep account and a WeChat, a Paibao, an online banking and the like signed by the reserved mobile phone number in a 5G message mode; when no signed fund service exists in the sleep account, only initiating a request for whether to unbind the reserved mobile phone number;
the fifth step: when receiving an instruction that a customer confirms the fund-clearing service and unbinds a reserved mobile phone number, clearing all the fund services signed by the sleep account through a bank signing management center;
and a sixth step: after the fund service is contracted, starting a reserved mobile phone number to unbind, sending a reserved mobile phone number unbinding instruction bound with the sleep account to a bank account management center, unbinding the reserved mobile phone number bound with the sleep account, automatically contracting the fund service contracted by the sleep account after half a year if a client does not give an unbinding instruction for a long time, and unbinding the reserved mobile phone number bound with the sleep account;
the seventh step: when the unbound reserved mobile phone number is used by the new number owner, the new number owner directly registers a new bank account with the mobile phone number.
In summary, the embodiment of the present invention provides: screening out bank accounts which do not generate account transaction after the preset time length is exceeded according to transaction behavior data of a client, and determining the bank accounts which do not generate account transaction after the preset time length is exceeded as sleep accounts; inquiring whether a precipitation asset exists in the sleep account, and inquiring whether a signed fund service exists in the sleep account when the precipitation asset does not exist in the sleep account; when the signed fund service exists in the sleep account, a request for whether to release the fund service and whether to unbind the reserved mobile phone number is initiated to the client in a 5G message mode; when an instruction that a customer confirms to release the fund service and unbind the reserved mobile phone number is received, the fund service contracted by the sleep account is released, and the reserved mobile phone number bound with the sleep account is unbound, wherein the unbound reserved mobile phone number is used for registering a new bank account.
Although the present invention provides method steps as described in the examples or flowcharts, more or fewer steps may be included based on routine or non-inventive labor. The order of steps recited in the embodiments is merely one manner of performing the steps in a multitude of orders and does not represent the only order of execution. When an actual apparatus or client product executes, it may execute sequentially or in parallel (e.g., in the context of parallel processors or multi-threaded processing) according to the embodiments or methods shown in the figures.
As will be appreciated by one skilled in the art, embodiments of the present description may be provided as a method, apparatus (system) or computer program product. Accordingly, embodiments of the present description may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems) and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
The embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, for the system embodiment, since it is substantially similar to the method embodiment, the description is simple, and for the relevant points, reference may be made to the partial description of the method embodiment. In this document, relational terms such as first and second, and the like may be used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions. Also, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. The terms "upper", "lower", and the like, indicate orientations or positional relationships based on the orientations or positional relationships shown in the drawings, and are only for convenience in describing the present invention and simplifying the description, but do not indicate or imply that the referred devices or elements must have a specific orientation, be constructed and operated in a specific orientation, and thus, should not be construed as limiting the present invention. Unless expressly stated or limited otherwise, the terms "mounted," "connected," and "connected" are intended to be inclusive and mean, for example, that they may be fixedly connected, detachably connected, or integrally connected; can be mechanically or electrically connected; they may be connected directly or indirectly through intervening media, or they may be interconnected between two elements. The specific meanings of the above terms in the present invention can be understood by those skilled in the art according to specific situations. It should be noted that the embodiments and features of the embodiments may be combined with each other without conflict. The present invention is not limited to any single aspect, nor is it limited to any single embodiment, nor is it limited to any combination and/or permutation of these aspects and/or embodiments. Moreover, each aspect and/or embodiment of the present invention may be utilized alone or in combination with one or more other aspects and/or embodiments thereof.
Finally, it should be noted that: the above embodiments are only used to illustrate the technical solution of the present invention, and not to limit the same; while the invention has been described in detail and with reference to the foregoing embodiments, it will be understood by those skilled in the art that: the technical solutions described in the foregoing embodiments may still be modified, or some or all of the technical features may be equivalently replaced; such modifications and substitutions do not depart from the spirit and scope of the present invention, and they should be construed as being included in the following claims and description.
Claims (10)
1. A mobile phone number unbinding method for a bank sleep account is characterized by comprising the following steps:
screening out bank accounts which do not generate account transaction after the preset time length is exceeded according to transaction behavior data of a client, and determining the bank accounts which do not generate account transaction after the preset time length is exceeded as sleep accounts;
inquiring whether a precipitation asset exists in the sleep account, and inquiring whether a signed fund service exists in the sleep account when the precipitation asset does not exist in the sleep account;
when the signed fund service exists in the sleep account, a request for whether to release the fund service and whether to unbind the reserved mobile phone number is initiated to the client in a 5G message mode;
when receiving an instruction of a customer for confirming the fund releasing service and releasing the reserved mobile phone number, releasing the fund service signed by the sleep account, and releasing the reserved mobile phone number bound with the sleep account, wherein the released reserved mobile phone number is used for registering a new bank account.
2. The method of claim 1, further comprising:
when the deposit assets exist in the sleep account, inquiring bank marketing activities matched with the deposit assets according to the amount and the type of the deposit assets;
and packaging the bank marketing activity information matched with the deposit assets into 5G messages and pushing the 5G messages to the reserved mobile phone number bound to the sleep account.
3. The method of claim 1, wherein initiating a request to the customer as a 5G message whether to clear funds and to unbind a reserved phone number comprises:
and initiating a request for whether to release the fund service and whether to release the reserved mobile phone number to all information receiving ends signed with the reserved mobile phone number in a 5G message form.
4. The method of claim 1, wherein the precipitating the asset comprises at least: deposits, funds, and securities;
the fund service at least comprises: and the quick payment service and the transfer service are ordered.
5. The method of claim 1, further comprising:
when the instruction that the customer confirms to release the fund service and unbind the reserved mobile phone number is not received, after the preset waiting time is up, the fund service signed by the sleep account is released, and the reserved mobile phone number bound with the sleep account is unbound.
6. The utility model provides a device is unbound to cell-phone number of bank sleep account which characterized in that includes:
the sleep account determining module is used for screening out bank accounts which do not generate account transaction after the preset time length is exceeded according to transaction behavior data of a client, and determining the bank accounts which do not generate account transaction after the preset time length is exceeded as sleep accounts;
the inquiry module is used for inquiring whether the sleep account has the deposit assets or not, and inquiring whether the sleep account has the signed fund business or not when the sleep account does not have the deposit assets;
the system comprises a release binding request module, a release binding request module and a release binding request module, wherein the release binding request module is used for initiating a request for releasing or not the fund transfer service and releasing or not the reserved mobile phone number to a client in a 5G message form when the contracted fund service exists in a sleep account;
and the unbinding module is used for unbinding the fund service signed by the sleep account and unbinding the reserved mobile phone number bound with the sleep account when receiving an instruction of confirming the unbound fund service and unbinding the reserved mobile phone number by the client, wherein the unbound reserved mobile phone number is used for registering a new bank account.
7. The apparatus of claim 6, further comprising: a marketing campaign push module comprising:
the marketing activity matching unit is used for inquiring bank marketing activities matched with the deposition assets according to the amount and the type of the deposition assets when the deposition assets exist in the sleep account;
and the marketing activity pushing unit is used for packaging the bank marketing activity information matched with the deposit assets into 5G messages and pushing the 5G messages to the reserved mobile phone number bound to the sleep account.
8. The apparatus of claim 6, wherein the unbinding request module is specifically configured to:
and initiating a request for whether to release the fund service and whether to release the reserved mobile phone number to all information receiving ends signed with the reserved mobile phone number in a 5G message form.
9. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the method of any one of claims 1 to 5 when executing the computer program.
10. A computer-readable storage medium, characterized in that the computer-readable storage medium stores a computer program for executing the method of any one of claims 1 to 5.
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| CN113837759A (en) * | 2021-10-09 | 2021-12-24 | 中国银行股份有限公司 | Bank account cancelling method and device |
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