CN113450204A - Enterprise client multi-enterprise account query method and device - Google Patents

Enterprise client multi-enterprise account query method and device Download PDF

Info

Publication number
CN113450204A
CN113450204A CN202110717290.1A CN202110717290A CN113450204A CN 113450204 A CN113450204 A CN 113450204A CN 202110717290 A CN202110717290 A CN 202110717290A CN 113450204 A CN113450204 A CN 113450204A
Authority
CN
China
Prior art keywords
enterprise
information
account
client
customer
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Pending
Application number
CN202110717290.1A
Other languages
Chinese (zh)
Inventor
刘尧
周之巍
张力群
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Industrial and Commercial Bank of China Ltd ICBC
Original Assignee
Industrial and Commercial Bank of China Ltd ICBC
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Industrial and Commercial Bank of China Ltd ICBC filed Critical Industrial and Commercial Bank of China Ltd ICBC
Priority to CN202110717290.1A priority Critical patent/CN113450204A/en
Publication of CN113450204A publication Critical patent/CN113450204A/en
Pending legal-status Critical Current

Links

Images

Classifications

    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02Banking, e.g. interest calculation or account maintenance
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06FELECTRIC DIGITAL DATA PROCESSING
    • G06F16/00Information retrieval; Database structures therefor; File system structures therefor
    • G06F16/20Information retrieval; Database structures therefor; File system structures therefor of structured data, e.g. relational data
    • G06F16/24Querying

Landscapes

  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • General Physics & Mathematics (AREA)
  • Data Mining & Analysis (AREA)
  • Computational Linguistics (AREA)
  • Databases & Information Systems (AREA)
  • General Engineering & Computer Science (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Strategic Management (AREA)
  • Technology Law (AREA)
  • General Business, Economics & Management (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The invention provides a method and a device for inquiring multiple enterprise accounts of enterprise customers, which can be used in the technical field of information security, and the method comprises the following steps: receiving an account inquiry application transmitted by an enterprise client; determining a unique identification number and customer information of an enterprise customer according to the account number query application; and carrying out identity verification and authority verification on the enterprise client according to the client information, and if the verification is passed, determining account information corresponding to the account inquiry application in a plurality of enterprise accounts corresponding to the unique identification number and feeding back the account information to the enterprise client.

Description

Enterprise client multi-enterprise account query method and device
Technical Field
The invention relates to the technical field of multi-enterprise account management, in particular to the technical field of information security, and particularly relates to a multi-enterprise account query method and device for enterprise customers.
Background
At present, when enterprise customers use services such as enterprise account information inquiry of an enterprise electronic bank, enterprise accounts need to be applied and opened on an enterprise electronic bank terminal, and electronic bank services need to be opened. The enterprise electronic bank server establishes an enterprise account after the enterprise client passes the verification and issues a U shield to the enterprise client, and when the enterprise client logs in the enterprise electronic bank to inquire the enterprise account information, the enterprise electronic bank needs to log in by using the U shield as a login and verification tool.
However, the enterprise principal or legal representative of a part of the enterprise may have the same role as multiple enterprise accounts, and therefore, the part of enterprise customers may hold the U-shield of multiple enterprise accounts for logging in the electronic bank of the enterprise to query account information of the corresponding enterprise account. Wherein each U shield is only affiliated to one enterprise. And enterprise clients holding a plurality of U-shaped shields are easy to appear in which enterprise they forget when logging in at the same enterprise electronic bank terminal, and at the moment, the plurality of U-shaped shields need to be mutually switched for query, so that great inconvenience is brought to the query of enterprise client accounts, and the client experience is reduced.
Disclosure of Invention
The invention aims to provide a method for inquiring multiple enterprise account numbers of enterprise clients, which avoids the complicated problems that account number information is difficult to inquire and different U shields are frequently used for switching login when the enterprise clients manage multiple enterprises, and improves the convenience and flexibility of managing the account numbers of the enterprise clients. The invention also aims to provide an enterprise client multi-enterprise account inquiry device. It is a further object of this invention to provide such a computer apparatus. It is a further object of this invention to provide such a readable medium.
In order to achieve the above object, the present invention discloses an enterprise client multi-enterprise account query method, including:
receiving an account inquiry application transmitted by an enterprise client;
determining a unique identification number and customer information of an enterprise customer according to the account number query application;
and performing identity verification and authority verification on the enterprise client according to the client information, and if the verification is passed, determining account information corresponding to the account query application in the multiple enterprise accounts corresponding to the unique identification number and feeding back the account information to the enterprise client.
Preferably, the method further comprises the step of predetermining a plurality of enterprise accounts corresponding to the unique identification number of the enterprise customer:
receiving a registration request of an enterprise client, wherein the registration request comprises identity information of the enterprise client and a plurality of enterprise information to be registered;
generating the unique identification number of the enterprise client according to the registration request;
and performing information verification on the enterprise information and the identity information, and if the information verification is passed, associating the unique identification number of the enterprise customer with the account numbers of the plurality of enterprise information to be registered.
Preferably, the information verification of the enterprise information and the identity information specifically includes:
carrying out consistency check on the enterprise information;
carrying out identity recognition on the enterprise client;
and authorizing through the U shield corresponding to the plurality of enterprise information.
Preferably, the enterprise information includes an enterprise name, an enterprise certificate type, an enterprise certificate number, an enterprise CIS number, an account number corresponding to the CIS number, and an account password, and the performing consistency check on the enterprise information specifically includes:
determining whether the account number corresponds to the enterprise CIS number;
determining whether the enterprise information corresponding to the CIS number corresponds to an enterprise name, an enterprise certificate type and an enterprise certificate number;
determining whether the account password corresponds to the account;
and determining whether the account number has opened the enterprise electronic banking service.
Preferably, the identifying the enterprise client specifically includes:
collecting biological characteristic information of enterprise clients;
and transmitting the identity information of the enterprise client and the biological characteristic information to a public security bureau server for identity recognition.
Preferably, the authorizing by the U shield corresponding to the plurality of enterprise information specifically includes:
forming a U shield to-be-authorized instruction according to the enterprise information and the identity information;
transmitting the instruction to be authorized to a U shield so that enterprise personnel can log in an enterprise bank client through the U shield to authorize the instruction to be authorized;
and receiving the authorization information transmitted by the enterprise client.
Preferably, the associating the unique identification number of the enterprise client with the account numbers of the plurality of enterprise information to be registered specifically includes:
associating the unique identification number of the enterprise customer with account information of the enterprise information to be registered;
and determining the authority information and the validity period of the account access of the enterprise client according to the authorization information.
Preferably, the performing identity verification and permission verification on the enterprise client according to the client information specifically includes:
and judging whether the login state of the enterprise client is normal or not.
It is determined whether the enterprise customer has associated an enterprise account.
It is determined whether the enterprise client's rights information and expiration date are valid.
And determining whether the representative information of the enterprise legal person corresponding to the account in the account query application is consistent with the customer information.
The invention also discloses a device for inquiring the enterprise client multi-enterprise account, which comprises:
the request receiving module is used for receiving an account inquiry application transmitted by an enterprise client;
the request analysis module is used for determining a unique identification number and customer information of an enterprise customer according to the account number query application;
and the account number query module is used for carrying out identity verification and authority verification on the enterprise customer according to the customer information, and if the verification is passed, determining account number query application corresponding account number information in a plurality of enterprise account numbers corresponding to the unique identification number and feeding back the account number information to the enterprise customer.
The invention also discloses a computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor,
the processor, when executing the program, implements the method as described above.
The invention also discloses a computer-readable medium, having stored thereon a computer program,
which when executed by a processor implements the method as described above.
The method for inquiring the multiple enterprise account numbers of the enterprise client can receive an account number inquiry application transmitted by the enterprise client, determines a unique identification number and client information preset by the enterprise client from the account number inquiry application, and after identity verification and authority verification are carried out on the enterprise client, if the verification is passed, the account number information of the corresponding enterprise account number is inquired in an associated mode through the unique identification number, and the account number information corresponding to the unique identification number is fed back to the enterprise client. Therefore, the unique identification number of the enterprise client is preset, and the plurality of enterprise accounts managed by the enterprise client are associated with the unique identification number, so that after the enterprise client transmits the account inquiry application, the account information of the plurality of enterprise accounts managed by the enterprise client can be inquired through the unique identification number in the account inquiry application after the client performs identity verification and authority verification through the account inquiry application, the problem that the account information inquiry is difficult and different U shields are frequently used for switching login when the enterprise client manages a plurality of enterprises is solved, and the convenience and the flexibility of managing the account by the enterprise client are improved.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts.
FIG. 1 is a block diagram illustrating a particular embodiment of an enterprise customer multi-enterprise account query system in accordance with the present invention;
FIG. 2 is a flowchart illustrating an embodiment of a method for enterprise customer multi-enterprise account query;
fig. 3 is a flowchart illustrating an embodiment S000 of the enterprise client multi-enterprise account query method according to the present invention;
fig. 4 is a flowchart illustrating an embodiment S030 of the enterprise client multi-enterprise account query method according to the present invention;
fig. 5 is a flowchart of a specific embodiment S031 of the enterprise client multi-enterprise account query method according to the present invention;
fig. 6 is a flowchart illustrating an embodiment S032 of the method for querying a multiple enterprise account of an enterprise client according to the present invention;
fig. 7 is a flowchart illustrating an embodiment S033 of the enterprise client multi-enterprise account query method according to the present invention;
fig. 8 is a flowchart illustrating an embodiment S034 of the enterprise client multi-enterprise account query method according to the present invention;
fig. 9 is a flowchart illustrating an embodiment S300 of the enterprise client multi-enterprise account query method according to the present invention;
FIG. 10 is a block diagram illustrating an exemplary embodiment of an enterprise client multi-enterprise account querying device;
FIG. 11 illustrates a schematic block diagram of a computer device suitable for use in implementing embodiments of the present 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 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.
It should be noted that the method and the device for querying the multiple enterprise account numbers of the enterprise client disclosed by the application can be used in the technical field of information security and can also be used in any fields except the technical field of information security.
In order to facilitate understanding of the technical solutions provided in the present application, the following first describes relevant contents of the technical solutions in the present application. In the prior art, the banking service of enterprise customers using enterprise electronic banking (online channel) generally requires two steps, the first step is to open a public account number, and the second step is to open the electronic banking service. Firstly, a first step of opening a public account number is that an enterprise represents a legal person or an agent to come to a website to submit enterprise certification information such as enterprise certificate social unified credit codes and the like, and simultaneously submits related documents such as legal person personal identification cards, tax acceptance certification and the like, a host system stores enterprise and personal information of the enterprise on a counter, and synchronously sends a client system of the legal person to generate an enterprise authentication identification (CIS) number, and then a teller opens an account number under the company according to the CIS number and stores the account number in a host user information table. The CIS number is bound with the enterprise certificate number, and only one CIS number can be uniquely corresponding to the enterprise no matter the enterprise generates a plurality of account numbers. The second step is that the teller uses the CIS number or the account number under the CIS number to open the enterprise electronic banking service EBANKC of the enterprise through channels such as the host and the like, namely the host calls the enterprise information under the CIS of the client system of the legal person and sends the enterprise information to the enterprise electronic banking service system, and the electronic banking service system opens an online service channel of the account number of the enterprise for the client through the enterprise pass identity. Currently, in the electronic bank login and payment service of an enterprise, a U shield medium is generally used as a login and signature verification tool. The user roles of the U-shield are generally divided into roles of a sponsor U-shield (submitter) and an authorizer U-shield (administrator). The highest level authorizer U shield at the highest level is typically held by a company director, such as a business representative (corporate, producer, etc.). In summary, an enterprise can only have one CIS number in one bank, and one CIS number can open electronic banking services, that is, hold the U shield of the enterprise, which solves the problem that enterprise responsible persons and legal persons query the account information of the next enterprise under the bill of the enterprise, but still has certain problems: because some enterprise principals and legal persons often have the functions of multiple enterprises at the same time, for management needs, they need to hold the high-level authorizer U shields of multiple enterprises at the same time to inquire the information of the enterprise bank details, receipt and the like, the account number stored in each U shield is only owned by one enterprise, and users are easy to forget which enterprise is logged in when logging in the same equipment, and the like, and at this time, it becomes very inconvenient to hold multiple U shields to switch and inquire each other. According to the enterprise client multi-enterprise account inquiry method provided by the embodiment of the invention, the identity check and the authority check can be carried out on the client through the account inquiry application, and the account information of a plurality of enterprise accounts managed by the enterprise client can be inquired through the unique identification number in the account inquiry application, so that the complex problems that the account information inquiry is difficult and different U shields are frequently used for switching login when the enterprise client manages a plurality of enterprises are avoided, and the convenience and the flexibility of the enterprise client to manage the accounts are improved.
Fig. 1 is a schematic structural diagram of an enterprise customer multi-enterprise account query system according to an embodiment of the present invention, and as shown in fig. 1, the enterprise customer multi-enterprise account query system according to the embodiment of the present invention includes a customer terminal 1 and an enterprise customer multi-enterprise account query device 2.
The client terminal 1 can receive account inquiry operation of an enterprise client to form an account inquiry application, and transmits the account inquiry application to the enterprise client multi-enterprise account inquiry device 2.
The enterprise client multi-enterprise account number inquiry device 2 is used for receiving an account number inquiry application transmitted by an enterprise client, determining a unique identification number and client information of the enterprise client according to the account number inquiry application, performing identity verification and authority verification on the enterprise client according to the client information, and if the verification is passed, determining the account number information of a plurality of enterprise account numbers corresponding to the unique identification number and feeding back the account number information to the enterprise client.
The following describes an implementation process of the enterprise client multi-enterprise account query method according to the embodiment of the present invention, taking the enterprise client multi-enterprise account query device 2 as an example of an execution subject. It can be understood that the executing subject of the enterprise client multi-enterprise account query method provided by the embodiment of the invention includes, but is not limited to, the enterprise client multi-enterprise account query device 2.
According to one aspect of the invention, the embodiment discloses an enterprise client multi-enterprise account inquiry method. As shown in fig. 2, in this embodiment, the method includes:
s100: and receiving an account inquiry application transmitted by an enterprise client.
S200: and determining the unique identification number and the customer information of the enterprise customer according to the account number query application.
S300: and performing identity verification and authority verification on the enterprise client according to the client information, and if the verification is passed, determining account information of a plurality of enterprise accounts corresponding to the unique identification number and feeding back the account information to the enterprise client. The account information may include information such as a balance of the account and transaction details.
The method for inquiring the multiple enterprise account numbers of the enterprise client can receive an account number inquiry application transmitted by the enterprise client, determines a unique identification number and client information preset by the enterprise client from the account number inquiry application, and after identity verification and authority verification are carried out on the enterprise client, if the verification is passed, the account number information of the corresponding enterprise account number is inquired in an associated mode through the unique identification number, and the account number information corresponding to the unique identification number is fed back to the enterprise client. Therefore, the unique identification number of the enterprise client is preset, and the plurality of enterprise accounts managed by the enterprise client are associated with the unique identification number, so that after the enterprise client transmits the account inquiry application, the account information of the plurality of enterprise accounts managed by the enterprise client can be inquired through the unique identification number in the account inquiry application after the client performs identity verification and authority verification through the account inquiry application, the problem that the account information inquiry is difficult and different U shields are frequently used for switching login when the enterprise client manages a plurality of enterprises is solved, and the convenience and the flexibility of managing the account by the enterprise client are improved.
In a preferred embodiment, as shown in fig. 3, the method further includes a step S000 of predetermining a plurality of enterprise accounts corresponding to the unique identification number of the enterprise customer:
s010: a registration request of an enterprise client is received, wherein the registration request comprises identity information of the enterprise client and a plurality of enterprise information to be registered.
S020: and generating the unique identification number of the enterprise client according to the registration request.
S030: and performing information verification on the enterprise information and the identity information, and if the information verification is passed, associating the unique identification number of the enterprise customer with the account numbers of the plurality of enterprise information to be registered.
It can be understood that before conducting account query, an enterprise customer needs to open electronic banking services for multiple enterprises managed by the enterprise customer and set an enterprise account of each enterprise. In the preferred embodiment, the enterprise client can send a registration request to the enterprise client multi-enterprise account inquiry device through the client terminal, and the identity information of the enterprise client and the enterprise information to be registered are set in the registration request and sent to the enterprise client multi-enterprise account inquiry device. Therefore, the enterprise client multi-enterprise account inquiry device can generate the unique identification number according to the identity information of the enterprise client, and then associates the unique identification number of the enterprise client with the account information of the enterprise information to be registered after the identity information of the client and the enterprise information of the enterprises to be registered pass the information verification. If the enterprises corresponding to the plurality of enterprise information have already set account numbers in the bank, the unique identification numbers of enterprise customers can be directly associated with the account numbers set by the enterprises; if the enterprises corresponding to the plurality of enterprise information do not open account numbers in the bank, the account numbers of the enterprises need to be set first, and then the unique identification numbers of the enterprise customers are associated with the account numbers of the enterprises.
For example, in a specific example, an enterprise client as a corporate representative may input registration-related information in a client terminal, and the client terminal forms a registration request including identity information of the enterprise client and a plurality of enterprise information to be registered, based on the information input by the enterprise client. In this specific example, the identity information of the enterprise client includes at least one of the mobile phone number, login password, name and identification number of the client. And verifying the identity information of the enterprise client, judging whether the identity information of the enterprise client is consistent with the pre-stored information of the enterprise client, if so, passing the verification, and further forming the unique identification number F-CIS of the enterprise client.
It should be noted that the unique identification number F-CIS may use one of the identification information of the customer, for example, the unique identification number directly uses the identification number of the customer. Of course, in practical application, an identification number generation rule may also be preset, and a corresponding unique identification number F-CIS is generated for the enterprise customer according to the identification number generation rule.
The enterprise information may include at least one of an enterprise name, an enterprise certificate type, an enterprise certificate number, an enterprise CIS number, an account corresponding to the CIS number, an account password, and the like. Before the enterprise client is associated with the account number of the enterprise, information verification is firstly carried out on identity information of the enterprise client and enterprise information, wherein the information verification of the identity information is used for determining whether the enterprise client which sends a registration request is the client of the identity information and whether the identity information in the registration request is a legal representative of the enterprise corresponding to the enterprise information. The information check of the enterprise information is used for determining whether the enterprise information to be registered of the enterprise client is consistent with the enterprise information of the enterprise registered by the business bureau, and the like. The identity information of the enterprise client and the enterprise information are respectively subjected to information verification, so that the safety of the identity of the registered enterprise client can be ensured, and the safety of an enterprise account is ensured.
In a preferred embodiment, as shown in fig. 4, the information verification of the enterprise information and the identity information by the S030 specifically includes:
s031: and carrying out consistency check on the enterprise information.
S032: and identifying the identity of the enterprise client.
S033: and authorizing through the U shield corresponding to the plurality of enterprise information.
In particular, it is to be appreciated that a consistency check can be performed on the business information to determine the validity and validity of the business information. And identifying the enterprise client to determine that the user currently submitting the registration application is the enterprise client. And performing authorization through the U shield corresponding to the plurality of enterprise information to determine that the enterprise information submitted and registered by the current enterprise client is authorized by the U shield, namely enterprise personnel managing the U shield know and agree that the enterprise client associates the account number of the enterprise information with the unique identification number of the enterprise client. In conclusion, through the information verification of the enterprise information and the identity information in multiple directions, the registration application of the enterprise client is ensured to meet the security requirements of enterprises, banks and the like, the condition that the registration is not met or an impostor is successfully registered is prevented, and the security of the enterprise account is fully ensured.
In a preferred embodiment, as shown in fig. 5, the enterprise information includes an enterprise name, an enterprise certificate type, an enterprise certificate number, an enterprise CIS number, an account corresponding to the CIS number, and an account password, and the performing, by the S031, consistency verification on the enterprise information specifically includes:
s0311: and determining whether the account number corresponds to the business CIS number.
S0312: and determining whether the enterprise information corresponding to the CIS number corresponds to an enterprise name, an enterprise certificate type and an enterprise certificate number.
S0313: determining whether the account password corresponds to the account.
S0314: and determining whether the account number has opened the enterprise electronic banking service.
Specifically, enterprises need to be registered in the bureau of industry and commerce in advance, and the server of the bureau of industry and commerce stores enterprise information of each enterprise. Therefore, in the preferred embodiment, the enterprise information of the enterprise name, the enterprise certificate type and the enterprise certificate number can be transmitted to the business office server, so that the business office server can return other enterprise information corresponding to the enterprise, including information such as the account number, the legal representative information, the account number and the account password of the enterprise, whether to activate the enterprise electronic banking service, and the like. The method for opening the electronic banking service of the enterprise means that a user can acquire various account information of the account opened by the enterprise in a bank through a bank client. And performing consistency check on the enterprise information in the registration request according to the information returned by the business bureau server, namely determining whether the account number corresponds to the CIS number of the enterprise, whether the enterprise information corresponding to the CIS number corresponds to the enterprise name, the type of the enterprise certificate and the number of the enterprise certificate, whether the account number password corresponds to the account number, whether the account number has opened the electronic banking service of the enterprise, and if the comparison results of the above items correspond to each other, indicating that the consistency check of the enterprise information is passed.
In a preferred embodiment, as shown in fig. 6, the identifying the enterprise client by S032 may specifically include:
s0321: and collecting the biological characteristic information of the enterprise client.
S0322: and transmitting the identity information of the enterprise client and the biological characteristic information to a public security bureau server for identity recognition.
Specifically, in order to determine that the client currently sending the registration application is the enterprise client corresponding to the identity information, the identity of the client needs to be further confirmed. In the preferred embodiment, the client is identified according to the acquired biological characteristic information by acquiring the biological characteristic information of the enterprise client, for example, at least one of the biological characteristic information such as face information, fingerprint information and iris information. Specifically, the collected biological characteristic information can be compared through the pre-stored biological characteristic information of the client to identify the identity, and the biological characteristic information of the client can also be identified through the external equipment. In a specific example, the face information of the client can be acquired through image acquisition equipment such as a camera and the like, then the identity information of the client is transmitted to a public security bureau server in which the face information of the citizen is prestored, the prestored face information corresponding to the identity information is acquired, and the acquired prestored face information is compared with the acquired face information of the client to determine whether the identity of the client corresponds to the identity information of the client.
In a preferred embodiment, as shown in fig. 7, the authorizing, by the S033, through the U shield corresponding to the plurality of enterprise information specifically includes:
s0331: and forming a U shield to-be-authorized instruction according to the enterprise information and the identity information.
S0332: and transmitting the instruction to be authorized to the U shield so that enterprise personnel can log in an enterprise client through the U shield to authorize the instruction to be authorized.
S0333: and receiving the authorization information transmitted by the enterprise client.
Specifically, after the information verification of the enterprise information and the identity information in the client registration request is passed, a U-shield authorization waiting instruction can be formed according to the enterprise information and the identity information of the enterprise client. In a preferred embodiment, the instruction to be authorized by the U shield may be transmitted to a bank server that opens an account, so that the bank server transmits the instruction to be authorized to the U shield. The U shield is issued to the hands of enterprise staff when an enterprise sets up an account, so that after receiving the instruction to be authorized, the enterprise staff can use the U shield for login and signature verification to log in an enterprise bank client to authorize the instruction to be authorized. After receiving the authorization operation of enterprise personnel, the bank server can form authorization information according to the authorization operation and transmit the authorization information to the enterprise client multi-enterprise account inquiry device.
In a preferred embodiment, as shown in fig. 8, the associating, by the S030, the unique identification number of the enterprise client with the account numbers of the plurality of enterprise information to be registered specifically includes S034:
s0341: and associating the unique identification number of the enterprise customer with account information of the enterprise information to be registered.
S0342: and determining the authority information and the validity period of the account access of the enterprise client according to the authorization information.
Specifically, when performing online authorization on the instruction to be authorized, the enterprise personnel can set the range of the account number signal that can be queried by the enterprise client, that is, the authority information of account number access. Meanwhile, the account information can be set to be accessible by the enterprise client within a set time range, and the account information can not be inquired any more when the time exceeds the set time range, namely the validity period of the account access of the enterprise client is set. After the authorization information is received, the identity information of the enterprise client and the verification of the enterprise information are both completed, and the unique identification number of the enterprise client can be associated with the account information of the enterprise information to be registered. And meanwhile, setting authority information and validity period for account access of the enterprise client according to the access authority set by the enterprise personnel in the authorization information and the set time range so as to limit the account inquiry function of the enterprise client.
In a preferred embodiment, as shown in fig. 9, the performing, by the S300, an identity check and a permission check on the enterprise client according to the client information specifically includes:
s310: and judging whether the login state of the enterprise client is normal or not.
S320: it is determined whether the enterprise customer has associated an enterprise account.
S330: it is determined whether the enterprise client's rights information and expiration date are valid.
S340: and determining whether the representative information of the enterprise legal person corresponding to the account in the account query application is consistent with the customer information.
Specifically, whether the login state of the enterprise client is normal or not, whether abnormal operation or abnormal information transceiving exists or not and the like can be determined according to the current login operation and the like of the enterprise client, so that the operation safety of the enterprise client is ensured. Further, preferably, after the enterprise client sends the registration request and connects a plurality of enterprise information in parallel, a label of the authenticated enterprise is set for the enterprise client, so that whether the enterprise client is associated with the enterprise information is judged according to whether the label of the authenticated enterprise exists in the enterprise client, and if not, the permission that the enterprise client does not have account inquiry can be directly determined. Further, when the enterprise client is registered, the authority information and the validity period of the enterprise client can be determined according to the authorization information of enterprise personnel, whether the enterprise client has the access authority and whether the enterprise client is still in the validity period or not is determined, and if yes, the authority of the enterprise client is verified to be passed. Finally, the account inquiry application comprises the account to be inquired by the enterprise client, the enterprise information and the representative information of the enterprise legal person corresponding to the account to be inquired can be obtained through the business bureau server, and the information of the enterprise client name, the identity card number and the like in the client information is compared with the representative information of the enterprise legal person to determine whether the identity of the enterprise client requesting the account inquiry at present is representative of the legal person of the enterprise or not so as to determine whether the enterprise client has the authority of inquiring the account or not.
The invention will be further illustrated by means of a specific example. Suppose that a legal person represents Zhang three to manage A, B two companies at the same time, the two companies respectively open enterprise electronic banking services at banks, the CIS numbers are 001 and 002 respectively, and the legal person represents A, B two companies with highest-level U shields a1 and b 1. In this specific example, the method for querying the multiple enterprise account numbers of the enterprise client includes:
step 1: the third, the legal member registers and logs in the client terminal and transmits a registration request through the client terminal, wherein the registration request can comprise a mobile phone number, a login password, a name and an identity card number. And then, taking the identification number of the identity card input by the customer as a unique identification, and automatically generating a virtual unique identification number F-CIS for the customer identification number of the official corporate according to the mobile phone number, the login password and the name. In addition to the client fill-in field, there is another field "whether to authenticate the business" when the client is not registering for a business, and the table is marked as "unauthenticated".
Step 2: an account hooking application can be submitted through an account hooking function. The third legal person can prompt to input or transmit the enterprise information of the first company A to be bound together through a registration request, wherein the enterprise information comprises enterprise names, enterprise certificate types, enterprise certificate numbers, account numbers under the CIS number of the company A, account numbers, passwords and the like. And then, carrying out information verification on the enterprise information, and checking the validity and validity of the information. The enterprise name, the enterprise certificate number and the business bureau are subjected to information check, and the following information can be checked on line with the business bureau server:
1. and inquiring whether the account number belongs to the group CIS.
2. And inquiring whether the account login information (name and identity card number) is consistent or not by comparing with a legal user information table corresponding to the CIS.
3. Whether the account password corresponds to the account.
4. Whether the account number opens the electronic banking service of the enterprise.
And after all the information passes the verification, the next step is carried out.
Step 3: and checking the human face identification information of Zhang III. The face information of Zhang III can be collected through the client terminal, and the face checking interface of the server of the public security department is called to inquire whether the face information is consistent with the face information, the name, the identity card number and the like reserved during account registration. And after the matching is passed, the next step is carried out.
Step 4: and sending a command to be authorized to the a1U shield of the group A through the bank server, and informing the client of binding the account to the client.
Technical description: the client side uploads all verified enterprise information, personal information and account information to the bank server, the bank server inquires enterprises and U shields of electronic banking services of the bank server through the account, informs the instruction library to generate an instruction ABC0000001 to be authorized of the transaction, and designates a1U shield of the group A to authorize. The instruction comprises information of information fields such as a legal mobile phone number, a name, a login password, an identity card number, face identification passing information, an authorization expiration date and the like.
Step 5: a company personnel logs in a company A client through a U shield a1, authorizes the instruction in the valid period, supports setting account number authority, settable authority function authority, inquiring the valid period and the like for Zhang III application, and sends instruction information to a bank server after authorization is passed.
Step 6: and the bank server opens the queryable authority of the account number for the Zhang Sanqi inquiring client according to the authority set by the client of the highest-level authorizer of the company A. The instruction library sets the instruction state of ABC0000001 to pass, simultaneously changes the field 'whether the enterprise is authenticated' into 'authenticated', simultaneously adds a light weight registration account information table of a legal person, and stores the unique identification number F-CIS, the enterprise name, the enterprise certificate number, the hooked account, the account authority and the valid period.
Step 7: zhang III continues to hook the account number of company B, and the process is the same as Step2-Step 6. After the legal person successfully registers the unique identification number F-CIS in the account information table in a lightweight mode, the name of the business B, the certificate number of the business B, the hooked account number, the account number authority and the valid period are added and stored in the same Step2-Step 6.
Step 8: zhang three applications perform function use/query on an account hooked by A, B company, for example, perform account balance query, and the client displays the query result and displays the account balance of the hooked A, B company. Specifically, after receiving an account inquiry application transmitted by an enterprise client, the following judgments are sequentially performed, and after all judgments are passed, account information is acquired and returned to the enterprise client.
1. And judging the safety of the login state of the client.
2. The field "whether to authenticate the enterprise" is "authenticated".
3. And (4) verifying the account authority and the valid period of the legal person lightweight registered user information table.
4. And inquiring whether the representative information of the legal person of the CIS corresponding to the account is consistent with the customer information (name, identity card number) for inquiring the account login.
Based on the same principle, the embodiment also discloses an enterprise client multi-enterprise account inquiry device. As shown in fig. 10, in this embodiment, the apparatus includes a request receiving module 11, a request analyzing module 12, and an account querying module 13.
The request receiving module 11 is configured to receive an account query application transmitted by an enterprise client.
The request analysis module 12 is used for determining the unique identification number and the customer information of the enterprise customer according to the account inquiry application.
The account number query module 13 is configured to perform identity verification and permission verification on the enterprise customer according to the customer information, and if the verification is passed, determine account number query application corresponding to account number information in a plurality of enterprise account numbers corresponding to the unique identification number and feed the account number information back to the enterprise customer.
Since the principle of the device for solving the problems is similar to the method, the implementation of the device can refer to the implementation of the method, and the detailed description is omitted here.
The systems, devices, modules or units illustrated in the above embodiments may be implemented by a computer chip or an entity, or by a product with certain functions. A typical implementation device is a computer device, which may be, for example, a personal computer, a laptop computer, a cellular telephone, a camera phone, a smart phone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.
In a typical example, the computer device specifically comprises a memory, a processor and a computer program stored on the memory and executable on the processor, the processor implementing the method performed by the client as described above when executing the program, or the processor implementing the method performed by the server as described above when executing the program.
Referring now to FIG. 11, shown is a schematic diagram of a computer device 600 suitable for use in implementing embodiments of the present application.
As shown in fig. 11, the computer apparatus 600 includes a Central Processing Unit (CPU)601 which can perform various appropriate works and processes according to a program stored in a Read Only Memory (ROM)602 or a program loaded from a storage section 608 into a Random Access Memory (RAM)) 603. In the RAM603, various programs and data necessary for the operation of the system 600 are also stored. The CPU601, ROM602, and RAM603 are connected to each other via a bus 604. An input/output (I/O) interface 605 is also connected to bus 604.
The following components are connected to the I/O interface 605: an input portion 606 including a keyboard, a mouse, and the like; an output section 607 including a Cathode Ray Tube (CRT), a liquid crystal feedback (LCD), and the like, and a speaker and the like; a storage section 608 including a hard disk and the like; and a communication section 609 including a network interface card such as a LAN card, a modem, or the like. The communication section 609 performs communication processing via a network such as the internet. The driver 610 is also connected to the I/O interface 606 as needed. A removable medium 611 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is mounted on the drive 610 as necessary, so that a computer program read out therefrom is mounted as necessary on the storage section 608.
In particular, according to an embodiment of the present invention, the processes described above with reference to the flowcharts may be implemented as computer software programs. For example, embodiments of the invention include a computer program product comprising a computer program tangibly embodied on a machine-readable medium, the computer program comprising program code for performing the method illustrated in the flow chart. In such an embodiment, the computer program may be downloaded and installed from a network through the communication section 609, and/or installed from the removable medium 611.
Computer-readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), Static Random Access Memory (SRAM), Dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), Read Only Memory (ROM), Electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), Digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices, or any other non-transmission medium that can be used to store information that can be accessed by a computing device. As defined herein, a computer readable medium does not include a transitory computer readable medium such as a modulated data signal and a carrier wave.
For convenience of description, the above devices are described as being divided into various units by function, and are described separately. Of course, the functionality of the units may be implemented in one or more software and/or hardware when implementing the present application.
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.
It should also be noted that 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. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element.
As will be appreciated by one skilled in the art, embodiments of the present application may be provided as a method, system, or computer program product. Accordingly, the present application may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present application 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 application may be described in the general context of computer-executable instructions, such as program modules, being executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types. The application may also be practiced in distributed computing environments where tasks are performed by remote processing devices that are linked through a communications network. In a distributed computing environment, program modules may be located in both local and remote computer storage media including memory storage devices.
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.
The above description is only an example of the present application and is not intended to limit the present application. Various modifications and changes may occur to those skilled in the art. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present application should be included in the scope of the claims of the present application.

Claims (11)

1. An enterprise client multi-enterprise account query method is characterized by comprising the following steps:
receiving an account inquiry application transmitted by an enterprise client;
determining a unique identification number and customer information of an enterprise customer according to the account number query application;
and performing identity verification and authority verification on the enterprise client according to the client information, and if the verification is passed, determining account information corresponding to the account query application in the multiple enterprise accounts corresponding to the unique identification number and feeding back the account information to the enterprise client.
2. The method according to claim 1, further comprising the step of predetermining a plurality of enterprise accounts corresponding to the unique identification number of the enterprise client:
receiving a registration request of an enterprise client, wherein the registration request comprises identity information of the enterprise client and a plurality of enterprise information to be registered;
generating the unique identification number of the enterprise client according to the registration request;
and performing information verification on the enterprise information and the identity information, and if the information verification is passed, associating the unique identification number of the enterprise customer with the account numbers of the plurality of enterprise information to be registered.
3. The method for querying the multiple enterprise account numbers of the enterprise customer according to claim 2, wherein the information verification of the enterprise information and the identity information specifically comprises:
carrying out consistency check on the enterprise information;
carrying out identity recognition on the enterprise client;
and authorizing through the U shield corresponding to the plurality of enterprise information.
4. The enterprise customer multi-enterprise account inquiry method according to claim 3, wherein the enterprise information includes an enterprise name, an enterprise certificate type, an enterprise certificate number, an enterprise CIS number, an account corresponding to the CIS number, and an account password, and the performing consistency check on the enterprise information specifically includes:
determining whether the account number corresponds to the enterprise CIS number;
determining whether the enterprise information corresponding to the CIS number corresponds to an enterprise name, an enterprise certificate type and an enterprise certificate number;
determining whether the account password corresponds to the account;
and determining whether the account number has opened the enterprise electronic banking service.
5. The method according to claim 3, wherein the identifying the enterprise client comprises:
collecting biological characteristic information of enterprise clients;
and transmitting the identity information of the enterprise client and the biological characteristic information to a public security bureau server for identity recognition.
6. The method for querying the multiple enterprise account numbers of the enterprise customer according to claim 3, wherein the authorizing by the U-shield corresponding to the multiple enterprise information specifically comprises:
forming a U shield to-be-authorized instruction according to the enterprise information and the identity information;
transmitting the instruction to be authorized to a U shield so that enterprise personnel can log in an enterprise bank client through the U shield to authorize the instruction to be authorized;
and receiving the authorization information transmitted by the enterprise client.
7. The method according to claim 3, wherein the associating the unique identification number of the enterprise client with the account numbers of the plurality of enterprise information to be registered specifically comprises:
associating the unique identification number of the enterprise customer with account information of the enterprise information to be registered;
and determining the authority information and the validity period of the account access of the enterprise client according to the authorization information.
8. The method for querying the multiple enterprise account numbers of the enterprise client according to claim 1, wherein the identity verification and the authority verification of the enterprise client according to the client information specifically comprise:
judging whether the login state of the enterprise client is normal or not;
determining whether an enterprise customer is associated with an enterprise account;
determining whether the authority information and the validity period of the enterprise client are valid;
and determining whether the representative information of the enterprise legal person corresponding to the account in the account query application is consistent with the customer information.
9. An enterprise customer multi-enterprise account inquiry device is characterized by comprising:
the request receiving module is used for receiving an account inquiry application transmitted by an enterprise client;
the request analysis module is used for determining a unique identification number and customer information of an enterprise customer according to the account number query application;
and the account number query module is used for carrying out identity verification and authority verification on the enterprise customer according to the customer information, and if the verification is passed, determining account number query application corresponding account number information in a plurality of enterprise account numbers corresponding to the unique identification number and feeding back the account number information to the enterprise customer.
10. A computer device comprising a memory, a processor, and a computer program stored on the memory and executable on the processor,
the processor, when executing the program, implements the method of any of claims 1-8.
11. A computer-readable medium, having stored thereon a computer program,
the program when executed by a processor implementing the method according to any one of claims 1-8.
CN202110717290.1A 2021-06-28 2021-06-28 Enterprise client multi-enterprise account query method and device Pending CN113450204A (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
CN202110717290.1A CN113450204A (en) 2021-06-28 2021-06-28 Enterprise client multi-enterprise account query method and device

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
CN202110717290.1A CN113450204A (en) 2021-06-28 2021-06-28 Enterprise client multi-enterprise account query method and device

Publications (1)

Publication Number Publication Date
CN113450204A true CN113450204A (en) 2021-09-28

Family

ID=77813058

Family Applications (1)

Application Number Title Priority Date Filing Date
CN202110717290.1A Pending CN113450204A (en) 2021-06-28 2021-06-28 Enterprise client multi-enterprise account query method and device

Country Status (1)

Country Link
CN (1) CN113450204A (en)

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN114339274A (en) * 2021-12-20 2022-04-12 北京快来文化传播集团有限公司 Enterprise live broadcast management method, device and computer readable storage medium
CN114547478A (en) * 2022-02-21 2022-05-27 飞书深诺数字科技(上海)股份有限公司 Account opening information query method and device and electronic equipment

Citations (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN101873333A (en) * 2010-07-09 2010-10-27 中国工商银行股份有限公司 Enterprise data maintenance method, device and system based on banking system
CN103248699A (en) * 2013-05-16 2013-08-14 广西中烟工业有限责任公司 Multi-account processing method of single sign on (SSO) information system
CN103618717A (en) * 2013-11-28 2014-03-05 北京奇虎科技有限公司 Multi-account client information dynamic authentication method, device and system
CN108234478A (en) * 2017-12-29 2018-06-29 重庆小犀智能科技有限公司 A kind of personal credit information share system and method based on block chain
CN110071903A (en) * 2018-01-24 2019-07-30 北大方正集团有限公司 The processing method and processing device that single-sign-on repeatedly authenticates
CN110532256A (en) * 2019-07-04 2019-12-03 平安科技(深圳)有限公司 A kind of account method of calibration, device, computer equipment and storage medium
CN112967012A (en) * 2021-02-18 2021-06-15 江苏通付盾科技有限公司 Design method and system of enterprise cloud platform account

Patent Citations (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN101873333A (en) * 2010-07-09 2010-10-27 中国工商银行股份有限公司 Enterprise data maintenance method, device and system based on banking system
CN103248699A (en) * 2013-05-16 2013-08-14 广西中烟工业有限责任公司 Multi-account processing method of single sign on (SSO) information system
CN103618717A (en) * 2013-11-28 2014-03-05 北京奇虎科技有限公司 Multi-account client information dynamic authentication method, device and system
CN108234478A (en) * 2017-12-29 2018-06-29 重庆小犀智能科技有限公司 A kind of personal credit information share system and method based on block chain
CN110071903A (en) * 2018-01-24 2019-07-30 北大方正集团有限公司 The processing method and processing device that single-sign-on repeatedly authenticates
CN110532256A (en) * 2019-07-04 2019-12-03 平安科技(深圳)有限公司 A kind of account method of calibration, device, computer equipment and storage medium
CN112967012A (en) * 2021-02-18 2021-06-15 江苏通付盾科技有限公司 Design method and system of enterprise cloud platform account

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN114339274A (en) * 2021-12-20 2022-04-12 北京快来文化传播集团有限公司 Enterprise live broadcast management method, device and computer readable storage medium
CN114547478A (en) * 2022-02-21 2022-05-27 飞书深诺数字科技(上海)股份有限公司 Account opening information query method and device and electronic equipment

Similar Documents

Publication Publication Date Title
US5903878A (en) Method and apparatus for electronic commerce
US8880889B1 (en) Systems and methods for remote authorization of financial transactions using public key infrastructure (PKI)
US20070094152A1 (en) Secure electronic transaction authentication enhanced with RFID
WO2014103663A1 (en) Digital contract system
CN103975352A (en) Securely reloadable electronic wallet
KR20130107188A (en) Server and method for authentication using sound code
CN102098162A (en) Method for performing safety management of operation and maintenance based on security token
US20220309501A1 (en) Blockchain-based trusted transaction method for data product
US10580000B2 (en) Obtaining user input from a remote user to authorize a transaction
CN113450204A (en) Enterprise client multi-enterprise account query method and device
US20040054624A1 (en) Procedure for the completion of an electronic payment
CN110011957A (en) Safety certifying method, device, electronic equipment and the storage medium of business account
US20170083914A1 (en) Method and system for managing authentication services customer data
US10867326B2 (en) Reputation system and method
CN110647737B (en) Enterprise user security authentication method and device in warehouse receipt system and electronic equipment
CN111539020A (en) Material purchasing management system and method
KR101045241B1 (en) System and method for authenticating seller using credit card system
US20210185036A1 (en) Secure authentication system
KR101547730B1 (en) Apparatus and method for managing financial account having two or more secret numbers in an account
KR101399109B1 (en) Non facing payment system and method using i-pin connection information
EP3776425B1 (en) Secure authentication system and method
KR101309835B1 (en) A system for total financial transaction
CN111681009A (en) Multi-platform centralized authentication and authorization system and method, authentication and authorization and service device
CN112836195B (en) Password modification method and device for enterprise bank authentication medium
CN113689214B (en) Enterprise safety authentication certificate activation method, terminal and server

Legal Events

Date Code Title Description
PB01 Publication
PB01 Publication
SE01 Entry into force of request for substantive examination
SE01 Entry into force of request for substantive examination