CN114611089A

CN114611089A - Remote open-house-facing method, device, equipment and medium

Info

Publication number: CN114611089A
Application number: CN202210186502.2A
Authority: CN
Inventors: 贾金苗
Original assignee: Agricultural Bank of China
Current assignee: Agricultural Bank of China
Priority date: 2022-02-28
Filing date: 2022-02-28
Publication date: 2022-06-10

Abstract

The embodiment of the invention discloses a remote open-user method, a device, equipment and a medium. Wherein, the method comprises the following steps: if an online account opening event is detected, acquiring account opening application data and verifying enterprise information of the electronic business license; if the enterprise information is credible, acquiring legal representative information and address information of the enterprise; verifying identity information and verifying video willingness of the legal representative based on the legal representative information; performing address verification based on the address information; and checking according to the verification result and the account opening application data, and if the checking is passed, generating an account opening number. The technical scheme can realize the service of opening an account on line of the user without manual assistance.

Description

Remote open-house-facing method, device, equipment and medium

Technical Field

The invention relates to the technical field of internet, in particular to a remote open-user method, a remote open-user device, a remote open-user equipment and a remote open-user medium.

Background

With the rapid development and continuous progress of direct-selling banks in China, electronic accounts are the basis for financial units such as banks and insurance companies to provide network financial services for customers, and credit card numbers or bank account numbers of the customers are used as the identifications of electronic merchants.

The current account opening service requires a client to transact a contract at a website when going online. On one hand, the method is usually time-consuming and long, and has the defects of numerous materials needing to be audited, repeated handling of the client and low efficiency, and very bad experience is caused for the client. On the other hand, the method also causes great pressure on basic layer network operators.

Disclosure of Invention

The invention provides a method, a device, equipment and a medium for remotely opening an account, which can realize the service of opening the account of a user on line without manual assistance.

According to an aspect of the present invention, there is provided a remote user-to-user method, including:

if an online account opening event is detected, acquiring account opening application data and verifying enterprise information of the electronic business license;

if the enterprise information is credible, acquiring legal representative information and address information of the enterprise;

verifying identity information and video willingness of legal representatives based on the legal representative information;

performing address verification based on the address information;

and checking according to the verification result and the account opening application data, and if the checking is passed, generating an account opening number.

Optionally, the identity information verification of the legal representative based on the legal representative information includes:

and carrying out face recognition and living body detection on the legal representative, and verifying the identity information of the legal representative.

Optionally, the performing face recognition and living body detection on the legal representative includes:

the face recognition and the living body detection are carried out through any one or the combination of the actions of blinking, opening mouth, shaking head and nodding head of the legal representative.

Optionally, the verifying video willingness for the legal representative includes:

remote access is carried out between the digital virtual human video customer service and a legal representative person;

inquiring the account opening intention of the legal representative based on a preset question-answer script, and collecting the answer result of the legal representative.

Optionally, the verifying the address information based on the address information includes:

remote access is carried out on the user through a digital virtual human video customer service;

inquiring the address of the user based on a preset question-answer script, acquiring the address of the user, and verifying whether the address of the user is in a preset range of the address information; the address information comprises an operation address and a registration address;

and if the user address is within the preset range of the address information, the address verification is successful.

Optionally, after detecting the online to-public user event, the method further includes:

responding to an authorization request of the electronic business license, and sending an enterprise information application to an electronic business license server;

if the feedback authorization of the service end of the electronic business license is unsuccessful, the account opening process is terminated.

Optionally, before generating the account opening account if the audit is passed, the method further includes:

and if any one of identity information verification, video willingness verification and address information verification of the legal representative in the enterprise information fails, terminating the account opening process.

According to another aspect of the present invention, there is provided a remote-to-public user device including:

the enterprise information verification module is used for acquiring account opening application data and verifying enterprise information of the electronic business license if an online account opening event is detected;

the information acquisition module is used for acquiring legal representative information and address information of the enterprise if the enterprise information is credible;

the identity information and willingness verification module is used for verifying identity information and video willingness of the legal representative based on the information of the legal representative;

an address verification module for performing address verification based on the address information;

and the account opening generation module is used for checking according to the verification result and the account opening application data, and if the checking is passed, an account opening is generated.

According to another aspect of the present invention, there is provided an electronic apparatus including:

at least one processor; and

a memory communicatively coupled to the at least one processor; wherein the content of the first and second substances,

the memory stores a computer program executable by the at least one processor, the computer program being executable by the at least one processor to enable the at least one processor to perform a remote-to-public-user method according to any embodiment of the invention.

According to another aspect of the present invention, there is provided a computer-readable storage medium storing computer instructions for causing a processor to implement a remote-to-public-user method according to any one of the embodiments of the present invention when executed.

According to the technical scheme of the embodiment of the invention, if an online account opening event is detected, account opening application data is obtained, and enterprise information of the electronic business license is verified; if the enterprise information is credible, acquiring legal representative information and address information of the enterprise; verifying identity information and video willingness of legal representatives based on the legal representative information; performing address verification based on the address information; and checking according to the verification result and the account opening application data, and if the checking is passed, generating an account opening number. The technical scheme can realize the service of opening an account on line of the user without manual assistance.

It should be understood that the statements in this section do not necessarily identify key or critical features of the embodiments of the present invention, nor do they necessarily limit the scope of the invention. Other features of the present invention will become apparent from the following description.

Drawings

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

Fig. 1 is a flowchart of a remote-to-public user method according to an embodiment of the present invention;

fig. 2 is a flowchart of a remote-to-public user method according to a second embodiment of the present invention;

fig. 3 is a schematic structural diagram of a remote-pair public account device according to a third embodiment of the present invention;

fig. 4 is a schematic structural diagram of an electronic device according to a fourth embodiment of the present invention.

Detailed Description

In order to make those skilled in the art better understand the technical solutions of the present invention, 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 terms "first," "second," and the like in the description and claims of the present invention and in the drawings described above are used for distinguishing between similar elements and not necessarily for describing a particular sequential or chronological order. It is to be understood that the data so used is interchangeable under appropriate circumstances such that the embodiments of the invention described herein are capable of operation in sequences other than those illustrated or described herein. Furthermore, the terms "comprises," "comprising," and "having," and any variations thereof, are intended to cover a non-exclusive inclusion, such that a process, method, system, article, or apparatus that comprises a list of steps or elements is not necessarily limited to those steps or elements expressly listed, but may include other steps or elements not expressly listed or inherent to such process, method, article, or apparatus.

Example one

Fig. 1 is a flowchart of a remote account-opening method according to an embodiment of the present invention, where the present embodiment is applicable to a situation where an account opening for a public account is performed remotely, and the method may be executed by a remote account-opening device, where the remote account-opening device may be implemented in a form of hardware and/or software, and the remote account-opening device may be configured in an electronic device with data processing capability. As shown in fig. 1, the method includes:

s110, if an online account opening event is detected, acquiring account opening application data and verifying enterprise information of the electronic business license;

the technical scheme of the embodiment can be executed by a background server and an electronic business license system. The electronic business license system can be composed of a client and a server. The electronic business license client can be in the main forms of WeChat, Payment small program and government affairs APP, and enterprise legal persons can claim, use and authorize the electronic business license through the client, and the functions comprise downloading the license, showing the license, checking the license, scanning the license, managing the clerk and the like. The electronic business license server is a front platform for realizing the connection of an application system (a small and micro customer service platform) to a national electronic business license unified source platform. After the application system is connected with an electronic business license server, the functions of online verification of enterprise identity, confirmation of identity relationship between a holder and an enterprise, credible acquisition of enterprise identity information and state, verification of enterprise state and the like can be realized. The remote account opening system based on the authorization of the electronic business license is standard and reliable, provides a high-availability and extensible online account opening template for each large commercial bank, has lower coupling among systems, and greatly improves the resource utilization rate in the account opening process.

In the embodiment, when the background server detects that an account opening is needed to be performed on a public account on line, the background server acquires account opening application data, verifies the enterprise information of the electronic business license through the electronic business license system, and performs identity verification, video willingness verification and address information verification on legal representatives, so that the clients can be guaranteed to perform operation in person and participate in verification; when all the audits are passed, generating a public account number, thereby realizing that the on-line account opening business can be completed without manual assistance

The online account opening event may be an online account opening operation applied by the user for the public account. The online application operation for the public user can be performed by a legal representative or an authorized operator of the enterprise. The account opening application data may be information required to be filled in when the user applies for opening an account, such as enterprise information and other content, and may be set according to actual requirements. The electronic business license is issued by a national market supervision and management bureau (original industry and commerce bureau) according to a uniform technical standard, carries the identity information of a safe enterprise, has the information safety guarantee functions of enterprise identity authentication, anti-counterfeiting, anti-tampering and the like, and is an electronic license with the same legal effectiveness as a paper business license. The enterprise information may include the name of the enterprise, the economic type, the universal credit code, the legal representative, the registered capital, the standing time, the business term, the business scope, and the license image. In this embodiment, the background server obtains an account opening application data of the user by detecting an online account opening event for the public account, and verifies the enterprise information of the electronic business license through the electronic business license system.

S120, if the enterprise information is credible, acquiring legal representative information and address information of the enterprise;

the legal representative information can be obtained through an electronic business license system, and the legal representative information on the business license is obtained. The address information may include a registration address and a management address on a business license. In this embodiment, when the background server confirms that the enterprise information filled in the page applied by the user is consistent with the enterprise information in the electronic business license system, the enterprise information is proved to be credible, and the information of the legal representative and the address information are obtained through the electronic business license system.

S130, identity information verification and video willingness verification are carried out on the legal representative based on the legal representative information;

the identity information can be verified by face recognition and living body detection of legal representatives, so that the legal representatives can operate on behalf of the legal representatives, the identity information represented by the legal representatives is further verified, and if the identity information is not verified, account opening can be refused. The video willingness verification can be realized by remotely accessing a digital virtual person video customer service and a legal representative through a server, inquiring the legal representative according to a preset question-answer script and collecting answer information to complete verification. The preset question and answer script can be set according to the actual requirements of business personnel. In the embodiment, the background server can perform identity verification and video willingness verification on the legal representative according to the legal representative information.

S140, verifying the address based on the address information;

the address information may include, among other things, a registration address and a business address on a business license. In this embodiment, the verification may be performed by selecting any one of the registered address and the business address on the license.

In this embodiment, S140 and S130 may be executed first, that is, advanced address verification, identity information verification of the legal representative and video willingness verification may be performed, or the two may be executed in parallel, and the execution sequence may not be limited.

S150, auditing according to the verification result and the account opening application data, and if the auditing is passed, generating an account opening number.

The verification result may include an identity information verification result, a willingness to video verification result, and an address verification result. The account number of opening an account may be a public account number generated for the customer according to the submitted application material of opening an account. In this embodiment, the background server performs auditing according to the identity information verification result, the video willingness verification result, the address verification result and the account opening application data, and if all the verifications are passed, an account is automatically generated for the client according to the submitted account opening application.

In addition, the customer can activate the account number of the user on line and can select the entity card to carry out operations such as mailing and the like; illustratively, the physical card is selected for an online phone activation operation. If the account opening is finished, the user may need to receive the account opening data, and the like, and the user can also perform online receiving and payment of account opening materials, and the like.

According to the technical scheme of the embodiment of the invention, if an online account opening event is detected, account opening application data is obtained, and enterprise information of the electronic business license is verified; if the enterprise information is credible, acquiring legal representative information and address information of the enterprise; verifying identity information and verifying video willingness of the legal representative based on the legal representative information; performing address verification based on the address information; and checking according to the verification result and the account opening application data, and if the checking is passed, generating an account opening number. The technical scheme can realize the service of opening an account on line of the user without manual assistance.

In this embodiment, optionally, the performing identity information verification on the legal representative based on the legal representative information includes: and carrying out face recognition and living body detection on the legal representative, and verifying the identity information of the legal representative.

The living body detection can be in face recognition application, and can verify whether a user is really a living body user operation or not by using face key point positioning, face tracking and other technologies through combined actions of blinking, mouth opening, shaking, head pointing and the like. In the embodiment, the identity information of the legal representative is verified and further verified by performing face recognition and living body detection on the legal representative, and if the verification fails, the account is rejected. Through the arrangement, the identity information of the legal representative can be further verified through face recognition and living body detection, and the operation of the living body can be guaranteed.

In this embodiment, optionally, the performing face recognition and living body detection on the legal representative includes: the face recognition and the living body detection are carried out through any one or the combination of the actions of blinking, opening mouth, shaking head and nodding head of the legal representative.

In this embodiment, the background server may perform face recognition and live body detection on any one of blinking, mouth opening, head shaking, and head nodding of the legal representative or a combination of any two or more of them, and may also perform a specific live body detection action according to actual needs. Through the arrangement, the living body detection is carried out through specific actions, and the operation carried out by the living body can be further ensured.

In this embodiment, optionally, the verifying video willingness of the legal representative includes: remote access is carried out between the digital virtual human video customer service and a legal representative person; inquiring the account opening intention of the legal representative based on a preset question-answer script, and collecting the answer result of the legal representative.

The digital virtual human video customer service can design a simulation manpower which looks real through a computer technology and an image processing technology, and can simulate a real human to make various responses. The preset question-answer script can be a preset question-answer script and can also be set according to business needs. The willingness to open an account may represent the real willingness to open an account of a legal representative.

In the embodiment, the background server is remotely accessed with the legal representative through the digital virtual human video customer service, inquires about the account opening intention of the legal representative according to the preset question-answer script, and collects the answer result of the legal representative.

Through the arrangement, the video verification is carried out on the account opening intention of the client according to the preset question-answer script, so that the operation of a legal representative is ensured when remote account opening is carried out on the network, the legal representative can be used as a proof of the real account opening intention of the legal representative, and the legal benefit is achieved.

In this embodiment, optionally, the performing address verification based on the address information includes: remote access is carried out on the user through a digital virtual human video customer service; inquiring the address of the user based on a preset question-answer script, acquiring the address of the user, and verifying whether the address of the user is in a preset range of the address information; the address information comprises an operation address and a registration address; and if the user address is within the preset range of the address information, the address verification is successful.

The digital virtual human video customer service can design real simulation manpower through a computer technology and an image processing technology, and can simulate a real human to make various reactions. The user may be an enterprise legal representative or an authorized sponsor. The preset question-answer script can be a preset question-answer script and can also be set according to business needs. For example, the virtual human video customer service guides a client to shoot an operation address or a registration address image according to the question and answer script, shoots in real time to obtain a positioning and time watermark, and stores and verifies a video for verification in an auditing link. The preset range can be a specific guideboard which accords with the shot address information, or the preset range can be set to be identification information such as a specific doorplate number which accords with the address, and the preset range can be set according to actual conditions.

In the embodiment, a background server remotely accesses a user through a digital virtual human video customer service, inquires about the address of the user according to a preset question-answer script, guides the user to shoot an operation address or a registered address image, shoots in real time to acquire a positioning and time watermark, and verifies whether the shot address positioning information is in a preset range; if the shot address meets the preset range, the address verification is successful.

According to the scheme, the client is guided to shoot the operation address image according to the question and answer script, the positioning and time watermark is shot in real time, the verification video is stored and stored, the verification link is used for checking, the labor expenditure is saved, and the operation address image is more convenient and fast to use.

In this embodiment, optionally, after detecting the online event to the public user, the method further includes: responding to an authorization request of the electronic business license, and sending an enterprise information application to an electronic business license server; if the feedback authorization of the service end of the electronic business license is unsuccessful, the account opening process is terminated.

The authorization request of the electronic business license can be an authorization request sent to a service terminal of the electronic business license system when an enterprise legal representative or an authorized manager opens an account online, and an enterprise information application is sent to the service terminal of the electronic business license; the electronic business license system responds to the request, generates an authentication two-dimensional code and enters the electronic business license system to apply for authorization by scanning the authentication two-dimensional code. The authorization application can also be directly entered into the electronic business license system through the APP associated with the electronic business license system.

In this embodiment, when an enterprise legal person or an authorized sponsor opens an account online, an authorization request is sent to the electronic business license system; the electronic business license system responds to the request and generates an authentication two-dimensional code, the authentication two-dimensional code can be scanned by the mobile terminal to enter the electronic business license system to apply for authorization or jump to the electronic business license applet authorization through APP association, and if the authorization is unsuccessful, the account opening process is terminated.

Through the arrangement, when the application authorization of the server side of the electronic business license docked by the server to the enterprise information is unsuccessful, the account opening process can be directly terminated, and the safety is improved.

In this embodiment, optionally, before generating the account opening account if the audit is passed, the method further includes: and if any one of identity information verification, video willingness verification and address information verification of the legal representative in the enterprise information fails, terminating the account opening process.

In this embodiment, if any of the identity information verification, the video willingness verification and the address information verification performed by the server on the legal representative in the enterprise information fails, the account opening process is terminated directly. Through the arrangement, when the server information does not pass the verified information, the account opening process is directly stopped, the safety is further improved, and the account opening risk is prevented.

Example two

Fig. 2 is a flowchart of a remote user-to-user method according to a second embodiment of the present invention, which is a preferred embodiment based on the above-described embodiment. As shown in fig. 2, the method includes:

step 210: jump electronic business license applet authorization.

In this embodiment, when an enterprise legal person or an authorized operator opens an account online, the electronic business license applet authorization may be skipped through scanning the authentication two-dimensional code or APP association by the mobile terminal, and if the authorization is unsuccessful, the enterprise information may not be obtained.

Step 220: and inquiring enterprise information of the service end of the electronic business license.

In this embodiment, after the unified source performs real-time verification, the trusted enterprise identity information and status, including the enterprise name, the economic type, the unified credit code, the legal representative, the registered capital, the establishment time, the business deadline, the operation range, and the license image, are obtained and filled back to the account opening enterprise information filling page.

Step 230: and (4) detecting the living body.

In this embodiment, the background server system performs face recognition and living body detection on the legal person representative, ensures that the legal person represents the user to operate, further verifies the identity information of the legal person representative, and rejects account opening if the identity information does not pass verification.

Step 240: remote intent verification.

In the embodiment, the background server remotely accesses the digital virtual human video customer service and performs video verification on the client's willingness to open an account according to the question and answer script. Through remote video verification, the user operation is ensured when the remote account opening is carried out on the network, and the remote video verification can be used as a proof of the real account opening intention of the user, so that the method has legal benefits.

Step 250: and (5) verifying the operation address.

In the embodiment, the background server remotely accesses the digital virtual human video customer service, guides the client to shoot the operation address image according to the question and answer script, shoots in real time to obtain the positioning and time watermark, and stores the verification video for the verification link to check.

Step 260: and (6) automatic auditing.

In this embodiment, the background server system automatically obtains the result of the remote video verification and the account opening application data of the client, and if all the results are verified, an account is automatically generated for the client according to the submitted account opening application.

Step 270: and (4) online activation.

In this embodiment, the customer may activate the account number online and may select an entity card or an account opening material for online receipt and payment.

In this embodiment, successful account opening of the public account can be completed through the above steps, and if any one of the live body detection, the remote will verification, the operation address verification and the automatic verification fails, the account opening is rejected, and through the above steps, the full-flow service of the user online account opening can be completed without manual assistance.

According to the technical scheme, advanced technologies such as real-time verification and authorization of the electronic business license, living body detection, digital virtual people and the like are adopted, the risk of opening an account is prevented, the labor expenditure is saved, and a large amount of research and development cost is saved. In addition, the technical scheme of the embodiment is standard and reliable, a high-availability and extensible online account opening template is provided for each large commercial bank, the coupling between systems is lower, and meanwhile, the resource utilization rate in the account opening process is greatly improved.

EXAMPLE III

Fig. 3 is a schematic structural diagram of a remote-pair public account apparatus according to a third embodiment of the present invention.

As shown in fig. 3, the apparatus includes:

the enterprise information verification module 310 is configured to, if an online account opening event is detected, obtain account opening application data and verify enterprise information of the electronic business license;

the information acquisition module 320 is used for acquiring the legal representative information and the address information of the enterprise if the enterprise information is credible;

an identity information and willingness verification module 330 for performing identity information verification and video willingness verification on the legal representative based on the legal representative information;

an address verification module 340 for performing address verification based on the address information;

and the account opening generation module 350 is configured to perform auditing according to the verification result and the account opening application data, and if the auditing is passed, generate an account opening.

Optionally, the identity information and willingness verification module 330 includes:

and the identity information verification unit is used for carrying out face recognition and living body detection on the legal representative and verifying the identity information of the legal representative.

Optionally, the identity information verifying unit is specifically configured to:

Optionally, the identity information and willingness verifying module 330 is specifically configured to:

Optionally, the address verification module 340 is specifically configured to:

Optionally, the apparatus further comprises:

the electronic business license authorization module is used for responding to an authorization request of the electronic business license and sending enterprise information application to the electronic business license server after detecting an online event to the public user;

Optionally, the apparatus further comprises:

and the flow termination module is used for terminating the account opening flow if any one of identity information verification, video willingness verification and address information verification of the legal representative in the enterprise information is not passed before the account opening account is generated if the verification is passed.

The remote open-user interaction method provided by the embodiment of the invention can be executed by the remote open-user interaction device provided by any embodiment of the invention, and has corresponding functional modules and beneficial effects of the execution method.

Example four

FIG. 4 illustrates a block diagram of an electronic device 10 that may be used to implement an embodiment of the invention. Electronic devices are intended to represent various forms of digital computers, such as laptops, desktops, workstations, personal digital assistants, servers, blade servers, mainframes, and other appropriate computers. The electronic device may also represent various forms of mobile devices, such as personal digital assistants, cellular phones, smart phones, wearable devices (e.g., helmets, glasses, watches, etc.), and other similar computing devices. The components shown herein, their connections and relationships, and their functions, are meant to be exemplary only, and are not meant to limit implementations of the inventions described and/or claimed herein.

As shown in fig. 4, the electronic device 10 includes at least one processor 11, and a memory communicatively connected to the at least one processor 11, such as a Read Only Memory (ROM)12, a Random Access Memory (RAM)13, and the like, wherein the memory stores a computer program executable by the at least one processor, and the processor 11 can perform various suitable actions and processes according to the computer program stored in the Read Only Memory (ROM)12 or the computer program loaded from a storage unit 18 into the Random Access Memory (RAM) 13. In the RAM 13, various programs and data necessary for the operation of the electronic apparatus 10 can also be stored. The processor 11, the ROM 12, and the RAM 13 are connected to each other via a bus 14. An input/output (I/O) interface 15 is also connected to bus 14.

A number of components in the electronic device 10 are connected to the I/O interface 15, including: an input unit 16 such as a keyboard, a mouse, or the like; an output unit 17 such as various types of displays, speakers, and the like; a storage unit 18 such as a magnetic disk, an optical disk, or the like; and a communication unit 19 such as a network card, modem, wireless communication transceiver, etc. The communication unit 19 allows the electronic device 10 to exchange information/data with other devices via a computer network such as the internet and/or various telecommunication networks.

The processor 11 may be a variety of general and/or special purpose processing components having processing and computing capabilities. Some examples of processor 11 include, but are not limited to, a Central Processing Unit (CPU), a Graphics Processing Unit (GPU), various specialized Artificial Intelligence (AI) computing chips, various processors running machine learning model algorithms, a Digital Signal Processor (DSP), and any suitable processor, controller, microcontroller, or the like. The processor 11 performs the various methods and processes described above, such as the remote-to-public method.

In some embodiments, the remote-to-public-user method may be implemented as a computer program tangibly embodied in a computer-readable storage medium, such as storage unit 18. In some embodiments, part or all of the computer program may be loaded and/or installed onto the electronic device 10 via the ROM 12 and/or the communication unit 19. When loaded into RAM 13 and executed by processor 11, the computer program may perform one or more of the steps of the remote-to-public user method described above. Alternatively, in other embodiments, the processor 11 may be configured to perform the remote-to-public user method by any other suitable means (e.g., by way of firmware).

Various implementations of the systems and techniques described here above may be implemented in digital electronic circuitry, integrated circuitry, Field Programmable Gate Arrays (FPGAs), Application Specific Integrated Circuits (ASICs), Application Specific Standard Products (ASSPs), system on a chip (SOCs), load programmable logic devices (CPLDs), computer hardware, firmware, software, and/or combinations thereof. These various embodiments may include: implemented in one or more computer programs that are executable and/or interpretable on a programmable system including at least one programmable processor, which may be special or general purpose, receiving data and instructions from, and transmitting data and instructions to, a storage system, at least one input device, and at least one output device.

A computer program for implementing the methods of the present invention may be written in any combination of one or more programming languages. These computer programs may be provided to a processor of a general purpose computer, special purpose computer, or other programmable data processing apparatus, such that the computer programs, when executed by the processor, cause the functions/acts specified in the flowchart and/or block diagram block or blocks to be performed. A computer program can execute entirely on a machine, partly on a machine, as a stand-alone software package partly on a machine and partly on a remote machine or entirely on a remote machine or server.

In the context of the present invention, a computer-readable storage medium may be a tangible medium that can contain, or store a computer program for use by or in connection with an instruction execution system, apparatus, or device. A computer readable storage medium may include, but is not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any suitable combination of the foregoing. Alternatively, the computer readable storage medium may be a machine readable signal medium. More specific examples of a machine-readable storage medium would include an electrical connection based on one or more wires, a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing.

To provide for interaction with a user, the systems and techniques described here can be implemented on an electronic device having: a display device (e.g., a CRT (cathode ray tube) or LCD (liquid crystal display) monitor) for displaying information to a user; and a keyboard and a pointing device (e.g., a mouse or a trackball) by which a user can provide input to the electronic device. Other kinds of devices may also be used to provide for interaction with a user; for example, feedback provided to the user can be any form of sensory feedback (e.g., visual feedback, auditory feedback, or tactile feedback); and input from the user may be received in any form, including acoustic, speech, or tactile input.

The systems and techniques described here can be implemented in a computing system that includes a back-end component (e.g., as a data server), or that includes a middleware component (e.g., an application server), or that includes a front-end component (e.g., a user computer having a graphical user interface or a web browser through which a user can interact with an implementation of the systems and techniques described here), or any combination of such back-end, middleware, or front-end components. The components of the system can be interconnected by any form or medium of digital data communication (e.g., a communication network). Examples of communication networks include: local Area Networks (LANs), Wide Area Networks (WANs), blockchain networks, and the internet.

The computing system may include clients and servers. A client and server are generally remote from each other and typically interact through a communication network. The relationship of client and server arises by virtue of computer programs running on the respective computers and having a client-server relationship to each other. The server can be a cloud server, also called a cloud computing server or a cloud host, and is a host product in a cloud computing service system, so that the defects of high management difficulty and weak service expansibility in the traditional physical host and VPS service are overcome.

It should be understood that various forms of the flows shown above may be used, with steps reordered, added, or deleted. For example, the steps described in the present invention may be executed in parallel, sequentially, or in different orders, and are not limited herein as long as the desired results of the technical solution of the present invention can be achieved.

The above-described embodiments should not be construed as limiting the scope of the invention. It should be understood by those skilled in the art that various modifications, combinations, sub-combinations and substitutions may be made in accordance with design requirements and other factors. Any modification, equivalent replacement, and improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.

Claims

1. A remote-to-public-user method, comprising:

performing address verification based on the address information;

2. The method of claim 1, wherein said verifying the identity information of the quorum representative based on the quorum representative information comprises:

3. The method of claim 2, wherein said face recognition and liveness detection of the legal representative comprises:

4. The method of claim 1, wherein said verifying video willingness on a legal representative comprises:

5. The method of claim 1, wherein the performing address verification based on the address information comprises:

6. The method of claim 1, further comprising, after detecting an online-to-public event:

7. The method of claim 1, further comprising, before generating the account opening account if the audit is passed, the steps of:

8. A remote-to-public-account apparatus, comprising:

9. An electronic device, characterized in that the electronic device comprises:

at least one processor; and

the memory stores a computer program executable by the at least one processor to enable the at least one processor to perform the remote-to-public-user method of any one of claims 1-7.

10. A computer-readable storage medium having stored thereon computer instructions for causing a processor to, when executed, implement the remote-to-public-user method of any one of claims 1-7.