CN115205027A - Block chain based account application processing method and device - Google Patents

Block chain based account application processing method and device Download PDF

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CN115205027A
CN115205027A CN202210834502.9A CN202210834502A CN115205027A CN 115205027 A CN115205027 A CN 115205027A CN 202210834502 A CN202210834502 A CN 202210834502A CN 115205027 A CN115205027 A CN 115205027A
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account
information
applicant
opening
face image
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冯晓帅
许朝威
胡淼元
马关军
赵庆
董杨瑞
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Bank of China Ltd
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Bank of China Ltd
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/30—Authentication, i.e. establishing the identity or authorisation of security principals
    • G06F21/31—User authentication
    • G06F21/32—User authentication using biometric data, e.g. fingerprints, iris scans or voiceprints
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06V—IMAGE OR VIDEO RECOGNITION OR UNDERSTANDING
    • G06V40/00—Recognition of biometric, human-related or animal-related patterns in image or video data
    • G06V40/10—Human or animal bodies, e.g. vehicle occupants or pedestrians; Body parts, e.g. hands
    • G06V40/16—Human faces, e.g. facial parts, sketches or expressions
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L2209/00—Additional information or applications relating to cryptographic mechanisms or cryptographic arrangements for secret or secure communication H04L9/00
    • H04L2209/56—Financial cryptography, e.g. electronic payment or e-cash

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Abstract

The invention discloses an account application processing method and device based on a block chain, and relates to the block chain, wherein the method comprises the following steps: when an account opening application of a non-first-class account of a transacting bank is received, acquiring first face image information of an applicant through a face recognition technology; acquiring second face image information of the applicant from the block chain according to the applicant information; checking the first face image information of the applicant with the second face image information stored in the block chain, and after the checking is passed, acquiring information required by account opening of the non-first type of the applicant from the block chain, and filling the information according to the requirement of account opening application of the non-first type of the applicant; the second face image information of the applicant and the information required by account opening of the non-generic account are stored in the blockchain in advance. The invention can complete account opening application without inputting complicated information through an interface by a client, thereby improving the client experience and the account opening efficiency.

Description

Block chain based account application processing method and device
Technical Field
The invention relates to the technical field of block chains, in particular to an account application processing method and device based on a block chain.
Background
Bank cards are mainly classified into the following three categories:
a class I account; the debit card is a full-function account, the common debit card belongs to the class I account, the accounts can have the functions of cash access, account transfer, financing, payment and payment, and the like, and is not limited by the limit in the using process. The account can only be transacted with one account, and the account is opened through a bank counter and is authenticated by the user with real name. The class I user (with entity medium) is a full-function account, can be used for large-amount payment services such as large-amount deposit, withdrawal, transfer, consumption payment, purchase of investment and financing products and the like, and has no limit on the application range and the amount of money.
An ll-class account; the system is a personal financing account, and can be bound with class I accounts, so that the investment financing is not limited, but the consumption, the payment and the access are limited, and the daily consumption is limited. Within the set period, the transfer, cash deposit, consumption and payment can not exceed the set limit. The class II users (with entity media or without entity media) have limited transaction amount, and can handle small payment services such as limited deposit, limited consumption payment, limited transfer of funds to unbound accounts, purchase of investment financing products (financial products such as investment financing for self-operation of banks or agency sales, and the like).
A class III account; the electronic card is mainly used for quick payment, the account balance cannot exceed the set amount, and the daily consumption amount cannot exceed the set amount. The class III account (without physical media) is equivalent to a portable change purse and is suitable for mobile payment service. The system can handle services of quota consumption and payment, and transferring funds from quota to unbound account.
At present, when a customer applies for individual account II and III opening at a bank end, various information is input according to the requirements of each row, for example, a card number of the same type needs to be input and a certificate needs to be uploaded at an application interface, the operation is complex, the customer is easy to transport by mistake, and meanwhile, if the customer fills any information less, the customer cannot apply for opening an account, and the customer experience is influenced.
The defects of the prior art are as follows: the complex operation of applying for opening an account causes poor customer experience.
Disclosure of Invention
The embodiment of the invention provides an account application processing method based on a block chain, which is used for solving the problem of poor customer experience caused by complex operation of applying for opening an account and comprises the following steps:
when an application for transacting a non-first-class account opening of a bank is received, acquiring first face image information of an applicant through a face recognition technology;
acquiring second face image information of the applicant from the block chain according to the applicant information;
checking the first face image information of the applicant with the second face image information stored in the block chain, and after the checking is passed, acquiring information required by account opening of the non-first type of the applicant from the block chain, and filling the information according to the requirement of account opening application of the non-first type of the applicant;
the second face image information of the applicant and the information required by account opening of the non-generic account are stored in the blockchain in advance.
The embodiment of the invention also provides an account application processing device based on the block chain, which is used for solving the problem of poor customer experience caused by complex operation of applying for opening an account, and the device comprises:
the identification module is used for receiving a non-first-class account opening application of a bank, and acquiring first face image information of an applicant through a face identification technology;
the acquisition module is used for acquiring second face image information of the applicant from the block chain according to the applicant information;
the checking module is used for checking the first face image information of the applicant with the second face image information stored in the block chain, acquiring information required by account opening of the non-first type of the applicant from the block chain after the checking is passed, and filling the information according to the requirement of account opening application of the non-first type of the applicant;
and the storage module is used for storing the second face image information of the applicant and the information required by account opening of the non-generic account on the block chain in advance.
The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can run on the processor, wherein the processor realizes the account application processing method based on the block chain when executing the computer program.
The embodiment of the invention also provides a computer-readable storage medium, which stores a computer program, and when the computer program is executed by a processor, the method for processing the account application based on the block chain is realized.
An embodiment of the present invention further provides a computer program product, where the computer program product includes a computer program, and when executed by a processor, the computer program implements the above method for processing an account application based on a blockchain.
In the embodiment of the invention, compared with the technical scheme filled by a client in the prior art, the first face image information is obtained by the face recognition technology and is used for checking the client, the second face image information is obtained from the block chain for checking, and after the checking is passed, the corresponding information required by account opening can be obtained from the block chain for account opening.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts. In the drawings:
fig. 1 is a schematic flow chart illustrating an implementation of an account application processing method based on a block chain according to an embodiment of the present invention;
FIG. 2 is a block diagram illustrating an architecture of an account application process according to an embodiment of the present invention;
FIG. 3 is a schematic flow chart illustrating an implementation of an account application process according to an embodiment of the present invention;
FIG. 4 is a schematic structural diagram of an account application processing apparatus based on a blockchain according to an embodiment of the present invention;
FIG. 5 is a diagram of a computer device according to an embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the embodiments of the present invention are further described in detail below with reference to the accompanying drawings. The exemplary embodiments and descriptions of the present invention are provided to explain the present invention, but not to limit the present invention.
The inventor notices in the process of invention that:
at present, when a customer applies for personal account opening II and III at a bank end, a class of card numbers needs to be input and certificates need to be uploaded on an application interface, the operation is complex, the customer is easy to transmit by mistake, and meanwhile, if the customer fills in any information less, the customer cannot successfully apply for account opening.
The operation of applying for opening an account is complex, the client is easy to lose mistakes, the user can not apply for opening an account by filling any information less, the user experience is influenced, and the user experience is poor.
Based on this, the embodiment of the invention provides a scheme for conveniently and quickly applying for opening accounts II and III (i.e. non-first-class accounts) based on the block chain and the face recognition technology, so that the customer can complete the account opening application only through the face recognition without inputting any information or uploading data, thereby improving the efficiency and the customer experience.
The following examples are given to illustrate the present invention.
Fig. 1 is a schematic view of an implementation flow of an account application processing method based on a blockchain, as shown in the figure, the method may include:
step 101, when an application for transacting a non-first-class account opening of a bank is received, acquiring first face image information of an applicant through a face recognition technology;
102, acquiring second face image information of the applicant from the block chain according to the applicant information;
103, checking the first face image information of the applicant with second face image information stored in the block chain, acquiring information required by account opening of the non-first type of the applicant from the block chain after the checking is passed, and filling the information according to the requirement of account opening application of the non-first type of the applicant;
the second face image information of the applicant and the information required by account opening of the non-generic account are stored in the blockchain in advance.
In implementation, the information required for opening the account of the non-generic type comprises: credential information and/or account information, wherein:
the certificate information comprises one or the combination of the following information: name, identification card number, address, issuing authority;
the account information includes one or a combination of the following information: name, identification card number, mobile phone number, and bank card number.
In one embodiment, the second facial image information and/or document information of the applicant is stored on the blockchain when the applicant transacts the identity card.
Specifically, when the client transacts the identity card, the certificate information and the face image information can be stored in a block chain, and the certificate information and the face image information of the client can be stored in a block chain. The certificate information includes: name, identification card number, address, issuing authority, etc.
In one embodiment, the applicant's account information is stored on the blockchain when the applicant successfully opens an account of one type.
Specifically, after a customer successfully transacts a card (a class of users) in a certain bank for the first time, the account information of the customer can be stored in the blockchain, and the account information of the customer is recorded in the blockchain. Wherein the account information of the customer includes: name, identification card number, mobile phone number, bank card number, etc.
It can be seen that, in implementation, for account opening of non-class accounts, such as class II and class III accounts, when a customer (applicant) transacts an identity card, the certificate information and face image information are stored in a block chain, when the customer transacts the card (class II) in a certain bank for the first time, the customer stores the account information of the customer in the block chain, when the customer needs to apply for account opening of class II and class III through a certain bank, the face image information entered by the customer is firstly checked with the face image information stored in the block chain, and if the check is successful, the information such as certificate number, address, mobile phone number and the like is respectively inquired to apply for account opening. The number of client operation steps is reduced, and the client experience is improved.
Fig. 2 is a schematic diagram of an account application processing architecture, and as shown in the drawing, at least one functional architecture that can implement the account application processing based on the blockchain may include: certificate information storage module, account information storage module, face image information input module, face image information check module, the required information inquiry module of opening an account, wherein:
1. and a certificate information storage module.
When the client transacts the identity document in the related department, the client stores the document information and the face image information of the client into the block chain. The face image information is used for subsequently confirming identity of the person to check the face image information, and the certificate information is used for inquiring information required by subsequent account opening application. The certificate information includes: name, identification card number, address, issuing authority.
2. And an account information storage module.
And recording the account information of the client based on the blockchain, and inquiring the required information for subsequent account opening application.
When a customer transacts a card (a type of user) at a certain bank for the first time, the account information of the customer is recorded in the blockchain. Wherein the account information of the customer includes: name, identification card number, mobile phone number, bank card number, etc.
3. And a face image information input module.
When a customer needs to apply for an account through a certain bank, an interface for inputting the facial image information is provided, the customer is prompted to input the facial image information, and then the facial image information input by the customer is transmitted to the facial image information checking module.
4. And a face image information checking module.
In order to ensure that the user applies for opening an account, the face image information input by the client needs to be checked, the face image information input by the client is checked and verified with the face image information stored in the block chain, and the name, the identity card number and the address of the client are obtained from the certificate information storage module after the verification is successful.
5. And the required information inquiry module for opening an account.
In the implementation, when the filling is performed according to the requirement of the non-type account opening application, the method further comprises the following steps:
after address information acquired from information required by opening an account of a non-first type of account is matched with a bank opening website according to the address proximity principle, opening an application transaction of the non-first type of account of the bank, applying for opening an account for an applicant, and filling in according to the application requirement of the opening of the non-first type of account.
Specifically, after the name and the identification card number of a customer are obtained, the name and the identification number are used for inquiring the bank card number of the customer from account information storage, and the bank card number is used as a type of account card number when an account is opened and applied; and matching the bank account opening network points nearby according to the addresses. After all the information required by opening an account is acquired, the bank opening application transaction is called up, and the bank opening application transaction is applied for opening an account for a client.
Fig. 3 is a schematic view of an implementation flow of account application processing, as shown in the figure, taking an account application processing architecture as an example, when applying for account opening, the following flow may be mainly included:
a client initiates an account opening application;
inputting a face image;
interacting with a certificate information storage module, checking a face image, checking and inquiring certificate information, inquiring information such as a mobile phone number and the like;
inquiring information required for opening an account;
interacting with an account information storage module, inquiring card numbers and the like;
and calling a bank to open an account and apply for transaction.
The embodiment of the invention also provides an account application processing device based on the block chain, which is described in the following embodiment. Because the principle of the device for solving the problems is similar to the block chain-based account application processing method, the implementation of the device can refer to the implementation of the block chain-based account application processing method, and repeated details are not repeated.
Fig. 4 is a schematic structural diagram of an account application processing apparatus based on a blockchain, as shown in the figure, the apparatus may include:
the identification module 401 is used for receiving a first face image information of an applicant obtained by a face identification technology when an account opening application of a non-first type account of a bank is transacted;
an obtaining module 402, configured to obtain second face image information of the applicant from the blockchain according to the applicant information;
the checking module 403 is configured to check the first face image information of the applicant with the second face image information stored in the blockchain, and after the check is passed, obtain information required by account opening of the non-first type of the applicant from the blockchain, and then fill in the information according to the requirement of the account opening application of the non-first type of the applicant;
the storage module 404 is configured to store the second facial image information of the applicant and information required for account opening of a non-generic account on the blockchain in advance.
In an implementation, the storage module is further configured to store data including: the non-generic account of certificate information and/or account information opens the required information, wherein:
the certificate information comprises one or the combination of the following information: name, identification card number, address, issuing authority;
the account information includes one or a combination of the following information: name, identification card number, mobile phone number, and bank card number.
In an implementation, the storage module is further configured to store second facial image information and/or document information of the applicant on the blockchain when the applicant transacts the identification card.
In an implementation, the storage module is further configured to store the account information of the applicant on the blockchain when the applicant successfully transacts the type of account opening.
In implementation, the checking module is further configured to, when filling in according to the requirement of the non-first-class account opening application, invoke the transaction of the non-first-class account opening application of the bank after matching the address information acquired from the information required for the non-first-class account opening according to the address proximity principle with the bank opening website, apply for opening an account for the applicant, and fill in according to the requirement of the non-first-class account opening application.
When the technical scheme provided by the embodiment of the invention is implemented, the implementation can be carried out as follows.
Fig. 5 is a schematic diagram of a computer device, as shown, the computer device includes:
the processor 500, which is used to read the program in the memory 520, executes the following processes:
when an account opening application of a non-first-class account of a transacting bank is received, acquiring first face image information of an applicant through a face recognition technology;
acquiring second face image information of the applicant from the block chain according to the applicant information;
checking the first face image information of the applicant with the second face image information stored in the block chain, and after the checking is passed, acquiring information required by account opening of the non-first type of the applicant from the block chain, and filling the information according to the requirement of account opening application of the non-first type of the applicant;
the second face image information of the applicant and the information required by account opening of the non-first type are stored in a block chain in advance;
a transceiver 510 for receiving and transmitting data under the control of the processor 500.
In implementation, the information required for opening the account of the non-generic type comprises: credential information and/or account information, wherein:
the certificate information comprises one or the combination of the following information: name, identification card number, address, issuing authority;
the account information includes one or a combination of the following information: name, identification card number, mobile phone number, and bank card number.
In implementation, the second facial image information and/or the certificate information of the applicant is stored on the blockchain when the applicant transacts the identity card.
In an implementation, the applicant's account information is stored on the blockchain when the applicant successfully opens an account of a type.
In the implementation, when the filling is performed according to the requirement of the non-type account opening application, the method further comprises the following steps:
after address information acquired from information required by opening an account of the non-first type is matched with a bank opening website according to an address proximity principle, opening an account opening application transaction of the non-first type of account of the bank, applying for opening an account for an applicant, and filling according to the requirement of the account opening application of the non-first type of account.
Wherein in fig. 5, the bus architecture may include any number of interconnected buses and bridges, with one or more processors, represented by processor 500, and various circuits, represented by memory 520, being linked together. The bus architecture may also link together various other circuits such as peripherals, voltage regulators, power management circuits, and the like, which are well known in the art, and therefore, will not be described any further herein. The bus interface provides an interface. The transceiver 510 may be a number of elements including a transmitter and a receiver that provide a means for communicating with various other apparatus over a transmission medium. The processor 500 is responsible for managing the bus architecture and general processing, and the memory 520 may store data used by the processor 500 in performing operations.
The embodiment of the invention also provides a computer-readable storage medium, which stores a computer program, and when the computer program is executed by a processor, the method for processing the account application based on the block chain is realized.
An embodiment of the present invention further provides a computer program product, where the computer program product includes a computer program, and when executed by a processor, the computer program implements the above method for processing an account application based on a blockchain.
In the technical scheme provided by the embodiment of the invention, when a client transacts an identity card, the identity card information and the face image information are stored into a block chain; storing the account information of the client into a block chain; when a client applies for opening accounts II and III, checking the face image information input by the client with the face image information stored in the block chain; inquiring information required by account opening application, such as certificate numbers, addresses, mobile phone numbers and the like in an account information storage area block chain of a client; and calling the bank account opening application transaction to apply for the customer to open an account.
All information required by the account opening application is stored based on the block chain, and a client does not need to input the information through an interface; and identifying the client by using a face recognition technology and then applying for opening an account.
Because the client does not need to input complicated information when applying for opening an account, the account opening application can be completed directly through face recognition, the efficiency is improved, and the client experience is improved.
In the embodiment of the invention, compared with the technical scheme filled by a client in the prior art, the first face image information is obtained by the face recognition technology and is used for checking the client, the second face image information is obtained from the block chain for checking, and after the checking is passed, the corresponding information required by account opening can be obtained from the block chain for account opening.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
The above-mentioned embodiments are provided to further explain the objects, technical solutions and advantages of the present invention in detail, and it should be understood that the above-mentioned embodiments are only examples of the present invention and should not be used to limit the scope of the present invention, and any modifications, equivalents, improvements and the like made within the spirit and principle of the present invention should be included in the scope of the present invention.

Claims (13)

1. An account application processing method based on a block chain is characterized by comprising the following steps:
when an application for transacting a non-first-class account opening of a bank is received, acquiring first face image information of an applicant through a face recognition technology;
acquiring second face image information of the applicant from the block chain according to the applicant information;
checking the first face image information of the applicant with the second face image information stored in the block chain, and after the checking is passed, acquiring information required by account opening of the non-first type of the applicant from the block chain, and filling the information according to the requirement of account opening application of the non-first type of the applicant;
the second face image information of the applicant and the information required by account opening of the non-generic account are stored in the blockchain in advance.
2. The method of claim 1, wherein the information required for opening the account of the non-generic type comprises: credential information and/or account information, wherein:
the certificate information comprises one or the combination of the following information: name, identification card number, address, issuing authority;
the account information includes one or a combination of the following information: name, identification card number, mobile phone number, and bank card number.
3. The method of claim 2, wherein the second facial image information and/or document information of the applicant is stored on the blockchain when the applicant transacts the identification card.
4. The method of claim 2, wherein the account information of the applicant is stored on the blockchain when the applicant successfully opens a type of account.
5. The method of any one of claims 1 to 4, further comprising, when filling out as required by a non-generic account opening application:
after address information acquired from information required by opening an account of a non-first type of account is matched with a bank opening website according to the address proximity principle, opening an application transaction of the non-first type of account of the bank, applying for opening an account for an applicant, and filling in according to the application requirement of the opening of the non-first type of account.
6. An account application processing device based on a blockchain is characterized by comprising:
the identification module is used for acquiring first face image information of an applicant through a face identification technology when a non-one type account opening application of a bank is handled;
the acquisition module is used for acquiring second face image information of the applicant from the block chain according to the applicant information;
the checking module is used for checking the first face image information of the applicant with the second face image information stored in the block chain, acquiring information required by account opening of the non-first type of the applicant from the block chain after the checking is passed, and filling the information according to the requirement of account opening application of the non-first type of the applicant;
and the storage module is used for storing the second face image information of the applicant and the information required by account opening of the non-generic account in advance on the block chain.
7. The apparatus of claim 6, wherein the storage module is further to store comprising: the non-generic account of certificate information and/or account information opens the required information, wherein:
the certificate information comprises one or the combination of the following information: name, identification card number, address, issuing authority;
the account information includes one or a combination of the following information: name, identification card number, mobile phone number, and bank card number.
8. The apparatus of claim 7, wherein the storage module is further configured to store second facial image information and/or document information of the applicant on the blockchain when the applicant transacts the identification card.
9. The apparatus of claim 7, wherein the storage module is further configured to store the account information of the applicant on the blockchain if the applicant successfully opens an account of one type.
10. The device as claimed in any one of claims 6 to 9, wherein the checking module is further configured to, when filling in according to the requirement of the non-first-class account opening application, obtain address information from information required for opening the non-first-class account, and after matching with a bank opening website according to an address proximity principle, initiate a transaction for opening the non-first-class account opening application of the bank, apply for opening an account for the applicant, and fill in according to the requirement of the non-first-class account opening application.
11. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the method of any one of claims 1 to 5 when executing the computer program.
12. A computer-readable storage medium, characterized in that the computer-readable storage medium stores a computer program which, when executed by a processor, implements the method of any of claims 1 to 5.
13. A computer program product, characterized in that the computer program product comprises a computer program which, when being executed by a processor, carries out the method of any one of claims 1 to 5.
CN202210834502.9A 2022-07-14 2022-07-14 Block chain based account application processing method and device Pending CN115205027A (en)

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