CN115439185A - Method and device for shortening waiting time for opening account online - Google Patents
Method and device for shortening waiting time for opening account online Download PDFInfo
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- CN115439185A CN115439185A CN202211063236.0A CN202211063236A CN115439185A CN 115439185 A CN115439185 A CN 115439185A CN 202211063236 A CN202211063236 A CN 202211063236A CN 115439185 A CN115439185 A CN 115439185A
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Abstract
The invention provides a method and a device for shortening waiting time for opening an account on line, which relate to mobile interconnection and comprise the following steps: the client collects identity information input by a user in an online account opening service scene and sends the identity information to the local server; the local bank server side determines that account opening business corresponding to the identity information needs to be subjected to cross-bank verification, and sends the identity information to a cross-bank account verification system for account verification; the client performs identity verification on the user by using a preset verification mode to determine an identity verification result; in the process of identity verification of the client side of the local bank, the server side of the local bank receives an account verification result returned by the cross-bank account verification system; and the server side opens an account according to the identity verification result and the account verification result, determines an account opening result and sends the account opening result to the client side. The time required by the identity verification link is fully utilized for account verification, so that the account opening result can be seen on a client page in real time after the account opening application is submitted, and short message notification is not needed.
Description
Technical Field
The invention relates to the technical field of mobile interconnection, in particular to a method and a device for shortening waiting time for online account opening.
Background
This section is intended to provide a background or context to the embodiments of the invention that are recited in the claims. The description herein is not admitted to be prior art by inclusion in this section.
At present, each bank on-line account opening mainly comprises two steps of information acquisition and identity verification, and after the information acquisition and the identity verification are completed, an account opening application is submitted and an account opening result is waited.
If the account opening bank bound with the account is other banks, after the identity verification is completed, the bank needs to perform inter-bank account verification in an asynchronous mode, and returns a result in a non-real-time mode. Therefore, the result of the online account opening is not returned to the client in real time, the client needs to wait for the short message notification, the experience is poor, and the short message is sent after the non-real-time feedback, so that extra cost is generated for a bank.
Therefore, how to provide a new solution, which can solve the above technical problems, is a technical problem to be solved in the art.
Disclosure of Invention
The embodiment of the invention provides a method for shortening waiting time for opening an account on line, which carries out account verification to a cross-bank account verification system through a local bank server after collecting customer information, carries out identity verification while carrying out account verification, fully utilizes the time required by an identity verification link, enables an account opening result to be seen on a client page in real time after submitting an account opening application, and does not need short message notification, and comprises the following steps:
the client collects identity information input by a user in an online account opening service scene and sends the identity information to the local server;
the local bank server side determines that account opening services corresponding to the identity information need to be subjected to cross-bank verification, and sends the identity information to a cross-bank account verification system for account verification;
the client performs identity verification on the user by using a preset verification mode to determine an identity verification result;
in the process of identity verification of the client side of the local bank, the server side of the local bank receives an account verification result returned by the cross-bank account verification system;
and the server side opens an account according to the identity verification result and the account verification result, determines an account opening result and sends the account opening result to the client side.
The embodiment of the invention also provides a device for shortening the waiting time for opening an account online, which comprises:
the identity information acquisition module is used for acquiring identity information input by a user in an online account opening service scene through a client and sending the identity information to the server side in the line;
the inter-bank verification module is used for determining that account opening services corresponding to the identity information need to be subjected to inter-bank verification through the local server side and sending the identity information to the inter-bank account verification system for account verification;
the identity verification module is used for verifying the identity of the user through the client by using a preset verification mode and determining an identity verification result;
the account verification result receiving module is used for receiving an account verification result returned by the cross-bank account verification system through the local bank server in the identity verification process of the local bank client;
and the account opening result determining module is used for opening an account through the service end of the bank according to the identity verification result and the account verification result, determining an account opening result and sending the account opening result to the client.
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 when the processor executes the computer program, the method for shortening the waiting time of the online account opening is realized.
An embodiment of the present invention further provides a computer-readable storage medium, where a computer program is stored, and when the computer program is executed by a processor, the method for shortening the waiting time for opening an account online is implemented.
An embodiment of the present invention further provides a computer program product, where the computer program product includes a computer program, and when the computer program is executed by a processor, the method for shortening waiting time for online account opening is implemented.
The method and the device for shortening the waiting time for opening an account online provided by the embodiment of the invention comprise the following steps: the client collects identity information input by a user in an online account opening service scene and sends the identity information to the local server; the local bank server side determines that account opening business corresponding to the identity information needs to be subjected to cross-bank verification, and sends the identity information to a cross-bank account verification system for account verification; the client performs identity verification on the user by using a preset verification mode to determine an identity verification result; in the process of identity verification of the local bank client, the local bank server receives an account verification result returned by the cross-bank account verification system; and the server side opens an account according to the identity verification result and the account verification result, determines an account opening result and sends the account opening result to the client side. According to the embodiment of the invention, after the customer information is collected, the account is verified to the cross-bank account verification system through the local bank server, the identity verification is carried out while the account is verified, the time required by the identity verification link is fully utilized, so that the account opening result can be seen on the page of the client in real time after the account opening application is submitted, and short message notification is not required. The account verification is advanced to the position between the identity information acquisition and the identity verification, the time required by the identity verification process is fully utilized, the account opening result can be seen on a client page in real time after a user submits the account opening application, waiting is not needed, the customer experience is improved, furthermore, the customer can see the account opening result on the client in real time, short messages do not need to be sent to inform the customer, and the cost of the short messages for a bank is saved.
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 embodiments or the prior art descriptions will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and other drawings can be obtained by those skilled in the art without creative efforts. In the drawings:
fig. 1 is a schematic diagram of a method for shortening an online account opening waiting time according to an embodiment of the present invention.
Fig. 2 is a flowchart of a method for shortening waiting time for opening an account online according to an embodiment of the present invention.
Fig. 3 is a schematic diagram of a process of acquiring identity information in a method for shortening the waiting time for opening an account online according to an embodiment of the present invention.
Fig. 4 is a schematic diagram of a cross-row verification process of a method for shortening waiting time for online account opening according to an embodiment of the present invention.
FIG. 5 is a schematic diagram of a computer apparatus for implementing a method for reducing online account opening latency according to the present invention.
Fig. 6 is a schematic diagram of an apparatus for shortening waiting time for opening an account online 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.
Fig. 1 is a schematic diagram of a method for shortening waiting time for opening an account online according to an embodiment of the present invention, as shown in fig. 1, the embodiment of the present invention provides a method for shortening waiting time for opening an account online, after collecting customer information, the server performs account verification to a cross-bank account verification system through the server, performs identity verification while performing account verification, and makes full use of time required by an identity verification link, so that an account opening result can be seen on a client page in real time after an account opening application is submitted, without short message notification, including:
step 101: the client collects identity information input by a user in an online account opening service scene and sends the identity information to the local server;
step 102: the local bank server side determines that account opening services corresponding to the identity information need to be subjected to cross-bank verification, and sends the identity information to a cross-bank account verification system for account verification;
step 103: the client performs identity verification on the user by using a preset verification mode to determine an identity verification result;
step 104: in the process of identity verification of the client side of the local bank, the server side of the local bank receives an account verification result returned by the cross-bank account verification system;
step 105: and the server side opens an account according to the identity verification result and the account verification result, determines an account opening result and sends the account opening result to the client side.
The method for shortening the waiting time for opening an account on line provided by the embodiment of the invention comprises the following steps: the client collects identity information input by a user in an online account opening service scene and sends the identity information to the local server; the local bank server side determines that account opening business corresponding to the identity information needs to be subjected to cross-bank verification, and sends the identity information to a cross-bank account verification system for account verification; the client checks the identity of the user in a preset checking mode to determine an identity checking result; in the process of identity verification of the client side of the local bank, the server side of the local bank receives an account verification result returned by the cross-bank account verification system; and the server side opens an account according to the identity verification result and the account verification result, determines an account opening result and sends the account opening result to the client side. According to the embodiment of the invention, after the customer information is collected, the account is verified to the cross-bank account verification system through the local bank server, the identity verification is carried out while the account is verified, the time required by the identity verification link is fully utilized, so that the account opening result can be seen on the page of the client in real time after the account opening application is submitted, and short message notification is not required. The account verification is advanced between the identity information acquisition and the identity verification, the time required by the identity verification process is fully utilized, so that a user can see an account opening result on a client page in real time after submitting an account opening application, waiting is not needed, the customer experience is improved, furthermore, the customer can see the account opening result on the client in real time, a short message is not needed to be sent to inform the customer, and the short message cost is saved for a bank.
The main flow of the existing online customer service comprises the steps of collecting information, verifying identity, submitting an account opening application, sending an account verification message to a cross-bank verification system by a server, waiting for an account verification result, opening an account, notifying the customer by a short message and the like; because the identity verification process needs to guide the user to perform various types of verification through the client, and about tens of seconds are consumed, the embodiment of the invention fully utilizes the time consumed in the identity verification process to perform account verification, and can obtain the account verification result before the identity verification is completed, so that when the client submits an account opening application, the server can immediately obtain the verification result and open a bank account for the client.
Fig. 2 is a flowchart of a method for shortening waiting time for opening an account online according to an embodiment of the present invention, and as shown in fig. 2, when the method for shortening waiting time for opening an account online according to an embodiment of the present invention is implemented, in an embodiment, the method includes:
the client collects identity information input by a user in an online account opening service scene and sends the identity information to the local server;
the local bank server side determines that account opening business corresponding to the identity information needs to be subjected to cross-bank verification, and sends the identity information to a cross-bank account verification system for account verification;
the client performs identity verification on the user by using a preset verification mode to determine an identity verification result;
in the process of identity verification of the local bank client, the local bank server receives an account verification result returned by the cross-bank account verification system;
and the server side opens an account according to the identity verification result and the account verification result, determines an account opening result and sends the account opening result to the client side.
In the embodiment, the client is usually an APP or H5 application of a mobile banking, and submits information to the server through an https interface. The server side is responsible for sending a cross-bank account verification message to the cross-bank account verification system, receiving a verification result returned by the cross-bank account verification system, opening II and III accounts if the verification is passed, and returning an account opening result and an account number to the client side; and is also responsible for the processing of identity verification. The cross-bank account verification system is connected with all banks and used for data intercommunication among the banks, and the cross-bank account verification among all the banks can be realized by verifying the account information of one bank to another bank by utilizing the identity information of one bank.
Fig. 3 is a schematic diagram of a process of acquiring identity information of a method for shortening an online account opening waiting time according to an embodiment of the present invention, as shown in fig. 3, when the method for shortening an online account opening waiting time according to an embodiment of the present invention is implemented specifically, in an embodiment, a client acquires identity information input by a user in an online account opening service scenario, and sends the identity information to a server in the present line, where the method includes:
step 301: responding to the online account opening operation of a user at a client, and acquiring identity information input by the user in an online account opening service scene after the user is authorized; the identity information includes: the method comprises the steps of obtaining an identity card photo, a mobile phone number, a short message verification code and a binding account number;
step 302: and sending the identity information to the local line of service end through an https interface.
In the embodiment, in response to the user performing an online account opening operation at the client, after the user authorization, identity information such as an identity card photo, a mobile phone number, a short message verification code and a bound account number input by the user in an online account opening service scene is collected, and the identity information is sent to the local server through an https interface.
When the method for shortening the waiting time for online account opening provided by the embodiment of the present invention is implemented specifically, in an embodiment, the step of determining that the account opening service corresponding to the identity information needs to perform inter-bank verification by the local bank server, and sending the identity information to an inter-bank account verification system for account verification includes:
the local bank server receives the identity information and analyzes whether the binding account number in the identity information belongs to the local bank;
and if the bound account number does not belong to the bank, determining that the account opening service corresponding to the identity information needs to be subjected to cross-bank verification, and sending the identity information to a cross-bank account verification system for account verification.
Fig. 4 is a schematic diagram of a cross-bank verification process of a method for shortening online account opening waiting time according to an embodiment of the present invention, and as shown in fig. 4, when the method for shortening online account opening waiting time according to an embodiment of the present invention is implemented specifically, in an embodiment, a cross-bank account verification system performs account verification, including:
step 401: the cross-bank account verification system receives the identity information and sends an account collaborative investigation request to a bank to which the binding account number belongs according to the bank to which the binding account number belongs in the identity information;
step 402: the bank to which the bound account number belongs checks the corresponding account information according to the account co-checking request and the bound account number, determines an account co-checking result and sends the account co-checking result to the cross-bank account verification system;
step 403: and the cross-bank account verification system determines an account verification result according to the account collaborative result.
In the embodiment, firstly, whether the account opening service needs to carry out cross-bank verification or not needs to be judged, the local bank server receives the identity information, and whether a binding account number in the identity information belongs to the local bank or not is analyzed; if the binding account number belongs to the bank, directly verifying the account through the server of the bank; if the bound account number does not belong to the bank, determining that the account opening service corresponding to the identity information needs to be subjected to cross-bank verification, and sending the identity information to a cross-bank account verification system for account verification; firstly, a cross-bank account verification system receives identity information and sends an account collaborative check request to a bank to which a binding account number belongs according to the bank to which the binding account number belongs in the identity information; then, the bank to which the binding account number belongs checks the corresponding account information according to the binding account number according to the account cooperation request, determines an account cooperation result, and sends the account cooperation result to a cross-bank account verification system; and finally, the cross-bank account verification system determines an account verification result according to the account collaborative investigation result.
In a specific implementation of the method for shortening the waiting time for opening an account online according to the embodiment of the present invention, in an embodiment, the preset verification method includes: face recognition, lip language recognition and action detection.
In the embodiment, the client performs identity verification on the user by using various verification modes such as face recognition, lip language recognition, action detection and the like to determine an identity verification result; the process of identity verification of the user by using the multiple verification modes takes about tens of seconds, so that account verification can be performed by using the consumed time, and the account verification result returned by the cross-bank account verification system is received.
When the method for shortening the waiting time for opening an account on line provided by the embodiment of the present invention is specifically implemented, in an embodiment, the service end of the present bank opens an account according to the identity verification result and the account verification result, determines the account opening result, and sends the account opening result to the client, including:
the server side of the bank checks the identity verification result and the account verification result, and executes an account opening program to determine an account opening result when the identity verification result and the account verification result are both in a passing state;
and sending the account opening result to the client.
When the method for shortening the waiting time for opening an account on line provided by the embodiment of the present invention is implemented specifically, in an embodiment, the method further includes: and the client displays the account opening result in an online account opening service scene in real time.
The following briefly describes a method for shortening the waiting time for online account opening according to an embodiment of the present invention with reference to a specific scenario:
on the bank a side, the client collects the identity information of the customer: and the identity card photo, the mobile phone number, the short message verification code, the bound account number and the like are submitted to the server through the https interface.
The server stores the client information in the database after receiving the client information, judges whether the bound account is an account of other banks, sends a cross-bank account verification message to a cross-bank account verification system if the bound account is the account of other banks, performs account verification to a bank B by using the cross-bank account verification system, and waits for the return of the cross-bank account verification system. And after the cross-bank account verification system returns an account verification result, updating the corresponding account verification state of the account opening application in the database.
The client performs identity verification at the client, and the server updates the identity verification state.
After the identity verification passes, an account opening application is submitted at the client, the server checks the account verification state and the identity verification state, if the account verification state and the identity verification state pass, the account opening is carried out, and the client displays an account opening result returned by the server on a page in real time.
The invention has the unique characteristic that after the customer information is collected, the account verification message is sent to the cross-bank account verification system through the server, and the time required by the identity verification link is fully utilized, so that the customer can see the account opening result on the page of the client in real time after submitting the account opening application without short message notification. The step of bound account verification is advanced between customer information acquisition and identity verification, and the time required by the link of identity verification is fully utilized, so that the customer can see the account opening result in real time on a client page after submitting an account opening application. And (3) experience is improved: after the client submits the account opening application, the account opening result can be seen on the page of the client in real time without waiting. The cost is reduced: the client can see the account opening result in real time, so that the client does not need to send a short message to inform, and the cost of the short message is saved for a bank.
Fig. 5 is a schematic diagram of a computer device for executing a method for reducing waiting time for opening an account online according to the present invention, and as shown in fig. 5, an embodiment of the present invention further provides a computer device 500, which includes a memory 510, a processor 520, and a computer program 530 stored in the memory and executable on the processor, and when the processor executes the computer program, the processor implements the method for reducing waiting time for opening an account online.
An embodiment of the present invention further provides a computer-readable storage medium, where a computer program is stored, and when the computer program is executed by a processor, the method for shortening the waiting time for opening an account online is implemented.
An embodiment of the present invention further provides a computer program product, where the computer program product includes a computer program, and when the computer program is executed by a processor, the method for shortening waiting time for online account opening is implemented.
The embodiment of the invention also provides a device for shortening the waiting time of online account opening, which is described in the following embodiment. Because the principle of the device for solving the problems is similar to the method for shortening the waiting time of the online account opening, the implementation of the device can refer to the implementation of the method for shortening the waiting time of the online account opening, and repeated parts are not described again.
Fig. 6 is a schematic diagram of a device for shortening waiting time for opening an account online according to an embodiment of the present invention, and as shown in fig. 6, the embodiment of the present invention further provides a device for shortening waiting time for opening an account online.
When the apparatus for shortening the waiting time for opening an account on-line provided by the embodiment of the present invention is implemented specifically, in an embodiment, the apparatus includes:
the identity information acquisition module 601 is used for acquiring identity information input by a user in an online account opening service scene through a client and sending the identity information to a local server;
the inter-bank verification module 602 is configured to determine, through the home bank server, that an account opening service corresponding to the identity information needs to be subjected to inter-bank verification, and send the identity information to an inter-bank account verification system for account verification;
the identity verification module 603 is configured to perform identity verification on the user through the client in a preset verification manner, and determine an identity verification result;
the account verification result receiving module 604 is configured to receive, by the home bank server, an account verification result returned by the cross-bank account verification system during the identity verification performed by the home bank client;
and the account opening result determining module 605 is configured to open an account through the local server according to the identity verification result and the account verification result, determine an account opening result, and send the account opening result to the client.
In an embodiment of the present invention, when the device for shortening the waiting time for opening an account online is implemented specifically, the identity information acquisition module is specifically configured to:
responding to the online account opening operation of a user at a client, and acquiring identity information input by the user in an online account opening service scene after the user is authorized; the identity information comprises: the method comprises the steps of obtaining an identity card photo, a mobile phone number, a short message verification code and a binding account number;
and sending the identity information to the local line of service end through an https interface.
When the apparatus for shortening the waiting time for opening an account on line provided by the embodiment of the present invention is implemented specifically, in an embodiment, the inter-row verification module is specifically configured to:
the local bank server receives the identity information and analyzes whether the binding account number in the identity information belongs to the local bank;
and if the bound account number does not belong to the bank, determining that the account opening service corresponding to the identity information needs to be subjected to cross-bank verification, and sending the identity information to a cross-bank account verification system for account verification.
In an embodiment of the present invention, when the apparatus for shortening the waiting time for online account opening is implemented specifically, the inter-row verification module is further configured to:
the cross-bank account verification system receives the identity information and sends an account consultation request to the bank to which the bound account number belongs according to the bank to which the bound account number belongs in the identity information;
the bank to which the bound account number belongs checks the corresponding account information according to the account co-checking request and the bound account number, determines an account co-checking result and sends the account co-checking result to the cross-bank account verification system;
and the cross-bank account verification system determines an account verification result according to the account consultation result.
In specific implementation of the apparatus for shortening the waiting time for opening an account on line provided by the embodiment of the present invention, in an embodiment, the preset verification method includes: face recognition, lip language recognition and action detection.
In an embodiment of the present invention, when the apparatus for shortening the waiting time for online account opening is implemented specifically, the account opening result determining module is specifically configured to:
the server side of the bank checks the identity verification result and the account verification result, and executes an account opening program to determine an account opening result when the identity verification result and the account verification result are both in a pass state;
and sending the account opening result to the client.
In a specific embodiment, the device for shortening the waiting time for online account opening further includes an account opening result display module, configured to display an account opening result in an online account opening service scene in real time by using a client.
To sum up, the method and apparatus for shortening the waiting time for opening an account online provided by the embodiment of the present invention includes: the client collects identity information input by a user in an online account opening service scene and sends the identity information to the local server; the local bank server side determines that account opening business corresponding to the identity information needs to be subjected to cross-bank verification, and sends the identity information to a cross-bank account verification system for account verification; the client performs identity verification on the user by using a preset verification mode to determine an identity verification result; in the process of identity verification of the client side of the local bank, the server side of the local bank receives an account verification result returned by the cross-bank account verification system; and the local bank server opens an account according to the identity verification result and the account verification result, determines an account opening result and sends the account opening result to the client. According to the embodiment of the invention, after the customer information is collected, the account is verified to the cross-bank account verification system through the local bank server, the identity verification is carried out while the account is verified, the time required by the identity verification link is fully utilized, so that the account opening result can be seen on the page of the client in real time after the account opening application is submitted, and short message notification is not required. The account verification is advanced to the position between the identity information acquisition and the identity verification, the time required by the identity verification process is fully utilized, the account opening result can be seen on a client page in real time after a user submits the account opening application, waiting is not needed, the customer experience is improved, furthermore, the customer can see the account opening result on the client in real time, short messages do not need to be sent to inform the customer, and the cost of the short messages for a bank is saved.
According to the technical scheme, the data acquisition, storage, use, processing and the like meet relevant regulations of national laws and regulations, and various types of data such as personal identity data, operation data, behavior data and the like related to individuals, clients, crowds and the like are authorized.
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 has been 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 flowchart illustrations and/or block diagrams, and combinations of flows and/or blocks in the flowchart illustrations 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 intended to illustrate the objects, technical solutions and advantages of the present invention in further detail, and it should be understood that the above-mentioned embodiments are only exemplary embodiments of the present invention, and are not intended to limit the scope of the present invention, and any modifications, equivalent substitutions, 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 (17)
1. A method for reducing online account opening latency, comprising:
the client collects identity information input by a user in an online account opening service scene and sends the identity information to the local server;
the local bank server side determines that account opening business corresponding to the identity information needs to be subjected to cross-bank verification, and sends the identity information to a cross-bank account verification system for account verification;
the client checks the identity of the user in a preset checking mode to determine an identity checking result;
in the process of identity verification of the local bank client, the local bank server receives an account verification result returned by the cross-bank account verification system;
and the local bank server opens an account according to the identity verification result and the account verification result, determines an account opening result and sends the account opening result to the client.
2. The method of claim 1, wherein the client collects identity information input by a user in an online account opening service scenario, and sends the identity information to the local server, and the method comprises the following steps:
responding to the online account opening operation of a user at a client, and acquiring identity information input by the user in an online account opening service scene after the user is authorized; the identity information includes: the method comprises the steps of obtaining an identity card photo, a mobile phone number, a short message verification code and a binding account number;
and sending the identity information to the local line of service end through an https interface.
3. The method of claim 2, wherein the step of the local server side determining that the account opening service corresponding to the identity information needs to perform cross-bank verification and sending the identity information to a cross-bank account verification system for account verification comprises:
the local bank server receives the identity information and analyzes whether the binding account number in the identity information belongs to the local bank;
and if the bound account number does not belong to the bank, determining that the account opening service corresponding to the identity information needs to be subjected to cross-bank verification, and sending the identity information to a cross-bank account verification system for account verification.
4. The method of claim 3, wherein performing account verification across bank account verification systems comprises:
the cross-bank account verification system receives the identity information and sends an account collaborative investigation request to a bank to which the binding account number belongs according to the bank to which the binding account number belongs in the identity information;
the bank to which the binding account number belongs checks the corresponding account information according to the binding account number according to the account cooperation request, determines an account cooperation result, and sends the account cooperation result to the cross-bank account verification system;
and the cross-bank account verification system determines an account verification result according to the account consultation result.
5. The method of claim 1, wherein the predetermined verification pattern comprises: face recognition, lip language recognition and action detection.
6. The method as claimed in claim 1, wherein the step of the local bank server opening an account according to the identity verification result and the account verification result, determining the account opening result and sending the account opening result to the client comprises:
the server side of the bank checks the identity verification result and the account verification result, and executes an account opening program to determine an account opening result when the identity verification result and the account verification result are both in a passing state;
and sending the account opening result to the client.
7. The method of claim 1, further comprising: and the client displays the account opening result in an online account opening service scene in real time.
8. An apparatus for reducing online account opening latency, comprising:
the identity information acquisition module is used for acquiring identity information input by a user in an online account opening service scene through a client and sending the identity information to the server side in the line;
the cross-bank verification module is used for determining that the account opening service corresponding to the identity information needs cross-bank verification through the local bank server side and sending the identity information to the cross-bank account verification system for account verification;
the identity verification module is used for verifying the identity of the user through the client by using a preset verification mode and determining an identity verification result;
the account verification result receiving module is used for receiving an account verification result returned by the cross-bank account verification system through the local bank server in the identity verification process of the local bank client;
and the account opening result determining module is used for opening an account through the service end of the bank according to the identity verification result and the account verification result, determining an account opening result and sending the account opening result to the client.
9. The apparatus of claim 8, wherein the identity information collection module is specifically configured to:
responding to the online account opening operation of a user at a client, and acquiring identity information input by the user in an online account opening service scene after the user is authorized; the identity information comprises: the method comprises the steps of obtaining an identity card photo, a mobile phone number, a short message verification code and a binding account number;
and sending the identity information to the local line of service end through an https interface.
10. The apparatus of claim 9, wherein the cross-row validation module is specifically configured to:
the local bank server receives the identity information and analyzes whether the binding account number in the identity information belongs to the local bank;
and if the bound account number does not belong to the bank, determining that the account opening service corresponding to the identity information needs to be subjected to cross-bank verification, and sending the identity information to a cross-bank account verification system for account verification.
11. The apparatus of claim 10, wherein the cross-row validation module is further to:
the cross-bank account verification system receives the identity information and sends an account consultation request to the bank to which the bound account number belongs according to the bank to which the bound account number belongs in the identity information;
the bank to which the bound account number belongs checks the corresponding account information according to the account co-checking request and the bound account number, determines an account co-checking result and sends the account co-checking result to the cross-bank account verification system;
and the cross-bank account verification system determines an account verification result according to the account collaborative result.
12. The apparatus of claim 8, wherein the predetermined verification scheme comprises: face recognition, lip language recognition and action detection.
13. The apparatus of claim 8, wherein the account opening result determining module is specifically configured to:
the server side of the bank checks the identity verification result and the account verification result, and executes an account opening program to determine an account opening result when the identity verification result and the account verification result are both in a pass state;
and sending the account opening result to the client.
14. The apparatus of claim 8, further comprising an account opening result presentation module for presenting the account opening result in the online account opening service scenario in real time by using the client.
15. 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 7 when executing the computer program.
16. 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 7.
17. 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 7.
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202211063236.0A CN115439185A (en) | 2022-08-31 | 2022-08-31 | Method and device for shortening waiting time for opening account online |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202211063236.0A CN115439185A (en) | 2022-08-31 | 2022-08-31 | Method and device for shortening waiting time for opening account online |
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| CN115439185A true CN115439185A (en) | 2022-12-06 |
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| CN202211063236.0A Pending CN115439185A (en) | 2022-08-31 | 2022-08-31 | Method and device for shortening waiting time for opening account online |
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| CN (1) | CN115439185A (en) |
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