CN117057897A - User data processing method, system, equipment and storage medium of mobile phone bank - Google Patents
User data processing method, system, equipment and storage medium of mobile phone bank Download PDFInfo
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Abstract
The invention relates to a user data processing method, a system, equipment and a storage medium of a mobile phone bank, which comprises the following steps: the method comprises the steps that a target user sends a binding authentication request to a bank system, and the bank system sends authentication success information to the target user after the authentication of the identity card data of the target user is successful through a plurality of internal identity card data; after receiving the authentication success information, the target user sends the identity card data of the binding user to the bank system; and the bank system sends binding request information to the binding user after authenticating the binding user based on the identity card data of the binding user. After the binding user confirms, the bank system builds the security relationship authentication data of the target user and the binding user. And after the follow-up banking system confirms the binding relation between the binding user and the target user based on the security relation authentication data, controlling the mobile banking of the target user based on the remote operation information of the binding user. The method can realize the remote operation of the mobile banking of the target user by the binding user.
Description
Technical Field
The present invention relates to the field of data processing technologies, and in particular, to a method, a system, an apparatus, and a storage medium for processing user data in a mobile banking.
Background
When someone is missing, the general situation is a relative alarm. The police inquires the trail of the missing person, calls the monitoring of the passing places of the missing person, checks the missing person one by one, and searches the missing person. This way, it is long, inefficiency to take time, and use a lot of manpower and materials.
Disclosure of Invention
The invention aims to overcome the defects of the prior art and provides a method, a system, equipment and a storage medium for processing user data of a mobile phone bank, which can determine the binding relation between a target user and a binding user through the safety and reliability of user data in a banking system, thereby providing feasibility for the mobile phone bank APP of the binding user for remotely operating the target user, so that the mobile phone bank APP of the binding user for remotely operating the target user can search the target user when the target user is missing.
In order to solve at least one of the above technical problems, an embodiment of the present invention provides a method for processing user data of a mobile banking, where the method includes:
the method comprises the steps that a first mobile phone bank APP sends a binding authentication request to a bank system, and identity card data of a target user are packaged in the binding authentication request;
the bank system analyzes the identity card data of the target user from the binding authentication request, extracts a plurality of recorded identity card data from a personal information authentication table of a database, matches the identity card data of the target user with the plurality of recorded identity card data, and if the matching is successful, determines that the target user is a valid user and sends authentication success information to the first mobile phone bank APP;
after receiving the authentication success information, the first mobile phone bank APP sends identification card data of a binding user to the bank system;
the bank system matches the identity card data of the binding user with a plurality of identity card data recorded in a personal information authentication table of a database, and if the matching is successful, the bank system sends binding request information containing the identity card data of the target user to a second mobile phone bank APP of the binding user;
when the second mobile phone banking APP receives the binding request information, the second mobile phone banking APP displays the identity card data of the target user to the binding user, responds to the confirmation operation of the binding user on the identity card data of the target user, and sends confirmation information to the banking system;
after receiving the confirmation information, the banking system constructs safety relationship authentication data of the target user and the binding user, and stores the safety relationship authentication data into a safety authentication table of a database;
when the second mobile phone banking APP sends a remote operation request of the first mobile phone banking APP to the banking system, the banking system receives remote operation information sent by the binding user after determining the binding relationship between the binding user and the target user based on the security relationship authentication data of the security authentication table, and controls the first mobile phone banking APP based on the remote operation information.
Preferably, the binding authentication request further encapsulates face image data of the target user, and the method further includes: the banking system analyzes face image data of the target user from the binding authentication request;
the step of matching the identification card data of the target user with the recorded plurality of identification card data, and if the matching is successful, determining the target user as a valid user comprises the following steps:
and matching the identity card data of the target user with the recorded plurality of identity card data, if the matching is successful, matching the face image data of the target user obtained through analysis with the face image data of the target user stored in the database, and if the matching is successful, determining the target user as a valid user.
Preferably, the remote operation information includes reading positioning data of the first mobile phone bank APP, and the banking system controls the first mobile phone bank APP based on the remote operation information, including: the banking system sends a positioning data acquisition instruction to the first mobile phone banking APP;
the method further comprises the steps of:
when the first mobile phone bank APP receives the positioning data acquisition instruction, after determining that the terminal positioning data acquisition permission is acquired, acquiring the positioning data of the terminal, and sending the positioning data of the terminal to the bank system;
the banking system sends the received positioning data of the terminal to the second mobile phone banking APP.
Preferably, the method further comprises: when the first mobile phone bank APP receives the positioning data acquisition instruction, determining that the terminal positioning data acquisition permission is not obtained or the terminal does not start the positioning system, and feeding back information that the positioning data cannot be obtained to the bank system;
the banking system sends the information that the positioning data cannot be obtained to the second mobile phone banking APP.
Preferably, the method further comprises:
after a preset time period, when the banking system does not receive any feedback information of the first mobile phone bank APP, the first mobile phone bank APP is determined to be not networked, and data information representing that the first mobile phone bank APP cannot be connected with a network is sent to the second mobile phone bank APP.
Preferably, the method further comprises:
when the banking system receives the information that the positioning data cannot be obtained, sending a photographing data obtaining instruction to the first mobile phone banking APP;
when the first mobile phone bank APP receives the command for acquiring the photographing data, after determining that the starting authority of the terminal camera is acquired, starting the terminal camera, acquiring the photographing data obtained by photographing the terminal camera, and transmitting the photographing data to the bank system;
the banking system sends the photo data to a preset system.
Preferably, after the banking system sends the photo data to a preset system, the banking system further includes:
the banking system sends data information to the second mobile phone banking APP that photo data characterizing the first mobile phone banking APP has been sent to a preset system.
The user data processing system of the mobile phone bank comprises a first mobile phone bank APP, a banking system and a second mobile phone bank APP; wherein,
the first mobile phone bank APP sends a binding authentication request to a bank system, and identity card data of a target user are packaged in the binding authentication request;
the bank system analyzes the identity card data of the target user from the binding authentication request, extracts a plurality of recorded identity card data from a personal information authentication table of a database, matches the identity card data of the target user with the plurality of recorded identity card data, and if the matching is successful, determines that the target user is a valid user and sends authentication success information to the first mobile phone bank APP;
after receiving the authentication success information, the first mobile phone bank APP sends identification card data of a binding user to the bank system;
the bank system matches the identity card data of the binding user with a plurality of identity card data recorded in a personal information authentication table of a database, and if the matching is successful, the bank system sends binding request information containing the identity card data of the target user to a second mobile phone bank APP of the binding user;
when the second mobile phone banking APP receives the binding request information, the second mobile phone banking APP displays the identity card data of the target user to the binding user, responds to the confirmation operation of the binding user on the identity card data of the target user, and sends confirmation information to the banking system;
after receiving the confirmation information, the banking system constructs safety relationship authentication data of the target user and the binding user, and stores the safety relationship authentication data into a safety authentication table of a database;
when the second mobile phone banking APP sends a remote operation request of the first mobile phone banking APP to the banking system, the banking system receives remote operation information sent by the binding user after determining the binding relationship between the binding user and the target user based on the security relationship authentication data of the security authentication table, and controls the first mobile phone banking APP based on the remote operation information.
In addition, the embodiment of the invention also provides computer equipment, which comprises: the system comprises a memory, a processor and an application program stored on the memory and capable of running on the processor, wherein the processor realizes the steps of the method of any embodiment when executing the application program.
In addition, the embodiment of the invention also provides a computer readable storage medium, on which an application program is stored, and when the application program is executed by a processor, the steps of the method of any embodiment are realized.
The user data processing method, system, equipment and storage medium of the mobile banking in the embodiment of the invention are characterized in that after the validity of the identities of a target user and a binding user is determined through a plurality of identity card data recorded in a personal information authentication table of a database in a banking system, a binding application of the target user to the binding user is received, and after the binding user agrees, security relationship authentication data between the target user and the binding user is established. Therefore, when the target user is missing, the binding user can send a remote operation request of the first mobile phone banking APP to the banking system through the second mobile phone banking APP, and after the banking system determines the identity of the binding user through the security relationship authentication data stored in advance, the binding user can control the first mobile phone banking APP based on the remote operation information sent by the binding user, so that the binding user can search the target user through operating the first mobile phone banking APP.
Drawings
FIG. 1 is a schematic diagram of a user data processing system of a mobile banking system in an embodiment of the invention;
fig. 2 is a flow chart of a user data processing method of a mobile banking in an embodiment of the invention;
fig. 3 is a schematic structural diagram of a computer device in an embodiment of the present invention.
Detailed Description
The following description of the embodiments of the present invention will be made clearly and completely with reference to the accompanying drawings, in which it is apparent that the embodiments described are only some embodiments of the present invention, but not all embodiments. All other embodiments, which can be made by those skilled in the art based on the embodiments of the invention without making any inventive effort, are intended to be within the scope of the invention.
The invention provides a user data processing method of a mobile phone bank, which is applied to a user data processing system of the mobile phone bank as shown in figure 1. As shown in fig. 2, the method for processing user data of a mobile banking includes the following steps:
s201, the first mobile phone bank APP sends a binding authentication request to a banking system, and the binding authentication request is packaged with identification card data of a target user.
S202, the bank system analyzes the identity card data of the target user from the binding authentication request, extracts a plurality of recorded identity card data from a personal information authentication table of a database, matches the identity card data of the target user with the plurality of recorded identity card data, and if the matching is successful, determines that the target user is a valid user, and sends authentication success information to the first mobile phone bank APP.
In one example, the binding authentication request further encapsulates face image data of the target user, and S202 further includes: and the banking system analyzes the face image data of the target user from the binding authentication request. The step of matching the identification card data of the target user with the recorded plurality of identification card data, and if the matching is successful, determining the target user as a valid user comprises the following steps: and matching the identity card data of the target user with the recorded plurality of identity card data, if the matching is successful, matching the face image data of the target user obtained through analysis with the face image data of the target user stored in the database, and if the matching is successful, determining the target user as a valid user.
Specifically, the target user sends a binding authentication request to the bank system through the first mobile phone bank APP so as to request the bank system to bind the relationship between the target user and the binding user. At this time, the banking system needs to authenticate the identity of the target user.
In one possible embodiment, the target user sends the identification card data to the banking system via the first mobile phone banking APP. The database of the banking system is provided with a personal information authentication table. The personal information authentication table records a plurality of identification card data. The banking system only needs to match the received identity card data with a plurality of identity card data recorded by the personal information authentication table, and if the matching is successful, the identity of the target user is indicated to be effective.
In one possible embodiment, the target user sends the identification card data and the face image data to the banking system via the first mobile phone banking APP. And the banking system matches the received identity card data with a plurality of identity card data recorded by the personal information authentication table, and after successful matching, the banking system indicates that the identity of the target user is effective. In order to further verify the validity of the identity of the target user, face image data of the target user is verified. And matching the face image data of the target user obtained through analysis with the face image data of the target user stored in the database, and if the matching is successful, determining the target user as a valid user. Therefore, the target user in current operation can be ensured to be an effective user, and the identity card data of the target user is prevented from being imposed by other people.
S203, after receiving the authentication success information, the first mobile phone bank APP sends identification card data of the binding user to the bank system.
Specifically, after the authentication of the target user is successful, the identity card data of the bound user to be bound is sent to the banking system, so that the banking system can perform the authentication of the bound user.
S204, the bank system matches the identity card data of the binding user with a plurality of identity card data recorded in a personal information authentication table of a database, and if the matching is successful, the bank system sends binding request information containing the identity card data of the target user to a second mobile phone bank APP of the binding user.
Specifically, the bank system matches the identification card data of the binding user with a plurality of identification card data recorded in the personal information authentication table of the database, if the matching is successful, the identification card data of the binding user is recorded in the personal information authentication table of the database of the bank system, and the binding user is an effective user.
S205, when the second mobile phone banking APP receives the binding request information, the identity card data of the target user is displayed to the binding user, and confirmation information is sent to the banking system in response to confirmation operation of the binding user on the identity card data of the target user.
Specifically, the second mobile phone bank APP presents the identity card data of the target user to the binding user, so as to facilitate identity confirmation of the binding user to the target user. And if the binding user confirms that the binding is carried out with the target user, executing a confirmation operation on the second mobile phone bank APP. The second handset bank APP sends a confirmation to the banking system.
S206, after receiving the confirmation information, the banking system constructs safety relation authentication data of the target user and the binding user, and stores the safety relation authentication data into a safety authentication table of a database.
Specifically, after the bank system receives the confirmation information, the security relationship authentication data of the target user and the binding user is constructed. The security relationship authentication data is used for showing the security binding relationship between the target user and the binding user. The security relationship authentication data is stored in a security authentication table of the database.
S207, when the second mobile phone banking APP sends a remote operation request of the first mobile phone banking APP to the banking system, the banking system receives remote operation information sent by the binding user after determining the binding relationship between the binding user and the target user based on the security relationship authentication data of the security authentication table, and controls the first mobile phone banking APP based on the remote operation information.
Specifically, when the binding user sends a remote operation request of the first mobile phone banking APP to the banking system through the second mobile phone banking APP, the banking system determines the binding relationship between the binding user and the target user based on the security relationship authentication data of the security authentication table, and further determines the operation authority of the binding user to the first mobile phone banking APP. And controlling the first mobile phone bank APP based on the remote operation information sent by the binding user.
In the user data processing method of the mobile phone bank, after the validity of the identities of the target user and the binding user is determined through a plurality of identity card data recorded in the personal information authentication table of the database in the bank system, a binding application of the target user to the binding user is received, and after the binding user agrees, security relationship authentication data between the target user and the binding user is established. Therefore, when the target user is missing, the binding user can send a remote operation request of the first mobile phone banking APP to the banking system through the second mobile phone banking APP, and after the banking system determines the identity of the binding user through the security relationship authentication data stored in advance, the binding user can control the first mobile phone banking APP based on the remote operation information sent by the binding user, so that the binding user can search the target user through operating the first mobile phone banking APP.
In one implementation, the remote operation information includes reading positioning data of the first mobile phone banking APP, and the banking system controls the first mobile phone banking APP based on the remote operation information, including: the banking system sends a positioning data acquisition instruction to the first mobile phone banking APP; the method further comprises the steps of: when the first mobile phone bank APP receives the positioning data acquisition instruction, after determining that the terminal positioning data acquisition permission is acquired, acquiring the positioning data of the terminal, and sending the positioning data of the terminal to the bank system; the banking system sends the received positioning data of the terminal to the second mobile phone banking APP.
Specifically, the remote operation information includes reading positioning data of the first mobile phone bank APP. That is, the binding user needs to determine the location information of the target user through the location data of the first mobile phone bank APP. At this time, the banking system transmits a positioning data acquisition instruction to the first mobile phone banking APP. If the first mobile phone bank APP obtains the terminal positioning data acquisition permission in advance, the positioning data of the terminal are directly sent to a banking system. The banking system transmits the positioning data of the terminal of the first mobile phone banking APP to the second mobile phone banking APP. Therefore, the binding user can acquire the positioning data of the terminal of the first mobile phone bank APP, so that the geographic position of the target user is determined. Under the condition that the target user is missing, the method can enable relatives (binding users) to quickly learn the geographic position of the missing user and quickly find the missing user.
It should be noted that, the method adopts a banking system and uses the mobile phone banking APP to share the positioning data of the target user to the binding user which is bound in advance, mainly because of the security of the user data. The bank system stores the identity card data of the user, and has strong confidentiality to various data of the user and high identity authentication requirement. The sharing of the positioning data of the user is realized through the banking system and the mobile phone banking APP, and the safety of personal information of the user can be ensured.
In one example of the above implementation, the method further comprises: when the first mobile phone bank APP receives the positioning data acquisition instruction, determining that the terminal positioning data acquisition permission is not obtained or the terminal does not start the positioning system, and feeding back information that the positioning data cannot be obtained to the bank system; the banking system sends the information that the positioning data cannot be obtained to the second mobile phone banking APP.
Specifically, if the first mobile phone bank APP does not obtain the terminal positioning data acquisition permission or the terminal does not start the positioning system, the first mobile phone bank APP cannot obtain the terminal positioning data at this time. The first mobile phone bank APP feeds back information that the positioning data cannot be obtained to the banking system, and the banking system sends the information that the positioning data cannot be obtained to the second mobile phone bank APP. Therefore, the binding user can know that the geographic position of the target user cannot be obtained through the mobile banking APP.
In one example of the above implementation, the method further comprises: after a preset time period, when the banking system does not receive any feedback information of the first mobile phone bank APP, the first mobile phone bank APP is determined to be not networked, and data information representing that the first mobile phone bank APP cannot be connected with a network is sent to the second mobile phone bank APP.
Specifically, there may be a case where the first mobile phone bank APP cannot be networked. The terminal may not open a network connection, or the current location signal of the target user is poor, and the first mobile phone bank APP cannot be networked. At this time, the banking system transmits data information indicating that the first mobile phone bank APP cannot connect to the network to the second mobile phone bank APP. Therefore, the binding user can know that the geographic position of the target user cannot be obtained through the mobile banking APP. Or, the binding user can infer that the current position of the target user is remote and the network signal is poor through the data information representing that the first mobile phone bank APP cannot be connected with the network.
In one example of the above implementation, the method further comprises: when the banking system receives the information that the positioning data cannot be obtained, sending a photographing data obtaining instruction to the first mobile phone banking APP; when the first mobile phone bank APP receives the command for acquiring the photographing data, after determining that the starting authority of the terminal camera is acquired, starting the terminal camera, acquiring the photographing data obtained by photographing the terminal camera, and transmitting the photographing data to the bank system; the banking system sends the photo data to a preset system.
Specifically, when the target user is missing, the binding user alerts. At this time, if the banking system receives the information that the positioning data cannot be obtained, an instruction for obtaining the photographing data is sent to the first mobile phone bank APP. After the first mobile phone bank APP determines that the starting authority of the terminal camera is obtained, the terminal camera is started, photo data obtained by photographing the terminal camera is obtained, and the photo data is sent to a bank system. Typically, the banking system cannot process this type of photo data, and at this time, the banking system transmits the photo data to a preset system connected to its network. The preset system can determine the geographic position of the target user by identifying the photo data, so that the target user can be quickly found, and the missing population can be quickly found.
In one example of the above implementation, after the banking system sends the photo data to a preset system, the banking system further includes: the banking system sends data information to the second mobile phone banking APP that photo data characterizing the first mobile phone banking APP has been sent to a preset system.
Specifically, the banking system transmits data information representing that photo data of the first mobile phone banking APP has been transmitted to the preset system to the binding user, so that the binding user can follow up the geographical position progress of the target user to the relevant unit.
In the user data processing method of the mobile phone bank, after the validity of the identities of the target user and the binding user is determined through a plurality of identity card data recorded in the personal information authentication table of the database in the bank system, a binding application of the target user to the binding user is received, and after the binding user agrees, security relationship authentication data between the target user and the binding user is established. Therefore, when the target user is missing, the binding user can send a remote operation request of the first mobile phone banking APP to the banking system through the second mobile phone banking APP, and after the banking system determines the identity of the binding user through the security relationship authentication data stored in advance, the binding user can control the first mobile phone banking APP based on the remote operation information sent by the binding user, so that the binding user can search the target user through operating the first mobile phone banking APP.
In one embodiment, the invention also provides a user data processing system of the mobile phone bank, as shown in fig. 1, wherein the user data processing system comprises a first mobile phone bank APP, a banking system and a second mobile phone bank APP; the method comprises the steps that a first mobile phone bank APP sends a binding authentication request to a bank system, and identity card data of a target user are packaged in the binding authentication request; the bank system analyzes the identity card data of the target user from the binding authentication request, extracts a plurality of recorded identity card data from a personal information authentication table of a database, matches the identity card data of the target user with the plurality of recorded identity card data, and if the matching is successful, determines that the target user is a valid user and sends authentication success information to the first mobile phone bank APP; after receiving the authentication success information, the first mobile phone bank APP sends identification card data of a binding user to the bank system; the bank system matches the identity card data of the binding user with a plurality of identity card data recorded in a personal information authentication table of a database, and if the matching is successful, the bank system sends binding request information containing the identity card data of the target user to a second mobile phone bank APP of the binding user; when the second mobile phone banking APP receives the binding request information, the second mobile phone banking APP displays the identity card data of the target user to the binding user, responds to the confirmation operation of the binding user on the identity card data of the target user, and sends confirmation information to the banking system; after receiving the confirmation information, the banking system constructs safety relationship authentication data of the target user and the binding user, and stores the safety relationship authentication data into a safety authentication table of a database; when the second mobile phone banking APP sends a remote operation request of the first mobile phone banking APP to the banking system, the banking system receives remote operation information sent by the binding user after determining the binding relationship between the binding user and the target user based on the security relationship authentication data of the security authentication table, and controls the first mobile phone banking APP based on the remote operation information.
For a specific limitation of a user data processing system of a mobile phone bank, reference may be made to the limitation of a user data processing method of a mobile phone bank hereinabove, and the details are not repeated here. The above-mentioned various modules in the user data processing system of mobile phone bank can be implemented completely or partially by means of software, hardware and their combination. The above modules may be embedded in hardware or may be independent of a processor in the computer device, or may be stored in software in a memory in the computer device, so that the processor may call and execute operations corresponding to the above modules.
The embodiment of the invention provides a computer readable storage medium, wherein an application program is stored on the computer readable storage medium, and when the application program is executed by a processor, the user data processing method of the mobile phone bank of any one of the embodiments is realized. The computer readable storage medium includes, but is not limited to, any type of disk including floppy disks, hard disks, optical disks, CD-ROMs, and magneto-optical disks, ROMs (Read-Only memories), RAMs (Random AcceSS Memory, random access memories), EPROMs (EraSable Programmable Read-Only memories), EEPROMs (Electrically EraSable ProgrammableRead-Only memories), flash memories, magnetic cards, or optical cards. That is, a storage device includes any medium that stores or transmits information in a form readable by a device (e.g., computer, cell phone), and may be read-only memory, magnetic or optical disk, etc.
The embodiment of the invention also provides a computer application program which runs on a computer and is used for executing the user data processing method of the mobile banking in any one of the embodiments.
In addition, fig. 3 is a schematic structural diagram of a computer device in an embodiment of the present invention.
The embodiment of the invention also provides computer equipment, as shown in fig. 3. The computer device includes a processor 302, a memory 303, an input unit 304, a display unit 305, and the like. It will be appreciated by those skilled in the art that the device architecture shown in fig. 3 does not constitute a limitation of all devices, and may include more or fewer components than shown, or may combine certain components. The memory 303 may be used to store an application 301 and various functional modules, and the processor 302 runs the application 301 stored in the memory 303, thereby performing various functional applications of the device and data processing. The memory may be internal memory or external memory, or include both internal memory and external memory. The internal memory may include read-only memory (ROM), programmable ROM (PROM), electrically Programmable ROM (EPROM), electrically Erasable Programmable ROM (EEPROM), flash memory, or random access memory. The external memory may include a hard disk, floppy disk, ZIP disk, U-disk, tape, etc. The disclosed memory includes, but is not limited to, these types of memory. The memory disclosed herein is by way of example only and not by way of limitation.
The input unit 304 is used for receiving input of a signal and receiving keywords input by a user. The input unit 304 may include a touch panel and other input devices. The touch panel may collect touch operations on or near the user (e.g., the user's operation on or near the touch panel using any suitable object or accessory such as a finger, stylus, etc.), and drive the corresponding connection device according to a preset program; other input devices may include, but are not limited to, one or more of a physical keyboard, function keys (e.g., play control keys, switch keys, etc.), a trackball, mouse, joystick, etc. The display unit 305 may be used to display information input by a user or information provided to the user and various menus of the terminal device. The display unit 305 may take the form of a liquid crystal display, an organic light emitting diode, or the like. The processor 302 is a control center of the terminal device, connects various parts of the entire device using various interfaces and lines, performs various functions and processes data by running or executing software programs and/or modules stored in the memory 303, and invoking data stored in the memory.
As one embodiment, the computer device includes: the system comprises one or more processors 302, a memory 303, one or more application programs 301, wherein the one or more application programs 301 are stored in the memory 303 and configured to be executed by the one or more processors 302, and the one or more application programs 301 are configured to perform a user data processing method of a mobile banking in any one of the above embodiments.
In addition, the foregoing describes in detail the user data processing method, system, computer device and storage medium of the mobile banking provided by the embodiment of the present invention, and specific examples should be adopted herein to illustrate the principles and embodiments of the present invention, and the foregoing description of the embodiments is only for helping to understand the method and core idea of the present invention; meanwhile, as those skilled in the art will have variations in the specific embodiments and application scope in accordance with the ideas of the present invention, the present description should not be construed as limiting the present invention in view of the above.
Claims (10)
1. The user data processing method of the mobile banking is characterized by comprising the following steps:
the method comprises the steps that a first mobile phone bank APP sends a binding authentication request to a bank system, and identity card data of a target user are packaged in the binding authentication request;
the bank system analyzes the identity card data of the target user from the binding authentication request, extracts a plurality of recorded identity card data from a personal information authentication table of a database, matches the identity card data of the target user with the plurality of recorded identity card data, and if the matching is successful, determines that the target user is a valid user and sends authentication success information to the first mobile phone bank APP;
after receiving the authentication success information, the first mobile phone bank APP sends identification card data of a binding user to the bank system;
the bank system matches the identity card data of the binding user with a plurality of identity card data recorded in a personal information authentication table of a database, and if the matching is successful, the bank system sends binding request information containing the identity card data of the target user to a second mobile phone bank APP of the binding user;
when the second mobile phone banking APP receives the binding request information, the second mobile phone banking APP displays the identity card data of the target user to the binding user, responds to the confirmation operation of the binding user on the identity card data of the target user, and sends confirmation information to the banking system;
after receiving the confirmation information, the banking system constructs safety relationship authentication data of the target user and the binding user, and stores the safety relationship authentication data into a safety authentication table of a database;
when the second mobile phone banking APP sends a remote operation request of the first mobile phone banking APP to the banking system, the banking system receives remote operation information sent by the binding user after determining the binding relationship between the binding user and the target user based on the security relationship authentication data of the security authentication table, and controls the first mobile phone banking APP based on the remote operation information.
2. The method of claim 1, wherein the binding authentication request further encapsulates facial image data of the target user, the method further comprising: the banking system analyzes face image data of the target user from the binding authentication request;
the step of matching the identification card data of the target user with the recorded plurality of identification card data, and if the matching is successful, determining the target user as a valid user comprises the following steps:
and matching the identity card data of the target user with the recorded plurality of identity card data, if the matching is successful, matching the face image data of the target user obtained through analysis with the face image data of the target user stored in the database, and if the matching is successful, determining the target user as a valid user.
3. The method of claim 1, wherein the remote operation information includes reading location data of the first mobile phone banking APP, and wherein the banking system controls the first mobile phone banking APP based on the remote operation information, comprising: the banking system sends a positioning data acquisition instruction to the first mobile phone banking APP;
the method further comprises the steps of:
when the first mobile phone bank APP receives the positioning data acquisition instruction, after determining that the terminal positioning data acquisition permission is acquired, acquiring the positioning data of the terminal, and sending the positioning data of the terminal to the bank system;
the banking system sends the received positioning data of the terminal to the second mobile phone banking APP.
4. A method according to claim 3, characterized in that the method further comprises: when the first mobile phone bank APP receives the positioning data acquisition instruction, determining that the terminal positioning data acquisition permission is not obtained or the terminal does not start the positioning system, and feeding back information that the positioning data cannot be obtained to the bank system;
the banking system sends the information that the positioning data cannot be obtained to the second mobile phone banking APP.
5. A method according to claim 3, characterized in that the method further comprises:
after a preset time period, when the banking system does not receive any feedback information of the first mobile phone bank APP, the first mobile phone bank APP is determined to be not networked, and data information representing that the first mobile phone bank APP cannot be connected with a network is sent to the second mobile phone bank APP.
6. The method according to claim 4, wherein the method further comprises:
when the banking system receives the information that the positioning data cannot be obtained, sending a photographing data obtaining instruction to the first mobile phone banking APP;
when the first mobile phone bank APP receives the command for acquiring the photographing data, after determining that the starting authority of the terminal camera is acquired, starting the terminal camera, acquiring the photographing data obtained by photographing the terminal camera, and transmitting the photographing data to the bank system;
the banking system sends the photo data to a preset system.
7. The method of claim 6, wherein the banking system, after transmitting the photograph data to a preset system, further comprises:
the banking system sends data information to the second mobile phone banking APP that photo data characterizing the first mobile phone banking APP has been sent to a preset system.
8. The user data processing system of the mobile phone bank is characterized by comprising a first mobile phone bank APP, a banking system and a second mobile phone bank APP; wherein,
the first mobile phone bank APP sends a binding authentication request to a bank system, and identity card data of a target user are packaged in the binding authentication request;
the bank system analyzes the identity card data of the target user from the binding authentication request, extracts a plurality of recorded identity card data from a personal information authentication table of a database, matches the identity card data of the target user with the plurality of recorded identity card data, and if the matching is successful, determines that the target user is a valid user and sends authentication success information to the first mobile phone bank APP;
after receiving the authentication success information, the first mobile phone bank APP sends identification card data of a binding user to the bank system;
the bank system matches the identity card data of the binding user with a plurality of identity card data recorded in a personal information authentication table of a database, and if the matching is successful, the bank system sends binding request information containing the identity card data of the target user to a second mobile phone bank APP of the binding user;
when the second mobile phone banking APP receives the binding request information, the second mobile phone banking APP displays the identity card data of the target user to the binding user, responds to the confirmation operation of the binding user on the identity card data of the target user, and sends confirmation information to the banking system;
after receiving the confirmation information, the banking system constructs safety relationship authentication data of the target user and the binding user, and stores the safety relationship authentication data into a safety authentication table of a database;
when the second mobile phone banking APP sends a remote operation request of the first mobile phone banking APP to the banking system, the banking system receives remote operation information sent by the binding user after determining the binding relationship between the binding user and the target user based on the security relationship authentication data of the security authentication table, and controls the first mobile phone banking APP based on the remote operation information.
9. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, characterized in that the processor implements the steps of the method according to any one of claims 1 to 7 when the computer program is executed by the processor.
10. A computer readable storage medium, on which a computer program is stored, characterized in that the computer program, when being executed by a processor, implements the steps of the method according to any one of claims 1 to 7.
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| Application Number | Priority Date | Filing Date | Title |
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| CN202310670626.2A CN117057897A (en) | 2023-06-08 | 2023-06-08 | User data processing method, system, equipment and storage medium of mobile phone bank |
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| CN202310670626.2A CN117057897A (en) | 2023-06-08 | 2023-06-08 | User data processing method, system, equipment and storage medium of mobile phone bank |
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| CN115001806A (en) * | 2022-05-31 | 2022-09-02 | 中国银行股份有限公司 | Mobile phone bank login authorization method and device |
| CN115311073A (en) * | 2022-08-10 | 2022-11-08 | 中国银行股份有限公司 | Mobile phone bank page layout setting method and device |
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| CN110881053A (en) * | 2019-12-31 | 2020-03-13 | 中国银行股份有限公司 | Mobile phone remote control method, device and system based on bank system |
| CN114092077A (en) * | 2021-11-24 | 2022-02-25 | 中国银行股份有限公司 | Payment anti-fraud supervision method and device based on 5G message |
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