WO2017054481A1

WO2017054481A1 - Information verification and processing method and apparatus, and information processing system

Info

Publication number: WO2017054481A1
Application number: PCT/CN2016/083920
Authority: WO
Inventors: 韦德志; 郭懿心; 郑伟涛; 吴文勤; 王兆创; 王�章
Original assignee: 腾讯科技（深圳）有限公司
Priority date: 2015-09-29
Filing date: 2016-05-30
Publication date: 2017-04-06
Also published as: CN106557923A

Abstract

An information verification and processing method and apparatus, and a storage medium. The information verification method comprises: receiving an information verification request sent by a network server, the request carrying identity information about a user; verifying the received identity information according to identity information stored in a network data platform, the identity information stored in the network data platform having been subjected to real-name authentication; and sending a verification result to the network server.

Description

Information verification and processing method, device, and information processing system

This application claims priority to Chinese Patent Application No. 201510633549.9, entitled "Information Processing Method and System, Information Verification Method and Apparatus", filed on September 29, 2015, the entire contents of which are hereby incorporated by reference. The citations are incorporated herein by reference.

Technical field

The present invention relates to the field of communications technologies, and in particular, to an information verification and processing method, apparatus, and information processing system.

Background technique

At present, users need to open an account in a bank, and they must go to a bank outlet to handle the account opening business. The process of opening an account at a bank outlet is rather cumbersome. For example, a general user must first go to the banking outlet to queue up, then fill in the information, and finally go to the counter to open an account.

It can be seen that at present, the bank outlets handle the account opening business, that is, the way of opening an account offline, for the user, there are problems of complicated operation, wasted time, and poor experience; for the bank, there is a problem of wasting a lot of human resources and inefficient account opening.

With the development of network technology becoming more and more mature, some banks have proposed the concept of online account opening to solve a series of problems brought about by offline account opening. Online account opening means that users do not need to go to the bank outlets. To open an account, you only need to exchange data with the bank's server through a terminal (such as a mobile phone or a computer) to handle the account opening business. It can be seen that online account opening can make it easy for users to open an account opening business, and can also save a lot of human resources for the bank, and can improve the efficiency of the bank to open an account opening business.

However, the biggest problem facing banks in order to open an online account is how to identify whether the identity information transmitted by the user is true. If the bank opens the account to the user if the identity information is false, it will lead to a series of Problems such as financial market disruption and facilitation of economic crimes.

Therefore, the technical problem of how to identify the authenticity of the user's identity information needs to be urgently solved.

technical problem

It is an object of the present invention to provide an information verification and processing method, apparatus, and information processing system to solve the technical problem of how to identify the authenticity of user identity information.

Technical solution

In order to solve the above technical problems, the present invention provides the following technical solutions:

An embodiment of the present invention provides an information verification method, including the following steps:

Receiving an information verification request sent by the network server, where the information verification request carries the first identity information of the user, and is sent by the network server after receiving the account opening request of the user;

Acquiring the second identity information of the user stored by the network data platform, where the second identity information is identity information that is authenticated by the network data platform;

Verifying the first identity information according to the second identity information to obtain a verification result;

Sending the verification result to the network server, so that the network server processes the account opening request according to the verification result.

An embodiment of the present invention further provides an information processing method, including the following steps:

Receiving an account opening request sent by the terminal, where the account opening request carries the first identity information of the user;

Sending an information verification request to the network data platform according to the account opening request, where the information verification request carries the first identity information of the user;

Receiving, by the network data platform, the verification result returned by the information verification request, where the verification result is obtained by the network data platform verifying the first identity information according to the second identity information, where the second identity information is Identity information of real-name authentication of network data platform;

If the verification result is that the verification is passed, processing the account opening request;

If the verification result is that the verification fails, the account opening request is refused to be processed.

An embodiment of the present invention further provides an information verification apparatus, including: a first receiving module, an obtaining module, a verification module, and a first sending module;

The first receiving module is configured to receive an information verification request sent by the network server, where the information verification request carries the first identity information of the user, and is sent by the network server after receiving the account opening request of the user;

The obtaining module is configured to acquire second identity information of the user stored by the network data platform, where the second identity information is identity information that is authenticated by the network data platform real name;

a verification module, configured to verify the first identity information according to the second identity information;

The first sending module is configured to send the verification result of the verification module to the network server, so that the network server processes the account opening request according to the verification result.

An embodiment of the present invention further provides an information processing apparatus, including: a first receiving module, a sending module, a second receiving module, and an account opening processing module;

The first receiving module is configured to receive an account opening request sent by the terminal, where the account opening request carries the first identity information of the user;

The sending module is configured to send an information verification request to the network data platform according to the account opening request, where the information verification request carries the first identity information of the user;

The second receiving module is configured to receive a verification result returned by the network data platform according to the information verification request, where the verification result is obtained by the network data platform verifying the first identity information according to the second identity information, where The second identity information is identity information that is authenticated by the network data platform;

The account opening processing module is configured to:

And if the verification result is that the verification is passed, the account opening request is processed;

If the verification result is that the verification fails, the processing of the account opening request is refused.

Receiving, by the network server, an account opening request sent by the user's terminal, where the account opening request carries the first identity information of the user;

Sending, by the network server, an information verification request to the network data platform according to the account opening request, where the information verification request carries the first identity information of the user;

After receiving the information verification request, the network data platform acquires the second identity information of the user that is stored, and the second identity information is identity information that is authenticated by the network data platform.

The network data platform verifies the first identity information according to the second identity information to obtain a verification result; and sends the verification result to the network server;

The network server processes the account opening request if the verification result is the verification pass, and refuses to process the account opening request if the verification result is that the verification fails.

An embodiment of the present invention further provides an information processing system, including: a network server and a network data platform;

The network server is configured to receive an account opening request sent by the user's terminal, where the account opening request carries the first identity information of the user; and send an information verification request to the network data platform according to the account opening request, where the information verification request is carried The first identity information of the user; and in the case that the verification result is a verification pass, the account opening request is processed, and if the verification result is that the verification fails, the account opening request is refused deal with;

The network data platform is configured to obtain, after receiving the information verification request, the second identity information of the user that is stored, where the second identity information is identity information that is authenticated by the network data platform. And verifying the first identity information according to the second identity information to obtain a verification result; and sending the verification result to the network server.

Embodiments of the present invention also provide a storage medium, wherein the storage medium stores therein processor-executable instructions for performing the following operations:

Beneficial effect

The embodiment of the present invention provides an information verification and processing method, an apparatus, and an information processing system. The information verification method provided by the embodiment of the present invention acquires a network data platform storage when receiving the first identity information of the user sent by the network server. The second identity information of the user, the second identity information is identity information that is authenticated by the network data platform, and then the first identity information is verified according to the second identity information to obtain verification. As a result, the verification result is sent to the network server, so that the network server performs the account opening process. The information verification method provided by the embodiment of the present invention can be received according to the identity information stored by the network data platform. The identity information is verified to identify the authenticity of the identity information, thereby providing a basis for the bank server to open a account for the user to open an account online; since the identity information stored by the network data platform is authenticated by the real name, the network data is adopted. Identity information stored by the platform The received identity information is verified, and the authenticity of the received identity information can be accurately identified; the information verification method of the present invention can be applied to online account opening, which can be used to identify the authenticity of the user identity information, and ensure that the bank is Users who transmit real identity information can open a bank account, which avoids a series of problems brought by the bank for users who use false identity information. It can greatly improve the accuracy and security of information under the premise of simplifying user operations and improving account opening efficiency. .

DRAWINGS

In order to more clearly illustrate the technical solutions in the embodiments of the present invention, the drawings used in the description of the embodiments will be briefly described below. It is obvious that the drawings in the following description are only some embodiments of the present invention. Other drawings can also be obtained from those skilled in the art based on these drawings without paying any creative effort.

1 is a schematic flowchart of an information verification method according to an embodiment of the present invention;

2 is a schematic flowchart of another information verification method according to an embodiment of the present invention;

FIG. 3 is a schematic flowchart diagram of an information processing method according to an embodiment of the present disclosure;

FIG. 4 is a schematic flowchart diagram of another information processing method according to an embodiment of the present disclosure;

FIG. 5 is a schematic structural diagram of a first information verification apparatus according to an embodiment of the present disclosure;

FIG. 6 is a schematic structural diagram of a second information verification apparatus according to an embodiment of the present disclosure;

FIG. 7 is a schematic structural diagram of a third information verification apparatus according to an embodiment of the present invention;

FIG. 8 is a schematic structural diagram of an information processing apparatus according to an embodiment of the present disclosure;

FIG. 9 is a schematic structural diagram of another information processing apparatus according to an embodiment of the present disclosure;

FIG. 10 is a schematic flowchart diagram of still another information processing method according to an embodiment of the present disclosure;

FIG. 11 is a schematic structural diagram of an information processing system according to an embodiment of the present disclosure;

FIG. 12 is a schematic flowchart of an online account opening according to an embodiment of the present invention;

FIG. 13 is a schematic structural diagram of a server according to an embodiment of the present disclosure;

FIG. 14 is a schematic structural diagram of another server according to an embodiment of the present invention.

BEST MODE FOR CARRYING OUT THE INVENTION

The technical solutions in the embodiments of the present invention are clearly and completely described in the following with reference to the accompanying drawings in the embodiments of the present invention. It is obvious that the described embodiments are only a part of the embodiments of the present invention, but not all embodiments. All other embodiments obtained by a person skilled in the art based on the embodiments of the present invention without creative efforts are within the scope of the present invention.

Embodiments of the present invention provide a method, an apparatus, and an information processing system for information verification and processing. The details will be described separately below.

In order to be able to identify the authenticity of the user identity information, the embodiment provides an information verification method, as shown in FIG. 1 , including the following steps:

Step 101: Receive an information verification request sent by a network server, where the information verification request carries the first identity information of the user, and is sent by the network server after receiving the account opening request of the user.

In the embodiment, the first identity information includes: name information and identity card information, driver's license information, or passport information, or social security number, or residence permit information, or utility bill information;

In this embodiment, the network server may be a network server of the bank, and is used for data processing to implement processing or processing of various banking services, such as account opening, transfer, loan, and the like.

In this embodiment, the information verification request is sent by the network server according to the account opening request after receiving the account opening request sent by the user terminal; the information verification information carries information such as the first identity information.

Specifically, the executor of the step 101 may be a device or a data platform outside the network server. In this embodiment, after receiving the account opening request sent by the user terminal, the network server may obtain the first identity information by using the verification request. Send to a device or data platform outside the web server.

Step 102: Acquire second identity information of the user stored by the network data platform, where the second identity information is identity information that is authenticated by the network data platform.

Specifically, the network data platform in this embodiment may be a network data platform (referred to as a third-party payment platform) provided by a third-party payment institution, and used to process network data to implement a third-party payment function, for example, may be Alipay or wealth. The data platform.

In practical applications, as long as the user registers with the third-party payment platform, the third-party payment platform will require the user to input identity information (such as name and ID card), and the third-party payment platform performs real-name authentication on the identity information input by the user. The user is allowed to perform the transaction on the third-party payment platform. Therefore, in this embodiment, the network data platform stores the identity information of the user, and the identity information is the identity information authenticated by the real-name authentication of the network data platform, so the second in this embodiment. The identity information is the user's true identity information.

In the embodiment, the process of real-name authentication of the identity information by the network data platform may be: the network data platform sends the identity information to the public security system, and the public security system performs real-name authentication.

Because the identity information stored by the third-party payment platform relates to personal privacy and information security, it cannot be randomly obtained; therefore, in order to improve information security and avoid personal privacy leakage, step 102 may specifically include:

Obtaining, by the network data platform, authentication information that is granted to the user, where the authentication information is used to log in to the network data platform;

Verifying the authentication information;

If the authentication information is verified, the stored second identity information of the user is obtained from the network data platform.

The process of obtaining the identity information is as follows: The method in this embodiment can obtain the identity information from the network data platform only after the authentication information is verified. Specifically, the authentication information in this embodiment may include: account information and password information of the user on the network data platform, used to log in to the network data platform, that is, login information, to perform transactions; for example, the user's Alipay account or password.

Preferably, the manner in which the network data platform obtains the authentication information of the user in the embodiment may include at least one of the first mode and the second mode:

The first mode is: receiving authentication information sent by the user's terminal. Specifically, the user terminal may send the authentication information on the network data platform to the network data platform after sending the identity information to the network server, so that the user can extract Identity information stored by the network data platform;

The second method is: the authentication information sent by the network server; specifically, the user can send the authentication information to the network server, and the network server sends the information to the network platform through a data interface with the network data platform.

The authentication information in this embodiment may also include only the password of the user on the network data platform; in this case, the process of obtaining the authentication information of the user by the network data platform includes:

Obtaining the account information of the user by the network data platform according to the first identity information;

Receiving the password information of the user by the network data platform sent by the user terminal.

When the execution body of the method in this embodiment is a network data platform, since the identity information of the user is received in advance, the account information of the corresponding user on the network data platform may be found according to the identity information, such as a name; but considering data security and privacy The password information also needs to be sent by the user terminal.

Step 103: Verify the first identity information according to the second identity information, to obtain a verification result.

Specifically, step 103 includes:

Comparing the first identity information with the second identity information to determine whether the first identity information is the same as the second identity information;

When the first identity information is the same as the second identity information, it is determined that the first identity information is verified to pass; at this time, the verification result is a pass;

When the first identity information is different from the second identity information, it is determined that the first identity information is not verified. At this time, the verification result is not passed.

Step 104: Send the verification result to the network server, so that the network server processes the account opening request according to the verification result.

In the embodiment, the steps 101-104 can be completed by the network data platform. During the online account opening process, the bank server receives the account opening request sent by the user terminal, and then sends the first identity information carried by the account opening request to the network data platform through the verification request. The verification is performed by the network data platform, and the verification result is sent to the bank server, so that the bank server determines whether to open the account for the user, that is, whether to process the account opening request.

The verification result in this embodiment includes: the verification pass or the verification fails the two cases; when the verification result is the pass, it is further required to determine whether the user is the user himself or herself, specifically, before step 104, the embodiment is The information verification method may further include:

Sending verification information to the first terminal of the user;

Receiving the verification information fed back by the second terminal of the user, where the second terminal is the same or different terminal as the first terminal;

Comparing the sent verification information with the received verification information to determine whether the transmitted verification information is identical to the received verification information;

If the same, send the verification result to the network server;

If they are not the same, the verification result that the verification fails is sent to the network server, or the user is prompted to verify the information error. The method in this embodiment may determine whether the current user is the user by sending the verification information, and the verification information may be a verification code, for example, “123456”. In this embodiment, the method for sending the authentication information to the user terminal may be multiple. In the actual application, the network data platform, for example, the third-party payment platform needs to store the communication identifier of the user, and sends the information to the user's terminal. In this embodiment, the verification information is sent to the user terminal by using the communication identifier stored in the network data platform. Specifically, the process of sending the verification information to the terminal of the user in the embodiment may include:

Obtaining, by the network data platform, a communication identifier corresponding to the user;

Sending verification information to the first terminal of the user according to the communication identifier.

Preferably, the communication identifier may include: a phone number, an email address, or an instant messaging account. For example, in the method of this embodiment, the phone number of the user stored by the third-party payment platform may be obtained, and then the short message verification code is sent to the user according to the phone number. Terminal to determine if the current user is the user himself.

Preferably, the information verification method provided in this embodiment can be applied to a network data platform, such as a third-party payment platform.

According to the above description, the information verification method provided by the embodiment can verify the received identity information according to the identity information stored by the network data platform. Since the identity information stored by the network data platform is authenticated by the real name, the network data platform is adopted. The stored identity information verifies the received identity information, and can identify the authenticity of the received identity information. The information verification method of the present invention can be applied to online account opening to identify the authenticity of the user identity information and ensure Banks open accounts for users who transmit real identity information, which avoids a series of problems caused by banks opening accounts for users who use false identity information. In addition, the information verification method of this embodiment is also easy to implement, low in cost and wide in scope of application. advantage.

Further, the information verification method of the embodiment further determines whether the current user is the user by issuing the verification information before returning the verification result to the network server, and the application of the online account opening process can prevent the use of the real identity information of the other party. The opening of the account has increased the reliability of online account opening.

As shown in FIG. 2, the embodiment further provides another information verification method. The execution body of the method may be a network data platform or other device, and includes the following steps:

Step 201: Receive an information verification request sent by a network server, where the information verification request carries the first identity information of the user.

Specifically, the network server is a server provided by the bank for realizing various banking services, wherein the first identity information includes name information and identity card information, driver's license information, or passport information, or social security number, or residence permit information, or Water and electricity bill information, etc.

Specifically, the information verification request carries the first identity information of the user, and is sent by the network server after receiving the account opening request of the user.

Step 202: Receive authentication information sent by the first terminal of the user, where the authentication information is an authentication information that is granted to the network data platform by the network data platform, and is used to log in to the network data platform.

In this embodiment, the network data platform may be a data platform for implementing a third-party payment function, that is, a third-party payment platform;

In this embodiment, the authentication information may be an account and a password for logging in to the network data platform, such as an Alipay account and a password. That is, the authentication information in this embodiment may be login information.

Specifically, the terminal that sends the authentication information in the embodiment may be the same terminal as the terminal that initiates the account opening request to the network server. For example, when the user uses the computer to open an online account, enter the first identity information on the account opening page, and click “ After submitting the account opening application, an account opening request is sent to the bank server, and after receiving the account opening request, the bank server generates a message verification request carrying the first identity information, and sends the request to the third party payment platform; the user clicks “Submit Account Opening” After the application, the user enters the page for inputting the authentication information of the third-party payment platform, and the user inputs the corresponding authentication information on the page, and the computer sends it to the bank server and the third-party payment platform to forward it to the third-party payment platform. The sending authentication information is the same terminal as the terminal that initiated the account opening request.

Of course, in this embodiment, the terminal that sends the authentication information and the terminal that initiates the account opening request to the network server may be different terminals; that is, for example, the user uses the computer to open an account, and uses the mobile phone to send the authentication information to the network data platform (for example, in the wealth Enter the login information in the Pass or Alipay App and send it to the Fortune or Alipay data platform by mobile phone.

Step 203: Perform verification on the authentication information. If the authentication information is verified, go to step 204. If the verification of the authentication information fails, the process ends or the user is authenticated. failure.

Specifically, in this embodiment, the account and password used to log in to the network data platform can be verified, for example, whether the account and the password match, and the like.

Step 204: Acquire, from the network data platform, the second identity information of the user that is stored by the network data platform, where the second identity information is identity information that is authenticated by the network data platform.

Specifically, the second identity information of the user may be extracted from the storage unit of the network data platform according to the authentication information (for example, the account information), for example, after receiving the Alipay account and the password of the user, the account may be based on the Alipay account of the user. Find the corresponding identity information in the database.

Step 205: The first identity information is compared with the second identity information to determine whether the first identity information and the second identity information are the same. If the verification is the same, the process proceeds to step 206. If not, If the verification fails, go to step 209.

Step 206: Acquire a communication identifier corresponding to the user stored in the network data platform, and send verification information to the second terminal of the user according to the communication identifier.

Specifically, the communication identifier includes: a phone number, an email address, or an instant messaging account; therefore, the step may send the verification information to the user terminal by using a short message or an email.

Preferably, in this embodiment, the second terminal may be the same terminal as the first terminal, or may be a different terminal; for example, the user uses a computer to perform online account opening, and the third payment platform may send the verification information to the third payment platform. The user's mobile phone (such as verifying the SMS), or sending the verification information to the user's computer (for example, the user logs in to the mailbox through the computer to receive the verification email).

Step 207: Receive verification information fed back by the first terminal.

Specifically, when the user opens the account with the computer, the user can input the verification information on the account opening page of the computer after receiving the verification message on the mobile phone, and send the verification information to the network data platform through the interface between the network server and the network data platform.

Step 208: Compare the sent verification information with the received verification information. If they are the same, go to step 209.

When the comparison result is different, the method in this embodiment may send and verify different verification results to the network server, or may prompt the user to verify the code input error, request the user to resend, and end when the number of times the user sends the verification code reaches a certain value. Process.

Step 209: Send the verification result to the network server, so that the network server processes the account opening request according to the verification result.

Specifically, when the verification result is that the verification is passed, the network server may process the account opening request and complete the account opening. When the verification result is that the verification fails, the network server may refuse to process the account opening request.

The information verification method provided in this embodiment can be applied to online account opening, which is used to identify the authenticity of the account opening identity information, provide a basis for the bank server to open a user account, improve the security of account opening and account opening efficiency, and has convenient implementation. Low cost and other advantages.

As shown in FIG. 3, this embodiment provides an information processing method, which can be applied to a network server such as a bank server, and includes the following steps:

Step 301: Receive an account opening request sent by the terminal, where the account opening request carries the first identity information of the user.

Specifically, the user logs in to the account opening page provided by the bank server through the computer, and then inputs the identity information on the account opening page. After submitting the account opening application, the computer generates an account opening request and sends the account request to the bank server, wherein the account opening request carries the user identity information, etc. The information includes: user name and user ID card, driver's license information, or passport information, or social security number, or residence permit information, or utility bill information.

Step 302: Send an information verification request to the network data platform according to the account opening request, where the information verification request carries the first identity information of the user.

Specifically, after receiving the account opening request, the bank server extracts the identity information of the user from the account opening request, and then sends an information verification request carrying the identity information to the network data platform, and the network data platform verifies the identity information.

Step 303: Receive a verification result returned by the network data platform according to the information verification request, where the verification result is obtained by the network data platform verifying the first identity information according to the second identity information, where the second identity information is The identity information of the real-name authentication of the network data platform.

After receiving the first identity information, the network data platform acquires the second identity information of the user authenticated by the real name, and then verifies the first identity information according to the second identity information, and sends the verification result to the bank server; for example, the bank When the server sends the user identity information to the third-party payment platform for verification, the bank server sends an information verification request carrying the identity information to the third-party payment platform, and the third-party payment platform finds out from the storage after receiving the information verification request. The user's real-name authenticated identity information, and the received identity information is verified by the found identity information, and then the verification result is sent to the bank server.

Step 304: If the verification result is that the verification is passed, the account opening request is processed; if the verification result is that the verification fails, the account opening request is refused to be processed.

Specifically, after receiving the verification result, the bank server performs different operations according to the verification result. When the verification result is the verification, the account opening request is processed, for example, generating an account information, and the account information and the first An identity information binding; the account information is sent to the terminal; when the verification result is that the verification fails, the bank server may refuse to process the account opening request, that is, the account opening fails.

Preferably, when the verification result is that the verification fails, the result of the account opening failure may also be returned to the user, specifically, the account opening failure is prompted in the account opening page, and the reason for the failure is given.

In the embodiment, the information processing method is applied to the online account opening process, and when the user inputs the identity information to open an account, the account opening identity information is sent to the third-party payment platform for verification, that is, the authenticity of the account opening identity information is identified by the third-party payment platform. According to the verification result returned by the third-party payment platform, it is judged whether to open the account for the user, and the information processing method of the present invention can improve the security of online account opening and the efficiency of opening an account.

The bank needs to consider the credit status of the user when the account is actually opened. Therefore, in the information processing method of the embodiment, the information processing method is further processed before the verification result is verified and the account opening request is processed. It is necessary to determine whether the user's credit meets the requirements. If the user does not meet the requirements, the account is refused to be opened. If the user is satisfied, the account is opened. As shown in FIG. 4, the information processing method in this embodiment includes the following steps:

Step 401: Receive an account opening request sent by the terminal, where the account opening request carries the first identity information of the user.

Step 402: Send an information verification request to the network data platform according to the account opening request, where the information verification request carries the first identity information of the user.

Step 403: Receive a verification result returned by the network data platform according to the information verification request, where the verification result is obtained by the network data platform verifying the first identity information according to the second identity information, where the second identity information is The identity information of the real-name authentication of the network data platform.

In step 404, it is determined whether the verification result is a verification pass. If yes, step 405 is performed, and if no, step 408 is performed.

Step 405: Acquire the credit data of the user.

Specifically, the credit information can be obtained from the central bank's credit information system, including: loan records, repayment records, and credit card related data.

Step 406: Determine, according to the credit information, whether the credit of the user meets the preset credit condition. If yes, execute step 407. If no, execute step 408.

Specifically, after the network server obtains the credit information, the user obtains the credit rating according to the preset information level division rule, and then compares the credit rating with the minimum credit rating required to open the account, and if less than the lowest credit rating, determines not The preset credit condition is met, and if it is greater than or equal to the lowest credit level, it is determined that the preset credit condition is satisfied.

In step 407, the account opening request is processed.

In step 408, the processing of the account opening request is refused.

If so, the network server processes the account opening request.

At this time, the information processing method of the embodiment is applied to the online account opening process, and after the user identity information is verified, the user's credit needs to be judged, thereby avoiding the situation of opening a account for a bad credit user, and reducing the bank. risk.

The present embodiment provides an information verification apparatus, which can be applied to a network data platform, as shown in FIG. 5, including: a first receiving module 501, an obtaining module 502, a verification module 503, and a first sending module 504;

The first receiving module 501 is configured to receive an information verification request sent by the network server, where the information verification request carries the first identity information of the user, and is sent by the network server after receiving the account opening request of the user;

The obtaining module 502 is configured to acquire second identity information of the user that is stored by the network data platform, where the second identity information is identity information that is authenticated by the network data platform.

The verification module 503 is configured to verify the first identity information according to the second identity information.

The first sending module 504 is configured to send the verification result of the verification module 503 to the network server, so that the network server processes the account opening request according to the verification result.

Preferably, the verification module is configured to:

Comparing the first identity information with the second identity information to determine whether the first identity information and the second identity information are the same;

When the first identity information is the same as the second identity information, determining to pass the first identity information verification;

When the first identity information is different from the second identity information, it is determined that the first identity information is not verified.

Preferably, as shown in FIG. 6, the obtaining module 502 in this embodiment includes: an authentication information obtaining sub-module 5021, a verification sub-module 5022, and an identity information obtaining sub-module 5023;

The authentication information obtaining sub-module 5021 is configured to obtain authentication information that is granted by the network data platform to the user, where the authentication information is used to log in to the network data platform;

The verification submodule 5022 is configured to verify the authentication information.

The identity information obtaining sub-module 5023 is configured to obtain, from the network data platform, the stored second identity information of the user, if the verification sub-module 5022 verifies the authentication information. .

Preferably, as shown in FIG. 7, on the basis of the above, the information verification apparatus of this embodiment may further include: a second sending module 505, a second receiving module 506, and a comparing module 507;

The second sending module 505 is configured to send verification information to the terminal of the user;

The second receiving module 506 is configured to receive verification information fed back by the terminal;

The comparing module 507 is configured to compare the sent verification information with the received verification information to determine whether the sent verification information is the same as the received verification information.

The first sending module 504 is configured to: when the verification result of the verification module 503 is passed, and the comparison module 507 determines that the sent verification information is the same as the received verification information, the verification result of the verification module 503 is Sent to the web server.

The information verification apparatus provided in this embodiment can be applied to a network data platform, which can verify the received identity information according to the identity information stored by the network data platform. Since the identity information stored by the network data platform is authenticated by a real name, The identity information stored by the network data platform is used to verify the received identity information, and the authenticity of the received identity information can be identified; the information verification device of the present invention can be applied to online account opening to identify the user identity information. The authenticity of the bank ensures that the bank opens an account for the user who transmits the real identity information, and avoids a series of problems caused by the bank opening the account for the user who uses the false identity information. In addition, the information verification device of the embodiment is easy to implement and has low cost. The advantages of a wide range of applications.

Further, the information verification apparatus of the embodiment further determines whether the current user is the user by issuing the verification information before returning the verification result to the network server, and the application of the online account opening process can prevent the use of the real identity information of the other party. The opening of the account has increased the reliability of online account opening.

As shown in FIG. 8, the embodiment provides an information processing apparatus, which can be applied to a network server such as a bank server, and includes: a first receiving module 801, a sending module 802, a second receiving module 803, and an account opening processing module 804;

The first receiving module 801 is configured to receive an account opening request sent by the terminal, where the account opening request carries the first identity information of the user; specifically, the user logs in to the account opening page provided by the bank server through the computer, and then inputs the identity on the account opening page. The information, after submitting the account opening application, the computer generates an account opening request and sends it to the first receiving module 801 in the bank server, wherein the account opening request carries the user's identity information, etc., wherein the identity information includes: the user name and the user ID card and the like.

The sending module 802 is configured to send an information verification request to the network data platform according to the account opening request, where the verification request carries the first identity information of the user; specifically, the sending module 802 in the bank server extracts the account opening request The first identity information is generated, and the information verification request carrying the first identity information is sent to the network data platform for verification;

The second receiving module 803 is configured to receive a verification result returned by the network data platform according to the information verification request, where the verification result is obtained by the network data platform verifying the first identity information according to the second identity information. The second identity information is identity information that is authenticated by the network data platform; specifically, the second receiving module 803 in the bank server can obtain the verification result from the network data platform by using a network communication protocol;

The account opening processing module 804 is configured to:

In the embodiment, the information processing device is implemented in the bank server for online account opening. When the user inputs the identity information to open an account, the account opening identity information is sent to the third-party payment platform for verification, that is, the third-party payment platform is used to identify the account opening identity information. The authenticity, according to the verification result returned by the third-party payment platform to determine whether to open the account for the user, the application of the information processing device of the present invention can improve the security of online account opening and the efficiency of account opening.

The bank needs to consider the credit status of the user when the account is actually opened. Therefore, in the case where the verification result is that the verification is passed and the account opening request is processed, the bank needs to determine the credit of the user. If the requirements are met, if the requirements are not met, the account is denied to be opened, and if so, the user is opened; as shown in FIG. 9, the information processing apparatus of the embodiment further includes: a credit judgment module 805;

The credit determination module 805 is configured to:

Obtaining the credit data of the user;

Determining, according to the credit information, whether the credit of the user satisfies a preset credit condition;

The account opening processing module 804 is specifically configured to process the account opening request if the verification result is a verification pass and the information determining module determines to be YES.

The information processing apparatus shown in FIG. 9 needs to judge the credit of the user after verifying the user identity information, thereby avoiding the situation of opening a account for a user with bad credit, reducing the risk of the bank, and improving the security of the account opening.

This embodiment provides an information processing method, as shown in FIG. 10, including the following steps:

Step 111: The network server receives an account opening request sent by the user's terminal, where the account opening request carries the first identity information of the user.

In this embodiment, the network server is preferably a server provided by the bank for implementing banking services; the first identity information preferably includes: name information and identity card information.

In an actual application, the user can initiate an account opening request to the network server online, for example, the user logs in to the network server of the bank through the terminal, and enters the identity information in the account opening interface provided by the network server to apply for opening an account, and then the terminal generates a corresponding account opening request to send. To the web server, wherein the account opening request includes the first identity information of the user.

Step 112: The network server sends a information verification request to the network data platform according to the account opening request, where the information verification request carries the first identity information of the user.

In this embodiment, the network data platform may be a network data platform (referred to as a third-party payment platform) provided by a third-party payment institution for processing network data to implement a third-party payment function, such as data that can be Alipay or Fortune. platform.

In this embodiment, after receiving the account opening request, the network server of the bank may send the identity information of the user to a network data platform, such as a third-party payment platform, for verification to determine the authenticity of the identity information input by the user.

Step 113: After receiving the information verification request, the network data platform acquires the second identity information of the user that is stored, and the second identity information is identity information that is authenticated by the network data platform.

Specifically, step 113 includes:

The network data platform obtains the authentication information that is granted to the user, and the authentication information is used to log in to the network data platform; for example, receiving the authentication information sent by the terminal of the user or receiving the sending by the network server. The authentication information;

The network data platform performs verification on the authentication information;

And if the network data platform verifies the authentication information, the network data platform invokes the second identity information of the user from the storage.

For example, the third-party payment platform obtains the authentication information of the user on the third-party payment platform, including: account information and password information, and then checks the account information and the password information. If the verification is passed, the third-party payment platform is The second identity information of the user is invoked in the storage, and the second identity information is identity information that is authenticated by the third payment platform, that is, the real identity information.

For example, after receiving the identity information of the user, the third-party payment platform searches for the corresponding account information according to the identity information, and then receives the password information corresponding to the account information sent by the user terminal, and performs verification on the password information, if the verification is performed. By passing, the second identity information of the user, that is, the real identity information, is called from the storage.

In this embodiment, the user can input the authentication information of the network data platform in the account opening interface provided by the network server, and then the terminal sends the authentication information to the network data platform; for example, after the user inputs the identity information in the account opening interface provided by the bank server. The account opening interface provides a login interface of the third payment platform. The user inputs the account and password of the third-party payment platform on the login interface, and sends the certificate to the third-party payment platform through the server of the bank or directly by the terminal.

Step 114: The network data platform verifies the first identity information according to the second identity information to obtain a verification result, and sends the verification result to the network server.

In this embodiment, the network data platform stores the second identity information of the user. After receiving the identity information sent by the network server, the network data platform may invoke the stored identity information to verify the identity information sent by the network server, specifically, the storage device. The identity information is compared with the received identity information. When the information is the same, the verification is passed, and when the information is different, the verification fails. Therefore, in this embodiment, the verification result of the first identity information verification includes or fails to pass the two situations; specifically, in the case that the verification result is passed, the method of the embodiment sends the verification result to the network server. You also need to determine whether the current user is the user. The specific implementation can include:

The network data platform sends verification information to the terminal of the user;

The network data platform receives the verification information fed back by the terminal;

The network data platform compares the sent verification information with the received verification information to determine whether the transmitted verification information is identical to the received verification information;

When the authentication information sent and received is the same, it indicates that the current user is the user. In this case, the verification result that is passed for verification is sent to the network server to notify the network server that the current user identity information is authentic, and then the network server is opened for opening. Related data processing;

When the authentication information sent and received is different, it indicates that the current user is not the user. In this case, the verification result may not be sent to the network server, or the verification result that is not verified may be sent to the network server, so as to prevent others from using the user identity information to open an account. The situation arises.

Step 115: The network server processes the account opening request if the verification result is that the verification is passed, and refuses to process the account opening request if the verification result is that the verification fails.

When the verification result is the verification, it indicates that the current network server currently receives the identity information is true. At this time, the network server performs data processing related to the account opening according to the first identity information, for example, assigning a bank account to the user, binding. Data processing such as identity information and account information is processed, and the result of the processing is returned to the user terminal.

The bank needs to consider the credit status of the user when the account is actually opened. Therefore, in the case of the information processing method of the embodiment, if the verification result is the verification, the network server performs the account opening according to the first identity information. Before the related data processing, the information processing method further includes:

The network server acquires the credit information of the user;

Determining, by the network server, whether the credit of the user meets a preset credit condition according to the credit information;

If yes, the network server performs data processing related to the account opening according to the first identity information.

At this time, applying the information processing method of the embodiment to the online account opening process can also avoid the situation of opening a account for a user with bad credit, and reducing the risk of the bank.

As shown in FIG. 11, the embodiment further provides an information processing system, including: a network server 10 and a network data platform 11;

The network server 10 is configured to receive an account opening request sent by the terminal of the user, where the account opening request carries the first identity information of the user, and send an information verification request to the network data platform 11 according to the account opening request, where the information verification request carries The first identity information of the user; and in the case that the verification result is a verification pass, the account opening request is processed, and if the verification result is that the verification fails, the account opening request is refused deal with;

The network data platform 11 is configured to obtain, after receiving the information verification request, the second identity information of the user that is stored, where the second identity information is identity information that is authenticated by the network data platform 11; And verifying the first identity information according to the second identity information to obtain a verification result; and sending the verification result to the network server 10.

In this embodiment, the network server 10 may be a bank server, and the network data platform 11 may be a third party payment platform. The following describes the specific process of applying the information processing method of the embodiment to implement online account opening, which involves a user terminal, a network server of a bank, a network data platform of a third-party payment institution, and a credit data server, as shown in FIG. 12 . The process of opening an online account includes the following steps:

Step 121: The user terminal initiates an account opening request to the network server, where the account opening request carries the identity information of the user.

Step 122: The network server receives the account opening request, and sends an information verification request to the network data platform according to the account opening request, where the information verification request carries the identity information.

Step 123: The user terminal sends the authentication information to the network data platform, where the authentication information is used to log in to the network data platform, and specifically includes account information and password information.

Step 124: After receiving the identity information, the network data platform verifies the authentication information. If the verification succeeds, step 125 is performed.

In the embodiment, when the verification is passed, the process ends or the user authentication information is prompted to be incorrect.

Step 125: The network data platform extracts the real identity information of the user from the storage, and compares the real identity information with the received identity information to verify the received identity information. If the information is the same, indicating that the verification is passed, Step 126 is executed. If the information is different, indicating that the verification fails, step 131 is performed.

Step 126: The network data platform obtains the communication identifier of the user from the storage, and sends a verification code to the user terminal according to the communication identifier.

For example, an SMS verification code is sent to the user terminal, or a verification code is sent by email. The user terminal in this step and the terminal that initiates the account opening request may be the same terminal, or may be different terminals, such as a mobile phone and a computer.

Step 127: The user terminal replies to the network data platform with a corresponding verification code.

In step 128, the network data platform compares the issued verification code with the verification code replied by the user terminal. If they are consistent, step 129 is performed.

In this embodiment, if the verification codes sent and received are inconsistent, the account opening process is terminated, or the network server is notified that the account is not allowed to open the account, or the user is prompted to verify the code error, and requests whether to re-issue the verification code.

Step 129: The network data platform sends the verification result of the verification to the network server.

Step 130: The network server acquires the credit data of the user from the credit data server.

Step 131: The network server determines, according to the credit information, whether the credit of the user meets the preset credit condition. If yes, step 132 is performed. If not, step 134 is performed.

In this embodiment, if the default credit condition is not satisfied, the network server is not allowed to open an account, and the account opening result information that fails to open the account is returned to the user terminal.

Step 132: The network server processes the account opening request, and returns the processed result to the user terminal, and ends the account opening process.

Step 133: The network data platform sends a verification result that fails verification to the network server.

In step 134, the network server refuses to process the account opening request, and returns the result information of the account opening failure to the user terminal.

The information processing method provided in this embodiment can realize online account opening, which not only solves the troubles of the user opening an account at the bank outlet, but also improves the user experience, and also saves the bank's human resources and improves the efficiency of account opening.

As shown in FIG. 13, the embodiment further provides a network data platform, which may be composed of a server. Therefore, the network data platform described below may be the server; wherein the server may integrate the implementation of the present invention. The information verification device of the example, as shown in FIG. 13 , shows a schematic structural diagram of a server according to an embodiment of the present invention, specifically:

The server may include one or more processors 1001 of processing cores, a memory 1002 of one or more computer readable storage media, and a radio frequency (Radio) Frequency, RF) circuit 1003, power supply 1004, input unit 1005, and display unit 1006 and the like. It will be understood by those skilled in the art that the server structure shown in FIG. 13 does not constitute a limitation to the server, and may include more or less components than those illustrated, or a combination of certain components, or different component arrangements. among them:

The processor 1001 is the control center of the server, connecting various portions of the entire server using various interfaces and lines, by running or executing software programs and/or modules stored in the memory 1002, and recalling data stored in the memory 1002, Execute the server's various functions and process data to monitor the server as a whole. Optionally, the processor 1001 may include one or more processing cores; preferably, the processor 1001 may integrate an application processor and a modem processor, where the application processor mainly processes an operating system, a user interface, an application, and the like. The modem processor primarily handles wireless communications. It can be understood that the above modem processor may not be integrated into the processor 1001.

The memory 1002 can be used to store software programs and modules, and the processor 1001 executes various functional applications and data processing by running software programs and modules stored in the memory 1002. The memory 1002 may mainly include a storage program area and a storage data area, wherein the storage program area may store an operating system, an application required for at least one function (such as a sound playing function, an image playing function, etc.), and the like; the storage data area may be stored according to Data created by the use of the server, etc. Moreover, memory 1002 can include high speed random access memory, and can also include non-volatile memory, such as at least one magnetic disk storage device, flash memory device, or other volatile solid state storage device. Accordingly, the memory 1002 can also include a memory controller to provide access to the memory 1002 by the processor 1001.

The RF circuit 1003 can be used for receiving and transmitting signals during the transmission and reception of information. Specifically, after receiving the downlink information of the base station, the downlink information is processed by one or more processors 1001. In addition, the data related to the uplink is sent to the base station. Generally, RF circuit 1003 includes, but is not limited to, an antenna, at least one amplifier, a tuner, one or more oscillators, a Subscriber Identity Module (SIM) card, a transceiver, a coupler, a low noise amplifier (LNA, Low) Noise Amplifier), duplexer, etc. In addition, RF circuit 1003 can also communicate with the network and other devices via wireless communication. The wireless communication can use any communication standard or protocol, including but not limited to a global mobile communication system (GSM, Global System of Mobile communication), General Packet Radio Service (GPRS, General Packet Radio) Service), Code Division Multiple Access (CDMA), Wideband Code Division Multiple Access (WCDMA, Wideband Code) Division Multiple Access), Long Term Evolution (LTE), e-mail, short message service (SMS, Short) Messaging Service) and so on.

The server also includes a power source 1004 (such as a battery) for powering various components. Preferably, the power source can be logically coupled to the processor 1001 through a power management system to manage functions such as charging, discharging, and power management through the power management system. The power supply 1004 may also include any one or more of a DC or AC power source, a recharging system, a power failure detection circuit, a power converter or inverter, a power status indicator, and the like.

The server can also include an input unit 1005 that can be used to receive input numeric or character information and to generate keyboard, mouse, joystick, optical or trackball signal inputs related to user settings and function controls.

The server can also include a display unit 1006 that can be used to display information entered by the user or information provided to the user and various graphical user interfaces of the server, which can be composed of graphics, text, icons, video, and It is composed of any combination. The display unit 1008 can include a display panel, and optionally, a liquid crystal display can be used. (LCD, Liquid Crystal Display), Organic Light Emitting Diode (OLED, Organic Light-Emitting) Diode) and other forms to configure the display panel.

Specifically, in this embodiment, the processor 1001 in the server loads the executable file corresponding to the process of one or more applications into the memory 1002 according to the following instructions, and is stored in the memory by the processor 1001. The application in 1002, thus implementing various functions, as follows:

Preferably, the step of: performing verification on the first identity information according to the second identity information to obtain a verification result may include:

Preferably, the step of “acquiring the second identity information of the user stored by the network data platform” may include:

Obtaining authentication information that is granted by the network data platform to the user, where the authentication information is used to log in to the network data platform;

Verifying the authentication information;

And if the authentication information is verified, the stored second identity information of the user is obtained from the network data platform.

Preferably, in the case that the verification result is the verification pass, before the sending the verification result to the network server, the following functions are also implemented:

Sending verification information to the first terminal of the user;

If they are the same, the verification result is sent to the network server.

Preferably, the step of “sending verification information to the terminal corresponding to the user” may include:

Sending verification information to the first terminal according to the communication identifier.

Referring to FIG. 14 , an embodiment of the present invention further provides a network server, where an information processing apparatus according to an embodiment of the present invention may be integrated, as shown in FIG. 14 , which is a schematic structural diagram of a server according to an embodiment of the present invention. Said:

The server may include one or more processing core processors 2001, one or more computer readable storage media memories 2002, radio frequency (Radio) Frequency, RF) circuit 2003, power supply 2004, input unit 2005, and display unit 2006 and the like. It will be understood by those skilled in the art that the server structure illustrated in FIG. 14 does not constitute a limitation to the server, and may include more or less components than those illustrated, or a combination of certain components, or different component arrangements. among them:

The processor 2001 is the control center of the server, connecting various parts of the entire server using various interfaces and lines, by running or executing software programs and/or modules stored in the memory 2002, and recalling data stored in the memory 2002, Execute the server's various functions and process data to monitor the server as a whole. Optionally, the processor 2001 may include one or more processing cores; preferably, the processor 2001 may integrate an application processor and a modem processor, where the application processor mainly processes an operating system, a user interface, an application, and the like. The modem processor primarily handles wireless communications. It can be understood that the above modem processor may not be integrated into the processor 2001.

The memory 2002 can be used to store software programs and modules, and the processor 2001 executes various functional applications and data processing by running software programs and modules stored in the memory 2002. The memory 2002 may mainly include a storage program area and a storage data area, wherein the storage program area may store an operating system, an application required for at least one function (such as a sound playing function, an image playing function, etc.), and the like; the storage data area may be stored according to Data created by the use of the server, etc. Moreover, memory 2002 can include high speed random access memory, and can also include non-volatile memory, such as at least one magnetic disk storage device, flash memory device, or other volatile solid state storage device. Accordingly, memory 2002 may also include a memory controller to provide access to memory 2002 by processor 2001.

The RF circuit 2003 can be used for receiving and transmitting signals during the process of transmitting and receiving information. In particular, after receiving the downlink information of the base station, the downlink information is processed by one or more processors 2001; in addition, the data related to the uplink is sent to the base station. Generally, RF circuit 2003 includes, but is not limited to, an antenna, at least one amplifier, a tuner, one or more oscillators, a Subscriber Identity Module (SIM) card, a transceiver, a coupler, a low noise amplifier (LNA, Low) Noise Amplifier), duplexer, etc. In addition, the RF circuit 2003 can also communicate with the network and other devices through wireless communication. The wireless communication can use any communication standard or protocol, including but not limited to a global mobile communication system (GSM, Global System of Mobile communication), General Packet Radio Service (GPRS, General Packet Radio) Service), Code Division Multiple Access (CDMA), Wideband Code Division Multiple Access (WCDMA, Wideband Code) Division Multiple Access), Long Term Evolution (LTE), e-mail, short message service (SMS, Short) Messaging Service) and so on.

The server also includes a power source 2004 (such as a battery) that supplies power to the various components. Preferably, the power source can be logically coupled to the processor 2001 through a power management system to manage functions such as charging, discharging, and power management through the power management system. The power supply 2004 can also include any one or more of a DC or AC power source, a recharging system, a power failure detection circuit, a power converter or inverter, a power status indicator, and the like.

The server can also include an input unit 2005 that can be used to receive input numeric or character information and to generate keyboard, mouse, joystick, optical or trackball signal inputs related to user settings and function controls.

The server may also include a display unit 2006 that may be used to display information entered by the user or information provided to the user and various graphical user interfaces of the server, which may be by graphics, text, icons, video, and It is composed of any combination. The display unit 2008 can include a display panel, and optionally, a liquid crystal display can be used. (LCD, Liquid Crystal Display), Organic Light Emitting Diode (OLED, Organic Light-Emitting) Diode) and other forms to configure the display panel.

Specifically, in this embodiment, the processor 2001 in the server loads the executable file corresponding to the process of one or more application programs into the memory 2002 according to the following instructions, and is executed by the processor 2001 to be stored in the memory. The application in 2002, thus implementing various functions, as follows:

Preferably, if the verification result is that the verification is passed, and before the account opening request is processed, the following functions may be implemented:

Obtaining the credit data of the user;

If the preset credit condition is met, the account opening request is processed.

Preferably, the step “processing the account opening request” may include:

Generating an account information and binding the account information to the first identity information;

The account information is sent to the terminal. A person skilled in the art may understand that all or part of the various steps of the foregoing embodiments may be performed by a program to instruct related hardware. The program may be stored in a computer readable storage medium, and the storage medium may include: Read only memory (ROM, Read Only Memory), Random Access Memory (RAM), disk or CD.

The information verification and processing method, device, and information processing system provided by the embodiments of the present invention are described in detail. The principles and implementation manners of the present invention are described in the following. It is only used to help understand the method of the present invention and its core idea; at the same time, for those skilled in the art, according to the idea of the present invention, there will be changes in specific embodiments and application scopes. The description should not be construed as limiting the invention.

Claims

An information verification method, comprising the following steps:

Receiving an information verification request sent by the network server, where the information verification request carries the first identity information of the user, and is sent by the network server after receiving the account opening request of the user;

Acquiring the second identity information of the user stored by the network data platform, where the second identity information is identity information that is authenticated by the network data platform;

Verifying the first identity information according to the second identity information to obtain a verification result;

Sending the verification result to the network server, so that the network server processes the account opening request according to the verification result.
The information verification method according to claim 1, wherein the step of verifying the first identity information according to the second identity information to obtain a verification result comprises:

Comparing the first identity information with the second identity information to determine whether the first identity information and the second identity information are the same;

When the first identity information is the same as the second identity information, determining to pass the first identity information verification;

When the first identity information is different from the second identity information, it is determined that the first identity information is not verified.
The information verification method according to claim 1, wherein the step of acquiring the second identity information of the user stored by the network data platform comprises:

Obtaining authentication information that is granted by the network data platform to the user, where the authentication information is used to log in to the network data platform;

Verifying the authentication information;

And if the authentication information is verified, the stored second identity information of the user is obtained from the network data platform.
The information verification method according to any one of claims 1 to 3, wherein, in the case where the verification result is verification pass, before the transmitting the verification result to the network server; the information verification The method also includes:

Sending verification information to the first terminal of the user;

Receiving the verification information fed back by the second terminal of the user, where the second terminal is the same or different terminal as the first terminal;

Comparing the sent verification information with the received verification information to determine whether the transmitted verification information is identical to the received verification information;

If they are the same, the verification result is sent to the network server.
The information verification method according to claim 4, wherein the step of transmitting the verification information to the terminal corresponding to the user comprises:

Obtaining, by the network data platform, a communication identifier corresponding to the user;

Sending verification information to the first terminal according to the communication identifier.
An information processing method includes the following steps:

Receiving an account opening request sent by the terminal, where the account opening request carries the first identity information of the user;

Sending an information verification request to the network data platform according to the account opening request, where the information verification request carries the first identity information of the user;

Receiving, by the network data platform, the verification result returned by the information verification request, where the verification result is obtained by the network data platform verifying the first identity information according to the second identity information, where the second identity information is Identity information of real-name authentication of network data platform;

If the verification result is that the verification is passed, processing the account opening request;

If the verification result is that the verification fails, the account opening request is refused to be processed.
The information processing method according to claim 6, wherein the information processing method further comprises: if the verification result is that the verification is passed, and before processing the account opening request, the information processing method further comprises:

Obtaining the credit data of the user;

Determining, according to the credit information, whether the credit of the user satisfies a preset credit condition;

If the preset credit condition is met, the account opening request is processed.
The method of claim 6 or 7, wherein the step of processing the account opening request comprises:

Generating an account information and binding the account information to the first identity information;

The account information is sent to the terminal.
An information verification apparatus, comprising: a first receiving module, an obtaining module, a verification module, and a first sending module;

The first receiving module is configured to receive an information verification request sent by the network server, where the information verification request carries the first identity information of the user, and is sent by the network server after receiving the account opening request of the user;

The obtaining module is configured to acquire second identity information of the user stored by the network data platform, where the second identity information is identity information that is authenticated by the network data platform real name;

a verification module, configured to verify the first identity information according to the second identity information;

The first sending module is configured to send the verification result of the verification module to the network server, so that the network server processes the account opening request according to the verification result.
The information verification device according to claim 9, wherein the verification module is specifically configured to:

Comparing the first identity information with the second identity information to determine whether the first identity information and the second identity information are the same;

When the first identity information is the same as the second identity information, determining to pass the first identity information verification;

When the first identity information is not identical to the second identity information, it is determined that the first identity information is not verified.
The information verification apparatus according to claim 9, wherein the acquisition module comprises: an authentication information acquisition sub-module, a verification sub-module, and an identity information acquisition sub-module;

The authentication information obtaining sub-module is configured to obtain authentication information that is granted by the network data platform to the user, where the authentication information is used to log in to the network data platform;

The verification submodule is configured to verify the authentication information;

The identity information obtaining sub-module is configured to obtain, from the network data platform, the stored second identity information of the user, if the verification sub-module verifies the authentication information.
The information verification apparatus according to any one of claims 9 to 11, wherein the information verification apparatus further comprises: a second transmission module, a second reception module, and a comparison module;

The second sending module is configured to send verification information to the first terminal of the user;

The second receiving module is configured to receive the verification information that is sent by the second terminal of the user, where the first terminal and the second terminal are the same or different terminals;

The comparing module is configured to compare the sent verification information with the received verification information to determine whether the sent verification information is the same as the received verification information;

The first sending module is configured to: when the verification result of the verification module is verification pass, and the comparison module determines that the sent verification information is the same as the received verification information, sending the verification result of the verification module to the The web server.
An information processing apparatus, comprising: a first receiving module, a sending module, a second receiving module, and an account opening processing module;

The first receiving module is configured to receive an account opening request sent by the terminal, where the account opening request carries the first identity information of the user;

The sending module is configured to send an information verification request to the network data platform according to the account opening request, where the information verification request carries the first identity information of the user;

The second receiving module is configured to receive a verification result returned by the network data platform according to the information verification request, where the verification result is obtained by the network data platform verifying the first identity information according to the second identity information, where The second identity information is identity information that is authenticated by the network data platform;

The account opening processing module is configured to:

And if the verification result is that the verification is passed, the account opening request is processed;

If the verification result is that the verification fails, the processing of the account opening request is refused.
The information processing device according to claim 13, further comprising: a credit determination module;

The credit judgment module is configured to:

Obtaining the credit data of the user;

Determining, according to the credit information, whether the credit of the user satisfies a preset credit condition;

The account opening processing module is specifically configured to process the account opening request if the verification result is a verification pass and the information determining module determines to be YES.
An information processing method includes the following steps:

Receiving, by the network server, an account opening request sent by the user's terminal, where the account opening request carries the first identity information of the user;

Sending, by the network server, an information verification request to the network data platform according to the account opening request, where the information verification request carries the first identity information of the user;

After receiving the information verification request, the network data platform acquires the second identity information of the user that is stored, and the second identity information is identity information that is authenticated by the network data platform.

The network data platform verifies the first identity information according to the second identity information to obtain a verification result; and sends the verification result to the network server;

The network server processes the account opening request if the verification result is the verification pass, and refuses to process the account opening request if the verification result is that the verification fails.
The information processing method according to claim 15, wherein the step of the network data platform verifying the first identity information according to the second identity information to obtain a verification result comprises:

Comparing the first identity information with the second identity information to determine whether the first identity information and the second identity information are the same;

When the first identity information is the same as the second identity information, determining to pass the first identity information verification;

When the first identity information is different from the second identity information, it is determined that the first identity information is not verified.
The information processing method according to claim 15, wherein the step of the network data platform acquiring the second identity information of the user stored by the network data platform comprises:

The network data platform obtains authentication information that is granted to the user, and the authentication information is used to log in to the network data platform;

The network data platform performs verification on the authentication information;

And if the network data platform verifies the authentication information, the network data platform invokes the second identity information of the user from the storage.
The information processing method according to any one of claims 15 to 17, wherein, in the case where the verification result of the network data platform is verification pass, and before the verification result is transmitted to the network server, The information processing method further includes:

The network data platform sends verification information to the terminal corresponding to the user;

The network data platform receives the verification information fed back by the terminal;

The network data platform compares the sent verification information with the received verification information to determine whether the sent verification information is the same as the received verification information;

The step of transmitting the verification result to the network server includes:

The network data platform sends the verification result to the network server when determining that the sent verification information is the same as the received verification information.
The information processing method according to any one of claims 15 to 17, wherein, in the case where the verification result is verification pass, and before the network server processes the account opening request, the information processing method Also includes:

The network server acquires the credit information of the user;

Determining, by the network server, whether the credit of the user meets a preset credit condition according to the credit information;

If the preset credit condition is met, the network server processes the account opening request.
An information processing system, comprising: a network server and a network data platform;

The network server is configured to receive an account opening request sent by the user's terminal, where the account opening request carries the first identity information of the user; and send an information verification request to the network data platform according to the account opening request, where the information verification request is carried The first identity information of the user; and in the case that the verification result is a verification pass, the account opening request is processed, and if the verification result is that the verification fails, the account opening request is refused deal with;

The network data platform is configured to obtain, after receiving the information verification request, the second identity information of the user that is stored, where the second identity information is identity information that is authenticated by the network data platform. And verifying the first identity information according to the second identity information to obtain a verification result; and sending the verification result to the network server.
A storage medium, wherein the storage medium stores processor-executable instructions for performing the following operations:

Receiving an information verification request sent by the network server, where the information verification request carries the first identity information of the user, and is sent by the network server after receiving the account opening request of the user;

Acquiring the second identity information of the user stored by the network data platform, where the second identity information is identity information that is authenticated by the network data platform;

Verifying the first identity information according to the second identity information to obtain a verification result;

Sending the verification result to the network server, so that the network server processes the account opening request according to the verification result.