WO2019090995A1

WO2019090995A1 - Self-service account opening and card issuing method, self-service terminal, and computer-readable storage medium

Info

Publication number: WO2019090995A1
Application number: PCT/CN2018/074998
Authority: WO
Inventors: 凌永辉
Original assignee: 平安科技（深圳）有限公司
Priority date: 2017-11-08
Filing date: 2018-02-01
Publication date: 2019-05-16
Also published as: CN107784329A

Abstract

A self-service account opening and card issuing method, a self-service terminal, and a computer-readable storage medium. The method comprises: a self-service terminal responds to an account opening application launched by a user and acquires account opening application information of the user (S10); transmits the account opening application information to the remote seat terminal to allow a remote seat to review the account opening application (S20); determines whether a card making instruction issued by the remote seat terminal is received and whether authorization information inputted on the self-service terminal by an onsite authorizer is received (S30); and, when the card making instruction issued by the remote seat terminal is received and the authorization information inputted on the self-service terminal by the onsite authorizer is received, makes a card on the basis of the card making instruction and of the authorization information (S40).

Description

Self-service account opening method, self-service terminal and computer readable storage medium

Technical field

The present application relates to the field of information, and in particular, to a self-service account opening method, a self-service terminal, and a computer readable storage medium.

Background technique

With the development of information technology and the improvement of economic level, more and more repetitive labor relying on manpower is replaced by intelligent terminals. However, when banking business is handled, it has not been popularized due to the problem of financial assets settlement. At this stage, when the bank handles the loss or cancellation of the personal account, it still needs to be queued at the manual counter, and the card account and the card issuance business of the personal account can be completed through the authorization of the authorized bank staff. This phenomenon often leads to busy banking counters and long waiting times for users to handle business.

Application content

The main purpose of the present application is to provide a self-service account opening method, a self-service terminal, and a computer-readable storage medium, which are designed to solve the problem that the bank manual counter business is busy and the user has long waiting time for the account opening business.

In order to achieve the above object, a self-service card issuing method is provided in a bank self-issuing card issuing system, the self-service card issuing system includes a self-service terminal and a remote agent terminal communicably connected with the self-service terminal; Including the following steps:

Responding to the account opening application initiated by the user, obtaining the account opening application information of the user;

Sending the account opening application information to the remote agent terminal for remote agent to conduct an account opening application review;

Determining whether the card-making instruction issued by the remote agent terminal is received and whether authorization information input by the on-site authorized person on the self-service terminal is received;

After receiving the card-making instruction issued by the remote agent terminal, and receiving the authorization information input by the on-site authorized person on the self-service terminal, the card is made according to the card-making instruction and the authorization information.

In addition, to achieve the above objective, the present application further provides a self-service terminal, where the self-service terminal includes:

The obtaining module is configured to obtain an account opening application information of the user in response to the account opening application initiated by the user;

a sending module, configured to send the account opening application information to the remote agent terminal, so that the remote agent performs an account opening application review;

a judging module, configured to determine whether the card-making instruction issued by the remote agent terminal is received, and whether the authorization information input by the on-site authorized person on the self-service terminal is received;

a card-making module, configured to receive a card-making instruction issued by the remote agent terminal, and receive authorization information input by the on-site licensor on the self-service terminal, according to the card-making instruction and the authorization information system card.

In addition, in order to achieve the above object, the present application further provides a self-service terminal, including: a memory, a processor, and a self-service account issuing program stored on the memory and operable on the processor, The self-service account opening card issuing program is executed by the processor to implement the steps of the self-service account opening method as described above.

In addition, in order to achieve the above object, the present application further provides a computer readable storage medium, where the self-service account issuing program is stored by the processor, and the self-service account issuing program is implemented as described above. The steps for self-service account opening method.

The application obtains the account opening application information of the user by using the self-service terminal to respond to the user-initiated account opening application, and sends the account opening application information to the remote agent terminal for remote agent to conduct an account opening application review; The card-making instruction issued by the remote agent terminal and the authorization information input by the on-site licensor on the self-service terminal; receiving the card-making instruction issued by the remote agent terminal, and receiving the on-site licensor at the self-service When the authorization information is input on the terminal, the card is made according to the card making instruction and the authorization information. Since all the operations of the user are executed on the self-service terminal, and the remote agent terminal is used to handle the user's account opening business, the card household business that the bank manual counter needs to handle can be diverted to the self-service terminal, thereby alleviating the busy labor of the bank manual counter. The long waiting time for business processing.

DRAWINGS

1 is a schematic diagram of a network structure of a self-service card issuing system in the present application;

2 is a schematic structural diagram of a module of a self-service terminal according to an embodiment of the present application;

3 is a flowchart of a method for self-service card issuing method of the self-service card issuing system in FIG. 1 in the first embodiment of the present application;

4 is a flowchart of a method for a self-service card issuing method of the self-service card issuing system in FIG. 1 according to a second embodiment of the present application;

FIG. 5 is a flowchart of a method for a self-service card issuing method of the self-service card issuing system in FIG. 1 according to a third embodiment of the present application.

The implementation, functional features and advantages of the present application will be further described with reference to the accompanying drawings.

Detailed ways

It is understood that the specific embodiments described herein are merely illustrative of the application and are not intended to be limiting.

In the following description, the suffixes such as "module," "component," or "unit" used to denote an element are merely illustrative for the benefit of the present application, and have no particular meaning per se. Therefore, "module", "component" or "unit" can be used in combination.

The application provides a self-service terminal. The self-service terminal 110 is applied to the bank self-service card issuing system 100. The self-service card issuing system 100 includes a self-service terminal 110 and a remote agent terminal 120. The self-service terminal 110 can be used. The number of remote agent terminals 120 may be multiple, and the remote agent terminal 120 is configured to obtain information that needs to be audited from the self-service terminal 110, and assist the remote agent to review the service requested by the user. The remote agent may be an authorized bank worker, an intelligent robot with corresponding functions, and the like.

The user can initiate a service request to the self-service terminal 110, and the self-service terminal 110 responds to the service request initiated by the user, and establishes a communication connection with the remote agent terminal 120 according to the type of service to be handled. The communication connection may be various wired or In the wireless direct communication connection manner, the self-service terminal 110 and the remote agent terminal 120 may communicate with each other through a wireless local area network or the Internet.

2 is a schematic diagram of hardware structure modules of the self-service terminal 110 according to various embodiments of the present application. The self-service terminal 110 includes components such as a display unit 11, an input unit 12, a memory 13, a processor 14, and a power source 15. Those skilled in the art will appreciate that the self-service terminal 110 illustrated in FIG. 1 may also include more or fewer components than those illustrated, or some components may be combined, or different component arrangements. The input unit 12 is covered on the display unit 11, and the input unit 12 may not be disposed on the display unit 11, and may be disposed in the vicinity of the display unit 11 in the form of a physical button for detecting the user at the input unit 12. The touch operation is performed on or near the touch operation, and the touch operation is transmitted to the processor 14 to determine the type of the touch event, and then the processor 14 provides a corresponding visual output on the display unit 11 according to the type of the touch event. The self-service terminal 110 further carries an image capturing unit for acquiring a video image of a process of recording a card opening process when the user performs the card opening service.

The self-service terminal 110 may further include a card issuance unit 17 configured to issue a card or passbook-type account certificate to the user according to an instruction of the processor when the card-opening business is handled. The self-service terminal 110 may further include an information input unit 16, which may be integrated into the input unit 12, and the information input unit 16 may further include a physical keyboard, a fingerprint identification device, and/or an identity document reading device. Wait.

Based on the above hardware structure, a self-service account opening method is proposed.

Referring to FIG. 3, in a first embodiment of the self-service account opening method of the present application, the method includes the following steps:

Step S10: Acquire an account opening application information of the user in response to the account opening application initiated by the user;

The self-service terminal displays the banking service processing interface stored in the memory through the display unit, and the user can be close to the self-service terminal, and the touch instruction is generated by the input unit of the touch self-service terminal to select the banking service to be processed, and the self-service terminal receives the touch instruction of the user. Will respond to user-initiated account opening applications.

It should be noted that, in this embodiment, the banking service mainly emphasized is the bank account opening application business.

In addition, after receiving the account-initiated application initiated by the user, the self-service terminal establishes a communication connection with the remote agent terminal. The conditions for establishing a communication connection between the self-service terminal and the remote agent terminal may be random, that is, the remote agent terminal may be randomly assigned to the user, and different remote agent terminals may be allocated to the self-service terminal according to different types of service types, and one self-service terminal may also be used. Fixed a remote agent terminal, and can also match the self-service terminal according to the busyness of the remote agent terminal.

After establishing a communication connection with the self-service terminal, the remote agent terminal will receive the service determined by the user, but before all the services are processed, in order to ensure the security of the information and collect the basic materials required for the business processing, the remote agent needs to be described. The remote agent terminal sends a request for obtaining the account opening application information of the user to the self-service terminal. When the self-service terminal responds to the request, the self-service terminal prompts the user to request the account opening application information that needs to be prepared. The user will input the account opening application information through the information input unit of the self-service terminal according to the prompt of the self-service terminal.

The account opening application information includes: identity information and account type information; wherein the identity information includes at least one of the following information: a user's identity card positive information, an identity card reverse information, a user fingerprint information, and a user's live shooting. Face image.

Step S20: Send the account opening application information to the remote agent terminal, so that the remote agent can perform an account opening application review;

When receiving the account opening application information input by the user, the processor of the self-service terminal feeds back the account opening application information to the remote agent terminal for review, and the remote agent corresponding to the remote agent terminal verifies the accuracy of the user identity information. After the remote agent terminal successfully authenticates the user identity information, the user identity verification is sent to the self-service terminal.

Step S30, determining whether the card-making instruction issued by the remote agent terminal is received, and whether the authorization information input by the on-site authorized person on the self-service terminal is received;

After the remote agent terminal sends the information of the identity verification to the self-service terminal, the self-service terminal further determines whether the card-making instruction issued by the remote agent terminal is received and whether the authorization information input by the on-site authorized person on the self-service terminal is received. .

After the remote agent terminal sends the information of the identity verification to the self-service terminal, the self-service terminal prompts the on-site authorized personnel to enter the authorization letter information on the page of the self-service terminal. The authorization information may be fingerprint identification information recorded by the on-site authorized personnel in the fingerprint input area of the self-service terminal, or may be password information input by the on-site authorized personnel on the display interface or the information input area of the self-service terminal, or may be an on-site authorized personnel. The facial authorization information entered in the camera area of the self-service terminal, and the like.

At the same time, the remote agent terminal will also send a card-making instruction to the self-service terminal after the user's identity information is verified.

It should be noted that the authorization information input by the on-site authorized personnel on the self-service terminal may be after the remote agent terminal sends the card-making instruction, or before the remote agent terminal sends the card-making instruction.

In step S40, upon receiving the card-making instruction issued by the remote agent terminal, and receiving the authorization information input by the on-site authorized person on the self-service terminal, the card is made according to the card-making instruction and the authorization information.

The self-service terminal receives the card-making instruction issued by the remote agent terminal, and receives the authorization information input by the on-site authorized person on the self-service terminal, and forms a card according to the card-making instruction and the authorization information.

When receiving the audit non-passing instruction sent by the remote agent terminal, and/or not receiving the authorization information input by the on-site authorized person on the self-service terminal, the user is prompted to display a prompt message for failing to open the account.

In this embodiment, the account opening application information of the user is obtained by responding to the account opening application initiated by the user; the account opening application information is sent to the remote agent terminal for remote agent to perform an account opening application review; and determining whether the remote account is received a card-making instruction issued by the agent terminal and receiving authorization information input by the on-site licensor on the self-service terminal; receiving a card-making instruction issued by the remote agent terminal, and receiving an on-site licensor at the self-service terminal When the authorization information is input, the card is made according to the card making instruction and the authorization information. Since all the operations of the user are executed on the self-service terminal, and the remote agent terminal is used to handle the user's account opening business, the card household business that the bank manual counter needs to handle can be diverted to the self-service terminal, thereby alleviating the busy labor of the bank manual counter. The long waiting time for business processing.

Further, referring to FIG. 4, in the second embodiment of the method for self-service account opening and issuing according to the present application, in the second embodiment of the self-service account opening method of the present application, before the step S20, the method further includes:

Step S21, determining whether the authorization information input by the on-site authorized person on the self-service terminal is received;

Further, after obtaining the account opening application information of the user, the self-service terminal needs to send the account opening application information to the remote agent terminal. Before this, the site licensor needs to input the authorization information on the self-service terminal to authorize the self-service terminal to authorize the authorization. Information is sent to the remote agent terminal.

Step S22, after receiving the authorization information input by the on-site licensor on the self-service terminal, detecting whether the authorization information passes the verification;

After receiving the authorization information entered by the on-site licensor, the self-service terminal can verify whether the authorization information passes the verification. The verification mode may be that the authorization information input by the on-site licensor is compared with the preset authorization information, and whether the authorization information is consistent with the preset authorization information, and if the agreement is consistent, the verification is passed.

Step S23, when the authorization information passes the verification, the step of sending the account opening application information to the remote agent terminal is entered.

When the authorization information passes the verification, the self-service terminal may send the authorization information to the remote agent terminal.

In this embodiment, before the account opening application information is sent to the remote agent terminal, the pre-selection verifies whether the authorization information passes the verification, thereby ensuring the security and reliability of the information interaction.

Further, referring to FIG. 5, in the third embodiment of the self-service account opening method according to the present application, in the third embodiment of the self-service account opening method, the foregoing step S10 includes:

Step S101, providing different types of account opening types and/or bank card types selectable by the user;

In this embodiment, it is further explained that when applying for opening an account, the user may choose to handle different types of bank cards already existing by the bank. When the user handles the account opening business, the user enters the account opening application information into the self-service terminal, and the self-service terminal obtains the user's account opening application information, and knows that the account opening application information is approved and displays on the display interface for the user to select. Different types of account opening types and / or bank card types, users choose the type of account opening and / or bank card type as needed.

Step S102: Acquire corresponding identity information according to the account opening type and/or the bank card type selected by the user;

Although in the foregoing embodiment, the user who performs the service needs to be authenticated, but mainly for the security guarantee, and the basic materials required for the business processing are obtained, but actually, when the account opening business is handled, the user may also need to select different according to the user's choice. The account opening type and/or bank card type obtain different account opening application information for the user. If you are applying for a VIP bank card, you may need to provide your own proof of income and proof that the bank deposit has reached the preset opening amount.

After determining the account type and/or bank card type selected by the user, the user of the self-service terminal is prompted to input the file required for the account type and/or the bank card type, and the file is entered by the information entry unit. .

Step S103: Generate account opening application information of the user according to the account opening type and/or the bank card type selected by the user and the identity information.

When the self-service terminal obtains the required file, the account opening application information of the user is generated according to the account type and/or the bank card type selected by the user and the identity information, and the identity information includes related file information.

In the embodiment, through the above solution, the user selects different account types and/or bank card types to handle the account opening business, and provides more choices for the user.

Further, in another embodiment, after the step S40, the method further includes:

Step S50, after the card making is completed, an input interface for setting a bank card password is provided for the user to set the password of the bank card.

In this embodiment, it is further indicated that after the self-service terminal completes the card making, an input interface that requires the user to input the bank card password is displayed on the display interface. The bank card password can be a numeric password entered by the user, or a fingerprint information entered into the user.

Referring to FIG. 1 again, in an embodiment, the self-service terminal 110 may further include:

The obtaining module 111 is configured to obtain, according to the account opening application initiated by the user, the account opening application information of the user;

The sending module 112 is configured to send the account opening application information to the remote agent terminal, so that the remote agent performs an account opening application review;

The determining module 113 is configured to determine whether the card issuing instruction issued by the remote agent terminal is received, and whether the authorization information input by the on-site authorized person on the self-service terminal is received;

The card-making module 114 is configured to receive the card-making instruction issued by the remote agent terminal, and receive the authorization information input by the on-site authorized person on the self-service terminal, according to the card-making instruction and the authorization information. Card.

In this embodiment, the obtaining module 111 obtains the account opening application information of the user by using the account opening application 111, and the sending module 112 sends the account opening application information to the remote agent terminal for the remote agent to apply for opening an account. The judging module 113 determines whether the card-making instruction issued by the remote agent terminal is received and whether the authorization information input by the on-site authorized person on the self-service terminal is received; the card-making module 114 receives the remote agent terminal. And issuing the card making instruction, and receiving the authorization information input by the on-site authorized person on the self-service terminal, according to the card-making instruction and the authorization information. Since all the operations of the user are executed on the self-service terminal, and the remote agent terminal is used to handle the user's account opening business, the card household business that the bank manual counter needs to handle can be diverted to the self-service terminal, thereby alleviating the busy labor of the bank manual counter. The long waiting time for business processing.

Further, the determining module 113 is further configured to: before the sending module 112 sends the account opening application information to the remote agent terminal, determine whether the authorization information input by the site authorized person on the self-service terminal is received. And detecting whether the authorization information passes the verification, so that when the authorization information passes the verification, the sending module 112 is controlled to send the account opening application information to the remote agent terminal.

Further, the obtaining module 111 may include:

The type determining unit 121 provides different types of account opening types and/or bank card types that are selectable by the user;

The identity information obtaining unit 122 obtains corresponding identity information according to the account opening type and/or the bank card type selected by the user;

The account opening application information generating unit 123 generates the account opening application information of the user according to the account opening type and/or the bank card type selected by the user and the identity information.

Further, the self-service terminal 110 further includes a password setting module 115, configured to provide an input interface for setting a bank card password after the card is completed, for the user to set the password of the bank card.

In an embodiment, the present application further provides a self-service terminal, including a display unit 11, an input unit 12, an information input unit 16, and a card issuance unit 17, and the self-service terminal 110 further includes a processor 14, a memory 13, and a memory. The self-service account issuance process of the self-service account opening method described in any one of the above embodiments, including:

The self-service terminal in the embodiment obtains the account opening application information of the user by responding to the account opening application initiated by the user, and sends the account opening application information to the remote agent terminal for the remote agent to conduct an account opening application review; Receiving the card-making instruction issued by the remote agent terminal and receiving the authorization information input by the on-site authorized person on the self-service terminal; receiving the card-making instruction issued by the remote agent terminal, and receiving the on-site authorization When the authorization information is input on the self-service terminal, the card is made according to the card-making instruction and the authorization information. Since all the operations of the user are executed on the self-service terminal, and the remote agent terminal is used to handle the user's account opening business, the card household business that the bank manual counter needs to handle can be diverted to the self-service terminal, thereby alleviating the busy labor of the bank manual counter. The long waiting time for business processing.

Further, when the self-service account opening card issuing program is executed by the processor, the steps are further implemented:

Determining whether the authorization information input by the on-site authorized person on the self-service terminal is received;

After receiving the authorization information input by the on-site licensor on the self-service terminal, detecting whether the authorization information passes verification;

And when the authorization information passes the verification, the step of sending the account opening application information to the remote agent terminal is entered.

Further, when the self-service account issuance process is executed by the processor, the determining whether the card-making instruction issued by the remote agent terminal is received and whether the authorization information input by the on-site authorized person on the self-service terminal is received After that, it also includes:

Further, the account opening application information includes identity information and account type information; wherein the identity information includes at least one of the following information: a user's identity card positive information, an identity card reverse information, a user fingerprint information, and a user Face image taken on site.

Provide different types of account opening types and/or bank card types that users can choose from;

Obtain corresponding identity information according to the type of account selected by the user and/or the type of bank card;

The account opening application information of the user is generated according to the account opening type and/or the bank card type selected by the user and the identity information.

Further, after the self-service account issuance process is executed by the processor, the step of manufacturing the card according to the card-making instruction and the authorization information further includes:

After the card making is completed, an input interface for setting a bank card password is provided for the user to set the password of the bank card.

The present application further provides a readable storage medium, on which a self-service account issuance process is stored, and the self-service account issuance process is executed by the processor to implement all the steps of the self-service account opening method according to any of the above embodiments.

In the description of the present specification, reference is made to the terms "one embodiment", "another embodiment", "other embodiment", Or the description of the "first embodiment to the Xth embodiment" or the like means a feature described in connection with the embodiment or the example, Structures, materials or features are included in at least one embodiment or example of the application. In the present specification, the schematic representation of the above terms does not necessarily mean the same embodiment or example. Furthermore, the described features, structures, materials, method steps or features may be combined in a suitable manner in any one or more embodiments or examples.

It is to be understood that the term "comprises", "comprising", or any other variants thereof, is intended to encompass a non-exclusive inclusion, such that a process, method, article, or device comprising a series of elements includes those elements. It also includes other elements that are not explicitly listed, or elements that are inherent to such a process, method, article, or device. An element that is defined by the phrase "comprising a ..." does not exclude the presence of additional equivalent elements in the process, method, item, or device that comprises the element.

The serial numbers of the embodiments of the present application are merely for the description, and do not represent the advantages and disadvantages of the embodiments.

Through the description of the above embodiments, those skilled in the art can clearly understand that the foregoing embodiment method can be implemented by means of software plus a necessary general hardware platform, and of course, can also be through hardware, but in many cases, the former is better. An embodiment. Based on such understanding, the technical solution of the present application, which is essential or contributes to the prior art, may be embodied in the form of a software product stored in a readable storage medium (such as ROM/RAM, magnetic The disc, the optical disc, includes a number of instructions for causing a terminal (which may be a mobile phone, a computer, a server, an air conditioner, or a network device, etc.) to perform the methods described in the various embodiments of the present application.

The above is only an alternative embodiment of the present application, and thus does not limit the scope of the patent application, and the equivalent structure or equivalent process transformation of the specification and the drawings of the present application, or directly or indirectly applied to other related technologies. The fields are all included in the scope of patent protection of this application.

Claims

A self-service card issuance method, which is applied to a bank self-service card issuing system, wherein the self-service card issuing system comprises a self-service terminal and a remote agent terminal communicatively connected with the self-service terminal; and the self-service account issuing method comprises the following steps:

Responding to the account opening application initiated by the user, obtaining the account opening application information of the user;

Sending the account opening application information to the remote agent terminal for remote agent to conduct an account opening application review;

Determining whether the card-making instruction issued by the remote agent terminal is received and whether authorization information input by the on-site authorized person on the self-service terminal is received;

After receiving the card-making instruction issued by the remote agent terminal, and receiving the authorization information input by the on-site authorized person on the self-service terminal, the card is made according to the card-making instruction and the authorization information.
The self-service account issuance method according to claim 1, wherein the step of transmitting the account opening application information to the remote agent terminal further comprises:

Determining whether the authorization information input by the on-site authorized person on the self-service terminal is received;

After receiving the authorization information input by the on-site licensor on the self-service terminal, detecting whether the authorization information passes verification;

And when the authorization information passes the verification, the step of sending the account opening application information to the remote agent terminal is entered.
The self-service account issuing method according to claim 2, wherein the determining whether the card issuing instruction issued by the remote agent terminal is received and whether the authorization information input by the on-site authorized person on the self-service terminal is received is further include:

When receiving the audit non-passing instruction sent by the remote agent terminal, and/or not receiving the authorization information input by the on-site authorized person on the self-service terminal, the user is prompted to display a prompt message for failing to open the account.
The self-service account opening method according to claim 3, wherein the account opening application information comprises identity information and account type information; wherein the identity information comprises at least one of the following information: a user's identity card positive information, identity The reverse side information, the user fingerprint information, and the face image taken by the user on the spot.
The self-service account issuance method according to claim 4, wherein the step of obtaining the account opening application information of the user in response to the user-initiated account opening application comprises:

Provide different types of account opening types and/or bank card types that users can choose from;

Obtain corresponding identity information according to the type of account selected by the user and/or the type of bank card;

The account opening application information of the user is generated according to the account opening type and/or the bank card type selected by the user and the identity information.
The self-service account issuance method according to claim 5, wherein the step of manufacturing the card according to the card-making instruction and the authorization information further comprises:

After the card making is completed, an input interface for setting a bank card password is provided for the user to set the password of the bank card.
The self-service account opening method according to claim 2, wherein the account opening application information comprises identity information and account type information; wherein the identity information comprises at least one of the following information: a user's identity card positive information, identity The reverse side information, the user fingerprint information, and the face image taken by the user on the spot;

And the step of obtaining the account opening application information of the user in response to the user-initiated account opening application, including:

Provide different types of account opening types and/or bank card types that users can choose from;

Obtain corresponding identity information according to the type of account selected by the user and/or the type of bank card;

The account opening application information of the user is generated according to the account opening type and/or the bank card type selected by the user and the identity information.
The method of self-service card issuance according to claim 7, wherein the step of manufacturing the card according to the card-making instruction and the authorization information further comprises:

After the card making is completed, an input interface for setting a bank card password is provided for the user to set the password of the bank card.
The self-service card issuance method according to claim 1, wherein the determining whether the card-making instruction issued by the remote agent terminal is received and whether the authorization information input by the on-site licensor on the self-service terminal is received is further include:

When receiving the audit non-passing instruction sent by the remote agent terminal, and/or not receiving the authorization information input by the on-site authorized person on the self-service terminal, the user is prompted to display a prompt message for failing to open the account.
The self-service account opening method according to claim 1, wherein the account opening application information comprises identity information and account type information; wherein the identity information comprises at least one of the following information: a user's identity card positive information, identity The reverse side information, the user fingerprint information, and the face image taken by the user on the spot.
The self-service account issuance method according to claim 10, wherein the step of obtaining the account opening application information of the user in response to the user-initiated account opening application comprises:

Provide different types of account opening types and/or bank card types that users can choose from;

Obtain corresponding identity information according to the type of account selected by the user and/or the type of bank card;

The account opening application information of the user is generated according to the account opening type and/or the bank card type selected by the user and the identity information.
The self-service card issuance method according to claim 1, wherein the step of manufacturing the card according to the card-making instruction and the authorization information further comprises:

After the card making is completed, an input interface for setting a bank card password is provided for the user to set the password of the bank card.
A self-service terminal, wherein the self-service terminal comprises:

The obtaining module is configured to obtain an account opening application information of the user in response to the account opening application initiated by the user;

a sending module, configured to send the account opening application information to the remote agent terminal, so that the remote agent performs an account opening application review;

a judging module, configured to determine whether the card-making instruction issued by the remote agent terminal is received, and whether the authorization information input by the on-site authorized person on the self-service terminal is received;

a card-making module, configured to receive a card-making instruction issued by the remote agent terminal, and receive authorization information input by the on-site licensor on the self-service terminal, according to the card-making instruction and the authorization information system card.
The self-service terminal according to claim 13, wherein the self-service terminal is a self-service terminal carrying a camera module, and is configured to acquire a video image of a process of recording a card opening process when a card-opening service is performed by a user.
A self-service terminal, comprising: a display unit, an input unit, an information entry unit and a card issuance unit, the self-service terminal comprising: a memory, a processor, and a self-service account stored on the memory and operable on the processor The card issuing program, when the self-service account opening card program is executed by the processor, implements the following steps:

Responding to the account opening application initiated by the user, obtaining the account opening application information of the user;

Sending the account opening application information to the remote agent terminal for remote agent to conduct an account opening application review;

Determining whether the card-making instruction issued by the remote agent terminal is received and whether authorization information input by the on-site authorized person on the self-service terminal is received;

After receiving the card-making instruction issued by the remote agent terminal, and receiving the authorization information input by the on-site authorized person on the self-service terminal, the card is made according to the card-making instruction and the authorization information.
The self-service terminal according to claim 15, wherein the self-service account opening card issuing program is further executed by the processor to:

Determining whether the authorization information input by the on-site authorized person on the self-service terminal is received;

After receiving the authorization information input by the on-site licensor on the self-service terminal, detecting whether the authorization information passes verification;

And when the authorization information passes the verification, the step of sending the account opening application information to the remote agent terminal is entered.
The self-service terminal according to claim 16, wherein the self-service account opening card issuing program is further executed by the processor to:

When receiving the audit non-passing instruction sent by the remote agent terminal, and/or not receiving the authorization information input by the on-site authorized person on the self-service terminal, the user is prompted to display a prompt message for failing to open the account.
The self-service terminal according to claim 17, wherein the account opening application information comprises identity information and account type information; wherein the identity information comprises at least one of the following information: a user's identity card positive information, and an identity card reverse side Information, user fingerprint information, and face images taken by the user on the spot;

The self-service account opening card issuing program is further executed by the processor to implement the following steps:

Provide different types of account opening types and/or bank card types that users can choose from;

Obtain corresponding identity information according to the type of account selected by the user and/or the type of bank card;

The account opening application information of the user is generated according to the account opening type and/or the bank card type selected by the user and the identity information.
The self-service terminal according to claim 15, wherein the self-service account opening card issuing program is further executed by the processor to:

When receiving the audit non-passing instruction sent by the remote agent terminal, and/or not receiving the authorization information input by the on-site authorized person on the self-service terminal, the user is prompted to display a prompt message for failing to open the account.
The self-service terminal according to claim 15, wherein the account opening application information comprises identity information and account type information; wherein the identity information comprises at least one of the following information: a user's identity card positive information, and an identity card reverse side Information, user fingerprint information, and face images taken by the user on the spot;

The self-service account opening card issuing program is further executed by the processor to implement the following steps:

Provide different types of account opening types and/or bank card types that users can choose from;

Obtain corresponding identity information according to the type of account selected by the user and/or the type of bank card;

The account opening application information of the user is generated according to the account opening type and/or the bank card type selected by the user and the identity information.
The self-service terminal according to claim 15, wherein the self-service account opening card issuing program is further executed by the processor to:

After the card making is completed, an input interface for setting a bank card password is provided for the user to set the password of the bank card.
A computer readable storage medium, wherein the computer readable storage medium stores a self-service account issuing program, and the self-service account issuing program is executed by a processor to implement the following steps:

Responding to the account opening application initiated by the user, obtaining the account opening application information of the user;

Sending the account opening application information to the remote agent terminal for remote agent to conduct an account opening application review;

Determining whether the card-making instruction issued by the remote agent terminal is received and whether authorization information input by the on-site authorized person on the self-service terminal is received;

After receiving the card-making instruction issued by the remote agent terminal, and receiving the authorization information input by the on-site authorized person on the self-service terminal, the card is made according to the card-making instruction and the authorization information.
The computer readable storage medium of claim 22, wherein the self-service account opening card program is further executed by the processor to:

Determining whether the authorization information input by the on-site authorized person on the self-service terminal is received;

After receiving the authorization information input by the on-site licensor on the self-service terminal, detecting whether the authorization information passes verification;

And when the authorization information passes the verification, the step of sending the account opening application information to the remote agent terminal is entered.
The computer readable storage medium of claim 23, wherein the self-service account opening card program is further executed by the processor to:

When receiving the audit non-passing instruction sent by the remote agent terminal, and/or not receiving the authorization information input by the on-site authorized person on the self-service terminal, the user is prompted to display a prompt message for failing to open the account.
The computer readable storage medium of claim 24, wherein the account opening application information comprises identity information and account type information; wherein the identity information comprises at least one of: a user's identity card positive information, ID card reverse information, user fingerprint information and face images taken by the user on the spot;

The self-service account opening card issuing program is further executed by the processor to implement the following steps:

Provide different types of account opening types and/or bank card types that users can choose from;

Obtain corresponding identity information according to the type of account selected by the user and/or the type of bank card;

The account opening application information of the user is generated according to the account opening type and/or the bank card type selected by the user and the identity information.
The computer readable storage medium of claim 22, wherein the self-service account opening card program is further executed by the processor to:

When receiving the audit non-passing instruction sent by the remote agent terminal, and/or not receiving the authorization information input by the on-site authorized person on the self-service terminal, the user is prompted to display a prompt message for failing to open the account.
The computer readable storage medium of claim 22, wherein the self-service account opening card program is further executed by the processor to:

The account opening application information includes identity information and account type information; wherein the identity information includes at least one of the following information: a user's identity card positive information, an identity card reverse information, a user fingerprint information, and a face photographed by the user. image;

The self-service account opening card issuing program is further executed by the processor to implement the following steps:

Provide different types of account opening types and/or bank card types that users can choose from;

Obtain corresponding identity information according to the type of account selected by the user and/or the type of bank card;

The account opening application information of the user is generated according to the account opening type and/or the bank card type selected by the user and the identity information.
The computer readable storage medium of claim 22, wherein the self-service account opening card program is further executed by the processor to:

After the card making is completed, an input interface for setting a bank card password is provided for the user to set the password of the bank card.