WO2019144515A1 - Online banking activating method, device, and system, and computer readable storage medium - Google Patents

Online banking activating method, device, and system, and computer readable storage medium Download PDF

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Publication number
WO2019144515A1
WO2019144515A1 PCT/CN2018/082924 CN2018082924W WO2019144515A1 WO 2019144515 A1 WO2019144515 A1 WO 2019144515A1 CN 2018082924 W CN2018082924 W CN 2018082924W WO 2019144515 A1 WO2019144515 A1 WO 2019144515A1
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Prior art keywords
information
bank card
server
remote video
teller machine
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PCT/CN2018/082924
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French (fr)
Chinese (zh)
Inventor
李永平
高凌云
牛华
李长缤
凌永辉
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平安科技(深圳)有限公司
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Priority to CN201810068404.2A priority Critical patent/CN108270789B/en
Priority to CN201810068404.2 priority
Application filed by 平安科技(深圳)有限公司 filed Critical 平安科技(深圳)有限公司
Publication of WO2019144515A1 publication Critical patent/WO2019144515A1/en

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    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04LTRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00Network architectures or network communication protocols for network security
    • H04L63/08Network architectures or network communication protocols for network security for supporting authentication of entities communicating through a packet data network
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/10Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/108Remote banking, e.g. home banking
    • G06Q20/1085Remote banking, e.g. home banking involving automatic teller machines [ATMs]
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/351Virtual cards
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401Transaction verification
    • G06Q20/4014Identity check for transactions
    • G06Q20/40145Biometric identity checks
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02Banking, e.g. interest calculation, credit approval, mortgages, home banking or on-line banking
    • GPHYSICS
    • G07CHECKING-DEVICES
    • G07FCOIN-FREED OR LIKE APPARATUS
    • G07F19/00Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G07F19/20Automatic teller machines [ATMs]
    • G07F19/211Software architecture within ATMs or in relation to the ATM network
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04LTRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00Network architectures or network communication protocols for network security
    • H04L63/08Network architectures or network communication protocols for network security for supporting authentication of entities communicating through a packet data network
    • H04L63/0861Network architectures or network communication protocols for network security for supporting authentication of entities communicating through a packet data network using biometrical features, e.g. fingerprint, retina-scan
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04NPICTORIAL COMMUNICATION, e.g. TELEVISION
    • H04N7/00Television systems
    • H04N7/14Systems for two-way working
    • H04N7/141Systems for two-way working between two video terminals, e.g. videophone

Abstract

Disclosed are an online banking activating method, device, and system, and a computer-readable storage medium. In the present application, a virtual teller machine responds to an online banking activating instruction inputted by a client and sends a transaction processing instruction to a server; the server responds to the transaction processing instruction, distributes a target teller in an idle state to the virtual teller machine, and sends the transaction processing instruction to a terminal device corresponding to the target teller; the terminal device responds to the transaction processing instruction, acquires identity information of the client, and when the identity information verification succeeds, generates a bank card information reading request, and sends the bank card information reading request to the virtual teller machine; the virtual teller machine responds to the bank card information reading request, displays a bank card information input prompt, and sends the bank card information inputted by the client to the server; the server verifies the bank card information, and when the verification succeeds, activates online banking for the bank card corresponding to the bank card information.

Description

网银开通方法、设备、系统及计算机可读存储介质  Online banking opening method, device, system and computer readable storage medium
本申请要求于2018年1月24日提交中国专利局、申请号为201810068404.2、发明名称为“网银开通方法、设备、系统及计算机可读存储介质”的中国专利申请的优先权,其全部内容通过引用结合在申请中。This application claims the priority of the Chinese Patent Application filed on January 24, 2018, the Chinese Patent Office, the application number is 201810068404.2, and the invention is entitled "Internet banking opening method, equipment, system and computer readable storage medium". The citation is incorporated in the application.
技术领域Technical field
本申请涉及金融技术领域,尤其涉及一种网银开通方法、设备、系统及计算机可读存储介质。The present application relates to the field of financial technologies, and in particular, to a method, device, system, and computer readable storage medium for online banking.
背景技术Background technique
目前,客户在办理银行业务时大多通过人工柜台进行办理,当客户需要办理网银开通业务时,现有的办理方式一种是通过去银行网点的柜台进行办理;另一种是通过在手机、平板电脑或个人电脑进行线下远程办理。第一种通过人工柜台的方式办理网银开通耗时较长,而且多数情况下客户需要等待较长时间才能排到自己去办理业务;第二种线下办理的方式存在一定的信息安全隐患,容易造成客户信息的泄露。At present, most of the clients handle the banking business through the manual counter. When the customer needs to handle the online banking opening business, the existing processing method is handled through the counter at the bank outlet; the other is through the mobile phone and tablet. Remote computer or PC for offline processing. The first way to open online banking through manual counters takes a long time, and in most cases, customers need to wait for a long time to go to their own business; the second offline method has certain information security risks, easy Resulting in the disclosure of customer information.
事实上,目前大多数银行网点都设有远程视频柜员机(Virtual Teller Machine,VTM)这种通过远程视频方式来办理一些柜台业务的机电一体化设备。因此,如何充分利用银行网点的现有VTM机缓解人工柜面的压力为客户办理网银开通业务,是一个亟待解决的问题。In fact, most bank outlets currently have remote video teller machines (Virtual Teller). Machine, VTM) This kind of mechatronics equipment that handles some counter services through remote video. Therefore, how to make full use of the existing VTM machines at the bank outlets to alleviate the pressure on the artificial counters for the customers to open the online banking business is an urgent problem to be solved.
上述内容仅用于辅助理解本申请的技术方案,并不代表承认上述内容是现有技术。The above content is only used to assist in understanding the technical solutions of the present application, and does not constitute an admission that the above is prior art.
发明内容Summary of the invention
本申请的主要目的在于提供了一种网银开通方法、设备、系统及计算机可读存储介质,旨在降低银行网点工作人员的业务办理压力,充分利用银行网点的设备资源,提高客户的网银开通业务办理体验。The main purpose of the present application is to provide a method, device, system and computer readable storage medium for opening a network, aiming at reducing the pressure on business operations of bank outlets, making full use of equipment resources of bank outlets, and improving the online banking opening service of customers. Handle the experience.
为实现上述目的,本申请提供了一种网银开通方法,所述方法包括以下步骤:To achieve the above objective, the present application provides a method for network banking opening, the method comprising the following steps:
远程视频柜员机响应于客户输入的网银开通指令,向服务器发送业务办理指令;The remote video teller machine sends a service processing instruction to the server in response to the online banking opening instruction input by the customer;
所述服务器响应于所述业务办理指令,为所述远程视频柜员机分配一处于空闲状态的目标柜员,并将所述业务办理指令发送至所述目标柜员对应的终端设备;Responding to the service processing instruction, the server assigns a target teller in an idle state to the remote video teller machine, and sends the service processing instruction to the terminal device corresponding to the target teller;
所述终端设备响应于所述业务办理指令,获取客户的身份信息,在所述身份信息验证通过时,生成银行卡信息读取请求,并将所述银行卡信息读取请求发送至所述远程视频柜员机;The terminal device acquires identity information of the client in response to the service processing instruction, generates a bank card information read request when the identity information is verified, and sends the bank card information read request to the remote Video teller machine;
所述远程视频柜员机响应于所述银行卡信息读取请求,展示银行卡信息输入提示,并将客户输入的银行卡信息发送至所述服务器;The remote video teller machine displays a bank card information input prompt in response to the bank card information reading request, and sends the bank card information input by the client to the server;
所述服务器对所述银行卡信息进行验证,在验证通过时,为所述银行卡信息对应的银行卡进行网银开通。The server verifies the bank card information, and when the verification is passed, the bank card is opened for the bank card corresponding to the bank card information.
此外,为实现上述目的,本申请还提出一种网银开通系统,所述系统包括:远程视频柜员机、服务器以及终端设备;In addition, to achieve the above object, the present application further provides an online banking opening system, the system comprising: a remote video teller machine, a server, and a terminal device;
其中,所述远程视频柜员机,用于响应于客户输入的网银开通指令,向所述服务器发送业务办理指令;The remote video teller machine is configured to send a service processing instruction to the server in response to an online banking opening instruction input by the client;
所述服务器,用于响应于所述业务办理指令,为所述远程视频柜员机分配一处于空闲状态的目标柜员,并将所述业务办理指令发送至所述目标柜员对应的终端设备;The server is configured to allocate a target teller in an idle state to the remote video teller machine in response to the service processing instruction, and send the service processing instruction to the terminal device corresponding to the target teller;
所述终端设备,用于响应于所述业务办理指令,获取客户的身份信息,在所述身份信息验证通过时,生成银行卡信息读取请求,并将所述银行卡信息读取请求发送至所述远程视频柜员机;The terminal device is configured to acquire identity information of the client in response to the service processing instruction, generate a bank card information read request when the identity information is verified, and send the bank card information read request to the The remote video teller machine;
所述远程视频柜员机,用于响应于所述银行卡信息读取请求,展示银行卡信息输入提示,并将客户输入的银行卡信息发送至所述服务器;The remote video teller machine is configured to display a bank card information input prompt in response to the bank card information reading request, and send the bank card information input by the client to the server;
所述服务器,用于对所述银行卡信息进行验证,在验证通过时,为所述银行卡信息对应的银行卡进行网银开通。The server is configured to verify the bank card information, and when the verification is passed, perform online banking for the bank card corresponding to the bank card information.
此外,为实现上述目的,本申请还提出一种网银开通设备,所述设备包括存储器、处理器及存储在所述存储器上并可在所述处理器上运行的网银开通程序,所述网银开通程序配置为实现如上文所述的网银开通方法的步骤。In addition, in order to achieve the above object, the present application further provides an online banking provisioning device, the device comprising a memory, a processor, and an online banking opening program stored on the memory and operable on the processor, the online banking opening The program is configured to implement the steps of the online banking provisioning method as described above.
此外,为实现上述目的,本申请还提出一种计算机可读存储介质,所述计算机可读存储介质上存储有网银开通程序,所述网银开通程序被处理器执行时实现如上文所述的网银开通方法的步骤。In addition, in order to achieve the above object, the present application further provides a computer readable storage medium, where the online banking opening program is stored, and the online banking opening program is executed by the processor to implement the online banking as described above. The steps to open the method.
本申请在客户需要办理网银开通业务时,通过远程视频柜员机来实现,能够降低银行网点工作人员的业务办理压力,充分利用银行网点的设备资源,避免了客户等待时间过长,在保证客户信息安全性的同时,提高了客户体验。This application is realized by the remote video teller machine when the customer needs to handle the online banking opening business, which can reduce the pressure on the business handling of the bank outlet staff, fully utilize the equipment resources of the bank outlets, avoid the long waiting time of the customer, and ensure the security of the customer information. At the same time, the customer experience is improved.
附图说明DRAWINGS
图1为本申请网银开通方法第一实施例的流程示意图;1 is a schematic flow chart of a first embodiment of a method for opening an online banking according to the present application;
图2为本申请网银开通方法第二实施例的流程示意图;2 is a schematic flow chart of a second embodiment of a method for opening a network silver in the present application;
图3为本申请网银开通方法第三实施例的流程示意图;3 is a schematic flow chart of a third embodiment of a method for opening a network silver in the present application;
图4为本申请网银开通方法第四实施例的流程示意图;4 is a schematic flow chart of a fourth embodiment of a method for opening a network of silver in the present application;
图5为本申请网银开通系统第一实施例的结构框图。FIG. 5 is a structural block diagram of a first embodiment of the online banking opening system of the present application.
本申请目的的实现、功能特点及优点将结合实施例,参照附图做进一步说明。The implementation, functional features and advantages of the present application will be further described with reference to the accompanying drawings.
具体实施方式Detailed ways
应当理解,此处所描述的具体实施例仅用以解释本申请,并不用于限定本申请。It is understood that the specific embodiments described herein are merely illustrative of the application and are not intended to be limiting.
参照图1,图1为本申请网银开通方法第一实施例的流程示意图。Referring to FIG. 1, FIG. 1 is a schematic flowchart of a first embodiment of a method for opening a network of silver in the present application.
如图1所示,本实施例中,所述方法包括以下步骤:As shown in FIG. 1 , in this embodiment, the method includes the following steps:
步骤S10:远程视频柜员机响应于客户输入的网银开通指令,向服务器发送业务办理指令;Step S10: The remote video teller machine sends a service processing instruction to the server in response to the online banking opening instruction input by the client;
需要说明的是,本实施例中,所述远程视频柜员机可以是一种通过远程视频方式来办理一些柜台业务的机电一体化设备,多应用在银行、小贷公司等金融系统。所述服务器可以是与远程视频柜员机(以下简称VTM)连接并进行数据信息交互的网络服务器。It should be noted that, in this embodiment, the remote video teller machine may be a mechatronics device that handles some counter services through a remote video method, and is applied to financial systems such as banks and small loan companies. The server may be a web server connected to a remote video teller machine (hereinafter referred to as VTM) and interacting with data information.
在具体实现中,为便于客户进行业务触发,在VTM的显示界面中,一般会设置不同业务的触发按钮,在客户需要办理网银开通业务时,可在VTM的显示界面中通过触摸屏点击网银开通对应的触发按钮,VTM响应于客户输入的网银开通指令,向服务器发送业务办理指令。In the specific implementation, in order to facilitate the customer to trigger the service, in the VTM display interface, the trigger button of different services is generally set. When the customer needs to handle the online banking opening service, the corresponding interface can be clicked through the touch screen in the VTM display interface. The trigger button, VTM sends a business processing instruction to the server in response to the online banking opening instruction input by the client.
步骤S20:所述服务器响应于所述信用卡办理指令,为所述远程视频柜员机分配一处于空闲状态的目标柜员,并将所述业务办理指令发送至所述目标柜员对应的终端设备;Step S20: The server sends a target teller in an idle state to the remote video teller machine in response to the credit card processing instruction, and sends the service processing instruction to the terminal device corresponding to the target teller;
可理解的是,所述服务器在接收到VTM发送的业务办理指令后,响应于该业务办理指令,并为该VTM分配一个处于空闲状态的目标柜员,为当前使用VTM的客户办理相关业务。本实施例中,所述目标柜员可以是所述服务器从当前时刻处于空闲状态的柜员中随机选择的目标柜员,也可以通过获取处于空闲状态的柜员的用户满意度;按从高到低的顺序对所述用户满意度进行排序,根据排序结果确定的目标柜员并将所述目标柜员分配至VTM,当然还可以是其他的柜员分配方式,本实施例对此不加以限制。It can be understood that, after receiving the service processing instruction sent by the VTM, the server responds to the service processing instruction, and allocates a target teller in the idle state to the VTM to handle related services for the current VTM customer. In this embodiment, the target teller may be a target teller randomly selected by the server from the teller who is in the idle state at the current moment, or may obtain the user satisfaction of the teller in the idle state; in descending order The user satisfaction is sorted, the target teller determined according to the sorting result, and the target teller is assigned to the VTM, and of course, other teller allocation modes are also not limited in this embodiment.
在具体实现中,在确定目标柜员后,所述服务器将所述业务办理指令发送至该目标柜员对应的终端设备。In a specific implementation, after determining the target teller, the server sends the service processing instruction to the terminal device corresponding to the target teller.
步骤S30:所述终端设备响应于所述业务办理指令,获取客户的身份信息,在所述身份信息验证通过时,生成银行卡信息读取请求,并将所述银行卡信息读取请求发送至所述远程视频柜员机;Step S30: The terminal device acquires identity information of the client in response to the service processing instruction, generates a bank card information read request when the identity information is verified, and sends the bank card information read request to the The remote video teller machine;
需要说明的是,所述终端设备可以是银行柜员或坐席进行业务办理的操作平台,例如个人电脑、笔记本电脑等,本实施例对此不加以限制。It should be noted that the terminal device may be an operation platform for a bank teller or an agent to perform business processing, such as a personal computer, a notebook computer, etc., which is not limited in this embodiment.
进一步地,为了提高柜员的工作效率,该目标柜员对应的终端设备在接收到业务指令(例如,网银开通指令)后,会根据所述业务办理指令进入网银开通的业务界面,而无需询问客户后再进入到该业务界面。在所述终端设备进入到业务界面后,所述目标柜员通过在所述终端设备上点选身份验证选项生成身份信息验证请求,并将所述身份信息验证请求发送至VTM,由VTM来采集并反馈客户的身份信息。Further, in order to improve the work efficiency of the teller, after receiving the service instruction (for example, the online banking opening instruction), the terminal device corresponding to the target teller enters the service interface opened by the online banking according to the service processing instruction, without consulting the customer. Then enter the business interface. After the terminal device enters the service interface, the target teller generates an identity information verification request by clicking an identity verification option on the terminal device, and sends the identity information verification request to the VTM, which is collected by the VTM. Feedback customer identity information.
可理解的是,为了对客户的身份信息进行验证,VTM在接收到所述身份信息验证请求时,在显示界面提示客户进行身份信息的输入,所述身份信息可以是能够证明客户个人身份的信息,例如证件(身份证)信息、生物特征信息(指纹、虹膜、声纹)、和/或影像信息等。It can be understood that, in order to verify the identity information of the client, the VTM prompts the client to input the identity information on the display interface when receiving the identity information verification request, and the identity information may be information capable of proving the personal identity of the client. For example, ID (ID) information, biometric information (fingerprint, iris, voiceprint), and/or image information.
在具体实现中,VTM可通过自身集成的信息读取装置来对客户的身份信息进行录入,所述信息读取装置可包括:指纹/虹膜识别仪、证件读取器、摄像头、高拍仪等,本实施例对此不加以限制。In a specific implementation, the VTM can input the identity information of the client through the integrated information reading device, and the information reading device can include: a fingerprint/iris identifier, a document reader, a camera, a Gao Paiyi, etc. This embodiment does not limit this.
可理解的是,VTM在对录入的身份信息进行验证时,可以在本地进行验证,也可以将录入的身份信息发送至所述服务器,由所述服务器进行验证,然后再反馈验证结果至VTM。具体的,由服务器进行验证时,所述服务器可将录入的身份信息发送至公安系统,所述公安系统将系统内预存的该客户的身份信息与服务器发送的身份信息进行比对验证;在验证成功时,反馈与所述身份信息对应的客户照片至VTM;当然,所述公安系统对证件信息验证不通过时,会反馈验证不通过的提醒信息至VTM。It can be understood that when the VTM verifies the entered identity information, it can be verified locally, or the entered identity information can be sent to the server, verified by the server, and then the verification result is fed back to the VTM. Specifically, when the server performs verification, the server may send the entered identity information to the public security system, and the public security system compares the identity information of the client pre-stored in the system with the identity information sent by the server; Upon success, the customer photo corresponding to the identity information is fed back to the VTM; of course, when the public security system fails to pass the verification of the document information, the reminder information that fails to pass the verification is fed back to the VTM.
在具体实现中,所述终端设备在获取到客户的身份信息后,会对所述身份信息进行验证,具体的验证方式可以是:将所述身份信息发送至公安系统进行联网验证,在联网验证通过时,由所述目标柜员通过所述终端设备确认验证通过并生成银行卡信息读取请求,然后将所述银行卡信息读取请求发送至VTM。In a specific implementation, after obtaining the identity information of the client, the terminal device performs verification on the identity information, and the specific verification manner may be: sending the identity information to the public security system for network verification, and verifying in the network. Upon passing, the target teller confirms the verification by the terminal device and generates a bank card information read request, and then transmits the bank card information read request to the VTM.
步骤S40:所述远程视频柜员机响应于所述银行卡信息读取请求,展示银行卡信息输入提示,并将客户输入的银行卡信息发送至所述服务器;Step S40: The remote video teller machine displays a bank card information input prompt in response to the bank card information reading request, and sends the bank card information input by the client to the server;
需要说明的是,所述银行卡信息可包括:待开通网银的银行卡账户信息,例如:银行卡卡号和密码信息。其中,所述展示银行卡信息输入提示可以是在VTM显示界面上展示预先设定的类似于“请插入银行卡”、“请输入密码”等提示,具体的提示方式可以是文字、图表、语音或三者任意组合的提示方式,本实施例对此不加以限制。It should be noted that the bank card information may include: bank card account information of the online banking to be opened, for example, a bank card number and password information. The display bank card information input prompt may be displayed on the VTM display interface, and the preset prompts such as “please insert bank card” and “please input password” may be displayed, and the specific prompt manner may be text, chart, voice. The manner of prompting any combination of the three is not limited in this embodiment.
VTM在接收到所述终端设备发送的银行卡信息读取请求时,响应于所述银行卡信息读取请求,并展示银行卡信息输入提示,在接收到客户输入的银行卡信息时,将所述银行卡信息发送至所述服务器。When receiving the bank card information reading request sent by the terminal device, the VTM responds to the bank card information reading request, and displays a bank card information input prompt, and when receiving the bank card information input by the client, The bank card information is sent to the server.
步骤S50:所述服务器对所述银行卡信息进行验证,在验证通过时,为所述银行卡信息对应的银行卡进行网银开通。Step S50: The server verifies the bank card information, and when the verification is passed, the bank card is opened for the bank card corresponding to the bank card information.
所述服务器在获取到VTM发送的银行卡信息时,对所述银行卡信息进行验证,具体的验证过程可以是,所述服务器根据银行卡信息中包含的卡号及密码信息,在服务器对应的数据库中查找该卡号对应的客户预设的密码,然后将查找到的密码与客户输入的密码进行比对验证,在验证通过时,为所述银行卡信息对应的银行卡进行网银开通。When the server obtains the bank card information sent by the VTM, the server verifies the bank card information, and the specific verification process may be: the server corresponding to the server corresponding database according to the card number and password information included in the bank card information. The password of the customer preset corresponding to the card number is searched, and then the found password is compared with the password input by the customer. When the verification is passed, the bank card corresponding to the bank card information is opened for online banking.
本实施例在客户需要办理网银开通业务时,通过远程视频柜员机来实现,能够降低银行网点工作人员的业务办理压力,充分利用银行网点的设备资源,避免了客户等待时间过长,在保证客户信息安全性的同时,提高了客户体验。This embodiment is realized by the remote video teller machine when the customer needs to handle the online banking opening service, which can reduce the pressure on the business handling of the bank outlet staff, fully utilize the equipment resources of the bank outlet, avoid the customer waiting time is too long, and ensure the customer information. Security also enhances the customer experience.
参考图2,图2为本申请网银开通方法第二实施例的流程示意图。Referring to FIG. 2, FIG. 2 is a schematic flowchart diagram of a second embodiment of a method for opening a network of silver in the present application.
基于上述第一实施例,本实施例提出的网银开通方法中,所述步骤S50可具体包括:Based on the foregoing first embodiment, in the method for performing the online banking in the embodiment, the step S50 may specifically include:
步骤S501:所述服务器对所述银行卡信息进行验证,在验证通过时,获取所述客户对应的账户信息,并将所述账户信息发送至所述终端设备;Step S501: The server verifies the bank card information, and when the verification passes, acquires account information corresponding to the client, and sends the account information to the terminal device;
需要说明的是,所述账户信息可包括:卡号、账号、户主、身份证号、账号开通时预留的手机号码等信息。当然,本实施例对所述账户信息的具体种类不做限制。It should be noted that the account information may include: a card number, an account number, a head of the household, an ID card number, and a mobile phone number reserved when the account is opened. Of course, this embodiment does not limit the specific type of the account information.
在具体实现中,所述服务器在对所述银行卡信息验证通过后,可从数据库中获取与客户输入的银行卡信息对应的账户信息,并将所述账户信息发送至所述终端设备,以使所述终端设备对客户的账户信息进行展示。In a specific implementation, after the server verifies the bank card information, the server may obtain account information corresponding to the bank card information input by the client from the database, and send the account information to the terminal device to The terminal device is caused to display the account information of the client.
步骤S502:所述终端设备接收所述账户信息,对所述账户信息进行展示,在接收到所述目标柜员输入的核对完成指令时,向所述远程视频柜员机发送信息采集指令;Step S502: The terminal device receives the account information, displays the account information, and sends an information collection instruction to the remote video teller when receiving the verification completion instruction input by the target teller;
在具体实现中,当目标柜员的终端设备接收到客户的账户信息时,对所述账户信息进行展示,由所述目标柜员进行核对,在接收到所述目标柜员输入的核对完成指令时,向VTM发送信息采集指令。In a specific implementation, when the terminal device of the target teller receives the account information of the client, the account information is displayed, and the target teller performs verification, and when receiving the verification completion instruction input by the target teller, The VTM sends an information collection instruction.
步骤S503:所述远程视频柜员机响应于所述信息采集指令,对所述客户进行信息采集,并将采集到的当前客户信息发送至所述服务器;Step S503: The remote video teller machine collects information from the client in response to the information collection instruction, and sends the collected current customer information to the server;
需要说明的是,VTM上一般会集成有对客户的信息或资料进行扫描的扫描装置,例如高拍仪。本实施例中所述当前客户信息可包括客户的证件信息,例如:二代身份证信息,具体的信息采集方式可以是提示客户将待扫描的证件放置于扫描区域,通过VTM上的高拍仪扫描待扫描证件的正反面信息,然后将扫描到的证件信息(即所述当前客户信息)发送至所述服务器。It should be noted that the VTM generally integrates a scanning device that scans information or data of the customer, such as a Gao Paiyi. The current customer information in this embodiment may include the customer's ID information, for example, the second-generation ID card information. The specific information collection method may be to prompt the customer to place the to-be-scanned document in the scanning area, and pass the high-spot meter on the VTM. The front and back information of the to-be-scanned document is scanned, and then the scanned document information (ie, the current customer information) is sent to the server.
在具体实现中,所述远程视频柜员机响应于所述信息采集指令,展示证件信息扫描提示;对预设扫描区域进行扫描,采集客户证件信息;在获取到所述客户证件信息之后,展示手机号码输入提示,并接收客户输入的手机号码;然后将所述远程视频柜员机和所述手机号码作为所述当前客户信息发送至所述服务器。In a specific implementation, the remote video teller machine displays a document information scanning prompt in response to the information collection instruction; scans a preset scanning area, collects client identification information; and displays the mobile phone number after obtaining the customer identification information Entering a prompt and receiving a mobile phone number entered by the customer; then transmitting the remote video teller machine and the mobile phone number as the current customer information to the server.
步骤S504:所述服务器获取所述当前客户信息,对所述当前客户信息进行保存,并为所述银行卡信息对应的银行卡进行网银开通。Step S504: The server acquires the current customer information, saves the current customer information, and performs online banking for the bank card corresponding to the bank card information.
在本步骤中,所述服务器在获取到VTM发送的当前客户信息后,会所述当前客户信息进行保存,所述服务器在对所述当前客户信息进行保存后,所述目标柜员可以通过向VTM发送界面共享指令,实现与VTM显示界面的远程共享,也就是说,此时所述目标柜员可以看到VTM的显示界面,以便随时和客户沟通,保证网银开通的顺利进行。当然,VTM显示界面的远程共享的发起方可以是客户,也可以是目标柜员,且具体的共享时机可以由客户决定,也可以由目标柜员决定;考虑到客户信息的安全性,远程视频共享界面会在客户输入与网银开通相关的,如密码、验证码等信息时关闭,以保证客户财产安全。In this step, after the server obtains the current customer information sent by the VTM, the current customer information is saved, and after the server saves the current customer information, the target teller may pass to the VTM. Send interface sharing instructions to achieve remote sharing with the VTM display interface. That is to say, the target teller can see the VTM display interface at this time, so as to communicate with the customer at any time to ensure the smooth opening of the online banking. Of course, the initiator of the remote sharing of the VTM display interface may be a client or a target teller, and the specific sharing timing may be determined by the client or determined by the target teller; considering the security of the customer information, the remote video sharing interface It will be closed when the customer input is related to the opening of the online banking, such as passwords, verification codes, etc., to ensure the security of the customer's property.
在具体实现中,所述服务器在对所述当前客户信息进行保存后,为所述银行卡信息对应的银行卡进行网银开通。In a specific implementation, after the server saves the current customer information, the server performs online banking for the bank card corresponding to the bank card information.
本实施例服务器在对客户的银行卡信息验证通过后,根据所述银行卡信息获取客户的账户信息,然后通过目标柜员对账户信息进行核对,在核对通过时,通过远程视频柜员机采集客户的当前客户信息,并在对所述当前客户信息进行保存后,为客户开通网银,有效的提高了客户的业务办理体验。After verifying the bank card information of the customer, the server of the embodiment obtains the account information of the client according to the bank card information, and then checks the account information through the target teller, and collects the current client's current through the remote video teller machine when the verification is passed. After the customer information is saved, the online banking is opened for the customer, which effectively improves the customer's business handling experience.
参考图3,图3为本申请网银开通方法第三实施例的流程示意图。Referring to FIG. 3, FIG. 3 is a schematic flowchart of a third embodiment of a method for opening a network of silver in the present application.
基于上述各实施例,本实施例提出的网银开通方法中,所述步骤S504可具体包括:Based on the foregoing embodiments, in the method for performing the online banking in the embodiment, the step S504 may specifically include:
步骤S5041:所述服务器接收所述当前客户信息,对所述当前客户信息进行保存,并根据所述当前客户信息确定目标手机号码;Step S5041: The server receives the current customer information, saves the current customer information, and determines a target mobile phone number according to the current customer information;
在本步骤中,所述服务器在接收到所述当前客户信息后,对所述当前客户信息进行保存,并从所述当前客户信息中提取出客户输入的手机号码(即所述目标手机号码)。In this step, after receiving the current customer information, the server saves the current customer information, and extracts the mobile phone number input by the customer (ie, the target mobile phone number) from the current customer information. .
步骤S5042:所述服务器根据预设算法生成与所述目标手机号码对应的动态验证码,并将所述动态验证码发送至所述客户的移动终端;Step S5042: The server generates a dynamic verification code corresponding to the target mobile phone number according to a preset algorithm, and sends the dynamic verification code to the mobile terminal of the client.
需要说明的是,所述预设算法可以是能够随机或按一定预设规则生成验证码的算法,例如:哈希算法、消息摘要算法等,当然也可以是其他算法或规则,本实施例对此不加以限制。所述移动终端可以是与所述目标手机号码绑定或关联的用户设备,例如:手机、平板电脑或智能手环等。It should be noted that the preset algorithm may be an algorithm that can generate a verification code randomly or according to a certain preset rule, for example, a hash algorithm, a message digest algorithm, etc., and of course, other algorithms or rules. This is not limited. The mobile terminal may be a user equipment that is bound or associated with the target mobile phone number, such as a mobile phone, a tablet or a smart bracelet.
在具体实现中,所述服务器在确定目标手机号码后,可根据预设算法生成与所述目标手机号码对应的动态验证码,然后将所述动态验证码发送至所述客户的移动终端。In a specific implementation, after determining the target mobile phone number, the server may generate a dynamic verification code corresponding to the target mobile phone number according to a preset algorithm, and then send the dynamic verification code to the mobile terminal of the client.
步骤S5043:所述远程视频柜员机接收用户输入的当前动态验证码,将所述当前动态验证码发送至所述服务器;Step S5043: The remote video teller machine receives the current dynamic verification code input by the user, and sends the current dynamic verification code to the server;
在具体实现中,所述远程视频柜员机通过显示界面展示动态验证码输入提示,在接收到客户输入的动态验证码时,可将所述动态验证码发送至所述服务器进行验证,当然对动态验证码的验证过程也可以在VTM本地进行,本实施例对此不作限制。In a specific implementation, the remote video teller machine displays a dynamic verification code input prompt through a display interface, and when receiving the dynamic verification code input by the client, the dynamic verification code may be sent to the server for verification, and of course, the dynamic verification The verification process of the code can also be performed locally in the VTM, which is not limited in this embodiment.
步骤S5044:所述服务器对所述当前动态验证码进行验证,在验证通过时,向所述远程视频柜员机发送授权请求;Step S5044: The server verifies the current dynamic verification code, and sends an authorization request to the remote video teller when the verification passes;
应理解的是,所述服务器在获取到客户输入的当前动态验证码时,会对所述当前动态验证码进行验证,在验证通过时,向所述远程视频柜员机发送授权请求。其中,所述授权请求主要是用于请求银行的工作人员,例如:大堂经理对客户进行现场授权。It should be understood that, when the server obtains the current dynamic verification code input by the client, the current dynamic verification code is verified, and when the verification is passed, an authorization request is sent to the remote video teller. The authorization request is mainly used to request a bank staff, for example, the lobby manager performs on-site authorization for the customer.
步骤S5045:所述远程视频柜员机响应于所述授权请求,展示授权确认提示,在接收到银行工作人员输入的授权信息时,将所述授权信息发送至所述服务器;Step S5045: The remote video teller machine displays an authorization confirmation prompt in response to the authorization request, and sends the authorization information to the server when receiving the authorization information input by the bank staff;
需要说明的是,在本实施例中,所述授权信息包括银行工作人员的指纹信息和/或授权码。VTM响应于服务器发送的授权请求,并在显示界面上展示授权确认提示,在接收到银行工作人员输入的所述指纹信息和/或授权码时,将所述指纹信息和/或授权码发送至所述服务器,以使所述服务器对所述指纹信息和/或授权码进行验证。It should be noted that, in this embodiment, the authorization information includes fingerprint information and/or an authorization code of the bank staff. The VTM responds to the authorization request sent by the server, and displays an authorization confirmation prompt on the display interface. When receiving the fingerprint information and/or the authorization code input by the bank staff, the VTM sends the fingerprint information and/or the authorization code to the The server, to enable the server to verify the fingerprint information and/or the authorization code.
步骤S5046:所述服务器接收所述授权信息,并根据所述授权信息为所述银行卡信息对应的银行卡进行网银开通。Step S5046: The server receives the authorization information, and performs online banking for the bank card corresponding to the bank card information according to the authorization information.
在本步骤中,所述服务器在接收到银行工作人员输入的授权信息时,对所述指纹信息和/或授权码进行验证,验证通过后,为所述银行卡信息对应的银行卡进行网银开通。In this step, when receiving the authorization information input by the bank staff, the server verifies the fingerprint information and/or the authorization code, and after the verification is passed, the bank card is opened for the bank card corresponding to the bank card information. .
参考图4,图4为本申请网银开通方法第四实施例的流程示意图。Referring to FIG. 4, FIG. 4 is a schematic flowchart of a fourth embodiment of a method for opening a network of silver in the present application.
基于上述各实施例,本实施例在所述步骤S5045之后,所述方法还包括:Based on the foregoing embodiments, after the step S5045, the method further includes:
步骤S5047:所述远程视频柜员机展示指纹录入提示,采集按压在预设采集区域的手指对应的指纹信息;Step S5047: the remote video teller displays a fingerprint entry prompt, and collects fingerprint information corresponding to the finger pressed in the preset collection area;
在具体实现中,VTM在将银行工作人员输入的授权信息发送至服务器后,会在显示界面展示指纹录入提示,并通过自身集成的指纹采集装置采集按压在预设采集区域的手指对应的指纹信息。In a specific implementation, after the VTM sends the authorization information input by the bank staff to the server, the fingerprint display prompt is displayed on the display interface, and the fingerprint information corresponding to the finger pressed in the preset collection area is collected by the integrated fingerprint collection device. .
步骤S5048:所述远程视频柜员机根据所述指纹信息生成指纹图片,并将所述指纹图片发送至所述服务器;Step S5048: The remote video teller machine generates a fingerprint picture according to the fingerprint information, and sends the fingerprint picture to the server;
为了保证采集到的客户的指纹信息能够具有较高的辨识度,在本实施例中,VTM可根据所述指纹信息生成指纹图片,对所述指纹图片进行指纹特征提取,获取指纹图像;然后检测所述指纹图像在所述指纹图片中的占比是否超过预设占比,在超过所述预设占比时,将所述指纹图片发送至所述服务器。其中,所述预设占比可根据实际情况或历史经验进行设定,例如:70%、80%或以上,本实施例对此不做限制。In this embodiment, the VTM may generate a fingerprint image according to the fingerprint information, perform fingerprint feature extraction on the fingerprint image, and acquire a fingerprint image; and then detect the fingerprint information of the collected client. Whether the proportion of the fingerprint image in the fingerprint picture exceeds a preset proportion, and when the preset ratio is exceeded, the fingerprint picture is sent to the server. The preset ratio may be set according to actual conditions or historical experience, for example, 70%, 80% or more, which is not limited in this embodiment.
此外,本申请实施例还提供一种网银开通设备,所述设备包括存储器、处理器及存储在所述存储器上并可在所述处理器上运行的网银开通程序,所述网银开通程序配置为实现如上实施例所述的网银开通方法的步骤。In addition, the embodiment of the present application further provides an online banking provisioning device, where the device includes a memory, a processor, and an online banking opening program stored on the memory and operable on the processor, where the online banking opening program is configured as The steps of the online banking opening method described in the above embodiments are implemented.
此外,本申请实施例还提供一种计算机可读存储介质,所述计算机可读存储介质上存储有网银开通程序,所述网银开通程序被处理器执行时实现如上实施例所述的网银开通方法的步骤。In addition, the embodiment of the present application further provides a computer readable storage medium, where the network readable storage medium stores an online banking opening program, and the online banking opening program is executed by the processor to implement the online banking opening method according to the above embodiment. A step of.
参考图5,图5为本申请网银开通系统第一实施例的结构框图。Referring to FIG. 5, FIG. 5 is a structural block diagram of a first embodiment of a network banking opening system according to the present application.
如图5所示,本实施例提出的网银开通系统包括:远程视频柜员机101、服务器102以及终端设备103;As shown in FIG. 5, the online banking opening system proposed in this embodiment includes: a remote video teller machine 101, a server 102, and a terminal device 103;
其中,所述远程视频柜员机101,用于响应于客户输入的网银开通指令,向所述服务器102发送业务办理指令;The remote video teller machine 101 is configured to send a service processing instruction to the server 102 in response to an online banking opening instruction input by the client;
在具体实现中,为便于客户进行业务触发,在VTM的显示界面中,一般会设置不同业务的触发按钮,在客户需要办理网银开通业务时,可在VTM的显示界面中通过触摸屏点击网银开通对应的触发按钮,VTM响应于客户输入的网银开通指令,向服务器发送业务办理指令。In the specific implementation, in order to facilitate the customer to trigger the service, in the VTM display interface, the trigger button of different services is generally set. When the customer needs to handle the online banking opening service, the corresponding interface can be clicked through the touch screen in the VTM display interface. The trigger button, VTM sends a business processing instruction to the server in response to the online banking opening instruction input by the client.
所述服务器102,用于响应于所述业务办理指令,为所述远程视频柜员机101分配一处于空闲状态的目标柜员,并将所述业务办理指令发送至所述目标柜员对应的终端设备103;The server 102 is configured to allocate a target teller in an idle state to the remote video teller 101 in response to the service processing instruction, and send the service processing instruction to the terminal device 103 corresponding to the target teller;
可理解的是,所述服务器102在接收到VTM发送的业务办理指令后,响应于该业务办理指令,并为该VTM分配一个处于空闲状态的目标柜员,为当前使用VTM的客户办理相关业务。本实施例中,所述目标柜员可以是从当前时刻处于空闲状态的柜员中随机选择一个柜员进行分配,也可以获取处于空闲状态的柜员的用户满意度;按从高到低的顺序对所述用户满意度进行排序,根据排序结果确定目标柜员,并将所述目标柜员分配至VTM,当然还可以是其他的分配方式,本实施例对此不加以限制。It can be understood that, after receiving the service processing instruction sent by the VTM, the server 102 responds to the service processing instruction, and allocates a target teller in the idle state to the VTM to handle related services for the current VTM customer. In this embodiment, the target teller may randomly select a teller from the tellers who are in the idle state at the current moment to perform the allocation, and may also obtain the user satisfaction of the tellers in the idle state; in the order from high to low The user satisfaction is sorted, the target teller is determined according to the sorting result, and the target teller is assigned to the VTM, and of course, other distribution modes are also used, which is not limited in this embodiment.
所述终端设备103,用于响应于所述业务办理指令,获取客户的身份信息,在所述身份信息验证通过时,生成银行卡信息读取请求,并将所述银行卡信息读取请求发送至所述远程视频柜员机101;The terminal device 103 is configured to acquire identity information of the client in response to the service processing instruction, generate a bank card information read request when the identity information is verified, and send the bank card information read request To the remote video teller machine 101;
在具体实现中,VTM可通过自身集成的信息读取装置来对客户的身份信息进行录入,所述信息读取装置可包括:指纹/虹膜识别仪、证件读取器、摄像头等,本实施例对此不加以限制。In a specific implementation, the VTM can input the identity information of the client by using an integrated information reading device, and the information reading device can include: a fingerprint/iris identifier, a document reader, a camera, etc., this embodiment There is no restriction on this.
所述远程视频柜员机101,用于响应于所述银行卡信息读取请求,展示银行卡信息输入提示,并将客户输入的银行卡信息发送至所述服务器102;The remote video teller machine 101 is configured to display a bank card information input prompt in response to the bank card information reading request, and send the bank card information input by the client to the server 102;
在具体实现中,VTM在接收到所述终端设备103发送的银行卡信息读取请求时,响应于所述银行卡信息读取请求,并展示银行卡信息输入提示,在接收到客户输入的银行卡信息时,将所述银行卡信息发送至所述服务器102。In a specific implementation, when receiving the bank card information reading request sent by the terminal device 103, the VTM responds to the bank card information reading request, and displays the bank card information input prompt, and receives the bank input from the client. The card information is sent to the server 102 when the card information is present.
所述服务器102,还用于对所述银行卡信息进行验证,在验证通过时,为所述银行卡信息对应的银行卡进行网银开通。The server 102 is further configured to verify the bank card information, and when the verification is passed, perform online banking for the bank card corresponding to the bank card information.
在具体实现中,所述服务器102在获取到VTM发送的银行卡信息时,对所述银行卡信息进行验证,具体的验证过程可以是,所述服务器102根据银行卡信息中包含的卡号及密码信息,在服务器102对应的数据库中查找该卡号对应的客户预设的密码,然后将查找到的密码与客户输入的密码进行比对验证,在验证通过时,为所述银行卡信息对应的银行卡进行网银开通。In a specific implementation, the server 102 performs verification on the bank card information when the bank card information sent by the VTM is obtained. The specific verification process may be: the server 102 according to the card number and password included in the bank card information. The information is searched in the database corresponding to the server 102, and the password preset by the customer corresponding to the card number is searched, and then the found password is compared with the password input by the client. When the verification is passed, the bank corresponding to the bank card information is used. The card is opened for online banking.
本实施例在客户需要办理网银开通业务时,通过远程视频柜员机来实现,能够降低银行网点工作人员的业务办理压力,充分利用银行网点的设备资源,避免了客户等待时间过长,在保证客户信息安全性的同时,提高了客户体验。This embodiment is realized by the remote video teller machine when the customer needs to handle the online banking opening service, which can reduce the pressure on the business handling of the bank outlet staff, fully utilize the equipment resources of the bank outlet, avoid the customer waiting time is too long, and ensure the customer information. Security also enhances the customer experience.
本申请网银开通系统的其他实施例或具体实现方式可参照上述各方法实施例,此处不再赘述。For other embodiments and specific implementation manners of the online banking opening system of the present application, reference may be made to the foregoing method embodiments, and details are not described herein again.
需要说明的是,在本文中,术语“包括”、“包含”或者其任何其它变体意在涵盖非排他性的包含,从而使得包括一系列要素的过程、方法、物品或者系统不仅包括那些要素,而且还包括没有明确列出的其它要素,或者是还包括为这种过程、方法、物品或者系统所固有的要素。在没有更多限制的情况下,由语句“包括一个……”限定的要素,并不排除在包括该要素的过程、方法、物品或者系统中还存在另外的相同要素。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 system that comprises a plurality of elements includes not only those elements. It also includes other elements that are not explicitly listed, or elements that are inherent to such a process, method, item, or system. An element defined by the phrase "comprising a ..." does not exclude the presence of additional equivalent elements in a process, method, article, or system that includes the element, without further limitation.
上述本申请实施例序号仅仅为了描述,不代表实施例的优劣。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.
通过以上的实施方式的描述,本领域的技术人员可以清楚地了解到上述实施例方法可借助软件加必需的通用硬件平台的方式来实现,当然也可以通过硬件,但很多情况下前者是更佳的实施方式。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. Implementation.
以上仅为本申请的优选实施例,并非因此限制本申请的专利范围,凡是利用本申请说明书及附图内容所作的等效结构或等效流程变换,或直接或间接运用在其它相关的技术领域,均同理包括在本申请的专利保护范围内。The above is only a preferred embodiment of the present application, and thus does not limit the scope of the patent application, and the equivalent structure or equivalent process transformation made by the specification and the drawings of the present application, or directly or indirectly applied to other related technical fields. The same is included in the scope of patent protection of this application.

Claims (18)

  1. 一种网银开通方法,其中,所述方法包括: An online banking opening method, wherein the method comprises:
    远程视频柜员机响应于客户输入的网银开通指令,向服务器发送业务办理指令;The remote video teller machine sends a service processing instruction to the server in response to the online banking opening instruction input by the customer;
    所述服务器响应于所述业务办理指令,为所述远程视频柜员机分配一处于空闲状态的目标柜员,并将所述业务办理指令发送至所述目标柜员对应的终端设备;Responding to the service processing instruction, the server assigns a target teller in an idle state to the remote video teller machine, and sends the service processing instruction to the terminal device corresponding to the target teller;
    所述终端设备响应于所述业务办理指令,获取客户的身份信息,在所述身份信息验证通过时,生成银行卡信息读取请求,并将所述银行卡信息读取请求发送至所述远程视频柜员机;The terminal device acquires identity information of the client in response to the service processing instruction, generates a bank card information read request when the identity information is verified, and sends the bank card information read request to the remote Video teller machine;
    所述远程视频柜员机响应于所述银行卡信息读取请求,展示银行卡信息输入提示,并将客户输入的银行卡信息发送至所述服务器;The remote video teller machine displays a bank card information input prompt in response to the bank card information reading request, and sends the bank card information input by the client to the server;
    所述服务器对所述银行卡信息进行验证,在验证通过时,为所述银行卡信息对应的银行卡进行网银开通。The server verifies the bank card information, and when the verification is passed, the bank card is opened for the bank card corresponding to the bank card information.
  2. 如权利要求1所述的方法,其中,所述服务器对所述银行卡信息进行验证,在验证通过时,为所述银行卡信息对应的银行卡进行网银开通,具体包括:The method of claim 1, wherein the server verifies the bank card information, and when the verification is passed, the bank card is opened for the bank card corresponding to the bank card information, and specifically includes:
    所述服务器对所述银行卡信息进行验证,在验证通过时,获取所述客户对应的账户信息,并将所述账户信息发送至所述终端设备;The server verifies the bank card information, and when the verification passes, acquires account information corresponding to the client, and sends the account information to the terminal device;
    所述终端设备接收所述账户信息,对所述账户信息进行展示,在接收到所述目标柜员输入的核对完成指令时,向所述远程视频柜员机发送信息采集指令;Receiving, by the terminal device, the account information, displaying the account information, and sending an information collection instruction to the remote video teller when receiving the verification completion instruction input by the target teller;
    所述远程视频柜员机响应于所述信息采集指令,对所述客户进行信息采集,并将采集到的当前客户信息发送至所述服务器;The remote video teller machine collects information from the customer in response to the information collection instruction, and sends the collected current customer information to the server;
    所述服务器获取所述当前客户信息,对所述当前客户信息进行保存,并为所述银行卡信息对应的银行卡进行网银开通。The server acquires the current customer information, saves the current customer information, and performs online banking for the bank card corresponding to the bank card information.
  3. 如权利要求2所述的方法,其中,所述远程视频柜员机响应于所述信息采集指令,对所述客户进行信息采集,并将采集到的当前客户信息发送至所述服务器,具体包括:The method of claim 2, wherein the remote video teller machine collects information from the client in response to the information collection instruction, and sends the collected current customer information to the server, which specifically includes:
    所述远程视频柜员机响应于所述信息采集指令,展示证件信息扫描提示;The remote video teller machine displays a document information scanning prompt in response to the information collection instruction;
    所述远程视频柜员机对预设扫描区域进行扫描,采集客户证件信息;The remote video teller machine scans the preset scanning area to collect customer identification information;
    所述远程视频柜员机在获取到所述客户证件信息之后,展示手机号码输入提示,并接收客户输入的手机号码;After obtaining the customer ID information, the remote video teller machine displays a mobile phone number input prompt and receives the mobile phone number input by the customer;
    所述远程视频柜员机将所述远程视频柜员机和所述手机号码作为当前客户信息发送至所述服务器。The remote video teller machine transmits the remote video teller machine and the mobile phone number to the server as current customer information.
  4. 如权利要求3所述的方法,其中,所述服务器获取所述当前客户信息,对所述当前客户信息进行保存,并为所述银行卡信息对应的银行卡进行网银开通,具体包括:The method of claim 3, wherein the server obtains the current customer information, saves the current customer information, and performs online banking for the bank card corresponding to the bank card information, which specifically includes:
    所述服务器接收所述当前客户信息,对所述当前客户信息进行保存,并根据所述当前客户信息确定目标手机号码;Receiving, by the server, the current customer information, saving the current customer information, and determining a target mobile phone number according to the current customer information;
    所述服务器根据预设算法生成与所述目标手机号码对应的动态验证码,并将所述动态验证码发送至所述客户的移动终端;The server generates a dynamic verification code corresponding to the target mobile phone number according to a preset algorithm, and sends the dynamic verification code to the mobile terminal of the client;
    所述远程视频柜员机接收用户输入的当前动态验证码,将所述当前动态验证码发送至所述服务器;Receiving, by the remote video teller machine, a current dynamic verification code input by a user, and sending the current dynamic verification code to the server;
    所述服务器对所述当前动态验证码进行验证,在验证通过时,向所述远程视频柜员机发送授权请求;The server verifies the current dynamic verification code, and sends an authorization request to the remote video teller when the verification passes;
    所述远程视频柜员机响应于所述授权请求,展示授权确认提示,在接收到银行工作人员输入的授权信息时,将所述授权信息发送至所述服务器;The remote video teller machine displays an authorization confirmation prompt in response to the authorization request, and sends the authorization information to the server when receiving the authorization information input by the bank staff;
    所述服务器接收所述授权信息,并根据所述授权信息为所述银行卡信息对应的银行卡进行网银开通。The server receives the authorization information, and performs online banking for the bank card corresponding to the bank card information according to the authorization information.
  5. 如权利要求4所述的方法,其中,所述远程视频柜员机响应于所述授权请求,展示授权确认提示,在接收到银行工作人员输入的授权信息时,将所述授权信息发送至所述服务器之后,所述方法还包括:The method of claim 4, wherein the remote video teller machine displays an authorization confirmation prompt in response to the authorization request, and transmits the authorization information to the server upon receiving authorization information input by a bank staff member Thereafter, the method further includes:
    所述远程视频柜员机展示指纹录入提示,采集按压在预设采集区域的手指对应的指纹信息;The remote video teller machine displays a fingerprint entry prompt, and collects fingerprint information corresponding to a finger pressed in a preset collection area;
    所述远程视频柜员机根据所述指纹信息生成指纹图片,并将所述指纹图片发送至所述服务器;The remote video teller machine generates a fingerprint picture according to the fingerprint information, and sends the fingerprint picture to the server;
    所述服务器接收所述授权信息,并根据所述授权信息办理网银开通,具体包括:The server receives the authorization information, and performs the online banking opening according to the authorization information, which specifically includes:
    所述服务器接收所述授权信息和所述指纹图片,将所述指纹图片添加至所述当前客户信息,并根据所述授权信息为所述银行卡信息对应的银行卡进行网银开通。The server receives the authorization information and the fingerprint picture, adds the fingerprint picture to the current customer information, and performs online banking for the bank card corresponding to the bank card information according to the authorization information.
  6. 如权利要求5所述的方法,其中,所述远程视频柜员机根据所述指纹信息生成指纹图片,并将所述指纹图片发送至所述服务器,具体包括:The method of claim 5, wherein the remote video teller machine generates a fingerprint image according to the fingerprint information, and sends the fingerprint image to the server, which specifically includes:
    所述远程视频柜员机根据所述指纹信息生成指纹图片,对所述指纹图片进行指纹特征提取,获取指纹图像;The remote video teller machine generates a fingerprint image according to the fingerprint information, performs fingerprint feature extraction on the fingerprint image, and acquires a fingerprint image;
    所述远程视频柜员机检测所述指纹图像在所述指纹图片中的占比是否超过预设占比,在超过所述预设占比时,将所述指纹图片发送至所述服务器。The remote video teller detects whether the proportion of the fingerprint image in the fingerprint picture exceeds a preset proportion, and when the preset ratio is exceeded, the fingerprint picture is sent to the server.
  7. 如权利要求6所述的方法,其中,所述授权信息包括:指纹信息和/或授权码;The method of claim 6, wherein the authorization information comprises: fingerprint information and/or an authorization code;
    所述远程视频柜员机响应于所述授权请求,展示授权确认提示,在接收到银行工作人员输入的确认授权指令时,将所述确认授权指令发送至所述服务器,具体包括:The remote video teller machine displays the authorization confirmation prompt in response to the authorization request, and sends the confirmation authorization instruction to the server when receiving the confirmation authorization instruction input by the bank staff, which specifically includes:
    所述远程视频柜员机响应于所述授权请求,展示授权确认提示;The remote video teller machine displays an authorization confirmation prompt in response to the authorization request;
    所述远程视频柜员机在接收到银行工作人员输入的所述指纹信息和/或授权码时,将所述指纹信息和/或授权码发送至所述服务器;The remote video teller machine sends the fingerprint information and/or the authorization code to the server when receiving the fingerprint information and/or the authorization code input by the bank staff;
    所述服务器接收所述授权信息和所述指纹图片,将所述指纹图片添加至所述当前客户信息,并根据所述授权信息办理网银开通,具体包括:The server receives the authorization information and the fingerprint image, adds the fingerprint image to the current customer information, and performs the online banking opening according to the authorization information, which specifically includes:
    所述服务器接收所述指纹图片,将所述指纹图片添加至所述当前客户信息;Receiving, by the server, the fingerprint picture, adding the fingerprint picture to the current customer information;
    所述服务器接收所述指纹信息和/或授权码,对所述指纹信息和/或授权码进行验证,在验证通过时,为所述银行卡信息对应的银行卡进行网银开通。The server receives the fingerprint information and/or the authorization code, and verifies the fingerprint information and/or the authorization code. When the verification is passed, the network card is opened for the bank card corresponding to the bank card information.
  8. 一种网银开通系统,其中,所述系统包括:远程视频柜员机、服务器以及终端设备;An online banking opening system, wherein the system comprises: a remote video teller machine, a server, and a terminal device;
    其中,所述远程视频柜员机,用于响应于客户输入的网银开通指令,向所述服务器发送业务办理指令;The remote video teller machine is configured to send a service processing instruction to the server in response to an online banking opening instruction input by the client;
    所述服务器,用于响应于所述业务办理指令,为所述远程视频柜员机分配一处于空闲状态的目标柜员,并将所述业务办理指令发送至所述目标柜员对应的终端设备;The server is configured to allocate a target teller in an idle state to the remote video teller machine in response to the service processing instruction, and send the service processing instruction to the terminal device corresponding to the target teller;
    所述终端设备,用于响应于所述业务办理指令,获取客户的身份信息,在所述身份信息验证通过时,生成银行卡信息读取请求,并将所述银行卡信息读取请求发送至所述远程视频柜员机;The terminal device is configured to acquire identity information of the client in response to the service processing instruction, generate a bank card information read request when the identity information is verified, and send the bank card information read request to the The remote video teller machine;
    所述远程视频柜员机,用于响应于所述银行卡信息读取请求,展示银行卡信息输入提示,并将客户输入的银行卡信息发送至所述服务器;The remote video teller machine is configured to display a bank card information input prompt in response to the bank card information reading request, and send the bank card information input by the client to the server;
    所述服务器,用于对所述银行卡信息进行验证,在验证通过时,为所述银行卡信息对应的银行卡进行网银开通。The server is configured to verify the bank card information, and when the verification is passed, perform online banking for the bank card corresponding to the bank card information.
  9. 一种网银开通设备,其中,所述设备包括存储器、处理器及存储在所述存储器上并可在所述处理器上运行的网银开通程序,所述网银开通程序配置为实现如下步骤:An online banking provisioning device, wherein the device comprises a memory, a processor, and an online banking opening program stored on the memory and operable on the processor, the online banking opening program configured to implement the following steps:
    远程视频柜员机响应于客户输入的网银开通指令,向服务器发送业务办理指令;The remote video teller machine sends a service processing instruction to the server in response to the online banking opening instruction input by the customer;
    所述服务器响应于所述业务办理指令,为所述远程视频柜员机分配一处于空闲状态的目标柜员,并将所述业务办理指令发送至所述目标柜员对应的终端设备;Responding to the service processing instruction, the server assigns a target teller in an idle state to the remote video teller machine, and sends the service processing instruction to the terminal device corresponding to the target teller;
    所述终端设备响应于所述业务办理指令,获取客户的身份信息,在所述身份信息验证通过时,生成银行卡信息读取请求,并将所述银行卡信息读取请求发送至所述远程视频柜员机;The terminal device acquires identity information of the client in response to the service processing instruction, generates a bank card information read request when the identity information is verified, and sends the bank card information read request to the remote Video teller machine;
    所述远程视频柜员机响应于所述银行卡信息读取请求,展示银行卡信息输入提示,并将客户输入的银行卡信息发送至所述服务器; The remote video teller machine displays a bank card information input prompt in response to the bank card information reading request, and sends the bank card information input by the client to the server;
    所述服务器对所述银行卡信息进行验证,在验证通过时,为所述银行卡信息对应的银行卡进行网银开通。The server verifies the bank card information, and when the verification is passed, the bank card is opened for the bank card corresponding to the bank card information.
  10. 如权利要求9所述的网银开通设备,其中,所述网银开通程序配置为实现如下步骤:The online banking provisioning device of claim 9, wherein the online banking activation program is configured to implement the following steps:
    所述服务器对所述银行卡信息进行验证,在验证通过时,获取所述客户对应的账户信息,并将所述账户信息发送至所述终端设备;The server verifies the bank card information, and when the verification passes, acquires account information corresponding to the client, and sends the account information to the terminal device;
    所述终端设备接收所述账户信息,对所述账户信息进行展示,在接收到所述目标柜员输入的核对完成指令时,向所述远程视频柜员机发送信息采集指令;Receiving, by the terminal device, the account information, displaying the account information, and sending an information collection instruction to the remote video teller when receiving the verification completion instruction input by the target teller;
    所述远程视频柜员机响应于所述信息采集指令,对所述客户进行信息采集,并将采集到的当前客户信息发送至所述服务器; The remote video teller machine collects information from the customer in response to the information collection instruction, and sends the collected current customer information to the server;
    所述服务器获取所述当前客户信息,对所述当前客户信息进行保存,并为所述银行卡信息对应的银行卡进行网银开通。The server acquires the current customer information, saves the current customer information, and performs online banking for the bank card corresponding to the bank card information.
  11. 如权利要求10所述的网银开通设备,其中,所述网银开通程序配置为实现如下步骤:The online banking provisioning device of claim 10, wherein the online banking activation program is configured to implement the following steps:
    所述远程视频柜员机响应于所述信息采集指令,展示证件信息扫描提示;The remote video teller machine displays a document information scanning prompt in response to the information collection instruction;
    所述远程视频柜员机对预设扫描区域进行扫描,采集客户证件信息;The remote video teller machine scans the preset scanning area to collect customer identification information;
    所述远程视频柜员机在获取到所述客户证件信息之后,展示手机号码输入提示,并接收客户输入的手机号码; After obtaining the customer ID information, the remote video teller machine displays a mobile phone number input prompt and receives the mobile phone number input by the customer;
    所述远程视频柜员机将所述远程视频柜员机和所述手机号码作为当前客户信息发送至所述服务器。The remote video teller machine transmits the remote video teller machine and the mobile phone number to the server as current customer information.
  12. 如权利要求11所述的网银开通设备,其中,所述网银开通程序配置为实现如下步骤:The online banking provisioning device of claim 11, wherein the online banking activation program is configured to implement the following steps:
    所述服务器接收所述当前客户信息,对所述当前客户信息进行保存,并根据所述当前客户信息确定目标手机号码;Receiving, by the server, the current customer information, saving the current customer information, and determining a target mobile phone number according to the current customer information;
    所述服务器根据预设算法生成与所述目标手机号码对应的动态验证码,并将所述动态验证码发送至所述客户的移动终端;The server generates a dynamic verification code corresponding to the target mobile phone number according to a preset algorithm, and sends the dynamic verification code to the mobile terminal of the client;
    所述远程视频柜员机接收用户输入的当前动态验证码,将所述当前动态验证码发送至所述服务器;Receiving, by the remote video teller machine, a current dynamic verification code input by a user, and sending the current dynamic verification code to the server;
    所述服务器对所述当前动态验证码进行验证,在验证通过时,向所述远程视频柜员机发送授权请求;The server verifies the current dynamic verification code, and sends an authorization request to the remote video teller when the verification passes;
    所述远程视频柜员机响应于所述授权请求,展示授权确认提示,在接收到银行工作人员输入的授权信息时,将所述授权信息发送至所述服务器;所述服务器接收所述授权信息,并根据所述授权信息为所述银行卡信息对应的银行卡进行网银开通。The remote video teller machine displays an authorization confirmation prompt in response to the authorization request, and sends the authorization information to the server when receiving the authorization information input by the bank staff; the server receives the authorization information, and The online banking is opened for the bank card corresponding to the bank card information according to the authorization information.
  13. 如权利要求12所述的网银开通设备,其中,所述网银开通程序配置为实现如下步骤:The online banking provisioning device of claim 12, wherein the online banking activation program is configured to implement the following steps:
    所述远程视频柜员机展示指纹录入提示,采集按压在预设采集区域的手指对应的指纹信息;The remote video teller machine displays a fingerprint entry prompt, and collects fingerprint information corresponding to a finger pressed in a preset collection area;
    所述远程视频柜员机根据所述指纹信息生成指纹图片,并将所述指纹图片发送至所述服务器;The remote video teller machine generates a fingerprint picture according to the fingerprint information, and sends the fingerprint picture to the server;
    所述服务器接收所述授权信息和所述指纹图片,将所述指纹图片添加至所述当前客户信息,并根据所述授权信息为所述银行卡信息对应的银行卡进行网银开通。The server receives the authorization information and the fingerprint picture, adds the fingerprint picture to the current customer information, and performs online banking for the bank card corresponding to the bank card information according to the authorization information.
  14. 如权利要求13所述的网银开通设备,其中,所述网银开通程序配置为实现如下步骤:The online banking provisioning device of claim 13, wherein the online banking activation program is configured to implement the following steps:
    所述远程视频柜员机根据所述指纹信息生成指纹图片,对所述指纹图片进行指纹特征提取,获取指纹图像; The remote video teller machine generates a fingerprint image according to the fingerprint information, performs fingerprint feature extraction on the fingerprint image, and acquires a fingerprint image;
    所述远程视频柜员机检测所述指纹图像在所述指纹图片中的占比是否超过预设占比,在超过所述预设占比时,将所述指纹图片发送至所述服务器。The remote video teller detects whether the proportion of the fingerprint image in the fingerprint picture exceeds a preset proportion, and when the preset ratio is exceeded, the fingerprint picture is sent to the server.
  15. 如权利要求14所述的网银开通设备,其中,所述网银开通程序配置为实现如下步骤:The online banking provisioning device of claim 14, wherein the online banking activation program is configured to implement the following steps:
    所述远程视频柜员机响应于所述授权请求,展示授权确认提示;The remote video teller machine displays an authorization confirmation prompt in response to the authorization request;
    所述远程视频柜员机在接收到银行工作人员输入的所述指纹信息和/或授权码时,将所述指纹信息和/或授权码发送至所述服务器;The remote video teller machine sends the fingerprint information and/or the authorization code to the server when receiving the fingerprint information and/or the authorization code input by the bank staff;
    所述服务器接收所述指纹图片,将所述指纹图片添加至所述当前客户信息;Receiving, by the server, the fingerprint picture, adding the fingerprint picture to the current customer information;
    所述服务器接收所述指纹信息和/或授权码,对所述指纹信息和/或授权码进行验证,在验证通过时,为所述银行卡信息对应的银行卡进行网银开通。The server receives the fingerprint information and/or the authorization code, and verifies the fingerprint information and/or the authorization code. When the verification is passed, the network card is opened for the bank card corresponding to the bank card information.
  16. 一种计算机可读存储介质,其中,所述计算机可读存储介质上存储有网银开通程序,所述网银开通程序被处理器执行时实现如下步骤:A computer readable storage medium, wherein the computer readable storage medium stores an online banking opening program, and when the online banking opening program is executed by the processor, the following steps are implemented:
    远程视频柜员机响应于客户输入的网银开通指令,向服务器发送业务办理指令;The remote video teller machine sends a service processing instruction to the server in response to the online banking opening instruction input by the customer;
    所述服务器响应于所述业务办理指令,为所述远程视频柜员机分配一处于空闲状态的目标柜员,并将所述业务办理指令发送至所述目标柜员对应的终端设备;Responding to the service processing instruction, the server assigns a target teller in an idle state to the remote video teller machine, and sends the service processing instruction to the terminal device corresponding to the target teller;
    所述终端设备响应于所述业务办理指令,获取客户的身份信息,在所述身份信息验证通过时,生成银行卡信息读取请求,并将所述银行卡信息读取请求发送至所述远程视频柜员机;The terminal device acquires identity information of the client in response to the service processing instruction, generates a bank card information read request when the identity information is verified, and sends the bank card information read request to the remote Video teller machine;
    所述远程视频柜员机响应于所述银行卡信息读取请求,展示银行卡信息输入提示,并将客户输入的银行卡信息发送至所述服务器;The remote video teller machine displays a bank card information input prompt in response to the bank card information reading request, and sends the bank card information input by the client to the server;
    所述服务器对所述银行卡信息进行验证,在验证通过时,为所述银行卡信息对应的银行卡进行网银开通。The server verifies the bank card information, and when the verification is passed, the bank card is opened for the bank card corresponding to the bank card information.
  17. 如权利要求16所述的存储介质,其中,所述网银开通程序被处理器执行时实现如下步骤:The storage medium of claim 16, wherein the online banking provisioning program is executed by the processor to implement the following steps:
    所述服务器对所述银行卡信息进行验证,在验证通过时,获取所述客户对应的账户信息,并将所述账户信息发送至所述终端设备;The server verifies the bank card information, and when the verification passes, acquires account information corresponding to the client, and sends the account information to the terminal device;
    所述终端设备接收所述账户信息,对所述账户信息进行展示,在接收到所述目标柜员输入的核对完成指令时,向所述远程视频柜员机发送信息采集指令;Receiving, by the terminal device, the account information, displaying the account information, and sending an information collection instruction to the remote video teller when receiving the verification completion instruction input by the target teller;
    所述远程视频柜员机响应于所述信息采集指令,对所述客户进行信息采集,并将采集到的当前客户信息发送至所述服务器;The remote video teller machine collects information from the customer in response to the information collection instruction, and sends the collected current customer information to the server;
    所述服务器获取所述当前客户信息,对所述当前客户信息进行保存,并为所述银行卡信息对应的银行卡进行网银开通。The server acquires the current customer information, saves the current customer information, and performs online banking for the bank card corresponding to the bank card information.
  18. 如权利要求17所述的存储介质,其中,所述网银开通程序被处理器执行时实现如下步骤:The storage medium of claim 17, wherein the online banking provisioning program is executed by the processor to implement the following steps:
    所述远程视频柜员机响应于所述信息采集指令,展示证件信息扫描提示;The remote video teller machine displays a document information scanning prompt in response to the information collection instruction;
    所述远程视频柜员机对预设扫描区域进行扫描,采集客户证件信息;The remote video teller machine scans the preset scanning area to collect customer identification information;
    所述远程视频柜员机在获取到所述客户证件信息之后,展示手机号码输入提示,并接收客户输入的手机号码;After obtaining the customer ID information, the remote video teller machine displays a mobile phone number input prompt and receives the mobile phone number input by the customer;
    所述远程视频柜员机将所述远程视频柜员机和所述手机号码作为当前客户信息发送至所述服务器。 The remote video teller machine transmits the remote video teller machine and the mobile phone number to the server as current customer information.
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