CN111640007B - Bank account opening method, device, terminal and storage medium - Google Patents
Bank account opening method, device, terminal and storage medium Download PDFInfo
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Abstract
The invention relates to the technical field of artificial intelligence, and provides a bank account opening method, a device, a terminal and a storage medium, wherein the method comprises the following steps: receiving four elements of a bank account to be identified bound when a user opens a second type of bank account and authenticating the four elements; and after the authentication is passed, starting a camera to shoot a face, determining that the face shot on site is a real person by adopting a living body detection technology, verifying that the face shot on site is the same person, initiating an electronic payment request to the bank account to be identified, identifying whether the bank account to be identified is one type of bank account or not based on a payment result notification message returned by the bank account to be identified after receiving the payment result notification message, and executing account opening operation of the second type of bank account when determining that the bank account to be identified is one type of bank account. The invention can quickly identify whether the bank account to be identified is the first class bank account or not based on the payment result notification message, thereby improving the account opening efficiency of the second class bank account.
Description
Technical Field
The invention relates to the technical field of bank cards, in particular to a bank account opening method, a bank account opening device, a bank account opening terminal and a storage medium.
Background
The electronic bank account is an innovative product based on the RMB account management method of I-type accounts, II-type accounts and III-type accounts proposed by the Chinese people bank in recent years, has the account characteristic that a customer can enjoy specialized bank services without going to a bank counter website, and can verify whether a bound bank account submitted by the customer is one type of bank account or not according to the requirement of account classification management when the second type of bank account is opened.
In the existing bank account opening system, when processing and identifying whether a bound bank account submitted by a user is a first-class bank account, the operation is complicated, the time consumption is long, and the card opening efficiency of a second-class bank card is low; and when the bound bank account is identified to be one type of bank account, the bound bank account is checked based on the information submitted by the user, and an error phenomenon occurs, so that the account opening operation is executed without opening a second type of bank account for the user.
Disclosure of Invention
In view of the above, it is necessary to provide a method, an apparatus, a terminal and a storage medium for opening an account of a bank account, in which whether the account to be identified is a type of bank account is quickly identified according to the type of the historical transaction data in the bank account to be identified and different attributes corresponding to different types of bank accounts, so that the efficiency of identifying a type of bank account is improved.
A first aspect of the present invention provides a method for opening a bank account, where the method includes:
receiving four elements of a bank account to be identified bound when a user opens a second type of bank account, wherein the four elements comprise an identity card front photo of the user;
calling a docking interface of a preset authentication service mechanism to authenticate the four elements;
when receiving the authentication passing message returned by the preset authentication service mechanism, starting a camera to shoot a face, judging whether the face shot on site is a real person by adopting a living body detection technology, and randomly acquiring a site face image of a user in the detection process;
carrying out pairwise cross comparison on the on-site face image of the user, the face image in the positive photo of the identity card and the face image of the user returned by the preset authentication service mechanism, and verifying whether the user is the same person or not;
when the user is verified to be the same person, initiating an electronic payment request to the bank account to be recognized, and sending a preset payment amount to the bank account to be recognized;
after receiving a payment result notification message returned by the bank account to be identified, identifying whether the bank account to be identified is a type of bank account or not based on the payment result notification message;
and when the bank account to be identified is determined to be one type of bank account, executing account opening operation of the second type of bank account.
Preferably, the identifying whether the bank account to be identified is a class of bank accounts based on the payment result notification message includes:
when the payment result notification message is that the payment is successful, determining that the account to be identified is a non-second bank account;
when the account to be identified is determined to be a non-second-class bank account, reading historical transaction data of the bank account to be identified, identifying and dividing the historical transaction data into different transaction data types;
identifying whether the bank account to be identified is a type of bank account or not according to different transaction data types and the basic attributes of different types of bank accounts;
when the transaction data type is identified to include card swiping transaction data, determining the bank account to be identified as a class of bank accounts; or
When the transaction data type does not include card swiping transaction data and the transaction data type includes consumption transaction data, accumulating the sum of transaction amounts of the consumption transaction data to obtain a consumption total amount, and when the consumption total amount is larger than a preset limit threshold value of three types of bank accounts, determining that the bank account to be identified is one type of bank account; when the total consumption amount is smaller than or equal to a preset limit threshold of three types of bank accounts, analyzing each consumption transaction data to obtain a corresponding merchant category code, matching each merchant category code with a preset merchant category code of one type of bank accounts, and when any merchant category code is matched with any merchant category code in a preset merchant category code library of one type of bank accounts, determining that the bank account to be identified is one type of bank account.
Preferably, the matching of each merchant category code with a preset merchant category code of a type of bank account includes:
when all the merchant category codes are not matched with any merchant category code in a preset merchant category code library of the bank accounts of the same category, determining that the bank account to be identified is a bank account of three categories;
and when the bank account to be identified is determined to be the three types of bank accounts, refusing to open the second type of bank account for the user.
Preferably, the reading of the historical transaction data of the bank account to be identified and the identification and division into different transaction data types include:
reading historical transaction flow data generated by the bank account to be identified from front-end equipment corresponding to a plurality of transaction channels, wherein the historical transaction flow is data generated when the account is subjected to business processing through the transaction channels;
extracting historical transaction data of the bank account to be identified from the historical transaction flow data;
acquiring transaction identification information from the extracted historical transaction data of the bank account to be identified;
and identifying and dividing the extracted historical transaction data of the bank account to be identified into different transaction data types according to the transaction identification information, wherein the transaction identification information is used for uniquely identifying one transaction.
Preferably, the invoking of the docking interface of the preset authentication service mechanism to authenticate the four elements includes:
calling an authentication resource docking interface in an authentication dynamic library of the preset authentication service mechanism, wherein the authentication dynamic library comprises an authentication resource file and an authentication resource docking interface for accessing the authentication resource file;
acquiring the authentication resource file from the authentication dynamic library through the authentication resource docking interface;
and performing the four-factor authentication according to the authentication resource file.
Preferably, the identifying whether the bank account to be identified is a class of bank accounts based on the payment result notification message further includes:
and when the bank account to be identified is determined not to be the first class bank account, refusing to execute the account opening operation of the second class bank account.
Preferably, the bank account opening method further includes:
when receiving a message that the authentication returned by the preset authentication service mechanism fails, determining that the four elements of the bank account to be identified bound do not exist when the user opens the second-class bank account, or the card-opening bank of the second-class bank account opened by the user is inconsistent with the card-opening bank of the bank account to be identified;
and refusing to execute the account opening operation of the second type of bank account when determining that the four elements of the bank account to be identified bound do not exist and/or the card opening bank of the second type of bank account opened by the user is inconsistent with the card opening bank of the bank account to be identified when the user opens the second type of bank account.
A second aspect of the present invention provides a bank account opening device, the device comprising:
the system comprises a receiving module, a judging module and a judging module, wherein the receiving module is used for receiving four elements of a bank account to be identified, which are bound when a user opens a second type of bank account, and the four elements comprise an identity card front photo of the user;
the calling module is used for calling a docking interface of a preset authentication service mechanism to authenticate the four elements;
the judging module is used for starting a camera to shoot a face when receiving a message of passing authentication returned by the preset authentication service mechanism, judging whether the face shot on site is a real person by adopting a living body detection technology, and randomly acquiring a site face image of a user in the detection process;
the comparison module is used for performing pairwise cross comparison on the on-site face image of the user, the face image in the positive photo of the identity card and the face image of the user returned by the preset authentication service mechanism to verify whether the user is the same person;
the sending module is used for initiating an electronic payment request to the bank account to be identified and sending a preset payment amount to the bank account to be identified when the user is verified to be the same person;
the identification module is used for identifying whether the bank account to be identified is a type of bank account or not based on the payment result notification message after receiving the payment result notification message returned by the bank account to be identified;
and the execution module is used for executing the account opening operation of the second type of bank account when the bank account to be identified is determined to be the first type of bank account.
A third aspect of the invention provides a terminal comprising a processor for implementing the bank account opening method when executing a computer program stored in a memory.
A fourth aspect of the present invention provides a computer-readable storage medium having stored thereon a computer program which, when executed by a processor, implements the bank account opening method.
In summary, the bank account opening method, the bank account opening device, the terminal and the storage medium according to the present invention call the docking interface of the preset authentication service mechanism to authenticate the four elements by receiving the four elements of the bank account to be identified bound when the user opens the second type of bank account; when receiving the authentication passing message returned by the preset authentication service mechanism, starting a camera to shoot a face, judging whether the face shot on site is a real person by adopting a living body detection technology, and randomly acquiring a site face image of a user in the detection process; carrying out pairwise cross comparison on the on-site face image of the user, the face image in the positive photo of the identity card and the face image of the user returned by the preset authentication service mechanism, and verifying whether the user is the same person or not; when the user is verified to be the same person, initiating an electronic payment request to the bank account to be identified, and sending a preset payment amount to the bank account to be identified; identifying whether the bank account to be identified is a type of bank account or not based on the payment result notification message; and when the bank account to be identified is determined to be one type of bank account, executing account opening operation of the second type of bank account.
On one hand, whether the bank account to be identified is a first-class bank account is identified based on the payment result notification message, whether the bank account to be identified submitted by the user is the first-class bank account is rapidly identified, the operation is simple, and the account opening efficiency of a second-class bank account is improved; on the other hand, in order to avoid using other person identity information to open an account when a user opens a second-class bank account, the living body detection technology is adopted to judge whether the face shot on the spot is a real person or not and to judge whether the face shot on the spot is the same person or not, so that the accuracy of opening the second-class bank account is improved.
Drawings
Fig. 1 is a flowchart of a bank account opening method according to an embodiment of the present invention.
Fig. 2 is a structural diagram of a bank account opening device according to a second embodiment of the present invention.
Fig. 3 is a schematic structural diagram of a terminal according to a third embodiment of the present invention.
The following detailed description will further illustrate the invention in conjunction with the above-described figures.
Detailed Description
In order that the above objects, features and advantages of the present invention can be more clearly understood, a detailed description of the present invention will be given below with reference to the accompanying drawings and specific embodiments. It should be noted that the embodiments of the present invention and features of the embodiments may be combined with each other without conflict.
Unless defined otherwise, all technical and scientific terms used herein have the same meaning as commonly understood by one of ordinary skill in the art to which this invention belongs. The terminology used in the description of the invention herein is for the purpose of describing particular embodiments only and is not intended to be limiting of the invention.
Example one
Fig. 1 is a flowchart of a bank account opening method according to an embodiment of the present invention.
In this embodiment, the bank account opening method may be applied to a terminal, and for a terminal that needs to open a bank account, the bank account opening function provided by the method of the present invention may be directly integrated on the terminal, or may be operated in the terminal in the form of a Software Development Kit (SKD).
As shown in fig. 1, the bank account opening method specifically includes the following steps, and the order of the steps in the flowchart may be changed, and some steps may be omitted according to different requirements.
S11: and receiving four elements of the bank account to be identified bound when the user opens the second type of bank account, wherein the four elements comprise the positive photo of the identity card of the user.
In this embodiment, the four elements include, but are not limited to, the name, the identification number, the card number, and the mobile phone number reserved when the user opens the bank card, and when receiving that the user opens a second-type bank account, the user needs to submit the first-type bank account bound to the second-type bank account, but the user may not know whether the submitted bank account is the first-type bank account when submitting the first-type bank account, and therefore, the user needs to identify the bank account submitted by the user.
S12: and calling a docking interface of a preset authentication service mechanism to authenticate the four elements.
In this embodiment, the authentication service mechanism is preset, the preset authentication service mechanism may be a china union pay authentication service mechanism, and the four elements submitted by the user may be authenticated by directly calling a docking interface of the china union pay authentication service mechanism, where the docking interface is used to configure authentication source information of the preset authentication service mechanism.
Preferably, the invoking of the docking interface of the preset authentication service mechanism to authenticate the four elements includes:
calling an authentication resource docking interface in an authentication dynamic library of the preset authentication service mechanism, wherein the authentication dynamic library comprises an authentication resource file and an authentication resource docking interface for accessing the authentication resource file;
acquiring the authentication resource file from the authentication dynamic library through the authentication resource docking interface;
and performing the four-factor authentication according to the authentication resource file.
In this embodiment, the authentication resource file may include a picture file, a video file, and the like, and when the four elements submitted by the user are received, the pre-stored information of the user is obtained from the authentication dynamic library, where the pre-stored information includes a front-back picture of a corresponding identity card, a name, an identity card number, a reserved mobile phone number, and the like, and when the four elements submitted by the user are completely consistent with the pre-stored information in the authentication resource file, the preset authentication service mechanism returns a message that the authentication is passed to a card issuer corresponding to the bank account of the second type.
Further, the method further comprises:
when receiving a message that the authentication returned by the preset authentication service mechanism fails, determining that the four elements of the bank account to be identified bound do not exist when the user opens the second-class bank account, or the card-opening bank of the second-class bank account opened by the user is inconsistent with the card-opening bank of the bank account to be identified;
and refusing to execute the account opening operation of the second type of bank account when determining that the four elements of the bank account to be identified bound do not exist and/or the card opening bank of the second type of bank account opened by the user is inconsistent with the card opening bank of the bank account to be identified when the user opens the second type of bank account.
In this embodiment, when the preset authentication service mechanism returns a message that the authentication fails to pass to the card-opening bank corresponding to the second-class bank account, the card-opening bank may determine that the account to be identified submitted by the user does not meet the requirement for opening the second-class bank account, and send the message that the account to be identified does not meet the requirement to the user, so as to improve the experience of the user, and meanwhile, check and check the information submitted by the user, thereby avoiding the operation of opening the account without opening the second-class bank account for the user.
S13: and when receiving the message that the authentication returned by the preset authentication service mechanism passes, starting a camera to shoot the face, judging whether the face shot on site is a real person by adopting a living body detection technology, and randomly acquiring a site face image of a user in the detection process.
In this embodiment, when it is determined that the four elements submitted by the user are completely consistent with the information pre-stored in the authentication resource file of the preset authentication service, the face image of the user is photographed, and a living body detection technology is adopted to detect the photographed face image to determine whether the face image is a real person, wherein the living body detection technology is the prior art, and the details of the present invention are not described herein.
S14: and carrying out pairwise cross comparison on the on-site face image of the user, the face image in the positive photo of the identity card table and the face image of the user returned by the preset authentication service mechanism, and verifying whether the user is the same person.
In this embodiment, when the user is a real person, in order to avoid the user from using other person identification information to open a second type of bank account, pairwise cross comparison needs to be performed on a live face image of the user, a face image in a front photo of an identification card table, and a face image of the user returned by the preset authentication service structure mechanism, and when comparison results are consistent, it is determined that the user is the same person; when the comparison result is inconsistent, the identity information of other people submitted by the user is determined, and the information submitted by the user is checked in the process of opening the second-class bank account, so that the operation of opening the account is avoided without opening the second-class bank account for the user, and the safety of opening the second-class bank account is improved.
S15: and when the user is verified to be the same person, initiating an electronic payment request to the bank account to be identified, and sending the preset payment amount to the bank account to be identified.
In this embodiment, different types of bank accounts correspond to different attributes, whereas the second type of bank accounts can only accept the deposit of the bound account and cannot pay electronically, and based on the attribute that the second type of bank accounts only accept the deposit of the bound account, payment is initiated to the bank account to be identified.
S16: and after receiving a payment result notification message returned by the bank account to be identified, identifying whether the bank account to be identified is a type of bank account or not based on the payment result notification message.
In this embodiment, payment is initiated to the bank account to be identified, and whether the bank account to be identified is a type of bank account is determined according to the notification message of the payment result.
Preferably, the identifying whether the bank account to be identified is a class of bank accounts based on the payment result notification message includes:
when the payment result notification message is that the payment is successful, determining that the account to be identified is a non-second bank account;
when the account to be identified is determined to be a non-second-class bank account, reading historical transaction data of the bank account to be identified, identifying and dividing the historical transaction data into different transaction data types;
identifying whether the bank account to be identified is a type of bank account or not according to different transaction data types and the basic attributes of different types of bank accounts;
when the transaction data type is identified to include card swiping transaction data, determining the bank account to be identified as a class of bank accounts; or
When the transaction data type does not include card swiping transaction data and the transaction data type includes consumption transaction data, accumulating the sum of transaction amounts of the consumption transaction data to obtain a consumption total amount, and when the consumption total amount is larger than a preset limit threshold value of three types of bank accounts, determining that the bank account to be identified is one type of bank account; when the total consumption amount is smaller than or equal to a preset limit threshold of three types of bank accounts, analyzing each consumption transaction data to obtain a corresponding merchant category code, matching each merchant category code with a preset merchant category code of one type of bank accounts, and when any merchant category code is matched with any merchant category code in a preset merchant category code library of one type of bank accounts, determining that the bank account to be identified is one type of bank account.
In this embodiment, the bank accounts include a first-class bank account, a second-class bank account and a third-class bank account, the basic attributes of the different classes of bank accounts are different, when the payment result notification message indicates that the payment is successful, the to-be-identified account is determined to be a non-second-class bank account, when the to-be-identified account is determined to be the non-second-class bank account, the historical transaction data of the to-be-identified bank account is read and is identified and divided into different transaction data types, according to the types of the historical transaction data in the account and different attributes corresponding to the different classes of bank accounts, whether the to-be-identified account submitted by the user is the first-class bank account or not is rapidly identified, the operation of the steps is simple, the account opening efficiency of the second-class bank account is improved, and in addition, the electronic payment is performed through the to-identified account submitted by the user, which is bound with the first-class bank account, when the payment is successful, the account to be identified is determined not to be the second-class bank account, and the efficiency of determining the second-class bank account is improved.
Further, the matching of each merchant category code with a preset merchant category code of a type of bank account includes:
when all the merchant category codes are not matched with any merchant category code in a preset merchant category code library of the bank accounts of the same category, determining that the bank account to be identified is a bank account of three categories;
and when the bank account to be identified is determined to be the three types of bank accounts, refusing to open a second type of bank account for the user.
In this embodiment, different types of bank accounts correspond to different merchant category codes, the merchant category codes corresponding to all consumption transaction data of the user are matched with any one merchant category code in a preset merchant category code library of the first type of bank account, whether the bank account to be identified is the first type of bank account is quickly identified according to a matching result, and account opening efficiency of the second type of bank account is improved.
Further, reading the historical transaction data of the bank account to be identified, identifying and dividing the historical transaction data into different transaction data types comprises:
reading historical transaction flow data generated by the bank account to be identified from front-end equipment corresponding to a plurality of transaction channels, wherein the historical transaction flow is data generated when the account is subjected to business processing through the transaction channels;
extracting historical transaction data of the bank account to be identified from the transaction flow data;
acquiring transaction identification information from the extracted historical transaction data of the bank account to be identified;
and identifying and dividing the extracted historical transaction data of the bank account to be identified into different transaction data types according to the transaction identification information, wherein the transaction identification information is used for uniquely identifying one transaction.
In this embodiment, the type of the historical transaction data includes card swiping transaction data and consumption transaction data, where the card swiping transaction data includes: and when reading the transaction running data generated by reading the bank account to be identified from the front-end equipment corresponding to each transaction channel, identifying the transaction running data according to the transaction identification information, and dividing the transaction running data into different transaction data types.
S17: and when the bank account to be identified is determined to be one type of bank account, executing account opening operation of the second type of bank account.
In this embodiment, when a second type of bank account is opened for a user, it is determined that the bank account to be identified submitted by the user is a first type of bank account, and when the bank account to be identified is a first type of bank account, it is determined that the bank account to be identified submitted by the user meets the requirement for opening the second type of bank account, and an opening operation of the second type of bank account is performed.
In summary, in the bank account opening method according to this embodiment, four elements of a bank account to be identified, which are bound when a user opens a second-type bank account, are received, and a docking interface of a preset authentication service mechanism is called to authenticate the four elements; when receiving the authentication passing message returned by the preset authentication service mechanism, starting a camera to shoot a face, judging whether the face shot on site is a real person by adopting a living body detection technology, and randomly acquiring a site face image of a user in the detection process; carrying out pairwise cross comparison on the on-site face image of the user, the face image in the positive photo of the identity card and the face image of the user returned by the preset authentication service mechanism, and verifying whether the user is the same person or not; when the user is verified to be the same person, initiating an electronic payment request to the bank account to be identified, and sending a preset payment amount to the bank account to be identified; identifying whether the bank account to be identified is a type of bank account or not based on the payment result notification message; and when the bank account to be identified is determined to be one type of bank account, executing account opening operation of the second type of bank account.
On one hand, the embodiment identifies whether the bank account to be identified is a first-class bank account or not based on the payment result notification message, and rapidly identifies whether the bank account to be identified submitted by the user is a first-class bank account or not, so that the operation is simple, and the account opening efficiency of a second-class bank account is improved; on the other hand, in order to avoid using other person identity information to open an account when a user opens a second-class bank account, the living body detection technology is adopted to judge whether the face shot on the spot is a real person or not and to judge whether the face shot on the spot is the same person or not, so that the accuracy of opening the second-class bank account is improved.
Example two
Fig. 2 is a structural diagram of a bank account opening device according to a second embodiment of the present invention.
In some embodiments, the bank account opening device 20 may include a plurality of functional modules composed of program code segments. The program code of the various program segments in the bank account opening device 20 may be stored in the memory of the terminal and executed by the at least one processor to perform (see detailed description of fig. 1) identification of a type of bank account.
In this embodiment, the bank account opening device 20 may be divided into a plurality of functional modules according to the functions performed by the bank account opening device. The functional module may include: the device comprises a receiving module 201, a calling module 202, a judging module 203, a comparing module 204, a sending module 205, an identifying module 206 and an executing module 207. The module referred to herein is a series of computer program segments capable of being executed by at least one processor and capable of performing a fixed function and is stored in memory. In the present embodiment, the functions of the modules will be described in detail in the following embodiments.
The receiving module 201: the system comprises four elements for receiving the bank account to be identified bound when a user opens a second type of bank account, wherein the four elements comprise the positive photo of the identity card of the user.
In this embodiment, the four elements include, but are not limited to, the name, the identification number, the card number, and the mobile phone number reserved when the user opens the bank card, and when receiving that the user opens a second-type bank account, the user needs to submit the first-type bank account bound to the second-type bank account, but the user may not know whether the submitted bank account is the first-type bank account when submitting the first-type bank account, and therefore, the user needs to identify the bank account submitted by the user.
The calling module 202: and the docking interface is used for calling a preset authentication service mechanism to authenticate the four elements.
In this embodiment, the authentication service mechanism is preset, the preset authentication service mechanism may be a china union pay authentication service mechanism, and the four elements submitted by the user may be authenticated by directly calling a docking interface of the china union pay authentication service mechanism, where the docking interface is used to configure authentication source information of the preset authentication service mechanism.
Preferably, the invoking module 202 invokes a docking interface of a preset authentication service to authenticate the four elements, including:
calling an authentication resource docking interface in an authentication dynamic library of the preset authentication service mechanism, wherein the authentication dynamic library comprises an authentication resource file and an authentication resource docking interface for accessing the authentication resource file;
acquiring the authentication resource file from the authentication dynamic library through the authentication resource docking interface;
and performing the four-factor authentication according to the authentication resource file.
In this embodiment, the authentication resource file may include a picture file, a video file, and the like, and when the four elements submitted by the user are received, the pre-stored information of the user is obtained from the authentication dynamic library, where the pre-stored information includes a front-back picture of a corresponding identity card, a name, an identity card number, a reserved mobile phone number, and the like, and when the four elements submitted by the user are completely consistent with the pre-stored information in the authentication resource file, the preset authentication service mechanism returns a message that the authentication is passed to a card issuer corresponding to the bank account of the second type.
Further, when receiving a message that the authentication returned by the preset authentication service mechanism fails, determining that the four elements of the bank account to be identified bound when the user opens the second-class bank account do not exist, or that the card opening bank of the second-class bank account opened by the user is inconsistent with the card opening bank of the bank account to be identified, and refusing to execute the card opening operation of the second-class bank account when determining that the four elements of the bank account to be identified do not exist and \ or that the card opening bank of the second-class bank account opened by the user is inconsistent with the card opening bank of the bank account to be identified.
In this embodiment, when the preset authentication service mechanism returns a message that the authentication fails to pass to the card-opening bank corresponding to the second-class bank account, the card-opening bank may determine that the account to be identified submitted by the user does not meet the requirement for opening the second-class bank account, and send the message that the account to be identified does not meet the requirement to the user, so as to improve the experience of the user, and meanwhile, check and check the information submitted by the user, thereby avoiding the operation of opening the account without opening the second-class bank account for the user.
The judging module 203: and the camera is started to shoot the face when the authentication passing message returned by the preset authentication service mechanism is received, the living body detection technology is adopted to judge whether the face shot on site is a real person, and a site face image of a user is randomly acquired in the detection process.
In this embodiment, when it is determined that the four elements submitted by the user are completely consistent with the information pre-stored in the authentication resource file of the preset authentication service, the face image of the user is photographed, and a living body detection technology is adopted to detect the photographed face image to determine whether the face image is a real person, wherein the living body detection technology is the prior art, and the details of the present invention are not described herein.
The comparison module 204: and the system is used for carrying out pairwise cross comparison on the on-site face image of the user, the face image in the positive photo of the identity card table and the face image of the user returned by the preset authentication service mechanism, and verifying whether the user is the same person.
In this embodiment, when the user is a real person, in order to avoid the user from using other person identification information to open a second type of bank account, pairwise cross comparison needs to be performed on a live face image of the user, a face image in a front photo of an identification card table, and a face image of the user returned by the preset authentication service structure mechanism, and when comparison results are consistent, it is determined that the user is the same person; when the comparison result is inconsistent, the identity information of other people submitted by the user is determined, and the information submitted by the user is checked in the process of opening the second-class bank account, so that the operation of opening the account is avoided without opening the second-class bank account for the user, and the safety of opening the second-class bank account is improved.
The sending module 205: and the electronic payment server is used for initiating an electronic payment request to the bank account to be identified and sending the preset payment amount to the bank account to be identified when the user is verified to be the same person.
In this embodiment, different types of bank accounts correspond to different attributes, whereas the second type of bank accounts can only accept the deposit of the bound account and cannot pay electronically, and based on the attribute that the second type of bank accounts only accept the deposit of the bound account, payment is initiated to the bank account to be identified.
The identification module 206: and the system is used for identifying whether the bank account to be identified is a type of bank account or not based on the payment result notification message after receiving the payment result notification message returned by the bank account to be identified.
In this embodiment, payment is initiated to the bank account to be identified, and whether the bank account to be identified is a type of bank account is determined according to the notification message of the payment result.
Preferably, the identifying module 206, based on the payment result notification message, identifies whether the bank account to be identified is a type of bank account, including:
when the payment result notification message is that the payment is successful, determining that the account to be identified is a non-second bank account;
when the account to be identified is determined to be a non-second-class bank account, reading historical transaction data of the bank account to be identified, identifying and dividing the historical transaction data into different transaction data types;
identifying whether the bank account to be identified is a type of bank account or not according to different transaction data types and the basic attributes of different types of bank accounts;
when the transaction data type is identified to include the card swiping transaction data, determining that the bank account to be identified is a bank account of one type; or
When the transaction data type does not include card swiping transaction data and the transaction data type includes consumption transaction data, accumulating the sum of transaction amounts of the consumption transaction data to obtain a consumption total amount, and when the consumption total amount is larger than a preset limit threshold value of three types of bank accounts, determining that the bank account to be identified is one type of bank account; when the total consumption amount is smaller than or equal to a preset limit threshold of three types of bank accounts, analyzing each consumption transaction data to obtain a corresponding merchant category code, matching each merchant category code with a preset merchant category code of one type of bank accounts, and when any merchant category code is matched with any merchant category code in a preset merchant category code library of one type of bank accounts, determining that the bank account to be identified is one type of bank account.
In this embodiment, the bank accounts include a first-class bank account, a second-class bank account and a third-class bank account, the basic attributes of the different classes of bank accounts are different, when the payment result notification message indicates that the payment is successful, it is determined that the account to be identified is a non-second-class bank account, when it is determined that the account to be identified is a non-second-class bank account, the historical transaction data of the bank account to be identified is read and is identified and divided into different transaction data types, according to the types of the historical transaction data in the account and the different attributes corresponding to the different classes of bank accounts, whether the account to be identified submitted by the user is a first-class bank account or not is rapidly identified, the operation of the steps is simple, and the account opening efficiency of the second-class bank account is improved.
In the embodiment, the electronic payment is carried out through the account to be identified bound with the first class of bank account submitted by the user, and when the payment is successful, the account to be identified is determined not to be the second class of bank account, so that the efficiency of determining the second class of bank account is improved.
Further, the matching of each merchant category code with a preset merchant category code of a type of bank account includes:
when all the merchant category codes are not matched with any merchant category code in a preset merchant category code library of the bank accounts of the same category, determining that the bank account to be identified is a bank account of three categories;
and when the bank account to be identified is determined to be the three types of bank accounts, refusing to open a second type of bank account for the user.
In this embodiment, different types of bank accounts correspond to different merchant category codes, the merchant category codes corresponding to all consumption transaction data of the user are matched with any one merchant category code in a preset merchant category code library of the first type of bank account, whether the bank account to be identified is the first type of bank account is quickly identified according to a matching result, and account opening efficiency of the second type of bank account is improved.
Further, reading the historical transaction data of the bank account to be identified, and identifying and dividing the historical transaction data into different transaction data types comprises:
reading historical transaction flow data generated by the bank account to be identified from front-end equipment corresponding to a plurality of transaction channels, wherein the historical transaction flow is data generated when the account is subjected to business processing through the transaction channels;
extracting historical transaction data of the bank account to be identified from the transaction flow data;
acquiring transaction identification information from the extracted historical transaction data of the bank account to be identified;
and identifying and dividing the extracted historical transaction data of the bank account to be identified into different transaction data types according to the transaction identification information, wherein the transaction identification information is used for uniquely identifying one transaction.
In this embodiment, the type of the historical transaction data includes card swiping transaction data and consumption transaction data, where the card swiping transaction data includes: and when reading the transaction running data generated by reading the bank account to be identified from the front-end equipment corresponding to each transaction channel, identifying the transaction running data according to the transaction identification information, and dividing the transaction running data into different transaction data types.
The execution module 207: and the account opening operation of the second type of bank account is executed when the bank account to be identified is determined to be the first type of bank account.
In this embodiment, when a second type of bank account is opened for a user, it is determined that the bank account to be identified submitted by the user is a first type of bank account, and when the bank account to be identified is a first type of bank account, it is determined that the bank account to be identified submitted by the user meets the requirement for opening the second type of bank account, and an opening operation of the second type of bank account is performed.
In summary, the bank account opening apparatus according to this embodiment receives four elements of the bank account to be identified, which are bound when the user opens the second-type bank account, and invokes a docking interface of a preset authentication service mechanism to authenticate the four elements; when receiving the authentication passing message returned by the preset authentication service mechanism, starting a camera to shoot a face, judging whether the face shot on site is a real person by adopting a living body detection technology, and randomly acquiring a site face image of a user in the detection process; carrying out pairwise cross comparison on the on-site face image of the user, the face image in the positive photo of the identity card and the face image of the user returned by the preset authentication service mechanism, and verifying whether the user is the same person or not; when the user is verified to be the same person, initiating an electronic payment request to the bank account to be identified, and sending a preset payment amount to the bank account to be identified; identifying whether the bank account to be identified is a type of bank account or not based on the payment result notification message; and when the bank account to be identified is determined to be one type of bank account, executing account opening operation of the second type of bank account.
On one hand, the embodiment identifies whether the bank account to be identified is a first class bank account or not based on the payment result notification message, and rapidly identifies whether the bank account to be identified submitted by the user is the first class bank account or not, so that the operation is simple, and the account opening efficiency of a second class bank account is improved; on the other hand, in order to avoid using other person identity information to open an account when a user opens a second-class bank account, the living body detection technology is adopted to judge whether the face shot on the spot is a real person or not and to judge whether the face shot on the spot is the same person or not, so that the accuracy of opening the second-class bank account is improved.
EXAMPLE III
Fig. 3 is a schematic structural diagram of a terminal according to a third embodiment of the present invention. In the preferred embodiment of the present invention, the terminal 3 includes a memory 31, at least one processor 32, at least one communication bus 33, and a transceiver 34.
It will be appreciated by those skilled in the art that the configuration of the terminal shown in fig. 3 is not limiting to the embodiments of the present invention, and may be a bus-type configuration or a star-type configuration, and the terminal 3 may include more or less hardware or software than that shown, or a different arrangement of components.
In some embodiments, the terminal 3 is a terminal capable of automatically performing numerical calculation and/or information processing according to instructions set in advance or stored in advance, and the hardware thereof includes but is not limited to a microprocessor, an application specific integrated circuit, a programmable gate array, a digital processor, an embedded device and the like. The terminal 3 may further include a client device, which includes, but is not limited to, any electronic product capable of performing human-computer interaction with a client through a keyboard, a mouse, a remote controller, a touch panel, or a voice control device, for example, a personal computer, a tablet computer, a smart phone, a digital camera, and the like.
It should be noted that the terminal 3 is only an example, and other existing or future electronic products, such as those that can be adapted to the present invention, should also be included in the scope of the present invention, and are included herein by reference.
In some embodiments, the memory 31 is used for storing program codes and various data, such as the bank account opening device 20 installed in the terminal 3, and realizes high-speed and automatic access to programs or data during the operation of the terminal 3. The Memory 31 includes a Read-Only Memory (ROM), a Programmable Read-Only Memory (PROM), an Erasable Programmable Read-Only Memory (EPROM), a One-time Programmable Read-Only Memory (OTPROM), an electronically Erasable rewritable Read-Only Memory (Electrically-Erasable Programmable Read-Only Memory (EEPROM)), an optical Read-Only disk (CD-ROM) or other optical disk Memory, a magnetic disk Memory, a tape Memory, or any other medium readable by a computer capable of carrying or storing data.
In some embodiments, the at least one processor 32 may be composed of an integrated circuit, for example, a single packaged integrated circuit, or may be composed of a plurality of integrated circuits packaged with the same or different functions, including one or more Central Processing Units (CPUs), microprocessors, digital Processing chips, graphics processors, and combinations of various control chips. The at least one processor 32 is a Control Unit (Control Unit) of the terminal 3, connects various components of the entire terminal 3 using various interfaces and lines, and executes various functions of the terminal 3 and processes data by running or executing programs or modules stored in the memory 31 and calling data stored in the memory 31.
In some embodiments, the at least one communication bus 33 is arranged to enable connection communication between the memory 31 and the at least one processor 32 or the like.
Although not shown, the terminal 3 may further include a power supply (such as a battery) for supplying power to various components, and preferably, the power supply may be logically connected to the at least one processor 32 through a power management device, so as to implement functions of managing charging, discharging, and power consumption through the power management device. The power supply may also include any component of one or more dc or ac power sources, recharging devices, power failure detection circuitry, power converters or inverters, power status indicators, and the like. The terminal 3 may further include various sensors, a bluetooth module, a Wi-Fi module, and the like, which are not described herein again.
It is to be understood that the described embodiments are for purposes of illustration only and that the scope of the appended claims is not limited to such structures.
The integrated unit implemented in the form of a software functional module may be stored in a computer-readable storage medium. The software functional module is stored in a storage medium and includes several instructions to enable a computer device (which may be a personal computer, a terminal, or a network device) or a processor (processor) to execute parts of the methods according to the embodiments of the present invention.
In a further embodiment, in conjunction with fig. 2, the at least one processor 32 may execute operating means of the terminal 3 and various installed application programs (such as the bank account opening device 20), program codes, and the like, for example, the respective modules described above.
The memory 31 has program code stored therein, and the at least one processor 32 can call the program code stored in the memory 31 to perform related functions. For example, the modules illustrated in fig. 2 are program codes stored in the memory 31 and executed by the at least one processor 32, so as to implement the functions of the modules for the purpose of bank account opening.
In one embodiment of the invention, the memory 31 stores a plurality of instructions that are executed by the at least one processor 32 to implement the functions of bank account opening.
Specifically, the at least one processor 32 may refer to the description of the relevant steps in the embodiment corresponding to fig. 1, and details are not repeated here.
In the embodiments provided in the present invention, it should be understood that the disclosed apparatus and method may be implemented in other ways. For example, the above-described apparatus embodiments are merely illustrative, and for example, the division of the modules is only one logical functional division, and other divisions may be realized in practice.
The modules described as separate parts may or may not be physically separate, and parts displayed as modules may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the modules may be selected according to actual needs to achieve the purpose of the solution of the present embodiment.
In addition, functional modules in the embodiments of the present invention may be integrated into one processing unit, or each unit may exist alone physically, or two or more units are integrated into one unit. The integrated unit can be realized in a form of hardware, or in a form of hardware plus a software functional module.
It will be evident to those skilled in the art that the invention is not limited to the details of the foregoing illustrative embodiments, and that the present invention may be embodied in other specific forms without departing from the spirit or essential attributes thereof. The present embodiments are therefore to be considered in all respects as illustrative and not restrictive, the scope of the invention being indicated by the appended claims rather than by the foregoing description, and all changes which come within the meaning and range of equivalency of the claims are therefore intended to be embraced therein. Any reference sign in a claim should not be construed as limiting the claim concerned. Furthermore, it will be obvious that the term "comprising" does not exclude other elements or the singular does not exclude the plural. A plurality of units or means recited in the apparatus claims may also be implemented by one unit or means in software or hardware. The terms first, second, etc. are used to denote names, but not any particular order.
Finally, it should be noted that the above embodiments are only for illustrating the technical solutions of the present invention and not for limiting, and although the present invention is described in detail with reference to the preferred embodiments, it should be understood by those skilled in the art that modifications or equivalent substitutions may be made on the technical solutions of the present invention without departing from the spirit and scope of the technical solutions of the present invention.
Claims (9)
1. A bank account opening method is characterized by comprising the following steps:
receiving four elements of a bank account to be identified bound when a user opens a second type of bank account, wherein the four elements comprise an identity card front photo of the user;
calling a docking interface of a preset authentication service mechanism to authenticate the four elements;
when receiving the authentication passing message returned by the preset authentication service mechanism, starting a camera to shoot a face, judging whether the face shot on site is a real person by adopting a living body detection technology, and randomly acquiring a site face image of a user in the detection process;
carrying out pairwise cross comparison on the on-site face image of the user, the face image in the positive photo of the identity card and the face image of the user returned by the preset authentication service mechanism, and verifying whether the user is the same person or not;
when the user is verified to be the same person, initiating an electronic payment request to the bank account to be identified, and sending a preset payment amount to the bank account to be identified;
after receiving a payment result notification message returned by the bank account to be identified, identifying whether the bank account to be identified is a type of bank account based on the payment result notification message, wherein identifying whether the bank account to be identified is a type of bank account based on the payment result notification message includes: when the payment result notification message is that the payment is successful, determining that the bank account to be identified is a non-second-class bank account; when the account to be identified is determined to be a non-second-class bank account, reading historical transaction data of the bank account to be identified, identifying and dividing the historical transaction data into different transaction data types; identifying whether the bank account to be identified is a class of bank account according to different transaction data types and the basic attributes of different types of bank accounts; when the transaction data type is identified to include card swiping transaction data, determining the bank account to be identified as a class of bank accounts; or when the transaction data type does not include the card swiping transaction data and the transaction data type includes the consumption transaction data, accumulating the sum of the transaction amounts of the consumption transaction data to obtain a consumption total amount, and when the consumption total amount is larger than a preset limit threshold value of three types of bank accounts, determining that the bank account to be identified is one type of bank account; when the total consumption amount is less than or equal to a preset limit threshold value of three types of bank accounts, analyzing each consumption transaction data to obtain a corresponding merchant category code, matching each merchant category code with a preset merchant category code of one type of bank accounts, and when any merchant category code is matched with any merchant category code in a preset merchant category code library of one type of bank accounts, determining that the bank account to be identified is one type of bank account;
and when the bank account to be identified is determined to be one type of bank account, executing account opening operation of the second type of bank account.
2. The bank account opening method according to claim 1, wherein the matching of each merchant category code with a preset merchant category code of a type of bank accounts comprises:
when all the merchant category codes are not matched with any merchant category code in a preset merchant category code library of the bank accounts of the same category, determining that the bank account to be identified is a bank account of three categories;
and when the bank account to be identified is determined to be the three types of bank accounts, refusing to open the second type of bank account for the user.
3. The bank account opening method according to claim 1, wherein the reading of the historical transaction data of the bank account to be identified and the identification and division into different transaction data types comprises:
reading historical transaction flow data generated by the bank account to be identified from front-end equipment corresponding to a plurality of transaction channels, wherein the historical transaction flow is data generated when the account is subjected to business processing through the transaction channels;
extracting historical transaction data of the bank account to be identified from the historical transaction flow data;
acquiring transaction identification information from the extracted historical transaction data of the bank account to be identified;
and identifying and dividing the extracted historical transaction data of the bank account to be identified into different transaction data types according to the transaction identification information, wherein the transaction identification information is used for uniquely identifying one transaction.
4. The bank account opening method according to claim 1, wherein the invoking of the docking interface of the preset authentication service to authenticate the four elements comprises:
calling an authentication resource docking interface in an authentication dynamic library of the preset authentication service mechanism, wherein the authentication dynamic library comprises an authentication resource file and an authentication resource docking interface for accessing the authentication resource file;
acquiring the authentication resource file from the authentication dynamic library through the authentication resource docking interface;
and performing the four-factor authentication according to the authentication resource file.
5. The bank account opening method according to claim 1, wherein the identifying whether the bank account to be identified is a class of bank accounts based on the payment result notification message further comprises:
and when the bank account to be identified is determined not to be the first class bank account, refusing to execute the account opening operation of the second class bank account.
6. The bank account opening method according to any one of claims 1 to 5, wherein the bank account opening method further comprises:
when receiving a message that the authentication returned by the preset authentication service mechanism fails, determining that the four elements of the bank account to be identified bound do not exist when the user opens the second-class bank account, or the card-opening bank of the second-class bank account opened by the user is inconsistent with the card-opening bank of the bank account to be identified;
and refusing to execute the account opening operation of the second type of bank account when determining that the four elements of the bank account to be identified bound do not exist and/or the card opening bank of the second type of bank account opened by the user is inconsistent with the card opening bank of the bank account to be identified when the user opens the second type of bank account.
7. A bank account opening apparatus, characterized in that the bank account opening apparatus comprises:
the system comprises a receiving module, a judging module and a judging module, wherein the receiving module is used for receiving four elements of a bank account to be identified, which are bound when a user opens a second type of bank account, and the four elements comprise an identity card front photo of the user;
the calling module is used for calling a docking interface of a preset authentication service mechanism to authenticate the four elements;
the judging module is used for starting a camera to shoot a face when receiving a message of passing authentication returned by the preset authentication service mechanism, judging whether the face shot on site is a real person by adopting a living body detection technology, and randomly acquiring a site face image of a user in the detection process;
the comparison module is used for performing pairwise cross comparison on the on-site face image of the user, the face image in the positive photo of the identity card and the face image of the user returned by the preset authentication service mechanism to verify whether the user is the same person;
the sending module is used for initiating an electronic payment request to the bank account to be identified and sending a preset payment amount to the bank account to be identified when the user is verified to be the same person;
the identification module is configured to identify whether the bank account to be identified is a class of bank account based on the payment result notification message after receiving a payment result notification message returned by the bank account to be identified, where identifying whether the bank account to be identified is a class of bank account based on the payment result notification message includes: when the payment result notification message is that the payment is successful, determining that the bank account to be identified is a non-second-class bank account; when the account to be identified is determined to be a non-second-class bank account, reading historical transaction data of the bank account to be identified, identifying and dividing the historical transaction data into different transaction data types; identifying whether the bank account to be identified is a type of bank account or not according to different transaction data types and the basic attributes of different types of bank accounts; when the transaction data type is identified to include card swiping transaction data, determining the bank account to be identified as a class of bank accounts; or when the transaction data type does not include the card swiping transaction data and the transaction data type includes the consumption transaction data, accumulating the sum of transaction amounts of the consumption transaction data to obtain a total consumption amount, and when the total consumption amount is larger than a preset limit threshold of three types of bank accounts, determining that the bank account to be identified is one type of bank account; when the total consumption amount is less than or equal to a preset limit threshold value of three types of bank accounts, analyzing each consumption transaction data to obtain a corresponding merchant category code, matching each merchant category code with a preset merchant category code of one type of bank accounts, and when any merchant category code is matched with any merchant category code in a preset merchant category code library of one type of bank accounts, determining that the bank account to be identified is one type of bank account;
and the execution module is used for executing the account opening operation of the second type of bank account when the bank account to be identified is determined to be the first type of bank account.
8. A terminal, characterized in that the terminal comprises a processor for implementing the bank account opening method according to any one of claims 1 to 6 when executing a computer program stored in a memory.
9. A computer-readable storage medium, on which a computer program is stored, which, when being executed by a processor, implements a bank account opening method according to any one of claims 1 to 6.
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