CN114066605A - Online account opening method and device - Google Patents
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Abstract
The invention discloses an online account opening method and device, relating to the technical field of mobile interconnection, wherein the method comprises the following steps: the bank online account opening system receives an online account opening request initiated by a user through a 5G message, wherein the online account opening request comprises a user mobile phone number and an SIM card identifier; sending a real-name authentication information acquisition request to an operator 5G message center, wherein the real-name authentication information acquisition request is used for indicating to acquire user real-name authentication information corresponding to a user mobile phone number and an SIM card identifier; receiving user real-name authentication information returned by the operator 5G message center; performing networking check on the user real-name authentication information; and under the condition that the networking check result is that the check is passed, performing online account opening based on the mobile phone number of the user and the real-name authentication information of the user. The invention can simplify the user online account opening process and improve the online account opening efficiency while ensuring the authenticity and the safety of the personal information of the user.
Description
Technical Field
The invention relates to the technical field of mobile interconnection, in particular to an online account opening method and device.
Background
This section is intended to provide a background or context to the embodiments of the invention that are recited in the claims. The description herein is not admitted to be prior art by inclusion in this section.
With the advent of digital economy, more and more users choose to open bank personal accounts online, and do not need to go to banking outlets for transaction. However, the existing online account opening steps are complicated, a user is required to input personal information such as an identity card, verification mobile phone information, face recognition and the like in sequence, and in the account opening process, some users are at risk of counterfeiting identity information or revealing identity information of the users.
Disclosure of Invention
The embodiment of the invention provides an online account opening method, which is used for simplifying the online account opening process of a user and improving the online account opening efficiency while ensuring the authenticity and the safety of personal information of the user, and is applied to a bank online account opening system, and the method comprises the following steps:
receiving an online account opening request initiated by a user through a 5G message, wherein the online account opening request comprises a user mobile phone number and an SIM card identifier;
sending a real-name authentication information acquisition request to an operator 5G message center, wherein the real-name authentication information acquisition request is used for indicating to acquire user real-name authentication information corresponding to a user mobile phone number and an SIM card identifier;
receiving user real-name authentication information returned by the operator 5G message center;
performing networking check on the user real-name authentication information;
and under the condition that the networking check result is that the check is passed, performing online account opening based on the mobile phone number of the user and the real-name authentication information of the user.
The embodiment of the invention also provides an online account opening method, which is used for simplifying the online account opening process of a user and improving the online account opening efficiency while ensuring the authenticity and the safety of personal information of the user, and is applied to a 5G message center of an operator, and the method comprises the following steps:
after a user initiates an online account opening request through a 5G message, receiving a real-name authentication information acquisition request sent by a bank online account opening system, wherein the real-name authentication information acquisition request comprises a user mobile phone number and an SIM card identifier;
inquiring whether the mobile phone number of the user is associated with the SIM card identifier;
under the condition that the user mobile phone number is associated with the SIM card identification, acquiring user real-name authentication information corresponding to the user mobile phone number and the SIM card identification;
and sending the real-name authentication information of the user to the bank online account opening system.
The embodiment of the invention also provides an online account opening device, which is used for simplifying the online account opening process of a user and improving the online account opening efficiency while ensuring the authenticity and the safety of personal information of the user, and is applied to the online account opening system of a bank, and the device comprises:
the first receiving module is used for receiving an online account opening request initiated by a user through a 5G message, wherein the online account opening request comprises a user mobile phone number and an SIM card identifier;
the first sending module is used for sending a real-name authentication information acquisition request to an operator 5G message center, wherein the real-name authentication information acquisition request is used for indicating to acquire user real-name authentication information corresponding to a user mobile phone number and an SIM card identifier;
the second receiving module is used for receiving the user real-name authentication information returned by the operator 5G message center;
the network checking module is used for performing network checking on the user real-name authentication information;
and the online account opening module is used for performing online account opening based on the mobile phone number of the user and the real-name authentication information of the user under the condition that the networking check result is that the verification passes.
The embodiment of the invention also provides an online account opening device, which is used for simplifying the online account opening process of a user and improving the online account opening efficiency while ensuring the authenticity and the safety of personal information of the user, and is applied to a 5G message center of an operator, and the device comprises:
the first receiving module is used for receiving a real-name authentication information acquisition request sent by a bank online account opening system after a user initiates an online account opening request through a 5G message, wherein the real-name authentication information acquisition request comprises a user mobile phone number and an SIM card identifier;
the inquiry module is used for inquiring whether the mobile phone number of the user is related to the SIM card identification;
the information acquisition module is used for acquiring user real-name authentication information corresponding to the user mobile phone number and the SIM card identification under the condition that the user mobile phone number is associated with the SIM card identification;
and the first sending module is used for sending the real-name authentication information of the user to the bank online account opening system.
The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can run on the processor, wherein the processor executes the computer program to realize the online account opening method.
The embodiment of the invention also provides a computer readable storage medium, and the computer readable storage medium stores a computer program for executing the online account opening method.
An embodiment of the present invention further provides a computer program product, where the computer program product includes a computer program, and when the computer program is executed by a processor, the online account opening method is implemented.
In the embodiment of the invention, a bank online account opening system receives an online account opening request initiated by a user through a 5G message, wherein the online account opening request comprises a user mobile phone number and an SIM card identifier; sending a real-name authentication information acquisition request to an operator 5G message center, wherein the real-name authentication information acquisition request is used for indicating to acquire user real-name authentication information corresponding to a user mobile phone number and an SIM card identifier; receiving user real-name authentication information returned by the operator 5G message center; and under the condition that the networking check result is that the check is passed, performing online account opening based on the mobile phone number of the user and the real-name authentication information of the user. Compared with the mode that the user manually inputs the personal information in the existing online account opening system, the bank online account opening system performs online account opening in a 5G message mode, and requests the real-name authentication information of the user reserved in the operator from the 5G message center of the operator according to the mobile phone number of the user and the SIM card identifier, so that the authenticity and the safety of the personal information of the user can be ensured, meanwhile, the user does not need to manually input the personal information, the online account opening process of the user is simplified, and the online account opening efficiency is improved.
In the embodiment of the invention, an operator 5G message center receives a real-name authentication information acquisition request sent by a bank online account opening system after a user initiates an online account opening request through a 5G message, wherein the real-name authentication information acquisition request comprises a user mobile phone number and an SIM card identifier; inquiring whether the mobile phone number of the user is associated with the SIM card identifier; under the condition that the user mobile phone number is associated with the SIM card identification, acquiring user real-name authentication information corresponding to the user mobile phone number and the SIM card identification; and sending the real-name authentication information of the user to the bank online account opening system. Compared with the prior mode that the user manually inputs the personal information in the online account opening system, the embodiment of the invention has the advantages that the operator 5G message center sends the user real-name authentication information corresponding to the user mobile phone number and the SIM card identification to the bank online account opening system for online account opening of the user in the bank online account opening system, so that the authenticity and the safety of the user personal information can be ensured, the user does not need to manually input the personal information, the user online account opening process is simplified, and the online account opening efficiency is improved.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts. In the drawings:
fig. 1 is a first flowchart of an online account opening method provided in an embodiment of the present invention;
fig. 2 is a flowchart of a second online account opening method provided in the embodiment of the present invention;
fig. 3 is a flow chart of an online account opening method provided in the embodiment of the present invention;
fig. 4 is a fourth flowchart of an online account opening method provided in the embodiment of the present invention;
fig. 5 is a flow chart of an online account opening method provided in the embodiment of the present invention;
fig. 6 is a flowchart of a sixth online account opening method provided in the embodiment of the present invention;
fig. 7 is a first schematic diagram of an online account opening device according to an embodiment of the present invention;
fig. 8 is a schematic diagram of an online account opening device provided in the embodiment of the present invention;
fig. 9 is a third schematic diagram of an online account opening device according to an embodiment of the present invention;
fig. 10 is a schematic diagram of an online account opening device provided in the embodiment of the present invention;
fig. 11 is a schematic diagram of an online account opening device provided in the embodiment of the present invention;
fig. 12 is a sixth schematic view of an online account opening device provided in an embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the embodiments of the present invention are further described in detail below with reference to the accompanying drawings. The exemplary embodiments and descriptions of the present invention are provided to explain the present invention, but not to limit the present invention.
In the description of the present specification, the terms "comprising," "including," "having," "containing," and the like are used in an open-ended fashion, i.e., to mean including, but not limited to. Reference to the description of the terms "one embodiment," "a particular embodiment," "some embodiments," "for example," etc., means that a particular feature, structure, or characteristic described in connection with the embodiment or example is included in at least one embodiment or example of the application. In this specification, the schematic representations of the terms used above do not necessarily refer to the same embodiment or example. Furthermore, the particular features, structures, or characteristics described may be combined in any suitable manner in any one or more embodiments or examples. The sequence of steps involved in the embodiments is for illustrative purposes to illustrate the implementation of the present application, and the sequence of steps is not limited and can be adjusted as needed.
It should be noted that, in the technical solution of the present application, the acquisition, storage, use, processing, etc. of data all conform to the relevant regulations of the national laws and regulations.
Research shows that for the financial industry, 5G messages of operators can provide technical support and assistance for constructing more intelligent, online and open zero-contact financial services. Meanwhile, the SIM card has a wide card holding base, and users are authenticated by real names, so that the accuracy of user information is high. Therefore, the problems that the existing user online account opening steps are complicated, the identity information of a user is forged or the identity information of the user is leaked and the like are solved by applying the 5G message and the real-name authentication of the SIM card to the user online account opening process.
Aiming at the research, the embodiment of the invention provides an online account opening method which is applied to an online account opening system of a bank. As shown in fig. 1, the method includes:
102, sending a real-name authentication information acquisition request to an operator 5G message center, wherein the real-name authentication information acquisition request is used for indicating to acquire user real-name authentication information corresponding to a user mobile phone number and an SIM card identifier;
104, performing networking check on the user real-name authentication information;
and 105, performing online account opening based on the mobile phone number of the user and the real-name authentication information of the user under the condition that the networking check result is that the verification is passed.
In the embodiment of the invention, a bank online account opening system receives an online account opening request initiated by a user through a 5G message, wherein the online account opening request comprises a user mobile phone number and an SIM card identifier; sending a real-name authentication information acquisition request to an operator 5G message center, wherein the real-name authentication information acquisition request is used for indicating to acquire user real-name authentication information corresponding to a user mobile phone number and an SIM card identifier; receiving user real-name authentication information returned by the operator 5G message center; and under the condition that the networking check result is that the check is passed, performing online account opening based on the mobile phone number of the user and the real-name authentication information of the user. Compared with the mode that the user manually inputs the personal information in the existing online account opening system, the bank online account opening system performs online account opening in a 5G message mode, and requests the real-name authentication information of the user reserved in the operator from the 5G message center of the operator according to the mobile phone number of the user and the SIM card identifier, so that the authenticity and the safety of the personal information of the user can be ensured, meanwhile, the user does not need to manually input the personal information, the online account opening process of the user is simplified, and the online account opening efficiency is improved.
In step 101, the bank online account opening system may receive an online account opening request initiated by a user through a 5G message. The on-line account opening request comprises a user mobile phone number and an SIM card identification. Wherein, the 5G message is an encrypted 5G message sent by the operator 5G message center to the user terminal.
In an embodiment of the present invention, before the step 101, as shown in fig. 2, the method further includes:
the step 101 specifically includes:
and receiving an online account opening request initiated by a user according to the 5G message for transacting the online account opening service.
In specific implementation, the bank online account opening system sends notification information to an operator 5G message center, the notification information is used for indicating the operator 5G message center to send a 5G message for transacting online account opening service to a specified user, and the operator 5G message center generates a 5G message for transacting online account opening service according to the notification information; and the 5G message of the online account opening service is sent to the user terminal corresponding to the mobile phone number of the user. After receiving the 5G message for transacting the online account opening service, the user initiates an online account opening request to the bank online account opening system through the 5G message.
Before the operator 5G message center sends the 5G message of the online account opening service to the user terminal corresponding to the user mobile phone number, the 5G message of the online account opening service can be encrypted, and the encrypted 5G message of the online account opening service is sent to the user corresponding to the user mobile phone number.
Therefore, the user can initiate an online account opening request based on the encrypted 5G message without downloading bank APP, the process of transacting the account opening by the user is simplified, and the transacting time is saved; meanwhile, the encrypted 5G message passes the authentication of the telecom level, so that the information cannot be repudiated or tampered, the forgery of account information is avoided, and the telecom fraud risks such as fake base stations, short message hijacking and the like are effectively prevented.
In the step 102, the bank online account opening system sends a request for obtaining the user real-name authentication information corresponding to the user mobile phone number and the SIM card identifier to the operator 5G message center according to the user mobile phone number and the SIM card identifier in the received online account opening request.
In specific implementation, the bank online account opening system sends a real-name authentication information acquisition request to an operator 5G message center, and the operator 5G message center inquires whether a user mobile phone number in the real-name authentication information acquisition request is associated with an SIM card identifier; under the condition that the user mobile phone number is associated with the SIM card identification, acquiring user real-name authentication information corresponding to the user mobile phone number and the SIM card identification; and sending the real-name authentication information of the user to the bank online account opening system.
It should be noted that the SIM card holding group is very wide, and when the user transacts the mobile phone number, the operator system sets the mobile phone number of the user and the SIM card to be in a one-to-one association relationship, and needs to authenticate the user with a real name. Therefore, the operator system stores the user real-name authentication information corresponding to the user mobile phone number and the SIM card identifier, and the user real-name authentication information is more accurate.
Therefore, the real-name authentication information of the user in the operator is acquired based on the mobile phone number of the user and the SIM card identification, so that the user does not need to fill in personal certificate information when transacting the online account opening, the account opening efficiency of the user is improved, and the transaction time is saved. Meanwhile, the method avoids the filling of forged personal information by the user, and ensures the accuracy of the personal information of the user.
In step 103, the bank online account opening system receives the user real-name authentication information returned by the operator 5G message center.
In step 104, the bank online account opening system needs to perform online verification on the user real-name authentication information.
In specific implementation, the user real-name authentication information may include an identity card of the user, face information reserved in an operator, and the like, and the bank online account opening system may verify the identity card of the user, the face information reserved in the operator, and information in an official second-generation identity system, so as to determine the accuracy of the user real-name authentication information.
In the above step 105, after the networking check result is that the check is passed, an online account is opened based on the user mobile phone number and the user real-name authentication information.
In an embodiment of the present invention, in order to ensure the security and the accuracy of the user information, before step 105, after the networking check result is that the verification passes, as shown in fig. 3, the method further includes:
the step 105 specifically includes:
and under the condition that the face information of the user passes the verification, performing online account opening based on the mobile phone number of the user and the real-name authentication information of the user.
When the online bank account opening system is implemented specifically, a request for acquiring the face information of the user in an IVR service mode of 5G video is sent to the user, the user records the face information after receiving the request and uploads the face information to the online bank account opening system, the online bank account opening system compares and verifies the face information of the user with the face information in the identity verification system again, and after the verification is passed, online account opening is carried out based on the mobile phone number of the user and the real-name authentication information of the user.
It should be noted that ivr (interactive Voice and response), i.e. interactive Voice and video response, is a new value-added service for wireless Voice and video response. The user obtains the required video information or participates in the interactive video service by dialing the designated number. Compared with the traditional modes of collecting the face information such as videos, the IVR service can avoid the face information from being forged by the user, and the safety and the accuracy of the face information of the user are higher.
In this way, when the real-name authentication information of the user passes verification, the face information of the user is identified and verified again through the IVR service of the 5G video, so that the personal information of the user is confirmed for the second time, and the accuracy and the safety of the personal information of the user can be ensured.
Based on the above description, the embodiment of the present invention further provides another online account opening method, which is applied to a 5G message center of an operator. The implementation of the method can refer to the implementation of the online account opening method which takes the bank online account opening system as an execution main body, and repeated details are not repeated.
In the embodiment of the present invention, as shown in fig. 4, another online account opening method provided in the embodiment of the present invention is applied to an operator 5G message center. The method comprises the following steps:
and step 404, sending the real-name authentication information of the user to the bank online account opening system.
In an embodiment of the present invention, an operator 5G message center may generate and send a 5G message, as shown in fig. 5, before step 401, further includes:
In an embodiment of the present invention, in order to ensure the security of the user information, as shown in fig. 6, before the step 503, the method further includes:
the step 503 specifically includes:
and sending the encrypted 5G message of the online account opening service to a user corresponding to the mobile phone number of the user.
In the embodiment of the invention, the operator 5G message center sends the user real-name authentication information corresponding to the user mobile phone number and the SIM card identification to the bank online account opening system for online account opening of the user in the bank online account opening system, so that the authenticity and the safety of the personal information of the user can be ensured, the user does not need to manually input the personal information, the user online account opening process is simplified, and the online account opening efficiency is improved. In addition, in the embodiment of the invention, the 5G message center of the operator can generate and encrypt the 5G message of the online account opening and then send the encrypted 5G message to the user terminal, and the 5G message passes the authentication of the telecom level, so that the information cannot be repudiated and tampered, the forgery of account information is avoided, and the telecom fraud risks such as false base stations, short message hijacking and the like are effectively prevented.
The embodiment of the invention also provides an online account opening device, which is described in the following embodiment. Because the principle of solving the problems of the device is similar to that of the online account opening method, the implementation of the device can refer to the implementation of the online account opening method, and repeated parts are not described again.
As shown in fig. 7, a schematic diagram of an online account opening device provided in an embodiment of the present invention is applied to a bank online account opening system, where the device includes:
a first receiving module 701, configured to receive an online account opening request initiated by a user through a 5G message, where the online account opening request includes a user mobile phone number and an SIM card identifier;
a first sending module 702, configured to send a real-name authentication information acquisition request to an operator 5G message center, where the real-name authentication information acquisition request is used to instruct to acquire user real-name authentication information corresponding to a user mobile phone number and an SIM card identifier;
a second receiving module 703, configured to receive user real-name authentication information returned by the operator 5G message center;
the networking check module 704 is used for performing networking check on the user real-name authentication information;
and the online account opening module 705 is configured to perform online account opening based on the mobile phone number of the user and the real-name authentication information of the user when the networking check result is that the verification passes.
In an embodiment of the present invention, as shown in fig. 8, the apparatus shown in fig. 7 further includes a face information checking module 801, configured to, before the online account opening module performs online account opening based on the mobile phone number of the user and the real-name authentication information of the user:
sending a request for acquiring the face information of the user in an IVR service mode of a 5G video to the user under the condition that the networking check result is that the verification is passed;
checking user face information submitted by a user through an IVR service of a 5G video;
an online account opening module 705 configured to:
and under the condition that the face information of the user passes the verification, performing online account opening based on the mobile phone number of the user and the real-name authentication information of the user.
In an embodiment of the present invention, the 5G message is an encrypted 5G message.
In an embodiment of the present invention, as shown in fig. 9, the apparatus shown in fig. 7 further includes a second sending module 901, configured to, before the first receiving module receives an online account opening request initiated by the user through a 5G message:
sending notification information to an operator 5G message center, wherein the notification information is used for indicating the operator 5G message center to send a 5G message for transacting the online account opening service to a specified user, the notification information comprises a user mobile phone number, and the specified user is a user corresponding to the user mobile phone number;
a first receiving module 701, configured to:
and receiving an online account opening request initiated by a user according to the 5G message for transacting the online account opening service.
In the embodiment of the invention, the bank online account opening system performs online account opening in an encrypted 5G message mode, and requests the user real-name authentication information reserved in an operator from an operator 5G message center according to the mobile phone number of the user and the SIM card identifier, and the user real-name authentication information is used for online account opening.
As shown in fig. 10, a schematic diagram of another online account opening apparatus provided in the embodiment of the present invention is applied to a carrier 5G message center, where the apparatus includes:
the first receiving module 1001 is configured to receive a real-name authentication information acquisition request sent by a bank online account opening system after a user initiates an online account opening request through a 5G message, where the real-name authentication information acquisition request includes a user mobile phone number and an SIM card identifier;
the query module 1002 is configured to query whether a mobile phone number of a user is associated with an SIM card identifier;
the information acquisition module 1003 is configured to acquire user real-name authentication information corresponding to the user mobile phone number and the SIM card identifier under the condition that the user mobile phone number is associated with the SIM card identifier;
the first sending module 1004 is configured to send the real-name authentication information of the user to the bank online account opening system.
In an embodiment of the present invention, as shown in fig. 11, the apparatus shown in fig. 10 further includes:
a second receiving module 1101, configured to receive notification information sent by a bank online account opening system, where the notification information is used to instruct a 5G message for transacting an online account opening service to be sent to a specified user, and the notification information includes a user mobile phone number;
a 5G message generating module 1102, configured to generate a 5G message for transacting the online account opening service according to the notification information;
and the 5G message sending module 1103 is configured to send the 5G message of the online account opening service to the user terminal corresponding to the mobile phone number of the user.
In an embodiment of the present invention, as shown in fig. 12, the apparatus shown in fig. 11 further includes an encryption module 1201, configured to, before the 5G message sending module sends the 5G message of the online account opening service to the user terminal corresponding to the mobile phone number of the user:
encrypting the 5G message of the online account opening service;
the 5G messaging module 1103 includes:
and sending the encrypted 5G message of the online account opening service to a user corresponding to the mobile phone number of the user.
In the embodiment of the invention, the operator 5G message center sends the user real-name authentication information corresponding to the user mobile phone number and the SIM card identification to the bank online account opening system for online account opening of the user in the bank online account opening system, so that the authenticity and the safety of the personal information of the user can be ensured, the user does not need to manually input the personal information, the user online account opening process is simplified, and the online account opening efficiency is improved. Meanwhile, the encrypted 5G message can be authenticated through the carrier level, so that the information cannot be repudiated or tampered, the forgery of account information is avoided, and the risks of telecommunication fraud such as fake base stations, short message hijacking and the like are effectively prevented.
The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can run on the processor, wherein the processor executes the computer program to realize the online account opening method.
The embodiment of the invention also provides a computer readable storage medium, and the computer readable storage medium stores a computer program for executing the online account opening method.
An embodiment of the present invention further provides a computer program product, where the computer program product includes a computer program, and when the computer program is executed by a processor, the online account opening method is implemented.
In the embodiment of the invention, the bank online account opening system performs online account opening in a 5G message mode, and requests the user real-name authentication information reserved in the operator from the 5G message center of the operator according to the user mobile phone number and the SIM card identifier, so that the situation that a user fills in fake personal information can be avoided, the authenticity and the safety of the personal information of the user are ensured, meanwhile, the user does not need to download a bank APP, and does not need to manually input the personal information, the user online account opening process is simplified, and the online account opening efficiency is improved.
In the embodiment of the invention, the encrypted 5G message is authenticated by the carrier level, so that the information cannot be repudiated or tampered, the forgery of account information is avoided, and the risks of telecommunication fraud such as fake base stations, short message hijacking and the like are effectively prevented.
In this way, when the real-name authentication information of the user passes verification, the face information of the user is identified and verified again through the IVR service of the 5G video, so that the personal information of the user is confirmed for the second time, and the accuracy and the safety of the personal information of the user can be ensured.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
The above-mentioned embodiments are intended to illustrate the objects, technical solutions and advantages of the present invention in further detail, and it should be understood that the above-mentioned embodiments are only exemplary embodiments of the present invention, and are not intended to limit the scope of the present invention, and any modifications, equivalent substitutions, improvements and the like made within the spirit and principle of the present invention should be included in the scope of the present invention.
Claims (17)
1. An online account opening method is applied to a bank online account opening system and comprises the following steps:
receiving an online account opening request initiated by a user through a 5G message, wherein the online account opening request comprises a user mobile phone number and an SIM card identifier;
sending a real-name authentication information acquisition request to an operator 5G message center, wherein the real-name authentication information acquisition request is used for indicating to acquire user real-name authentication information corresponding to a user mobile phone number and an SIM card identifier;
receiving user real-name authentication information returned by the operator 5G message center;
performing networking check on the user real-name authentication information;
and under the condition that the networking check result is that the check is passed, performing online account opening based on the mobile phone number of the user and the real-name authentication information of the user.
2. The method of claim 1, wherein before conducting the online account opening based on the user's mobile phone number and the user's real-name authentication information, further comprising:
sending a request for acquiring the face information of the user in an IVR service mode of a 5G video to the user under the condition that the networking check result is that the verification is passed;
checking user face information submitted by a user through an IVR service of a 5G video;
the method for opening an account on line based on the mobile phone number of the user and the real-name authentication information of the user comprises the following steps:
and under the condition that the face information of the user passes the verification, performing online account opening based on the mobile phone number of the user and the real-name authentication information of the user.
3. The method of claim 1, wherein the 5G message is an encrypted 5G message.
4. The method of claim 1, wherein prior to receiving an online account opening request initiated by a user via a 5G message, further comprising:
sending notification information to an operator 5G message center, wherein the notification information is used for indicating the operator 5G message center to send a 5G message for transacting the online account opening service to a specified user, the notification information comprises a user mobile phone number, and the specified user is a user corresponding to the user mobile phone number;
receiving an online account opening request initiated by a user through a 5G message, wherein the online account opening request comprises the following steps:
and receiving an online account opening request initiated by a user according to the 5G message for transacting the online account opening service.
5. An online account opening method is applied to an operator 5G message center and comprises the following steps:
after a user initiates an online account opening request through a 5G message, receiving a real-name authentication information acquisition request sent by a bank online account opening system, wherein the real-name authentication information acquisition request comprises a user mobile phone number and an SIM card identifier;
inquiring whether the mobile phone number of the user is associated with the SIM card identifier;
under the condition that the user mobile phone number is associated with the SIM card identification, acquiring user real-name authentication information corresponding to the user mobile phone number and the SIM card identification;
and sending the real-name authentication information of the user to the bank online account opening system.
6. The method as claimed in claim 5, wherein after the user initiates the online account opening request through the 5G message, before receiving the real-name authentication information acquisition request sent by the bank online account opening system, the method further comprises:
receiving notification information sent by a bank online account opening system, wherein the notification information is used for indicating a 5G message for handling online account opening business to be sent to a specified user, and the notification information comprises a user mobile phone number;
generating a 5G message for transacting the online account opening service according to the notification information;
and sending the 5G message of the online account opening service to a user terminal corresponding to the mobile phone number of the user.
7. The method of claim 6, wherein before sending the 5G message of the online account opening service to the user terminal corresponding to the mobile phone number of the user, the method further comprises:
encrypting the 5G message of the online account opening service;
the method for sending the 5G message of the online account opening service to the user corresponding to the mobile phone number of the user comprises the following steps:
and sending the encrypted 5G message of the online account opening service to a user corresponding to the mobile phone number of the user.
8. An online account opening device, which is applied to a bank online account opening system, comprises:
the first receiving module is used for receiving an online account opening request initiated by a user through a 5G message, wherein the online account opening request comprises a user mobile phone number and an SIM card identifier;
the first sending module is used for sending a real-name authentication information acquisition request to an operator 5G message center, wherein the real-name authentication information acquisition request is used for indicating to acquire user real-name authentication information corresponding to a user mobile phone number and an SIM card identifier;
the second receiving module is used for receiving the user real-name authentication information returned by the operator 5G message center;
the network checking module is used for performing network checking on the user real-name authentication information;
and the online account opening module is used for performing online account opening based on the mobile phone number of the user and the real-name authentication information of the user under the condition that the networking check result is that the verification passes.
9. The device of claim 8, further comprising a face information checking module, configured to, before the online account opening module performs online account opening based on the mobile phone number of the user and the real-name authentication information of the user:
sending a request for acquiring the face information of the user in an IVR service mode of a 5G video to the user under the condition that the networking check result is that the verification is passed;
checking user face information submitted by a user through an IVR service of a 5G video;
an online account opening module for:
and under the condition that the face information of the user passes the verification, performing online account opening based on the mobile phone number of the user and the real-name authentication information of the user.
10. The apparatus of claim 8, wherein the 5G message is an encrypted 5G message.
11. The apparatus of claim 8, further comprising a second sending module, configured to, before the first receiving module receives an online account opening request initiated by a user through a 5G message:
sending notification information to an operator 5G message center, wherein the notification information is used for indicating the operator 5G message center to send a 5G message for transacting the online account opening service to a specified user, the notification information comprises a user mobile phone number, and the specified user is a user corresponding to the user mobile phone number;
a first receiving module to:
and receiving an online account opening request initiated by a user according to the 5G message for transacting the online account opening service.
12. An online account opening device, which is applied to a carrier 5G message center, and comprises:
the first receiving module is used for receiving a real-name authentication information acquisition request sent by a bank online account opening system after a user initiates an online account opening request through a 5G message, wherein the real-name authentication information acquisition request comprises a user mobile phone number and an SIM card identifier;
the inquiry module is used for inquiring whether the mobile phone number of the user is related to the SIM card identification;
the information acquisition module is used for acquiring user real-name authentication information corresponding to the user mobile phone number and the SIM card identification under the condition that the user mobile phone number is associated with the SIM card identification;
and the first sending module is used for sending the real-name authentication information of the user to the bank online account opening system.
13. The apparatus of claim 12, further comprising:
the second receiving module is used for receiving notification information sent by the bank online account opening system, wherein the notification information is used for indicating that 5G information for handling online account opening business is sent to a specified user, and the notification information comprises a mobile phone number of the user;
the 5G message generating module is used for generating a 5G message for transacting the online account opening service according to the notification information;
and the 5G message sending module is used for sending the 5G message of the online account opening service to the user terminal corresponding to the mobile phone number of the user.
14. The apparatus of claim 12, further comprising an encryption module, configured to, before the 5G message sending module sends the 5G message of the online account opening service to the user terminal corresponding to the mobile phone number of the user:
encrypting the 5G message of the online account opening service;
the 5G message sending module comprises:
and sending the encrypted 5G message of the online account opening service to a user corresponding to the mobile phone number of the user.
15. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the method of any one of claims 1 to 7 when executing the computer program.
16. A computer-readable storage medium, characterized in that the computer-readable storage medium stores a computer program for executing the method of any one of claims 1 to 7.
17. A computer program product, characterized in that the computer program product comprises a computer program which, when being executed by a processor, carries out the method of any one of claims 1 to 7.
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