WO2017054481A1 - 一种信息验证和处理方法、装置、以及信息处理*** - Google Patents

一种信息验证和处理方法、装置、以及信息处理*** Download PDF

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Publication number
WO2017054481A1
WO2017054481A1 PCT/CN2016/083920 CN2016083920W WO2017054481A1 WO 2017054481 A1 WO2017054481 A1 WO 2017054481A1 CN 2016083920 W CN2016083920 W CN 2016083920W WO 2017054481 A1 WO2017054481 A1 WO 2017054481A1
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WO
WIPO (PCT)
Prior art keywords
information
verification
identity information
user
data platform
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Application number
PCT/CN2016/083920
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English (en)
French (fr)
Inventor
韦德志
郭懿心
郑伟涛
吴文勤
王兆创
王�章
Original Assignee
腾讯科技（深圳）有限公司
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Publication of WO2017054481A1 publication Critical patent/WO2017054481A1/zh

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Classifications

    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
    • H04L9/32—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment

Definitions

  • the present invention relates to the field of communications technologies, and in particular, to an information verification and processing method, apparatus, and information processing system.
  • the bank outlets handle the account opening business, that is, the way of opening an account offline, for the user, there are problems of complicated operation, wasted time, and poor experience; for the bank, there is a problem of wasting a lot of human resources and inefficient account opening.
  • Online account opening means that users do not need to go to the bank outlets. To open an account, you only need to exchange data with the bank's server through a terminal (such as a mobile phone or a computer) to handle the account opening business. It can be seen that online account opening can make it easy for users to open an account opening business, and can also save a lot of human resources for the bank, and can improve the efficiency of the bank to open an account opening business.
  • the present invention provides the following technical solutions:
  • An embodiment of the present invention provides an information verification method, including the following steps:
  • An embodiment of the present invention further provides an information processing method, including the following steps:
  • An embodiment of the present invention further provides an information verification apparatus, including: a first receiving module, an obtaining module, a verification module, and a first sending module;
  • the first receiving module is configured to receive an information verification request sent by the network server, where the information verification request carries the first identity information of the user, and is sent by the network server after receiving the account opening request of the user;
  • the obtaining module is configured to acquire second identity information of the user stored by the network data platform, where the second identity information is identity information that is authenticated by the network data platform real name;
  • a verification module configured to verify the first identity information according to the second identity information
  • the first sending module is configured to send the verification result of the verification module to the network server, so that the network server processes the account opening request according to the verification result.
  • An embodiment of the present invention further provides an information processing apparatus, including: a first receiving module, a sending module, a second receiving module, and an account opening processing module;
  • the first receiving module is configured to receive an account opening request sent by the terminal, where the account opening request carries the first identity information of the user;
  • the sending module is configured to send an information verification request to the network data platform according to the account opening request, where the information verification request carries the first identity information of the user;
  • the second receiving module is configured to receive a verification result returned by the network data platform according to the information verification request, where the verification result is obtained by the network data platform verifying the first identity information according to the second identity information, where
  • the second identity information is identity information that is authenticated by the network data platform;
  • the account opening processing module is configured to:
  • An embodiment of the present invention further provides an information processing method, including the following steps:
  • the network data platform After receiving the information verification request, the network data platform acquires the second identity information of the user that is stored, and the second identity information is identity information that is authenticated by the network data platform.
  • the network data platform verifies the first identity information according to the second identity information to obtain a verification result; and sends the verification result to the network server;
  • the network server processes the account opening request if the verification result is the verification pass, and refuses to process the account opening request if the verification result is that the verification fails.
  • An embodiment of the present invention further provides an information processing system, including: a network server and a network data platform;
  • the network server is configured to receive an account opening request sent by the user's terminal, where the account opening request carries the first identity information of the user; and send an information verification request to the network data platform according to the account opening request, where the information verification request is carried The first identity information of the user; and in the case that the verification result is a verification pass, the account opening request is processed, and if the verification result is that the verification fails, the account opening request is refused deal with;
  • the network data platform is configured to obtain, after receiving the information verification request, the second identity information of the user that is stored, where the second identity information is identity information that is authenticated by the network data platform. And verifying the first identity information according to the second identity information to obtain a verification result; and sending the verification result to the network server.
  • Embodiments of the present invention also provide a storage medium, wherein the storage medium stores therein processor-executable instructions for performing the following operations:
  • the embodiment of the present invention provides an information verification and processing method, an apparatus, and an information processing system.
  • the information verification method provided by the embodiment of the present invention acquires a network data platform storage when receiving the first identity information of the user sent by the network server.
  • the second identity information of the user, the second identity information is identity information that is authenticated by the network data platform, and then the first identity information is verified according to the second identity information to obtain verification.
  • the verification result is sent to the network server, so that the network server performs the account opening process.
  • the information verification method provided by the embodiment of the present invention can be received according to the identity information stored by the network data platform.
  • the identity information is verified to identify the authenticity of the identity information, thereby providing a basis for the bank server to open a account for the user to open an account online; since the identity information stored by the network data platform is authenticated by the real name, the network data is adopted. Identity information stored by the platform The received identity information is verified, and the authenticity of the received identity information can be accurately identified; the information verification method of the present invention can be applied to online account opening, which can be used to identify the authenticity of the user identity information, and ensure that the bank is Users who transmit real identity information can open a bank account, which avoids a series of problems brought by the bank for users who use false identity information. It can greatly improve the accuracy and security of information under the premise of simplifying user operations and improving account opening efficiency. .
  • FIG. 1 is a schematic flowchart of an information verification method according to an embodiment of the present invention.
  • FIG. 2 is a schematic flowchart of another information verification method according to an embodiment of the present invention.
  • FIG. 3 is a schematic flowchart diagram of an information processing method according to an embodiment of the present disclosure.
  • FIG. 4 is a schematic flowchart diagram of another information processing method according to an embodiment of the present disclosure.
  • FIG. 5 is a schematic structural diagram of a first information verification apparatus according to an embodiment of the present disclosure.
  • FIG. 6 is a schematic structural diagram of a second information verification apparatus according to an embodiment of the present disclosure.
  • FIG. 7 is a schematic structural diagram of a third information verification apparatus according to an embodiment of the present invention.
  • FIG. 8 is a schematic structural diagram of an information processing apparatus according to an embodiment of the present disclosure.
  • FIG. 9 is a schematic structural diagram of another information processing apparatus according to an embodiment of the present disclosure.
  • FIG. 10 is a schematic flowchart diagram of still another information processing method according to an embodiment of the present disclosure.
  • FIG. 11 is a schematic structural diagram of an information processing system according to an embodiment of the present disclosure.
  • FIG. 12 is a schematic flowchart of an online account opening according to an embodiment of the present invention.
  • FIG. 13 is a schematic structural diagram of a server according to an embodiment of the present disclosure.
  • FIG. 14 is a schematic structural diagram of another server according to an embodiment of the present invention.
  • Embodiments of the present invention provide a method, an apparatus, and an information processing system for information verification and processing. The details will be described separately below.
  • the embodiment provides an information verification method, as shown in FIG. 1 , including the following steps:
  • Step 101 Receive an information verification request sent by a network server, where the information verification request carries the first identity information of the user, and is sent by the network server after receiving the account opening request of the user.
  • the first identity information includes: name information and identity card information, driver's license information, or passport information, or social security number, or residence permit information, or utility bill information;
  • the network server may be a network server of the bank, and is used for data processing to implement processing or processing of various banking services, such as account opening, transfer, loan, and the like.
  • the information verification request is sent by the network server according to the account opening request after receiving the account opening request sent by the user terminal; the information verification information carries information such as the first identity information.
  • the executor of the step 101 may be a device or a data platform outside the network server.
  • the network server may obtain the first identity information by using the verification request. Send to a device or data platform outside the web server.
  • Step 102 Acquire second identity information of the user stored by the network data platform, where the second identity information is identity information that is authenticated by the network data platform.
  • the network data platform in this embodiment may be a network data platform (referred to as a third-party payment platform) provided by a third-party payment institution, and used to process network data to implement a third-party payment function, for example, may be Alipay or wealth.
  • the data platform may be a network data platform (referred to as a third-party payment platform) provided by a third-party payment institution, and used to process network data to implement a third-party payment function, for example, may be Alipay or wealth.
  • the data platform may be a network data platform (referred to as a third-party payment platform) provided by a third-party payment institution, and used to process network data to implement a third-party payment function, for example, may be Alipay or wealth.
  • the third-party payment platform will require the user to input identity information (such as name and ID card), and the third-party payment platform performs real-name authentication on the identity information input by the user.
  • identity information such as name and ID card
  • the third-party payment platform performs real-name authentication on the identity information input by the user.
  • the user is allowed to perform the transaction on the third-party payment platform. Therefore, in this embodiment, the network data platform stores the identity information of the user, and the identity information is the identity information authenticated by the real-name authentication of the network data platform, so the second in this embodiment.
  • the identity information is the user's true identity information.
  • the process of real-name authentication of the identity information by the network data platform may be: the network data platform sends the identity information to the public security system, and the public security system performs real-name authentication.
  • step 102 may specifically include:
  • the stored second identity information of the user is obtained from the network data platform.
  • the process of obtaining the identity information is as follows:
  • the method in this embodiment can obtain the identity information from the network data platform only after the authentication information is verified.
  • the authentication information in this embodiment may include: account information and password information of the user on the network data platform, used to log in to the network data platform, that is, login information, to perform transactions; for example, the user's Alipay account or password.
  • the manner in which the network data platform obtains the authentication information of the user in the embodiment may include at least one of the first mode and the second mode:
  • the first mode is: receiving authentication information sent by the user's terminal.
  • the user terminal may send the authentication information on the network data platform to the network data platform after sending the identity information to the network server, so that the user can extract Identity information stored by the network data platform;
  • the second method is: the authentication information sent by the network server; specifically, the user can send the authentication information to the network server, and the network server sends the information to the network platform through a data interface with the network data platform.
  • the authentication information in this embodiment may also include only the password of the user on the network data platform; in this case, the process of obtaining the authentication information of the user by the network data platform includes:
  • the execution body of the method in this embodiment is a network data platform
  • the identity information of the user since the identity information of the user is received in advance, the account information of the corresponding user on the network data platform may be found according to the identity information, such as a name; but considering data security and privacy
  • the password information also needs to be sent by the user terminal.
  • Step 103 Verify the first identity information according to the second identity information, to obtain a verification result.
  • step 103 includes:
  • the verification result is a pass
  • the verification result is not passed.
  • Step 104 Send the verification result to the network server, so that the network server processes the account opening request according to the verification result.
  • the steps 101-104 can be completed by the network data platform.
  • the bank server receives the account opening request sent by the user terminal, and then sends the first identity information carried by the account opening request to the network data platform through the verification request.
  • the verification is performed by the network data platform, and the verification result is sent to the bank server, so that the bank server determines whether to open the account for the user, that is, whether to process the account opening request.
  • the verification result in this embodiment includes: the verification pass or the verification fails the two cases; when the verification result is the pass, it is further required to determine whether the user is the user himself or herself, specifically, before step 104, the embodiment is
  • the information verification method may further include:
  • the method in this embodiment may determine whether the current user is the user by sending the verification information, and the verification information may be a verification code, for example, “123456”.
  • the method for sending the authentication information to the user terminal may be multiple.
  • the network data platform for example, the third-party payment platform needs to store the communication identifier of the user, and sends the information to the user's terminal.
  • the verification information is sent to the user terminal by using the communication identifier stored in the network data platform.
  • the process of sending the verification information to the terminal of the user in the embodiment may include:
  • the communication identifier may include: a phone number, an email address, or an instant messaging account.
  • the phone number of the user stored by the third-party payment platform may be obtained, and then the short message verification code is sent to the user according to the phone number. Terminal to determine if the current user is the user himself.
  • the information verification method provided in this embodiment can be applied to a network data platform, such as a third-party payment platform.
  • the information verification method provided by the embodiment can verify the received identity information according to the identity information stored by the network data platform. Since the identity information stored by the network data platform is authenticated by the real name, the network data platform is adopted. The stored identity information verifies the received identity information, and can identify the authenticity of the received identity information.
  • the information verification method of the present invention can be applied to online account opening to identify the authenticity of the user identity information and ensure Banks open accounts for users who transmit real identity information, which avoids a series of problems caused by banks opening accounts for users who use false identity information.
  • the information verification method of this embodiment is also easy to implement, low in cost and wide in scope of application. advantage.
  • the information verification method of the embodiment further determines whether the current user is the user by issuing the verification information before returning the verification result to the network server, and the application of the online account opening process can prevent the use of the real identity information of the other party.
  • the opening of the account has increased the reliability of online account opening.
  • the embodiment further provides another information verification method.
  • the execution body of the method may be a network data platform or other device, and includes the following steps:
  • Step 201 Receive an information verification request sent by a network server, where the information verification request carries the first identity information of the user.
  • the network server is a server provided by the bank for realizing various banking services, wherein the first identity information includes name information and identity card information, driver's license information, or passport information, or social security number, or residence permit information, or Water and electricity bill information, etc.
  • the information verification request carries the first identity information of the user, and is sent by the network server after receiving the account opening request of the user.
  • Step 202 Receive authentication information sent by the first terminal of the user, where the authentication information is an authentication information that is granted to the network data platform by the network data platform, and is used to log in to the network data platform.
  • the network data platform may be a data platform for implementing a third-party payment function, that is, a third-party payment platform;
  • the authentication information may be an account and a password for logging in to the network data platform, such as an Alipay account and a password. That is, the authentication information in this embodiment may be login information.
  • the terminal that sends the authentication information in the embodiment may be the same terminal as the terminal that initiates the account opening request to the network server.
  • the terminal that initiates the account opening request may be the same terminal as the terminal that initiates the account opening request to the network server.
  • the terminal that initiates the account opening request may be the same terminal as the terminal that initiates the account opening request to the network server.
  • the bank server After submitting the account opening application, an account opening request is sent to the bank server, and after receiving the account opening request, the bank server generates a message verification request carrying the first identity information, and sends the request to the third party payment platform; the user clicks “Submit Account Opening” After the application, the user enters the page for inputting the authentication information of the third-party payment platform, and the user inputs the corresponding authentication information on the page, and the computer sends it to the bank server and the third-party payment platform to forward it to the third-party payment platform.
  • the sending authentication information is the same terminal as the terminal that initiated the account opening request.
  • the terminal that sends the authentication information and the terminal that initiates the account opening request to the network server may be different terminals; that is, for example, the user uses the computer to open an account, and uses the mobile phone to send the authentication information to the network data platform (for example, in the wealth Enter the login information in the Pass or Alipay App and send it to the Fortune or Alipay data platform by mobile phone.
  • the network data platform for example, in the wealth Enter the login information in the Pass or Alipay App and send it to the Fortune or Alipay data platform by mobile phone.
  • Step 203 Perform verification on the authentication information. If the authentication information is verified, go to step 204. If the verification of the authentication information fails, the process ends or the user is authenticated. failure.
  • the account and password used to log in to the network data platform can be verified, for example, whether the account and the password match, and the like.
  • Step 204 Acquire, from the network data platform, the second identity information of the user that is stored by the network data platform, where the second identity information is identity information that is authenticated by the network data platform.
  • the second identity information of the user may be extracted from the storage unit of the network data platform according to the authentication information (for example, the account information), for example, after receiving the Alipay account and the password of the user, the account may be based on the Alipay account of the user. Find the corresponding identity information in the database.
  • the authentication information for example, the account information
  • the account may be based on the Alipay account of the user. Find the corresponding identity information in the database.
  • Step 205 The first identity information is compared with the second identity information to determine whether the first identity information and the second identity information are the same. If the verification is the same, the process proceeds to step 206. If not, If the verification fails, go to step 209.
  • Step 206 Acquire a communication identifier corresponding to the user stored in the network data platform, and send verification information to the second terminal of the user according to the communication identifier.
  • the communication identifier includes: a phone number, an email address, or an instant messaging account; therefore, the step may send the verification information to the user terminal by using a short message or an email.
  • the second terminal may be the same terminal as the first terminal, or may be a different terminal; for example, the user uses a computer to perform online account opening, and the third payment platform may send the verification information to the third payment platform.
  • the user's mobile phone such as verifying the SMS
  • sending the verification information to the user's computer for example, the user logs in to the mailbox through the computer to receive the verification email.
  • Step 207 Receive verification information fed back by the first terminal.
  • the user when the user opens the account with the computer, the user can input the verification information on the account opening page of the computer after receiving the verification message on the mobile phone, and send the verification information to the network data platform through the interface between the network server and the network data platform.
  • Step 208 Compare the sent verification information with the received verification information. If they are the same, go to step 209.
  • the method in this embodiment may send and verify different verification results to the network server, or may prompt the user to verify the code input error, request the user to resend, and end when the number of times the user sends the verification code reaches a certain value. Process.
  • Step 209 Send the verification result to the network server, so that the network server processes the account opening request according to the verification result.
  • the network server may process the account opening request and complete the account opening.
  • the network server may refuse to process the account opening request.
  • the information verification method provided in this embodiment can be applied to online account opening, which is used to identify the authenticity of the account opening identity information, provide a basis for the bank server to open a user account, improve the security of account opening and account opening efficiency, and has convenient implementation. Low cost and other advantages.
  • this embodiment provides an information processing method, which can be applied to a network server such as a bank server, and includes the following steps:
  • Step 301 Receive an account opening request sent by the terminal, where the account opening request carries the first identity information of the user.
  • the user logs in to the account opening page provided by the bank server through the computer, and then inputs the identity information on the account opening page.
  • the computer After submitting the account opening application, the computer generates an account opening request and sends the account request to the bank server, wherein the account opening request carries the user identity information, etc.
  • the information includes: user name and user ID card, driver's license information, or passport information, or social security number, or residence permit information, or utility bill information.
  • Step 302 Send an information verification request to the network data platform according to the account opening request, where the information verification request carries the first identity information of the user.
  • the bank server After receiving the account opening request, the bank server extracts the identity information of the user from the account opening request, and then sends an information verification request carrying the identity information to the network data platform, and the network data platform verifies the identity information.
  • Step 303 Receive a verification result returned by the network data platform according to the information verification request, where the verification result is obtained by the network data platform verifying the first identity information according to the second identity information, where the second identity information is The identity information of the real-name authentication of the network data platform.
  • the network data platform After receiving the first identity information, the network data platform acquires the second identity information of the user authenticated by the real name, and then verifies the first identity information according to the second identity information, and sends the verification result to the bank server; for example, the bank
  • the bank server sends an information verification request carrying the identity information to the third-party payment platform, and the third-party payment platform finds out from the storage after receiving the information verification request.
  • the user's real-name authenticated identity information, and the received identity information is verified by the found identity information, and then the verification result is sent to the bank server.
  • Step 304 If the verification result is that the verification is passed, the account opening request is processed; if the verification result is that the verification fails, the account opening request is refused to be processed.
  • the bank server After receiving the verification result, the bank server performs different operations according to the verification result.
  • the account opening request is processed, for example, generating an account information, and the account information and the first An identity information binding; the account information is sent to the terminal; when the verification result is that the verification fails, the bank server may refuse to process the account opening request, that is, the account opening fails.
  • the result of the account opening failure may also be returned to the user, specifically, the account opening failure is prompted in the account opening page, and the reason for the failure is given.
  • the information processing method is applied to the online account opening process, and when the user inputs the identity information to open an account, the account opening identity information is sent to the third-party payment platform for verification, that is, the authenticity of the account opening identity information is identified by the third-party payment platform. According to the verification result returned by the third-party payment platform, it is judged whether to open the account for the user, and the information processing method of the present invention can improve the security of online account opening and the efficiency of opening an account.
  • the information processing method in this embodiment includes the following steps:
  • Step 401 Receive an account opening request sent by the terminal, where the account opening request carries the first identity information of the user.
  • Step 402 Send an information verification request to the network data platform according to the account opening request, where the information verification request carries the first identity information of the user.
  • Step 403 Receive a verification result returned by the network data platform according to the information verification request, where the verification result is obtained by the network data platform verifying the first identity information according to the second identity information, where the second identity information is The identity information of the real-name authentication of the network data platform.
  • step 404 it is determined whether the verification result is a verification pass. If yes, step 405 is performed, and if no, step 408 is performed.
  • Step 405 Acquire the credit data of the user.
  • the credit information can be obtained from the central bank's credit information system, including: loan records, repayment records, and credit card related data.
  • Step 406 Determine, according to the credit information, whether the credit of the user meets the preset credit condition. If yes, execute step 407. If no, execute step 408.
  • the user obtains the credit rating according to the preset information level division rule, and then compares the credit rating with the minimum credit rating required to open the account, and if less than the lowest credit rating, determines not The preset credit condition is met, and if it is greater than or equal to the lowest credit level, it is determined that the preset credit condition is satisfied.
  • step 407 the account opening request is processed.
  • step 408 the processing of the account opening request is refused.
  • the network server processes the account opening request.
  • the information processing method of the embodiment is applied to the online account opening process, and after the user identity information is verified, the user's credit needs to be judged, thereby avoiding the situation of opening a account for a bad credit user, and reducing the bank. risk.
  • the present embodiment provides an information verification apparatus, which can be applied to a network data platform, as shown in FIG. 5, including: a first receiving module 501, an obtaining module 502, a verification module 503, and a first sending module 504;
  • the first receiving module 501 is configured to receive an information verification request sent by the network server, where the information verification request carries the first identity information of the user, and is sent by the network server after receiving the account opening request of the user;
  • the obtaining module 502 is configured to acquire second identity information of the user that is stored by the network data platform, where the second identity information is identity information that is authenticated by the network data platform.
  • the verification module 503 is configured to verify the first identity information according to the second identity information.
  • the first sending module 504 is configured to send the verification result of the verification module 503 to the network server, so that the network server processes the account opening request according to the verification result.
  • the verification module is configured to:
  • the first identity information is different from the second identity information, it is determined that the first identity information is not verified.
  • the obtaining module 502 in this embodiment includes: an authentication information obtaining sub-module 5021, a verification sub-module 5022, and an identity information obtaining sub-module 5023;
  • the authentication information obtaining sub-module 5021 is configured to obtain authentication information that is granted by the network data platform to the user, where the authentication information is used to log in to the network data platform;
  • the verification submodule 5022 is configured to verify the authentication information.
  • the identity information obtaining sub-module 5023 is configured to obtain, from the network data platform, the stored second identity information of the user, if the verification sub-module 5022 verifies the authentication information. .
  • the information verification apparatus of this embodiment may further include: a second sending module 505, a second receiving module 506, and a comparing module 507;
  • the second sending module 505 is configured to send verification information to the terminal of the user
  • the second receiving module 506 is configured to receive verification information fed back by the terminal
  • the comparing module 507 is configured to compare the sent verification information with the received verification information to determine whether the sent verification information is the same as the received verification information.
  • the first sending module 504 is configured to: when the verification result of the verification module 503 is passed, and the comparison module 507 determines that the sent verification information is the same as the received verification information, the verification result of the verification module 503 is Sent to the web server.
  • the information verification apparatus provided in this embodiment can be applied to a network data platform, which can verify the received identity information according to the identity information stored by the network data platform. Since the identity information stored by the network data platform is authenticated by a real name, The identity information stored by the network data platform is used to verify the received identity information, and the authenticity of the received identity information can be identified; the information verification device of the present invention can be applied to online account opening to identify the user identity information. The authenticity of the bank ensures that the bank opens an account for the user who transmits the real identity information, and avoids a series of problems caused by the bank opening the account for the user who uses the false identity information. In addition, the information verification device of the embodiment is easy to implement and has low cost. The advantages of a wide range of applications.
  • the information verification apparatus of the embodiment further determines whether the current user is the user by issuing the verification information before returning the verification result to the network server, and the application of the online account opening process can prevent the use of the real identity information of the other party.
  • the opening of the account has increased the reliability of online account opening.
  • the embodiment provides an information processing apparatus, which can be applied to a network server such as a bank server, and includes: a first receiving module 801, a sending module 802, a second receiving module 803, and an account opening processing module 804;
  • the first receiving module 801 is configured to receive an account opening request sent by the terminal, where the account opening request carries the first identity information of the user; specifically, the user logs in to the account opening page provided by the bank server through the computer, and then inputs the identity on the account opening page.
  • the information after submitting the account opening application, the computer generates an account opening request and sends it to the first receiving module 801 in the bank server, wherein the account opening request carries the user's identity information, etc., wherein the identity information includes: the user name and the user ID card and the like.
  • the sending module 802 is configured to send an information verification request to the network data platform according to the account opening request, where the verification request carries the first identity information of the user; specifically, the sending module 802 in the bank server extracts the account opening request The first identity information is generated, and the information verification request carrying the first identity information is sent to the network data platform for verification;
  • the second receiving module 803 is configured to receive a verification result returned by the network data platform according to the information verification request, where the verification result is obtained by the network data platform verifying the first identity information according to the second identity information.
  • the second identity information is identity information that is authenticated by the network data platform; specifically, the second receiving module 803 in the bank server can obtain the verification result from the network data platform by using a network communication protocol;
  • the account opening processing module 804 is configured to:
  • the information processing device is implemented in the bank server for online account opening.
  • the account opening identity information is sent to the third-party payment platform for verification, that is, the third-party payment platform is used to identify the account opening identity information.
  • the application of the information processing device of the present invention can improve the security of online account opening and the efficiency of account opening.
  • the information processing apparatus of the embodiment further includes: a credit judgment module 805;
  • the credit determination module 805 is configured to:
  • the account opening processing module 804 is specifically configured to process the account opening request if the verification result is a verification pass and the information determining module determines to be YES.
  • the information processing apparatus shown in FIG. 9 needs to judge the credit of the user after verifying the user identity information, thereby avoiding the situation of opening a account for a user with bad credit, reducing the risk of the bank, and improving the security of the account opening.
  • This embodiment provides an information processing method, as shown in FIG. 10, including the following steps:
  • Step 111 The network server receives an account opening request sent by the user's terminal, where the account opening request carries the first identity information of the user.
  • the network server is preferably a server provided by the bank for implementing banking services;
  • the first identity information preferably includes: name information and identity card information.
  • the user can initiate an account opening request to the network server online, for example, the user logs in to the network server of the bank through the terminal, and enters the identity information in the account opening interface provided by the network server to apply for opening an account, and then the terminal generates a corresponding account opening request to send.
  • the account opening request includes the first identity information of the user.
  • Step 112 The network server sends a information verification request to the network data platform according to the account opening request, where the information verification request carries the first identity information of the user.
  • the network data platform may be a network data platform (referred to as a third-party payment platform) provided by a third-party payment institution for processing network data to implement a third-party payment function, such as data that can be Alipay or Fortune. platform.
  • a third-party payment platform a network data platform (referred to as a third-party payment platform) provided by a third-party payment institution for processing network data to implement a third-party payment function, such as data that can be Alipay or Fortune. platform.
  • the network server of the bank may send the identity information of the user to a network data platform, such as a third-party payment platform, for verification to determine the authenticity of the identity information input by the user.
  • a network data platform such as a third-party payment platform
  • Step 113 After receiving the information verification request, the network data platform acquires the second identity information of the user that is stored, and the second identity information is identity information that is authenticated by the network data platform.
  • step 113 includes:
  • the network data platform obtains the authentication information that is granted to the user, and the authentication information is used to log in to the network data platform; for example, receiving the authentication information sent by the terminal of the user or receiving the sending by the network server.
  • the authentication information ;
  • the network data platform performs verification on the authentication information
  • the network data platform invokes the second identity information of the user from the storage.
  • the third-party payment platform obtains the authentication information of the user on the third-party payment platform, including: account information and password information, and then checks the account information and the password information. If the verification is passed, the third-party payment platform is The second identity information of the user is invoked in the storage, and the second identity information is identity information that is authenticated by the third payment platform, that is, the real identity information.
  • the third-party payment platform After receiving the identity information of the user, the third-party payment platform searches for the corresponding account information according to the identity information, and then receives the password information corresponding to the account information sent by the user terminal, and performs verification on the password information, if the verification is performed.
  • the second identity information of the user that is, the real identity information, is called from the storage.
  • the user can input the authentication information of the network data platform in the account opening interface provided by the network server, and then the terminal sends the authentication information to the network data platform; for example, after the user inputs the identity information in the account opening interface provided by the bank server.
  • the account opening interface provides a login interface of the third payment platform. The user inputs the account and password of the third-party payment platform on the login interface, and sends the certificate to the third-party payment platform through the server of the bank or directly by the terminal.
  • Step 114 The network data platform verifies the first identity information according to the second identity information to obtain a verification result, and sends the verification result to the network server.
  • the network data platform stores the second identity information of the user.
  • the network data platform may invoke the stored identity information to verify the identity information sent by the network server, specifically, the storage device.
  • the identity information is compared with the received identity information.
  • the verification result of the first identity information verification includes or fails to pass the two situations; specifically, in the case that the verification result is passed, the method of the embodiment sends the verification result to the network server. You also need to determine whether the current user is the user.
  • the specific implementation can include:
  • the network data platform sends verification information to the terminal of the user
  • the network data platform receives the verification information fed back by the terminal
  • the network data platform compares the sent verification information with the received verification information to determine whether the transmitted verification information is identical to the received verification information
  • the verification result that is passed for verification is sent to the network server to notify the network server that the current user identity information is authentic, and then the network server is opened for opening.
  • the verification result may not be sent to the network server, or the verification result that is not verified may be sent to the network server, so as to prevent others from using the user identity information to open an account. The situation arises.
  • Step 115 The network server processes the account opening request if the verification result is that the verification is passed, and refuses to process the account opening request if the verification result is that the verification fails.
  • the verification result When the verification result is the verification, it indicates that the current network server currently receives the identity information is true. At this time, the network server performs data processing related to the account opening according to the first identity information, for example, assigning a bank account to the user, binding. Data processing such as identity information and account information is processed, and the result of the processing is returned to the user terminal.
  • the network server performs the account opening according to the first identity information.
  • the information processing method further includes:
  • the network server acquires the credit information of the user
  • the user obtains the credit rating according to the preset information level division rule, and then compares the credit rating with the minimum credit rating required to open the account, and if less than the lowest credit rating, determines not The preset credit condition is met, and if it is greater than or equal to the lowest credit level, it is determined that the preset credit condition is satisfied.
  • the network server performs data processing related to the account opening according to the first identity information.
  • applying the information processing method of the embodiment to the online account opening process can also avoid the situation of opening a account for a user with bad credit, and reducing the risk of the bank.
  • the embodiment further provides an information processing system, including: a network server 10 and a network data platform 11;
  • the network server 10 is configured to receive an account opening request sent by the terminal of the user, where the account opening request carries the first identity information of the user, and send an information verification request to the network data platform 11 according to the account opening request, where the information verification request carries The first identity information of the user; and in the case that the verification result is a verification pass, the account opening request is processed, and if the verification result is that the verification fails, the account opening request is refused deal with;
  • the network data platform 11 is configured to obtain, after receiving the information verification request, the second identity information of the user that is stored, where the second identity information is identity information that is authenticated by the network data platform 11; And verifying the first identity information according to the second identity information to obtain a verification result; and sending the verification result to the network server 10.
  • the network server 10 may be a bank server
  • the network data platform 11 may be a third party payment platform.
  • the following describes the specific process of applying the information processing method of the embodiment to implement online account opening, which involves a user terminal, a network server of a bank, a network data platform of a third-party payment institution, and a credit data server, as shown in FIG. 12 .
  • the process of opening an online account includes the following steps:
  • Step 121 The user terminal initiates an account opening request to the network server, where the account opening request carries the identity information of the user.
  • Step 122 The network server receives the account opening request, and sends an information verification request to the network data platform according to the account opening request, where the information verification request carries the identity information.
  • Step 123 The user terminal sends the authentication information to the network data platform, where the authentication information is used to log in to the network data platform, and specifically includes account information and password information.
  • Step 124 After receiving the identity information, the network data platform verifies the authentication information. If the verification succeeds, step 125 is performed.
  • the process ends or the user authentication information is prompted to be incorrect.
  • Step 125 The network data platform extracts the real identity information of the user from the storage, and compares the real identity information with the received identity information to verify the received identity information. If the information is the same, indicating that the verification is passed, Step 126 is executed. If the information is different, indicating that the verification fails, step 131 is performed.
  • Step 126 The network data platform obtains the communication identifier of the user from the storage, and sends a verification code to the user terminal according to the communication identifier.
  • an SMS verification code is sent to the user terminal, or a verification code is sent by email.
  • the user terminal in this step and the terminal that initiates the account opening request may be the same terminal, or may be different terminals, such as a mobile phone and a computer.
  • Step 127 The user terminal replies to the network data platform with a corresponding verification code.
  • step 128 the network data platform compares the issued verification code with the verification code replied by the user terminal. If they are consistent, step 129 is performed.
  • the account opening process is terminated, or the network server is notified that the account is not allowed to open the account, or the user is prompted to verify the code error, and requests whether to re-issue the verification code.
  • Step 129 The network data platform sends the verification result of the verification to the network server.
  • Step 130 The network server acquires the credit data of the user from the credit data server.
  • Step 131 The network server determines, according to the credit information, whether the credit of the user meets the preset credit condition. If yes, step 132 is performed. If not, step 134 is performed.
  • the network server if the default credit condition is not satisfied, the network server is not allowed to open an account, and the account opening result information that fails to open the account is returned to the user terminal.
  • Step 132 The network server processes the account opening request, and returns the processed result to the user terminal, and ends the account opening process.
  • Step 133 The network data platform sends a verification result that fails verification to the network server.
  • step 134 the network server refuses to process the account opening request, and returns the result information of the account opening failure to the user terminal.
  • the information processing method provided in this embodiment can realize online account opening, which not only solves the troubles of the user opening an account at the bank outlet, but also improves the user experience, and also saves the bank's human resources and improves the efficiency of account opening.
  • the embodiment further provides a network data platform, which may be composed of a server. Therefore, the network data platform described below may be the server; wherein the server may integrate the implementation of the present invention.
  • the information verification device of the example shows a schematic structural diagram of a server according to an embodiment of the present invention, specifically:
  • the server may include one or more processors 1001 of processing cores, a memory 1002 of one or more computer readable storage media, and a radio frequency (Radio) Frequency, RF) circuit 1003, power supply 1004, input unit 1005, and display unit 1006 and the like.
  • processors 1001 of processing cores a memory 1002 of one or more computer readable storage media
  • RF radio frequency
  • the processor 1001 is the control center of the server, connecting various portions of the entire server using various interfaces and lines, by running or executing software programs and/or modules stored in the memory 1002, and recalling data stored in the memory 1002, Execute the server's various functions and process data to monitor the server as a whole.
  • the processor 1001 may include one or more processing cores; preferably, the processor 1001 may integrate an application processor and a modem processor, where the application processor mainly processes an operating system, a user interface, an application, and the like.
  • the modem processor primarily handles wireless communications. It can be understood that the above modem processor may not be integrated into the processor 1001.
  • the memory 1002 can be used to store software programs and modules, and the processor 1001 executes various functional applications and data processing by running software programs and modules stored in the memory 1002.
  • the memory 1002 may mainly include a storage program area and a storage data area, wherein the storage program area may store an operating system, an application required for at least one function (such as a sound playing function, an image playing function, etc.), and the like; the storage data area may be stored according to Data created by the use of the server, etc.
  • memory 1002 can include high speed random access memory, and can also include non-volatile memory, such as at least one magnetic disk storage device, flash memory device, or other volatile solid state storage device. Accordingly, the memory 1002 can also include a memory controller to provide access to the memory 1002 by the processor 1001.
  • the RF circuit 1003 can be used for receiving and transmitting signals during the transmission and reception of information. Specifically, after receiving the downlink information of the base station, the downlink information is processed by one or more processors 1001. In addition, the data related to the uplink is sent to the base station.
  • RF circuit 1003 includes, but is not limited to, an antenna, at least one amplifier, a tuner, one or more oscillators, a Subscriber Identity Module (SIM) card, a transceiver, a coupler, a low noise amplifier (LNA, Low) Noise Amplifier), duplexer, etc.
  • SIM Subscriber Identity Module
  • RF circuit 1003 can also communicate with the network and other devices via wireless communication.
  • the wireless communication can use any communication standard or protocol, including but not limited to a global mobile communication system (GSM, Global System of Mobile communication), General Packet Radio Service (GPRS, General Packet Radio) Service), Code Division Multiple Access (CDMA), Wideband Code Division Multiple Access (WCDMA, Wideband Code) Division Multiple Access), Long Term Evolution (LTE), e-mail, short message service (SMS, Short) Messaging Service) and so on.
  • GSM Global System of Mobile communication
  • GPRS General Packet Radio Service
  • GPRS General Packet Radio Service
  • CDMA Code Division Multiple Access
  • WCDMA Wideband Code Division Multiple Access
  • LTE Long Term Evolution
  • SMS Short message service
  • the server also includes a power source 1004 (such as a battery) for powering various components.
  • the power source can be logically coupled to the processor 1001 through a power management system to manage functions such as charging, discharging, and power management through the power management system.
  • the power supply 1004 may also include any one or more of a DC or AC power source, a recharging system, a power failure detection circuit, a power converter or inverter, a power status indicator, and the like.
  • the server can also include an input unit 1005 that can be used to receive input numeric or character information and to generate keyboard, mouse, joystick, optical or trackball signal inputs related to user settings and function controls.
  • an input unit 1005 can be used to receive input numeric or character information and to generate keyboard, mouse, joystick, optical or trackball signal inputs related to user settings and function controls.
  • the server can also include a display unit 1006 that can be used to display information entered by the user or information provided to the user and various graphical user interfaces of the server, which can be composed of graphics, text, icons, video, and It is composed of any combination.
  • the display unit 1008 can include a display panel, and optionally, a liquid crystal display can be used. (LCD, Liquid Crystal Display), Organic Light Emitting Diode (OLED, Organic Light-Emitting) Diode) and other forms to configure the display panel.
  • LCD Liquid Crystal Display
  • OLED Organic Light Emitting Diode
  • the processor 1001 in the server loads the executable file corresponding to the process of one or more applications into the memory 1002 according to the following instructions, and is stored in the memory by the processor 1001.
  • the application in 1002 thus implementing various functions, as follows:
  • the step of: performing verification on the first identity information according to the second identity information to obtain a verification result may include:
  • the first identity information is different from the second identity information, it is determined that the first identity information is not verified.
  • the step of “acquiring the second identity information of the user stored by the network data platform” may include:
  • the stored second identity information of the user is obtained from the network data platform.
  • the following functions are also implemented:
  • the step of “sending verification information to the terminal corresponding to the user” may include:
  • an embodiment of the present invention further provides a network server, where an information processing apparatus according to an embodiment of the present invention may be integrated, as shown in FIG. 14 , which is a schematic structural diagram of a server according to an embodiment of the present invention. Said:
  • the server may include one or more processing core processors 2001, one or more computer readable storage media memories 2002, radio frequency (Radio) Frequency, RF) circuit 2003, power supply 2004, input unit 2005, and display unit 2006 and the like.
  • Radio radio frequency
  • RF radio frequency
  • the processor 2001 is the control center of the server, connecting various parts of the entire server using various interfaces and lines, by running or executing software programs and/or modules stored in the memory 2002, and recalling data stored in the memory 2002, Execute the server's various functions and process data to monitor the server as a whole.
  • the processor 2001 may include one or more processing cores; preferably, the processor 2001 may integrate an application processor and a modem processor, where the application processor mainly processes an operating system, a user interface, an application, and the like.
  • the modem processor primarily handles wireless communications. It can be understood that the above modem processor may not be integrated into the processor 2001.
  • the memory 2002 can be used to store software programs and modules, and the processor 2001 executes various functional applications and data processing by running software programs and modules stored in the memory 2002.
  • the memory 2002 may mainly include a storage program area and a storage data area, wherein the storage program area may store an operating system, an application required for at least one function (such as a sound playing function, an image playing function, etc.), and the like; the storage data area may be stored according to Data created by the use of the server, etc.
  • memory 2002 can include high speed random access memory, and can also include non-volatile memory, such as at least one magnetic disk storage device, flash memory device, or other volatile solid state storage device. Accordingly, memory 2002 may also include a memory controller to provide access to memory 2002 by processor 2001.
  • the RF circuit 2003 can be used for receiving and transmitting signals during the process of transmitting and receiving information.
  • the downlink information is processed by one or more processors 2001; in addition, the data related to the uplink is sent to the base station.
  • RF circuit 2003 includes, but is not limited to, an antenna, at least one amplifier, a tuner, one or more oscillators, a Subscriber Identity Module (SIM) card, a transceiver, a coupler, a low noise amplifier (LNA, Low) Noise Amplifier), duplexer, etc.
  • SIM Subscriber Identity Module
  • the RF circuit 2003 can also communicate with the network and other devices through wireless communication.
  • the wireless communication can use any communication standard or protocol, including but not limited to a global mobile communication system (GSM, Global System of Mobile communication), General Packet Radio Service (GPRS, General Packet Radio) Service), Code Division Multiple Access (CDMA), Wideband Code Division Multiple Access (WCDMA, Wideband Code) Division Multiple Access), Long Term Evolution (LTE), e-mail, short message service (SMS, Short) Messaging Service) and so on.
  • GSM Global System of Mobile communication
  • GPRS General Packet Radio Service
  • GPRS General Packet Radio Service
  • CDMA Code Division Multiple Access
  • WCDMA Wideband Code Division Multiple Access
  • LTE Long Term Evolution
  • SMS Short message service
  • the server also includes a power source 2004 (such as a battery) that supplies power to the various components.
  • a power source 2004 can be logically coupled to the processor 2001 through a power management system to manage functions such as charging, discharging, and power management through the power management system.
  • the power supply 2004 can also include any one or more of a DC or AC power source, a recharging system, a power failure detection circuit, a power converter or inverter, a power status indicator, and the like.
  • the server can also include an input unit 2005 that can be used to receive input numeric or character information and to generate keyboard, mouse, joystick, optical or trackball signal inputs related to user settings and function controls.
  • an input unit 2005 can be used to receive input numeric or character information and to generate keyboard, mouse, joystick, optical or trackball signal inputs related to user settings and function controls.
  • the server may also include a display unit 2006 that may be used to display information entered by the user or information provided to the user and various graphical user interfaces of the server, which may be by graphics, text, icons, video, and It is composed of any combination.
  • the display unit 2008 can include a display panel, and optionally, a liquid crystal display can be used. (LCD, Liquid Crystal Display), Organic Light Emitting Diode (OLED, Organic Light-Emitting) Diode) and other forms to configure the display panel.
  • LCD Liquid Crystal Display
  • OLED Organic Light Emitting Diode
  • the processor 2001 in the server loads the executable file corresponding to the process of one or more application programs into the memory 2002 according to the following instructions, and is executed by the processor 2001 to be stored in the memory.
  • the application in 2002 thus implementing various functions, as follows:
  • the following functions may be implemented:
  • the account opening request is processed.
  • the step “processing the account opening request” may include:
  • the account information is sent to the terminal.
  • the program may be stored in a computer readable storage medium, and the storage medium may include: Read only memory (ROM, Read Only Memory), Random Access Memory (RAM), disk or CD.

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Abstract

一种信息验证和处理方法、装置和存储介质。信息验证方法包括：接收网络服务器发送的信息验证请求，该请求携带用户的身份信息，根据网络数据平台存储的身份信息对接收到的身份信息进行验证，该网络数据平台存储的身份信息是经过实名认证的，并将所述验证结果发送给所述网络服务器。

Description

一种信息验证和处理方法、装置、以及信息处理***
本申请要求于2015年09月29日提交中国专利局、申请号为201510633549.9、发明名称为“一种信息处理方法和***、信息验证方法和装置”的中国专利申请的优先权，其全部内容通过引用结合在本申请中。
技术领域
本发明涉及通信技术领域，特别是涉及一种信息验证和处理方法、装置、以及信息处理***。
 背景技术
目前用户需要在银行开户，必须需要前去银行网点去办理开户业务。在银行网点办理开户业务的过程是比较繁琐的，比如，一般用户先要去银行网点营业厅取号排队，然后填写资料，最后去柜台办理开户等等。
可见，目前银行网点办理开户业务，即线下开户的方式，对于用户来说，存在操作复杂、浪费时间、体验差的问题；对于银行来说存在浪费大量的人力资源、开户效率低下的问题。
随着网络技术发展的越来越成熟，有一些银行均提出了线上开户的概念，以解决线下开户所带来的一系列问题；线上开户指的是，用户不需要去银行网点办理开户业务，只需通过终端（例如手机或者电脑）与银行的服务器进行数据交互来办理开户业务。可见，线上开户可以使得用户很方便地办理开户业务，也可以为银行节省大量的人力资源，并且可以提升银行办理开户业务的效率。
然而，银行想要实现线上开户，其面临的最大问题是：如何识别出用户传输的身份信息是否是真实的，如果在身份信息是虚假的情况下银行给用户开户，那么就会导致一系列的问题，例如金融市场混乱、给***提供便利等。
因此，如何识别用户身份信息的真实性的技术问题，需要迫切得到解决。
 技术问题
本发明的目的在于提供一种信息验证和处理方法、装置、以及信息处理***，以解决如何识别用户身份信息的真实性的技术问题。
 技术解决方案
为了解决上述的技术问题，本发明提供了如下技术方案：
本发明的实施例提供了一种信息验证方法，包括如下步骤：
接收网络服务器发送的信息验证请求，所述信息验证请求携带用户的第一身份信息，且由所述网络服务器在接收到所述用户的开户请求之后发送；
获取网络数据平台存储的所述用户的第二身份信息，所述第二身份信息为经过所述网络数据平台实名认证的身份信息；
根据所述第二身份信息对所述第一身份信息进行验证，以获取验证结果；以及
将所述验证结果发送给所述网络服务器，以便所述网络服务器根据所述验证结果对所述开户请求进行处理。
本发明的实施例还提供了一种信息处理方法，包括如下步骤：
接收终端发送的开户请求，所述开户请求携带用户的第一身份信息；
根据所述开户请求向网络数据平台发送信息验证请求，所述信息验证请求携带所述用户的第一身份信息；
接收网络数据平台根据所述信息验证请求返回的验证结果，所述验证结果由网络数据平台根据第二身份信息对所述第一身份信息进行验证而得到，所述第二身份信息为经过所述网络数据平台实名认证的身份信息；
若所述验证结果为验证通过，则对所述开户请求进行处理；
若所述验证结果为验证不通过，则拒绝对所述开户请求进行处理。
本发明的实施例还提供了一种信息验证装置，包括：第一接收模块、获取模块、验证模块和第一发送模块；
所述第一接收模块，用于接收网络服务器发送的信息验证请求，所述信息验证请求携带用户的第一身份信息，且由所述网络服务器在接收到所述用户的开户请求之后发送；
所述获取模块，用于获取网络数据平台存储的所述用户的第二身份信息，所述第二身份信息为经过所述网络数据平台实名认证的身份信息；
验证模块，用于根据所述第二身份信息对所述第一身份信息进行验证；
所述第一发送模块，用于将所述验证模块的验证结果发送给所述网络服务器，以便所述网络服务器根据所述验证结果对所述开户请求进行处理。
本发明的实施例还提供了一种信息处理装置，包括：第一接收模块、发送模块、第二接收模块和开户处理模块；
所述第一接收模块，用于接收终端发送的开户请求，所述开户请求携带用户的第一身份信息；
所述发送模块，用于根据所述开户请求向网络数据平台发送信息验证请求，所述信息验证请求携带所述用户的第一身份信息；
所述第二接收模块，用于接收网络数据平台根据所述信息验证请求返回的验证结果，所述验证结果由网络数据平台根据第二身份信息对所述第一身份信息进行验证而得到，所述第二身份信息为经过所述网络数据平台实名认证的身份信息；
所述开户处理模块，用于：
在所述验证结果为验证通过的情况下，对所述开户请求进行处理；
在所述验证结果为验证不通过的情况下，拒绝对所述开户请求进行处理。
本发明的实施例还提供了一种信息处理方法，包括如下步骤：
网络服务器接收用户的终端发送的开户请求，所述开户请求携带所述用户的第一身份信息；
所述网络服务器根据所述开户请求向网络数据平台发送信息验证请求，所述信息验证请求携带所述用户的第一身份信息；
所述网络数据平台在接收到所述信息验证请求后，获取其存储的所述用户的第二身份信息，所述第二身份信息为经过所述网络数据平台实名认证的身份信息；
所述网络数据平台根据所述第二身份信息对所述第一身份信息进行验证，以获取验证结果；并将所述验证结果发送给所述网络服务器；以及
所述网络服务器在所述验证结果为验证通过的情况下，对所述开户请求进行处理；在所述验证结果为验证不通过的情况下，拒绝对所述开户请求进行处理。
本发明的实施例还提供了一种信息处理***，包括：网络服务器和网络数据平台；
所述网络服务器，用于接收用户的终端发送的开户请求，所述开户请求携带所述用户的第一身份信息；根据所述开户请求向网络数据平台发送信息验证请求，所述信息验证请求携带所述用户的第一身份信息；以及在所述验证结果为验证通过的情况下，对所述开户请求进行处理，在所述验证结果为验证不通过的情况下，拒绝对所述开户请求进行处理；
所述网络数据平台，用于在接收到所述信息验证请求后，获取其存储的所述用户的第二身份信息，所述第二身份信息为经过所述网络数据平台实名认证的身份信息；根据所述第二身份信息对所述第一身份信息进行验证，以获取验证结果；并将所述验证结果发送给所述网络服务器。
本发明的实施例还提供了一种存储介质，其中，所述存储介质内存储有处理器可执行指令，所述处理器可执行指令用于执行如下操作：
接收网络服务器发送的信息验证请求，所述信息验证请求携带用户的第一身份信息，且由所述网络服务器在接收到所述用户的开户请求之后发送；
获取网络数据平台存储的所述用户的第二身份信息，所述第二身份信息为经过所述网络数据平台实名认证的身份信息；
根据所述第二身份信息对所述第一身份信息进行验证，以获取验证结果；以及
将所述验证结果发送给所述网络服务器，以便所述网络服务器根据所述验证结果对所述开户请求进行处理。
 有益效果
本发明实施例提供了一种信息验证和处理方法、装置、以及信息处理***；本发明实施例提供的信息验证方法采用在接收网络服务器发送的用户的第一身份信息时，获取网络数据平台存储的所述用户的第二身份信息，该第二身份信息为经过所述网络数据平台实名认证的身份信息，然后，根据所述第二身份信息对所述第一身份信息进行验证，以获取验证结果，最终将验证结果发送给所述网络服务器，以便网络服务器进行开户处理；由信息验证方法的内容可知，本发明实施例提供的信息验证方法可以根据网络数据平台存储的身份信息对接收到的身份信息进行验证，以识别身份信息的真实性，进而为银行服务器是否给用户开户提供判断依据，实现线上开户；由于，网络数据平台存储的身份信息是经过实名认证的，因此，采用网络数据平台存储的身份信息对接收到的身份信息进行验证，可以准确地识别出接收到的身份信息的真实性；本发明的信息验证方法可以应用到线上开户中，可以用来识别用户身份信息的真实性，确保银行为传输真实的身份信息的用户开户，避免了银行为采用虚假身份信息的用户开户所带来的一系列问题，可以在简化用户操作，提高开户效率的前提下，大大提高信息的准确性和安全性。
 附图说明
为了更清楚地说明本发明实施例中的技术方案，下面将对实施例描述中所需要使用的附图作简单地介绍，显而易见地，下面描述中的附图仅仅是本发明的一些实施例，对于本领域技术人员来讲，在不付出创造性劳动的前提下，还可以根据这些附图获得其他的附图。
图1为本发明实施例提供的一种信息验证方法的流程示意图；
图2为本发明实施例提供的另一种信息验证方法的流程示意图；
图3为本发明实施例提供的一种信息处理方法的流程示意图；
图4为本发明实施例提供的另一种信息处理方法的流程示意图；
图5为本发明实施例提供的第一种信息验证装置的结构示意图；
图6为本发明实施例提供的第二种信息验证装置的结构示意图；
图7为本发明实施例提供的第三种信息验证装置的结构示意图；
图8为本发明实施例提供的一种信息处理装置的结构示意图；
图9为本发明实施例提供的另一种信息处理装置的结构示意图；
图10为本发明实施例提供的又一种信息处理方法的流程示意图；
图11为本发明实施例提供的一种信息处理***的结构示意图；
图12为本发明实施例提供的一种线上开户的流程示意图；
图13为本发明实施例提供的一种服务器的结构示意图；
图14为本发明实施例提供的另一种服务器的结构示意图。
 本发明的最佳实施方式
下面将结合本发明实施例中的附图，对本发明实施例中的技术方案进行清楚、完整地描述，显然，所描述的实施例仅仅是本发明一部分实施例，而不是全部的实施例。基于本发明中的实施例，本领域技术人员在没有作出创造性劳动前提下所获得的所有其他实施例，都属于本发明保护的范围。
本发明实施例提供了一种信息验证和处理方法、装置、以及信息处理***。以下将分别进行详细说明。
为了能够识别用户身份信息的真实性，本实施例提供了一种信息验证方法，如图1所示，包括如下步骤：
步骤101，接收网络服务器发送的信息验证请求，该信息验证请求携带用户的第一身份信息，且由该网络服务器在接收到该用户的开户请求之后发送。
本实施例中该第一身份信息包括：姓名信息和身份证信息、驾驶证信息、或者护照信息、或者社会安全号、或者居住证信息、或者水电费账单信息等；
本实施例中网络服务器可以为银行的网络服务器，用于进行数据处理，以实现各种银行业务的办理或者处理，例如开户、转账、贷款等。
本实施例中信息验证请求是由网络服务器在接收到用户终端发送的开户请求之后，根据开户请求发送的；该信息验证信息携带第一身份信息等信息。
具体地，步骤101的执行主体可以为网络服务器外的设备或者数据平台，本实施例中网络服务器在接收到用户终端发送的开户请求获取第一身份信息后，可以通过验证请求将第一身份信息发送到网络服务器外的设备或者数据平台。
步骤102，获取网络数据平台存储的该用户的第二身份信息，该第二身份信息为经过该网络数据平台实名认证的身份信息。
具体地，本实施例中网络数据平台可以为第三方支付机构提供的网络数据平台（简称第三方支付平台），用于对网络数据进行处理，以实现第三方支付功能，例如可以为支付宝或者财富通的数据平台。
在实际应用中，只要用户在第三方支付平台注册后，第三方支付平台均会要求用户输入身份信息（例如姓名和身份证），第三方支付平台在对用户输入的身份信息进行实名认证后，才允许用户在第三方支付平台进行交易；因此，本实施例中网络数据平台存储有用户的身份信息，且该身份信息为经过该网络数据平台实名认证的身份信息，所以本实施例中第二身份信息为用户真实的身份信息。
本实施例中网络数据平台对身份信息进行实名认证的过程可以为：网络数据平台将身份信息发送至公安***，由公安***进行实名认证。
由于第三方支付平台存储的身份信息涉及到个人隐私和信息安全，不能够被随意获取；因此，为了提高信息安全以及避免个人隐私泄露，步骤102具体可以包括：
获取该网络数据平台授予该用户的鉴权信息，该鉴权信息用于登录该网络数据平台；
对该鉴权信息进行校验；
若对该鉴权信息校验通过，则从网络数据平台获取其存储的该用户的第二身份信息。
从上述获取身份信息的过程可知，本实施例方法只有在对鉴权信息校验通过后，才可以从网络数据平台获取身份信息。具体地，本实施例中鉴权信息可以包括：用户在网络数据平台上的账号信息和密码信息，用于登录网络数据平台，也即登录信息，以进行交易；例如用户的支付宝账号或者密码。
优选地，本实施例中获取网络数据平台授予该用户的鉴权信息的方式可以包括第一种方式和第二种方式中的至少一种：
第一种方式：接收用户的终端发送的鉴权信息，具体地，用户终端可以在发送身份信息给网络服务器之后，再发送在网络数据平台上的鉴权信息给网络数据平台，以使得可以提取网络数据平台存储的身份信息；
第二种方式：网络服务器发送的鉴权信息；具体地，用户可以将鉴权信息发送至网络服务器，由网络服务器通过与网络数据平台的数据接口发送至网络平台。
本实施例中鉴权信息还可以仅包括用户在网络数据平台上的密码；此种情况下，获取网络数据平台授予该用户的鉴权信息的过程包括：
根据该第一身份信息获取网络数据平台授予该用户的账号信息；
接收用户终端发送的网络数据平台授予该用户的密码信息。
当本实施例方法的执行主体为网络数据平台时，由于事先接收到用户的身份信息，可以根据身份信息例如姓名来找出对应用户在网络数据平台上的账号信息；但是考虑到数据安全和隐私，密码信息还需要用户终端来发送。
步骤103，根据该第二身份信息对该第一身份信息进行验证，以获取验证结果。
具体地，步骤103包括：
将第一身份信息与第二身份信息进行比较，以确定第一身份信息是否与该第二身份信息相同；
当第一身份信息与第二身份信息相同时，则判定对第一身份信息验证通过；此时，验证结果为通过；
当第一身份信息与第二身份信息不相同时，则判定对第一身份信息验证不通过，此时，验证结果为不通过。
步骤104，将该验证结果发送给该网络服务器，以便该网络服务器根据该验证结果对该开户请求进行处理。
本实施例中步骤101-104可以由网络数据平台完成，在线上开户过程中，银行服务器接收用户终端发送的开户请求，然后将开户请求携带的第一身份信息通过验证请求发送至网络数据平台，由网络数据平台进行验证，将验证结果发送给银行服务器，以便银行服务器判断是否给用户开户，即是否对开户请求进行处理。
本实施例中验证结果包括：验证通过或者验证不通过两种情况；当验证结果为通过的情况下，还需要进一步确定该用户是否为用户本人，具体地，在步骤104之前，本实施例的信息验证方法还可以包括：
发送验证信息给该用户的第一终端；
接收该用户的第二终端反馈的验证信息，第二终端与第一终端为相同或者不同的终端；
将发送的验证信息与接收的验证信息进行比较，以确定发送的验证信息与接收的验证信息是否相同；
若相同，则将所述验证结果发送给所述网络服务器；
若不相同，则发送验证不通过的验证结果给网络服务器，或者提示用户验证信息错误等。本实施例方法可以通过发送验证信息的方式来确定当前用户是否为用户本人，该验证信息可以为验证码，例如“123456”。本实施例中发送验证信息给用户终端的方式可以有多种，在实际应用中，由于网络数据平台，例如第三方支付平台需要存储用户的通讯标识，用以发送信息给用户的终端，因此，本实施例可以借助网络数据平台存储的通讯标识来下发验证信息给用户终端；具体地，本实施例中所述发送验证信息给所述用户的终端的过程可以包括：
获取所述网络数据平台存储的所述用户对应的通讯标识；
根据所述通讯标识发送验证信息给所述用户的第一终端。
优选地，通讯标识可以包括：电话号码、邮箱地址或者即时通讯账号等；例如，本实施例方法中可以获取第三方支付平台存储的用户的电话号码，然后根据该电话号码发送短信验证码给用户的终端，以确定当前用户是否为用户本人。
优选地，本实施例提供的信息验证方法可以应用在网络数据平台，例如第三方支付平台，
根据上述描述，本实施例提供的信息验证方法可以根据网络数据平台存储的身份信息对接收到的身份信息进行验证，由于网络数据平台存储的身份信息是经过实名认证的，因此，采用网络数据平台存储的身份信息对接收到的身份信息进行验证，可以识别出接收到的身份信息的真实性；本发明的信息验证方法可以应用到线上开户中，用来识别用户身份信息的真实性，确保银行为传输真实的身份信息的用户开户，避免了银行为采用虚假身份信息的用户开户所带来的一系列问题；另外，本实施例信息验证方法还具有易于实施，成本低、适用范围广的优点。
进一步地，本实施例信息验证方法还在返回验证结果为通过给网络服务器之前，通过下发验证信息来确定当前用户是否为用户本人，应用在线上开户过程中，可以防止利用他人真实的身份信息来进行开户的情况出现，提升了线上开户的可靠性。
如图2所示，本实施例还提供了另一种信息验证方法，该方法的执行主体可以为网络数据平台或者其他设备，包括如下步骤：
步骤201，接收网络服务器发送的信息验证请求，该信息验证请求携带用户的第一身份信息。
具体地，网络服务器为银行提供的实现各种银行业务的服务器，其中，第一身份信息包括姓名信息和身份证信息、驾驶证信息、或者护照信息、或者社会安全号、或者居住证信息、或者水电费账单信息等。
具体地，所述信息验证请求携带用户的第一身份信息，且由所述网络服务器在接收到所述用户的开户请求之后发送。
步骤202，接收该用户的第一终端发送的鉴权信息，该鉴权信息为该网络数据平台授予该用户的鉴权信息，用于登录该网络数据平台。
本实施例中网络数据平台可以为用于实现第三方支付功能的数据平台，即第三方支付平台；
本实施例中鉴权信息可以为用于登录网络数据平台的账号和密码，例如支付宝账号和密码。也即本实施例鉴权信息可以为登录信息。
具体地，本实施例中发送鉴权信息的终端可以与发起开户请求给网络服务器的终端为同一个终端，例如用户采用电脑进行线上开户时，在开户页面输入第一身份信息，并点击“提交开户申请”后会产生开户请求发送至银行服务器，银行服务器在接收到开户请求之后，会产生一个携带第一身份信息的信息验证请求，并发送至第三方支付平台；用户在点击“提交开户申请”后进入输入第三方支付平台的鉴权信息的页面，用户在该页面上输入对应的鉴权信息，由电脑发送至银行服务器与第三方支付平台借口转发至第三方支付平台，此时，发送鉴权信息与发起开户请求的终端为同一个终端。
当然本实施例也可以中发送鉴权信息的终端与发起开户请求给网络服务器的终端可以为不同的终端；即例如用户采用电脑开户，采用手机发送鉴权信息至网络数据平台（例如，在财富通或者支付宝App中输入登录信息，由手机发送至财富通或者支付宝的数据平台）。
步骤203，对所述鉴权信息进行校验，若对所述鉴权信息校验通过，转步骤204，若对所述鉴权信息校验失败，则结束流程或者通知用户鉴权信息校验失败。
具体地，本实施例可以对用于登录网络数据平台的账号和密码进行校验，例如判断账号和密码是否匹配等。
步骤204，从网络数据平台获取其存储的所述用户的第二身份信息，该第二身份信息为经过所述网络数据平台实名认证的身份信息。
具体地，可以根据鉴权信息（例如账号信息）从网络数据平台的存储单元中提取所述用户的第二身份信息，例如在接收到用户的支付宝账号和密码后，可以根据该用户的支付宝账号在数据库中查找对应的身份信息。
步骤205，将该第一身份信息与该第二身份信息进行比较，以确定该第一身份信息与该第二身份信息是否相同，若相同，表明验证通过，则转步骤206，若不相同，表明验证不通过，则转步骤209。
步骤206，获取该网络数据平台存储的该用户对应的通讯标识，并根据该通讯标识发送验证信息给该用户的第二终端。
具体地，该通讯标识包括：电话号码、邮箱地址或者即时通讯账号；因此，本步骤可以通过短信方式或者邮件方式将验证信息给用户的终端。
优选地，本实施例中第二终端可以与第一终端可以为同一个终端，也可以为不同的终端；例如，用户采用电脑进行线上开户，此时第三支付平台可以将验证信息发送至用户的手机（比如验证短信），或者将验证信息发送至用户的电脑（例如用户通过电脑登录邮箱接收验证邮件）。
步骤207，接收所述第一终端反馈的验证信息。
具体地，用户在采用电脑开户时，用户在其手机接收到验证短信后，可以在电脑的开户页面输入该验证信息，通过网络服务器与网络数据平台之间的接口发送给网络数据平台。
步骤208，将发送的验证信息与接收的验证信息进行比较，若相同，则转步骤209。
当比较结果为不相同时，本实施例方法可以发送验证不同的验证结果给网络服务器，也可以提示用户验证码输入错误，要求用户重新发送，在用户发送验证码的错误次数到达一定值时结束流程。
步骤209，将验证结果发送给所述网络服务器，以便该网络服务器根据所述验证结果对所述开户请求进行处理。
具体地，验证结果为验证通过时，网络服务器可以对开户请求进行处理，完成开户，当验证结果为验证不通过时，网络服务器可以拒绝对开户请求进行处理。
本实施例提供的信息验证方法可以应用到线上开户，用来识别开户身份信息的真实性，为银行服务器是否给用户开户提供判断基础，提高了开户的安全性以及开户效率，具有实施方便、成本低等优点。
如图3所示，本实施例提供了一种信息处理方法，可以应用于银行服务器等网络服务器，包括如下步骤：
步骤301，接收终端发送的开户请求，该开户请求携带用户的第一身份信息。
具体地，用户通过电脑登录银行服务器提供的开户页面，然后在开户页面上输入身份信息，提交开户申请后电脑会生成一个开户请求发送至银行服务器，其中开户请求携带用户的身份信息等；其中身份信息包括：用户姓名和用户身份证、驾驶证信息、或者护照信息、或者社会安全号、或者居住证信息、或者水电费账单信息等信息。
步骤302，根据该开户请求向网络数据平台发送信息验证请求，该信息验证请求携带该用户的第一身份信息。
具体地，银行服务器在接收到开户请求后，从开户请求中提取用户的身份信息，然后向网络数据平台发送携带身份信息的信息验证请求，由网络数据平台来对身份信息进行验证。
步骤303，接收网络数据平台根据该信息验证请求返回的验证结果，该验证结果由网络数据平台根据第二身份信息对所述第一身份信息进行验证而得到，所述第二身份信息为经过该网络数据平台实名认证的身份信息。
网络数据平台接收到第一身份信息后，获取经过实名认证的用户的第二身份信息，然后根据第二身份信息对所述第一身份信息进行验证，并将验证结果发送至银行服务器；例如银行服务器将用户身份信息发送至第三方支付平台进行验证的情况下，银行服务器会发送携带身份信息的信息验证请求给第三方支付平台，第三方支付平台在接收到信息验证请求后从其存储查找出用户的经过实名认证的身份信息，并利用查找到的身份信息对接收到的身份信息进行验证，之后将验证结果发送至银行服务器。
步骤304，若验证结果为验证通过，则对该开户请求进行处理；若验证结果为验证不通过，则拒绝对该开户请求进行处理。
具体地，银行服务器在接收到验证结果之后，根据验证结果不同进行不同的操作，当验证结果为验证通过时，对开户请求进行处理，例如生成一个账户信息，并将该账户信息与所述第一身份信息绑定；将所述账户信息发送给所述终端；当验证结果为验证不通过时，银行服务器可以拒绝对开户请求进行处理，即开户失败。
优选地，当验证结果为验证不通过时还可以返回开户失败的结果给用户，具体地在开户页面中提示开户失败，并给出失败的原因。
本实施例中信息处理方法应用在线上开户过程中，在用户输入身份信息进行开户时，将开户身份信息发送至第三方支付平台进行验证，即通过第三方支付平台来识别开户身份信息的真实性，根据第三方支付平台返回的验证结果来判断是否给用户开户，应用本发明的信息处理方法可以提高线上开户的安全性以及开户的效率。
在实际开户时银行还需要考虑用户的信用情况，因此，本实施例信息处理方法，在所述验证结果为验证通过的情况下，且对所述开户请求进行处理之前，所述信息处理方法还需要判断用户的信用是否满足要求，若不满足要求则拒绝给其开户，若满足则给用户开户；如图4所示，本实施例的信息处理方法，具体包括如下步骤：
步骤401，接收终端发送的开户请求，该开户请求携带用户的第一身份信息。
步骤402，根据该开户请求向网络数据平台发送信息验证请求，该信息验证请求携带所述用户的第一身份信息。
步骤403，接收网络数据平台根据该信息验证请求返回的验证结果，该验证结果由网络数据平台根据第二身份信息对所述第一身份信息进行验证而得到，该第二身份信息为经过所述网络数据平台实名认证的身份信息。
步骤404，判断该验证结果是否为验证通过，若是，则执行步骤405，若否，则执行步骤408。
步骤405，获取所述用户的征信数据。
具体地，可以从央行的征信***获取征信数据，包括：贷款记录、还款记录、以及***相关数据等。
步骤406，根据该征信数据判断该用户的信用是否满足预设信用条件，若是，则执行步骤407，若否，则执行步骤408。
具体地，在网络服务器获取征信数据后，根据预设信息等级划分规则获取用户的信用等级，然后将信用等级与开户所需要达到的最低信用等级进行比较，若小于最低信用等级，则判定不满足预设信用条件，若大于或等于最低信用等级，则判定满足预设信用条件。
步骤407，对开户请求进行处理。
步骤408，拒绝对开户请求进行处理。
若是，网络服务器对所述开户请求进行处理。
此时，将本实施例信息处理方法应用到线上开户过程中，在对用户身份信息验证通过之后，还需要对用户的信用进行评判，可以避免为信用不良的用户开户的情况，降低了银行风险。
本实施例提供了一种信息验证装置，可以应用于网络数据平台，如图5所示，包括：第一接收模块501、获取模块502、验证模块503和第一发送模块504；
所述第一接收模块501，用于接收网络服务器发送的信息验证请求，所述信息验证请求携带用户的第一身份信息，且由所述网络服务器在接收到所述用户的开户请求之后发送；
所述获取模块502，用于获取网络数据平台存储的所述用户的第二身份信息，所述第二身份信息为经过所述网络数据平台实名认证的身份信息；
验证模块503，用于根据所述第二身份信息对所述第一身份信息进行验证；
所述第一发送模块504，用于将所述验证模块503的验证结果发送给所述网络服务器，以便所述网络服务器根据所述验证结果对所述开户请求进行处理。
优选地，所述验证模块，用于：
将所述第一身份信息与所述第二身份信息进行比较，以确定所述第一身份信息与所述第二身份信息是否相同；
当所述第一身份信息与所述第二身份信息相同时，则判定对所述第一身份信息验证通过；
当所述第一身份信息与所述第二身份信息不相同时，则判定对所述第一身份信息验证不通过。
优选地，如图6所示，本实施例中所述获取模块502包括：鉴权信息获取子模块5021、校验子模块5022和身份信息获取子模块5023；
所述鉴权信息获取子模块5021，用于获取所述网络数据平台授予所述用户的鉴权信息，所述鉴权信息用于登录所述网络数据平台；
所述校验子模块5022，用于对所述鉴权信息进行校验；
所述身份信息获取子模块5023，用于在所述校验子模块5022对所述鉴权信息校验通过的情况下，从所述网络数据平台获取其存储的所述用户的第二身份信息。
优选地，如图7所示，在上述基础上，本实施例信息验证装置还可以包括：第二发送模块505、第二接收模块506和比较模块507；
所述第二发送模块505，用于发送验证信息给所述用户的终端；
所述第二接收模块506，用于接收所述终端反馈的验证信息；
所述比较模块507，用于将发送的验证信息与接收的验证信息进行比较，以确定发送的验证信息与接收的验证信息是否相同；
所述第一发送模块504，用于在所述验证模块503的验证结果为通过，且所述比较模块507确定发送的验证信息与接收的验证信息相同时，将所述验证模块503的验证结果发送给所述网络服务器。
本实施例提供的信息验证装置，可以应用于网络数据平台，其可以根据网络数据平台存储的身份信息对接收到的身份信息进行验证，由于网络数据平台存储的身份信息是经过实名认证的，因此，采用网络数据平台存储的身份信息对接收到的身份信息进行验证，可以识别出接收到的身份信息的真实性；本发明的信息验证装置可以应用到线上开户中，用来识别用户身份信息的真实性，确保银行为传输真实的身份信息的用户开户，避免了银行为采用虚假身份信息的用户开户所带来的一系列问题；另外，本实施例信息验证装置还具有易于实施，成本低、适用范围广的优点。
进一步地，本实施例信息验证装置还在返回验证结果为通过给网络服务器之前，通过下发验证信息来确定当前用户是否为用户本人，应用在线上开户过程中，可以防止利用他人真实的身份信息来进行开户的情况出现，提升了线上开户的可靠性。
如图8所示，本实施例提供了一种信息处理装置，可以应用于银行服务器等网络服务器，包括：第一接收模块801、发送模块802、第二接收模块803和开户处理模块804；
所述第一接收模块801，用于接收终端发送的开户请求，所述开户请求携带用户的第一身份信息；具体地，用户通过电脑登录银行服务器提供的开户页面，然后在开户页面上输入身份信息，提交开户申请后电脑会生成一个开户请求发送至银行服务器中第一接收模块801，其中开户请求携带用户的身份信息等；其中身份信息包括：用户姓名和用户身份证等信息。
所述发送模块802，用于根据所述开户请求向网络数据平台发送信息验证请求，所述验证请求携带所述用户的第一身份信息；具体地，银行服务器中发送模块802从开户请求中提取第一身份信息，并生成携带第一身份信息的信息验证请求发送至网络数据平台进行验证；
所述第二接收模块803，用于接收网络数据平台根据所述信息验证请求返回的验证结果，所述验证结果由网络数据平台根据第二身份信息对所述第一身份信息进行验证而得到，所述第二身份信息为经过所述网络数据平台实名认证的身份信息；具体地，银行服务器中第二接收模块803可以网络通讯协议从网络数据平台获取验证结果；
所述开户处理模块804，用于：
在所述验证结果为验证通过的情况下，对所述开户请求进行处理；
在所述验证结果为验证不通过的情况下，拒绝对所述开户请求进行处理。
本实施例中信息处理装置应用实现在线上开户的银行服务器中，在用户输入身份信息进行开户时，将开户身份信息发送至第三方支付平台进行验证，即通过第三方支付平台来识别开户身份信息的真实性，根据第三方支付平台返回的验证结果来判断是否给用户开户，应用本发明的信息处理装置可以提高线上开户的安全性以及开户的效率。
在实际开户时银行还需要考虑用户的信用情况，因此，本实施例信息处理装置，在所述验证结果为验证通过的情况下，且对所述开户请求进行处理之前，还需要判断用户的信用是否满足要求，若不满足要求则拒绝给其开户，若满足则给用户开户；如图9所示，本实施例的信息处理装置，还包括：信用判断模块805；
所述信用判断模块805，用于：
获取所述用户的征信数据；
根据所述征信数据判断所述用户的信用是否满足预设信用条件；
所述开户处理模块804，具体用于在所述验证结果为验证通过，且所述信息判断模块判断为是的情况下，对所述开户请求进行处理。
图9所示的信息处理装置在对用户身份信息验证通过之后，还需要对用户的信用进行评判，可以避免为信用不良的用户开户的情况，降低了银行风险，提升开户安全。
本实施例提供了一种信息处理方法，如图10所示，包括如下步骤：
步骤111，网络服务器接收用户的终端发送的开户请求，该开户请求携带该用户的第一身份信息。
本实施例中网络服务器优选为银行提供的用于实现银行业务的服务器；第一身份信息优选地包括：姓名信息和身份证信息。
在实际应用中，用户可以线上对网络服务器发起开户请求例如用户通过终端登录到银行的网络服务器，在网络服务器提供的开户界面中输入身份信息以申请开户，之后终端会生成对应的开户请求发送给网络服务器，其中开户请求包括用户的第一身份信息。
步骤112，网络服务器根据该开户请求向网络数据平台发送信息验证请求，该信息验证请求携带该用户的第一身份信息。
本实施例中网络数据平台可以为第三方支付机构提供的网络数据平台（简称第三方支付平台），用于对网络数据进行处理，以实现第三方支付功能，例如可以为支付宝或者财富通的数据平台。
本实施例中银行的网络服务器在接收到开户请求后，可以将用户的身份信息发送至网络数据平台例如第三方支付平台进行验证，以确定用户输入的身份信息的真实性。
步骤113，网络数据平台在接收到该信息验证请求后，获取其存储的该用户的第二身份信息，该第二身份信息为经过该网络数据平台实名认证的身份信息。
具体地，步骤113包括：
网络数据平台获其授予所述用户的鉴权信息，所述鉴权信息用于登录所述网络数据平台；例如接收所述用户的终端发送的所述鉴权信息或者接收所述网络服务器发送的所述鉴权信息；
所述网络数据平台对所述鉴权信息进行校验；
若所述网络数据平台对所述鉴权信息校验通过，则所述网络数据平台从存储中调用所述用户的第二身份信息。
例如，第三方支付平台获取用户在第三方支付平台的鉴权信息，包括：账户信息和密码信息，然后对账户信息和密码信息进行校验，如果校验通过，则所述第三方支付平台从存储中调用所述用户的第二身份信息，该第二身份信息是经过第三支付平台实名认证的身份信息，也即真实身份信息。
又例如，第三方支付平台在接收到用户的身份信息之后，根据身份信息查找出对应的账号信息，然后接收用户终端发送的与账号信息对应的密码信息，对密码信息进行校验，若校验通过，则从存储中调用用户的第二身份信息，即真实身份信息。
本实施例中用户可以通过终端在网络服务器提供的开户界面中输入其在网络数据平台的鉴权信息，然后由终端发送给网络数据平台；例如用户在银行服务器提供的开户界面中输入身份信息之后，开户界面会提供第三支付平台的登录界面，用户在登录界面输入其在第三方支付平台的账号和密码，通过银行的服务器或者由终端直接发送给第三方支付平台进行校验。
步骤114，网络数据平台根据该第二身份信息对所述第一身份信息进行验证，以获取验证结果；并将该验证结果发送给网络服务器。
本实施例网络数据平台存储有用户的第二身份信息，在接收到网络服务器发送的身份信息之后，网络数据平台可以调用存储的身份信息对网络服务器发送的身份信息进行验证，具体地，将存储的身份信息与接收到的身份信息进行比较，当信息相同时，验证通过，当信息不相同时验证不通过。因此，本实施例中对第一身份信息验证的验证结果包括通过或者不通过这两种情况；具体地，本实施例方法在验证结果为通过的情况下，在发送验证结果给网络服务器之前，还需要确定当前用户是否为用户本人，具体实现方式可以包括：
网络数据平台发送验证信息给所述用户的终端；
网络数据平台接收所述终端反馈的验证信息；
网络数据平台将发送的验证信息与接收的验证信息进行比较，以确定发送的验证信息与接收的验证信息是否相同；
当发送和接收的验证信息相同时，表明当前用户为用户本人，此时需要将为验证通过的验证结果发送给网络服务器，以告知网络服务器当前用户身份信息是真实的，进而使网络服务器进行开户相关的数据处理；
当发送和接收的验证信息不相同时，表明当前用户不是用户本人，此时可以不发送验证结果给网络服务器，或者发送为验证不通过的验证结果给网络服务器，避免他人使用用户身份信息进行开户的情况出现。
步骤115，网络服务器在所述验证结果为验证通过的情况下，对所述开户请求进行处理；在所述验证结果为验证不通过的情况下，拒绝对所述开户请求进行处理。
当验证结果为验证通过时，表明当前网络服务器当前接收到身份信息是真实的，此时，网络服务器将会根据第一身份信息进行与开户相关的数据处理，例如给用户分配银行账户、绑定身份信息和账号信息等数据处理，并将处理的结果返回给用户终端。
在实际开户时银行还需要考虑用户的信用情况，因此，本实施例信息处理方法，在所述验证结果为验证通过的情况下，且在所述网络服务器根据所述第一身份信息进行与开户相关的数据处理之前，所述信息处理方法还包括：
所述网络服务器获取所述用户的征信数据；
所述网络服务器根据所述征信数据判断所述用户的信用是否满足预设信用条件；
具体地，在网络服务器获取征信数据后，根据预设信息等级划分规则获取用户的信用等级，然后将信用等级与开户所需要达到的最低信用等级进行比较，若小于最低信用等级，则判定不满足预设信用条件，若大于或等于最低信用等级，则判定满足预设信用条件。
若是，网络服务器根据所述第一身份信息进行与开户相关的数据处理。
此时，将本实施例信息处理方法应用到线上开户过程中，还可以避免为信用不良的用户开户的情况，降低了银行风险。
如图11所示，本实施例还提供了一种信息处理***，包括：网络服务器10和网络数据平台11；
网络服务器10，用于接收用户的终端发送的开户请求，所述开户请求携带所述用户的第一身份信息；根据所述开户请求向网络数据平台11发送信息验证请求，所述信息验证请求携带所述用户的第一身份信息；以及在所述验证结果为验证通过的情况下，对所述开户请求进行处理，在所述验证结果为验证不通过的情况下，拒绝对所述开户请求进行处理；
网络数据平台11，用于在接收到所述信息验证请求后，获取其存储的所述用户的第二身份信息，所述第二身份信息为经过所述网络数据平台11实名认证的身份信息；根据所述第二身份信息对所述第一身份信息进行验证，以获取验证结果；并将所述验证结果发送给所述网络服务器10。
本实施例中网络服务器10可以为银行服务器，网络数据平台11可以第三方支付平台。下面介绍应用本实施例的信息处理方法来实现线上开户的具体过程，其中涉及到用户终端、银行的网络服务器、第三方支付机构的网络数据平台和征信数据服务器，如图12所示，线上开户的过程包括如下步骤：
步骤121，用户终端向网络服务器发起开户请求，该开户请求携带用户的身份信息。
步骤122，网络服务器接收开户请求，并根据开户请求发送信息验证请求给网络数据平台，该信息验证请求携带身份信息。
步骤123，用户终端向该网络数据平台发送鉴权信息，该鉴权信息用于登录该网络数据平台，具体可以包括账号信息和密码信息。
步骤124，网络数据平台在接收到身份信息之后，对该鉴权信息进行校验，若校验通过，执行步骤125。
本实施例中在校验通过时，则结束流程或者提示用户鉴权信息错误。
步骤125，网络数据平台从存储中提取用户的真实身份信息，并将该真实身份信息与接收到的身份信息进行比较，以对接收到的身份信息进行验证，若信息相同，表明验证通过，则执行步骤126，若信息不相同，表明验证不通过，则执行步骤131。
步骤126，网络数据平台从存储中获取用户的通讯标识，并根据通讯标识向用户终端下发验证码。
例如向用户终端下发短信验证码，或者通过邮件的方式下发验证码。本步骤的用户终端与发起开户请求的终端可以为同一个终端，也可以为不同的终端，例如手机与电脑。
步骤127，用户终端向网络数据平台回复对应的验证码。
步骤128，网络数据平台比较下发的验证码与用户终端回复的验证码是否一致，若一致，则执行步骤129。
本实施例中若下发和接收的验证码不一致时，则结束开户流程，或者通知网络服务器不允许开户，或者提示用户验证码错误，并请求是否重新下发验证码。
步骤129，网络数据平台发送验证通过的验证结果给该网络服务器。
步骤130，网络服务器从征信数据服务器获取用户的征信数据。
步骤131，网络服务器根据该征信数据判断该用户的信用是否满足预设信用条件，若满足，则执行步骤132，若不满足，则执行步骤134。
本实施例中若不满预设信用条件，则不允许网络服务器给用开户，并返回开户失败的开户结果信息给用户终端。
步骤132，网络服务器对开户请求进行处理，并将处理的结果返回给该用户终端，结束开户流程。
步骤133，网络数据平台发送验证不通过的验证结果给该网络服务器。
步骤134，网络服务器拒绝对开户请求进行处理，并返回开户失败的结果信息给用户终端。
本实施例提供的信息处理方法可以实现线上开户，不仅解决了用户在银行网点开户的烦恼，提升了用户体验，而且还节省了银行的人力资源，提升了开户效率。
如图13所示，本实施例还提供了一种网络数据平台，该网络数据平台可以由服务器构成，因此，以下所述的网络数据平台即可为该服务器；其中该服务器可以集成本发明实施例的信息验证装置，如图13所示，其示出了本发明实施例所涉及的服务器的结构示意图，具体来讲：
该服务器可以包括一个或者一个以上处理核心的处理器1001、一个或一个以上计算机可读存储介质的存储器1002、射频（Radio Frequency，RF）电路1003、电源1004、输入单元1005、以及显示单元1006等部件。本领域技术人员可以理解，图13中示出的服务器结构并不构成对服务器的限定，可以包括比图示更多或更少的部件，或者组合某些部件，或者不同的部件布置。其中：
处理器1001是该服务器的控制中心，利用各种接口和线路连接整个服务器的各个部分，通过运行或执行存储在存储器1002内的软件程序和/或模块，以及调用存储在存储器1002内的数据，执行服务器的各种功能和处理数据，从而对服务器进行整体监控。可选的，处理器1001可包括一个或多个处理核心；优选的，处理器1001可集成应用处理器和调制解调处理器，其中，应用处理器主要处理操作***、用户界面和应用程序等，调制解调处理器主要处理无线通信。可以理解的是，上述调制解调处理器也可以不集成到处理器1001中。
存储器1002可用于存储软件程序以及模块，处理器1001通过运行存储在存储器1002的软件程序以及模块，从而执行各种功能应用以及数据处理。存储器1002可主要包括存储程序区和存储数据区，其中，存储程序区可存储操作***、至少一个功能所需的应用程序（比如声音播放功能、图像播放功能等）等；存储数据区可存储根据服务器的使用所创建的数据等。此外，存储器1002可以包括高速随机存取存储器，还可以包括非易失性存储器，例如至少一个磁盘存储器件、闪存器件、或其他易失性固态存储器件。相应地，存储器1002还可以包括存储器控制器，以提供处理器1001对存储器1002的访问。
RF电路1003可用于收发信息过程中，信号的接收和发送，特别地，将基站的下行信息接收后，交由一个或者一个以上处理器1001处理；另外，将涉及上行的数据发送给基站。通常，RF电路1003包括但不限于天线、至少一个放大器、调谐器、一个或多个振荡器、用户身份模块（SIM）卡、收发信机、耦合器、低噪声放大器（LNA，Low Noise Amplifier）、双工器等。此外，RF电路1003还可以通过无线通信与网络和其他设备通信。所述无线通信可以使用任一通信标准或协议，包括但不限于全球移动通讯*** （GSM，Global System of Mobile communication）、通用分组无线服务 （GPRS，General Packet Radio Service）、码分多址 （CDMA，Code Division Multiple Access）、宽带码分多址 （WCDMA，Wideband Code Division Multiple Access）、长期演进（LTE，Long Term Evolution）、电子邮件、短消息服务 （SMS，Short Messaging Service）等。
服务器还包括给各个部件供电的电源1004（比如电池），优选的，电源可以通过电源管理***与处理器1001逻辑相连，从而通过电源管理***实现管理充电、放电、以及功耗管理等功能。电源1004还可以包括一个或一个以上的直流或交流电源、再充电***、电源故障检测电路、电源转换器或者逆变器、电源状态指示器等任意组件。
该服务器还可包括输入单元1005，该输入单元1005可用于接收输入的数字或字符信息，以及产生与用户设置以及功能控制有关的键盘、鼠标、操作杆、光学或者轨迹球信号输入。
该服务器还可包括显示单元1006，该显示单元1006可用于显示由用户输入的信息或提供给用户的信息以及服务器的各种图形用户接口，这些图形用户接口可以由图形、文本、图标、视频和其任意组合来构成。显示单元1008可包括显示面板，可选的，可以采用液晶显示器 （LCD，Liquid Crystal Display）、有机发光二极管（OLED，Organic Light-Emitting Diode）等形式来配置显示面板。
具体在本实施例中，服务器中的处理器1001会按照如下的指令，将一个或一个以上的应用程序的进程对应的可执行文件加载到存储器1002中，并由处理器1001来运行存储在存储器1002中的应用程序，从而实现各种功能，如下：
接收网络服务器发送的信息验证请求，所述信息验证请求携带用户的第一身份信息，且由所述网络服务器在接收到所述用户的开户请求之后发送；
获取网络数据平台存储的所述用户的第二身份信息，所述第二身份信息为经过所述网络数据平台实名认证的身份信息；
根据所述第二身份信息对所述第一身份信息进行验证，以获取验证结果；以及
将所述验证结果发送给所述网络服务器，以便所述网络服务器根据所述验证结果对所述开户请求进行处理。
优选地，步骤“根据所述第二身份信息对所述第一身份信息进行验证，以获取验证结果”可以包括：
将所述第一身份信息与所述第二身份信息进行比较，以确定所述第一身份信息与所述第二身份信息是否相同；
当所述第一身份信息与所述第二身份信息相同时，则判定对所述第一身份信息验证通过；
当所述第一身份信息与所述第二身份信息不相同时，则判定对所述第一身份信息验证不通过。
优选地，步骤“获取网络数据平台存储的所述用户的第二身份信息”可以包括：
获取所述网络数据平台授予所述用户的鉴权信息，所述鉴权信息用于登录所述网络数据平台；
对所述鉴权信息进行校验；
若对所述鉴权信息校验通过，则从网络数据平台获取其存储的所述用户的第二身份信息。
优选地，在所述验证结果为验证通过的情况下，在所述将所述验证结果发送给所述网络服务器之前，还实现如下功能：
发送验证信息给所述用户的第一终端；
接收所述用户的第二终端反馈的验证信息，所述第二终端与所述第一终端为相同或者不同的终端；
将发送的验证信息与接收的验证信息进行比较，以确定发送的验证信息与接收的验证信息是否相同；
若相同，则将所述验证结果发送给所述网络服务器。
优选地，步骤“发送验证信息给所述用户对应的终端”可以包括：
获取所述网络数据平台存储的所述用户对应的通讯标识；
根据所述通讯标识发送验证信息给所述第一终端。
参考图14，本发明实施例还提供一种网络服务器，其中可以集成本发明实施例的信息处理装置，如图14所示，其示出了本发明实施例所涉及的服务器的结构示意图，具体来讲：
该服务器可以包括一个或者一个以上处理核心的处理器2001、一个或一个以上计算机可读存储介质的存储器2002、射频（Radio Frequency，RF）电路2003、电源2004、输入单元2005、以及显示单元2006等部件。本领域技术人员可以理解，图14中示出的服务器结构并不构成对服务器的限定，可以包括比图示更多或更少的部件，或者组合某些部件，或者不同的部件布置。其中：
处理器2001是该服务器的控制中心，利用各种接口和线路连接整个服务器的各个部分，通过运行或执行存储在存储器2002内的软件程序和/或模块，以及调用存储在存储器2002内的数据，执行服务器的各种功能和处理数据，从而对服务器进行整体监控。可选的，处理器2001可包括一个或多个处理核心；优选的，处理器2001可集成应用处理器和调制解调处理器，其中，应用处理器主要处理操作***、用户界面和应用程序等，调制解调处理器主要处理无线通信。可以理解的是，上述调制解调处理器也可以不集成到处理器2001中。
存储器2002可用于存储软件程序以及模块，处理器2001通过运行存储在存储器2002的软件程序以及模块，从而执行各种功能应用以及数据处理。存储器2002可主要包括存储程序区和存储数据区，其中，存储程序区可存储操作***、至少一个功能所需的应用程序（比如声音播放功能、图像播放功能等）等；存储数据区可存储根据服务器的使用所创建的数据等。此外，存储器2002可以包括高速随机存取存储器，还可以包括非易失性存储器，例如至少一个磁盘存储器件、闪存器件、或其他易失性固态存储器件。相应地，存储器2002还可以包括存储器控制器，以提供处理器2001对存储器2002的访问。
RF电路2003可用于收发信息过程中，信号的接收和发送，特别地，将基站的下行信息接收后，交由一个或者一个以上处理器2001处理；另外，将涉及上行的数据发送给基站。通常，RF电路2003包括但不限于天线、至少一个放大器、调谐器、一个或多个振荡器、用户身份模块（SIM）卡、收发信机、耦合器、低噪声放大器（LNA，Low Noise Amplifier）、双工器等。此外，RF电路2003还可以通过无线通信与网络和其他设备通信。所述无线通信可以使用任一通信标准或协议，包括但不限于全球移动通讯*** （GSM，Global System of Mobile communication）、通用分组无线服务 （GPRS，General Packet Radio Service）、码分多址 （CDMA，Code Division Multiple Access）、宽带码分多址 （WCDMA，Wideband Code Division Multiple Access）、长期演进（LTE，Long Term Evolution）、电子邮件、短消息服务 （SMS，Short Messaging Service）等。
服务器还包括给各个部件供电的电源2004（比如电池），优选的，电源可以通过电源管理***与处理器2001逻辑相连，从而通过电源管理***实现管理充电、放电、以及功耗管理等功能。电源2004还可以包括一个或一个以上的直流或交流电源、再充电***、电源故障检测电路、电源转换器或者逆变器、电源状态指示器等任意组件。
该服务器还可包括输入单元2005，该输入单元2005可用于接收输入的数字或字符信息，以及产生与用户设置以及功能控制有关的键盘、鼠标、操作杆、光学或者轨迹球信号输入。
该服务器还可包括显示单元2006，该显示单元2006可用于显示由用户输入的信息或提供给用户的信息以及服务器的各种图形用户接口，这些图形用户接口可以由图形、文本、图标、视频和其任意组合来构成。显示单元2008可包括显示面板，可选的，可以采用液晶显示器 （LCD，Liquid Crystal Display）、有机发光二极管（OLED，Organic Light-Emitting Diode）等形式来配置显示面板。
具体在本实施例中，服务器中的处理器2001会按照如下的指令，将一个或一个以上的应用程序的进程对应的可执行文件加载到存储器2002中，并由处理器2001来运行存储在存储器2002中的应用程序，从而实现各种功能，如下：
接收终端发送的开户请求，所述开户请求携带用户的第一身份信息；
根据所述开户请求向网络数据平台发送信息验证请求，所述信息验证请求携带所述用户的第一身份信息；
接收网络数据平台根据所述信息验证请求返回的验证结果，所述验证结果由网络数据平台根据第二身份信息对所述第一身份信息进行验证而得到，所述第二身份信息为经过所述网络数据平台实名认证的身份信息；
若所述验证结果为验证通过，则对所述开户请求进行处理；
若所述验证结果为验证不通过，则拒绝对所述开户请求进行处理。
优选地，若所述验证结果为验证通过的情况下，且在对所述开户请求进行处理之前，还可以实现如下功能：
获取所述用户的征信数据；
根据所述征信数据判断所述用户的信用是否满足预设信用条件；
若满足预设信用条件，则对所述开户请求进行处理。
优选地，步骤“对开户请求处理”可以包括：
生成一个账户信息，并将该账户信息与所述第一身份信息绑定；
将所述账户信息发送给所述终端。本领域普通技术人员可以理解上述实施例的各种方法中的全部或部分步骤是可以通过程序来指令相关的硬件来完成，该程序可以存储于一计算机可读存储介质中，存储介质可以包括：只读存储器（ROM，Read Only Memory）、随机存取记忆体（RAM，Random Access Memory）、磁盘或光盘等。
以上对本发明实施例所提供的一种信息验证和处理方法、装置、以及信息处理***进行了详细介绍，本文中应用了具体个例对本发明的原理及实施方式进行了阐述，以上实施例的说明只是用于帮助理解本发明的方法及其核心思想；同时，对于本领域的技术人员，依据本发明的思想，在具体实施方式及应用范围上均会有改变之处，综上所述，本说明书内容不应理解为对本发明的限制。

Claims (21)

  1. 一种信息验证方法，其中，包括如下步骤：
    接收网络服务器发送的信息验证请求，所述信息验证请求携带用户的第一身份信息，且由所述网络服务器在接收到所述用户的开户请求之后发送；
    获取网络数据平台存储的所述用户的第二身份信息，所述第二身份信息为经过所述网络数据平台实名认证的身份信息；
    根据所述第二身份信息对所述第一身份信息进行验证，以获取验证结果；以及
    将所述验证结果发送给所述网络服务器，以便所述网络服务器根据所述验证结果对所述开户请求进行处理。
  2. 如权利要求1所述的信息验证方法，其中，所述根据所述第二身份信息对所述第一身份信息进行验证，以获取验证结果的步骤包括：
    将所述第一身份信息与所述第二身份信息进行比较，以确定所述第一身份信息与所述第二身份信息是否相同；
    当所述第一身份信息与所述第二身份信息相同时，则判定对所述第一身份信息验证通过；
    当所述第一身份信息与所述第二身份信息不相同时，则判定对所述第一身份信息验证不通过。
  3. 如权利要求1所述的信息验证方法，其中，所述获取网络数据平台存储的所述用户的第二身份信息的步骤包括：
    获取所述网络数据平台授予所述用户的鉴权信息，所述鉴权信息用于登录所述网络数据平台；
    对所述鉴权信息进行校验；
    若对所述鉴权信息校验通过，则从网络数据平台获取其存储的所述用户的第二身份信息。
  4. 如权利要求1-3任一项所述的信息验证方法，其中，在所述验证结果为验证通过的情况下，在所述将所述验证结果发送给所述网络服务器之前；所述信息验证方法还包括：
    发送验证信息给所述用户的第一终端；
    接收所述用户的第二终端反馈的验证信息，所述第二终端与所述第一终端为相同或者不同的终端；
    将发送的验证信息与接收的验证信息进行比较，以确定发送的验证信息与接收的验证信息是否相同；
    若相同，则将所述验证结果发送给所述网络服务器。
  5. 如权利要求4所述的信息验证方法，其中，所述发送验证信息给所述用户对应的终端的步骤包括：
    获取所述网络数据平台存储的所述用户对应的通讯标识；
    根据所述通讯标识发送验证信息给所述第一终端。
  6. 一种信息处理方法，其中，包括如下步骤：
    接收终端发送的开户请求，所述开户请求携带用户的第一身份信息；
    根据所述开户请求向网络数据平台发送信息验证请求，所述信息验证请求携带所述用户的第一身份信息；
    接收网络数据平台根据所述信息验证请求返回的验证结果，所述验证结果由网络数据平台根据第二身份信息对所述第一身份信息进行验证而得到，所述第二身份信息为经过所述网络数据平台实名认证的身份信息；
    若所述验证结果为验证通过，则对所述开户请求进行处理；
    若所述验证结果为验证不通过，则拒绝对所述开户请求进行处理。
  7. 如权利要求6所述的信息处理方法，其中，若所述验证结果为验证通过的情况下，且在对所述开户请求进行处理之前，所述信息处理方法还包括：
    获取所述用户的征信数据；
    根据所述征信数据判断所述用户的信用是否满足预设信用条件；
    若满足预设信用条件，则对所述开户请求进行处理。
  8. 如权利要求6或7所述的方法，其中，所述对开户请求处理的步骤包括：
    生成一个账户信息，并将该账户信息与所述第一身份信息绑定；
    将所述账户信息发送给所述终端。
  9. 一种信息验证装置，其中，包括：第一接收模块、获取模块、验证模块和第一发送模块；
    所述第一接收模块，用于接收网络服务器发送的信息验证请求，所述信息验证请求携带用户的第一身份信息，且由所述网络服务器在接收到所述用户的开户请求之后发送；
    所述获取模块，用于获取网络数据平台存储的所述用户的第二身份信息，所述第二身份信息为经过所述网络数据平台实名认证的身份信息；
    验证模块，用于根据所述第二身份信息对所述第一身份信息进行验证；
    所述第一发送模块，用于将所述验证模块的验证结果发送给所述网络服务器，以便所述网络服务器根据所述验证结果对所述开户请求进行处理。
  10. 如权利要求9所述的信息验证装置，其中，所述验证模块，具体用于：
    将所述第一身份信息与所述第二身份信息进行比较，以确定所述第一身份信息与所述第二身份信息是否相同；
    当所述第一身份信息与所述第二身份信息相同时，则判定对所述第一身份信息验证通过；
    当所述第一身份信息与所述第二身份信息匹配不相同时，则判定对所述第一身份信息验证不通过。
  11. 如权利要求9所述的信息验证装置，其中，所述获取模块包括：鉴权信息获取子模块、校验子模块和身份信息获取子模块；
    所述鉴权信息获取子模块，用于获取所述网络数据平台授予所述用户的鉴权信息，所述鉴权信息用于登录所述网络数据平台；
    所述校验子模块，用于对所述鉴权信息进行校验；
    所述身份信息获取子模块，用于在所述校验子模块对所述鉴权信息校验通过的情况下，从所述网络数据平台获取其存储的所述用户的第二身份信息。
  12. 如权利要求9-11任一项所述的信息验证装置，其中，所述信息验证装置还包括：第二发送模块、第二接收模块和比较模块；
    所述第二发送模块，用于发送验证信息给所述用户的第一终端；
    所述第二接收模块，用于接收所述用户的第二终端反馈的验证信息，所述第一终端与所述第二终端为相同或者不相同的终端；
    所述比较模块，用于将发送的验证信息与接收的验证信息进行比较，以确定发送的验证信息与接收的验证信息是否相同；
    所述第一发送模块，用于在所述验证模块的验证结果为验证通过，且所述比较模块确定发送的验证信息与接收的验证信息相同时，将所述验证模块的验证结果发送给所述网络服务器。
  13. 一种信息处理装置，其中，包括：第一接收模块、发送模块、第二接收模块和开户处理模块；
    所述第一接收模块，用于接收终端发送的开户请求，所述开户请求携带用户的第一身份信息；
    所述发送模块，用于根据所述开户请求向网络数据平台发送信息验证请求，所述信息验证请求携带所述用户的第一身份信息；
    所述第二接收模块，用于接收网络数据平台根据所述信息验证请求返回的验证结果，所述验证结果由网络数据平台根据第二身份信息对所述第一身份信息进行验证而得到，所述第二身份信息为经过所述网络数据平台实名认证的身份信息；
    所述开户处理模块，用于：
    在所述验证结果为验证通过的情况下，对所述开户请求进行处理；
    在所述验证结果为验证不通过的情况下，拒绝对所述开户请求进行处理。
  14. 如权利要求13所述的信息处理装置，其中，还包括：信用判断模块；
    所述信用判断模块，用于：
    获取所述用户的征信数据；
    根据所述征信数据判断所述用户的信用是否满足预设信用条件；
    所述开户处理模块，具体用于在所述验证结果为验证通过，且所述信息判断模块判断为是的情况下，对所述开户请求进行处理。
  15. 一种信息处理方法，其中，包括如下步骤：
    网络服务器接收用户的终端发送的开户请求，所述开户请求携带所述用户的第一身份信息；
    所述网络服务器根据所述开户请求向网络数据平台发送信息验证请求，所述信息验证请求携带所述用户的第一身份信息；
    所述网络数据平台在接收到所述信息验证请求后，获取其存储的所述用户的第二身份信息，所述第二身份信息为经过所述网络数据平台实名认证的身份信息；
    所述网络数据平台根据所述第二身份信息对所述第一身份信息进行验证，以获取验证结果；并将所述验证结果发送给所述网络服务器；以及
    所述网络服务器在所述验证结果为验证通过的情况下，对所述开户请求进行处理；在所述验证结果为验证不通过的情况下，拒绝对所述开户请求进行处理。
  16. 如权利要求15所述的信息处理方法，其中，所述网络数据平台根据所述第二身份信息对所述第一身份信息进行验证，以获取验证结果的步骤包括：
    将所述第一身份信息与所述第二身份信息进行比较，以确定所述第一身份信息与所述第二身份信息是否相同；
    当所述第一身份信息与所述第二身份信息相同时，则判定对所述第一身份信息验证通过；
    当所述第一身份信息与所述第二身份信息不相同时，则判定对所述第一身份信息验证不通过。
  17. 如权利要求15所述的信息处理方法，其中，所述网络数据平台获取其存储的所述用户的第二身份信息的步骤包括：
    所述网络数据平台获其授予所述用户的鉴权信息，所述鉴权信息用于登录所述网络数据平台；
    所述网络数据平台对所述鉴权信息进行校验；
    若所述网络数据平台对所述鉴权信息校验通过，则所述网络数据平台从存储中调用所述用户的第二身份信息。
  18. 如权利要求15-17任一项所述的信息处理方法，其中，在所述网络数据平台的验证结果为验证通过的情况下，且在将所述验证结果发送给所述网络服务器之前，所述信息处理方法还包括：
    所述网络数据平台发送验证信息给所述用户对应的终端；
    所述网络数据平台接收所述终端反馈的验证信息；
    所述网络数据平台将发送的验证信息与接收的验证信息进行比较，以确定发送的验证信息与接收的验证信息是否相同；
    所述将验证结果发送给所述网络服务器的步骤包括：
    所述网络数据平台在确定发送的验证信息与接收的验证信息相同时，将所述验证结果发送给所述网络服务器。
  19. 如权利要求15-17任一项所述的信息处理方法，其中，在所述验证结果为验证通过的情况下，且在所述网络服务器对所述开户请求进行处理之前，所述信息处理方法还包括：
    所述网络服务器获取所述用户的征信数据；
    所述网络服务器根据所述征信数据判断所述用户的信用是否满足预设信用条件；
    若满足预设信用条件，则网络服务器对所述开户请求进行处理。
  20. 一种信息处理***，其中，包括：网络服务器和网络数据平台；
    所述网络服务器，用于接收用户的终端发送的开户请求，所述开户请求携带所述用户的第一身份信息；根据所述开户请求向网络数据平台发送信息验证请求，所述信息验证请求携带所述用户的第一身份信息；以及在所述验证结果为验证通过的情况下，对所述开户请求进行处理，在所述验证结果为验证不通过的情况下，拒绝对所述开户请求进行处理；
    所述网络数据平台，用于在接收到所述信息验证请求后，获取其存储的所述用户的第二身份信息，所述第二身份信息为经过所述网络数据平台实名认证的身份信息；根据所述第二身份信息对所述第一身份信息进行验证，以获取验证结果；并将所述验证结果发送给所述网络服务器。
  21. 一种存储介质，其中，所述存储介质内存储有处理器可执行指令，所述处理器可执行指令用于执行如下操作：
    接收网络服务器发送的信息验证请求，所述信息验证请求携带用户的第一身份信息，且由所述网络服务器在接收到所述用户的开户请求之后发送；
    获取网络数据平台存储的所述用户的第二身份信息，所述第二身份信息为经过所述网络数据平台实名认证的身份信息；
    根据所述第二身份信息对所述第一身份信息进行验证，以获取验证结果；以及
    将所述验证结果发送给所述网络服务器，以便所述网络服务器根据所述验证结果对所述开户请求进行处理。
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