Bank account opening method, device, terminal and storage medium

Abstract

The invention relates to the technical field of artificial intelligence, and provides a bank account opening method, device, terminal and storage medium. The method includes: receiving and authenticating four elements of a bank account to be identified bound when a user opens a second-class bank account; After the authentication is passed, start the camera to shoot the face, and use the live detection technology to determine that the face shot on the scene is a real person, and when it is verified that it is the same person, an electronic payment request is sent to the bank account to be identified, and the payment returned by the bank account to be identified is received. After the result notification message, identify whether the bank account to be identified is a first-class bank account based on the payment result notification message, and perform an account opening operation for a second-class bank account when it is determined that the bank account to be identified is a first-class bank account. The invention quickly identifies whether the bank account to be identified is a first-class bank account based on the payment result notification message, thereby improving the account opening efficiency of the second-class bank account.

Description

technical field [0001] The invention relates to the technical field of bank cards, in particular to a method, device, terminal and storage medium for opening a bank account. Background technique [0002] Electronic bank account is an innovative product based on the management methods for RMB accounts of Type I, Type II, and Type III accounts proposed by the People's Bank of China in recent years. According to the requirements of account classification management, when opening a second-class bank account, it is necessary to verify whether the bound bank account submitted by the user is a first-class bank account. [0003] In the existing bank account opening system, it is cumbersome and time-consuming to process and identify whether the bound bank account submitted by the user is a first-class bank account, resulting in a low card opening efficiency of the second-class bank card; When checking whether the bank account is a first-class bank account, based on the information s...

AI Technical Summary

Problems solved by technology

[0003] In the existing bank account opening system, when identifying whether the bound bank account submitted by the user is a first-class bank account, the operation is cumbersome and time-consuming, resulting in low efficiency in opening a second-class bank card; When the bank account is a first-class bank account, it is checked based on the information submitted by the user, and an error occurs, resulting in the account opening operation being performed when the user should not open a second-class bank account

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