Online account opening method and online account opening system for bank

Abstract

The invention discloses an online account opening method and an online account opening system for a bank. The online account opening method comprises the following steps: creating an interface associated with an electronic certificate database of the Guangdong province; acquiring an account opening request sent by a client; acquiring electronic certificate information through two-dimensional code information generated by the Guangdong province identified by the client; extracting an identity card in the electronic certificate information, and generating identity card information; obtaining current face information of an account opening person through the client; and comparing the photo in the identity card information with the face information through a living body detection technology, carrying out scoring, executing an account opening step when the score exceeds a set value, and returning an account opening failure prompt to the client when the score does not exceed the set value. The online account opening system comprises an identity card information acquisition module, a face checking module and an account opening module. The bank online account opening method and the bank online account opening system solve the problems of low checking accuracy and low account opening efficiency.

Description

technical field [0001] The invention relates to the technical field of financial account processing, in particular to an online bank account opening method and an online account opening system. Background technique [0002] Existing banks usually use offline counters to open accounts, and bank business personnel handle bank card account opening business for customers face to face. After receiving the account opening service request, the banking personnel need the account holder to provide an ID card to identify the account holder's information, and ensure that the ID card is consistent with the account holder. Manual verification is easily affected by the subjectivity of banking personnel, resulting in low verification accuracy. In addition, due to the low efficiency of offline bank account opening and the need to queue up, the customer experience is not good. Contents of the invention [0003] In view of the above defects, the purpose of the present invention is to prop...

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Problems solved by technology

[0003] In view of the above defects, the purpose of the present invention is to propose an online bank account opening method, which solves the problems of low accuracy of verification and low efficiency of account opening through the steps of obtaining ID card information and face verification

[0004] In view of the above defects, another object of the present invention is to propose an online account opening system for banks, an ID card information acquisition module and a face verification module, which solve the problems of low verification accuracy and low efficiency of account opening

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