Account opening method and device
A user and user information technology, applied in the financial field, can solve the problem of the account opening process taking a long time, and achieve the effect of shortening the time occupied and improving efficiency
Pending Publication Date: 2022-08-05
BANK OF CHINA
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Problems solved by technology
[0003] However, the account opening process takes a long time, and sometimes it cannot meet the needs of users. Therefore, there is an urgent need for a solution that can shorten the time occupied by the account opening process, so as to meet the needs of users as much as possible.
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[0039] In order to make those skilled in the art better understand the solutions of the present application, the technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the accompanying drawings in the embodiments of the present application. Obviously, the described embodiments are only It is a part of the embodiments of the present application, but not all of the embodiments. Based on the embodiments in the present application, all other embodiments obtained by those of ordinary skill in the art without creative efforts shall fall within the protection scope of the present application.
[0040] The inventor of the present application has found through research that in some scenarios, for example, when an overseas user opens an account, the entire process of opening an account for a user by a financial institution takes a long time, such as several days or even a dozen days. This is because in one examp...
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The invention discloses an account opening method which can be applied to the financial field or other fields, and the method comprises the steps: receiving an account opening request which is used for requesting to open an account for a first user, then obtaining the user information of the first user, and inputting the user information of the first user into a credit evaluation model, and obtaining a credit value corresponding to the user information. And after the credit value corresponding to the user information is obtained, if the credit value corresponding to the user information is greater than or equal to a preset credit value, the credit of the first user is good, and at the moment, an account can be opened for the first user. By means of the scheme, after the account opening request is received, the credit of the first user can be determined through the credit evaluation model, the account is opened for the first user under the condition that the credit of the first user is good, the time occupied by the whole account opening process is short, and therefore the efficiency of opening the account for the first user can be effectively improved through the scheme.
Description
technical field [0001] The present application relates to the financial field, and in particular, to a method and device for opening an account. Background technique [0002] In some scenarios, the entire process of opening an account for a user by a financial institution takes a long time, such as several days or even a dozen days. This is because in one example: after submitting the account opening request, the user information needs to be verified by one or more third-party organizations. [0003] The account opening process takes a long time and sometimes cannot meet the needs of users. Therefore, there is an urgent need for a solution that can shorten the time occupied by the account opening process, so as to meet the needs of users as much as possible. SUMMARY OF THE INVENTION [0004] The technical problem to be solved by this application is how to shorten the time occupied by the account opening process, and provide an account opening method and device. [0005] ...
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IPC IPC(8): G06Q40/02G06K9/62
CPCG06Q40/02G06F18/214
Inventor 蒋金孟张燕毛泊涵
Owner BANK OF CHINA