Business processing method, device, electronic device and storage medium

Abstract

The present invention discloses a method, device, electronic device and storage medium for business processing, and relates to the field of computer technology. A specific implementation of the method includes: receiving a user's account opening request, obtaining a first confirmation letter identifier, a user identifier and user information in the account opening request; calling a preset pre-examination component, performing a pre-examination on the user based on the user information, obtaining a pre-examination result, and storing the first confirmation letter identifier and the user identifier after determining that the pre-examination result is a target value; receiving the account opening information sent by the user, obtaining the user identifier, the account opening document and the second confirmation letter identifier in the account opening information; querying the first confirmation letter identifier based on the user identifier, and triggering an account opening event after determining that the first confirmation letter identifier and the second confirmation letter identifier are consistent. This implementation can solve the problem in the prior art that users need to travel back and forth to the business location multiple times to handle account opening business due to failure in the review, which not only wastes the user's time and energy, but also reduces the efficiency of business processing.

Description

Technical Field

[0001] The present invention relates to the field of computer technology, and in particular to a business processing method, device, electronic device and storage medium. Background Art

[0002] For some financial services, users must first visit the corresponding business location to open an account. For example, for the Southbound Wealth Management Connect, domestic residents must personally travel to Hong Kong to complete the account opening and contract signing process before they can make investments or other operations. Account opening procedures require verification by business personnel before proceeding. However, sometimes, due to failures in the verification process, account opening cannot be completed in one go, requiring users to make multiple trips. This not only wastes users' time and energy but also reduces business processing efficiency. Summary of the Invention

[0003] In view of this, the embodiments of the present invention provide a method, device, electronic device and storage medium for business processing, which can solve the problem in the prior art that users need to travel back and forth to the business location multiple times to open an account due to failure in the review, which not only wastes the user's time and energy, but also reduces the efficiency of business processing.

[0004] To achieve the above objective, according to one aspect of an embodiment of the present invention, a service processing method is provided.

[0005] A business processing method of an embodiment of the present invention includes: receiving a user's account opening request, obtaining a first confirmation letter identifier, user identifier and user information in the account opening request; calling a preset pre-examination component, performing a pre-examination on the user based on the user information, obtaining a pre-examination result, and after determining that the pre-examination result is a target value, storing the first confirmation letter identifier and the user identifier, and sending a prompt message allowing account opening to the user; receiving the account opening information sent by the user, obtaining the user identifier, account opening file and second confirmation letter identifier in the account opening information; querying the first confirmation letter identifier based on the user identifier, and after determining that the first confirmation letter identifier and the second confirmation letter identifier are consistent, triggering an account opening event to open an account for the user based on the account opening file.

[0006] In one embodiment, before receiving the user's account opening request, the method further includes:

[0007] Receive a business processing request sent by the user, obtain a user identifier in the business processing request, and query asset information corresponding to the user;

[0008] Determine whether the asset information meets the preset conditions; if so, generate a confirmation letter identifier corresponding to the user identifier, so that the user sends the account opening application based on the confirmation letter identifier; if not, send a service failure message to the user.

[0009] In yet another embodiment, the pre-screening component includes a blacklist query component;

[0010] Calling a preset pre-screening component to perform a pre-screening on the user based on the user information, and obtaining a pre-screening result, including:

[0011] Invoking a preset blacklist screening component to query whether the preset blacklist includes the user based on the user information;

[0012] If not, the preliminary examination result is determined to be passed; if so, the preliminary examination result is determined to be failed.

[0013] In yet another embodiment, the pre-screening component includes a list screening component;

[0014] Calling a preset pre-screening component to perform a pre-screening on the user based on the user information, and obtaining a pre-screening result, including:

[0015] Invoking a preset list screening component to calculate the similarity between the user and pre-stored list users based on the user information, determining the list users corresponding to similarities greater than a preset threshold as similar users of the user, obtaining user information of the similar users, and determining whether the similar users are the user;

[0016] If not, the preliminary examination result is determined to be passed; if so, the preliminary examination result is determined to be failed.

[0017] In yet another embodiment, the pre-screening component includes an external information review component, and the user information includes external information survey results;

[0018] Calling a preset pre-screening component to perform a pre-screening on the user based on the user information, and obtaining a pre-screening result, including:

[0019] Invoking a preset external information review component to identify the external information survey result, calculate an external information survey score based on a preset result level, and then determine whether the external information survey score is greater than a preset score threshold;

[0020] If not, the preliminary examination result is determined to be passed; if so, the preliminary examination result is determined to be failed.

[0021] In yet another embodiment, calling a preset pre-screening component to perform a pre-screening on the user based on the user information, obtaining a pre-screening result, determining that the pre-screening result is a target value, storing the first confirmation letter identifier and the pre-screening result, and sending an account opening reminder message to the user includes:

[0022] Invoking a preset pre-screening component to perform a pre-screening on the user based on the user information, obtaining a pre-screening result, and setting the status corresponding to the account opening request to a check-completed status;

[0023] Determine whether the pre-examination result is passed. If so, set the status corresponding to the account opening request to an account opening allowed status, store the first confirmation letter identifier and the pre-examination result, and send an account opening reminder message to the user; if not, set the status corresponding to the account opening request to an account opening not allowed status.

[0024] In yet another embodiment, further comprising:

[0025] Obtain a status corresponding to the account opening request to display the status corresponding to the account opening request to the user.

[0026] In yet another embodiment, before receiving the account opening information sent by the user, the method further includes:

[0027] querying historical records based on the first confirmation letter identifier to determine whether the historical records include a historical account opening request corresponding to the first confirmation letter identifier;

[0028] If so, the status of the historical account opening request is set to a canceled application status, and the account opening request is added to the historical record; if not, the account opening request is added to the historical record.

[0029] In yet another embodiment, before receiving the account opening information sent by the user, the method further includes:

[0030] Receiving a cancellation request sent by the user, and obtaining a third confirmation letter identifier in the cancellation request;

[0031] Based on the third confirmation letter identifier, the account opening request of the user is searched from the historical records, and the status of the account opening request is set to a cancellation status.

[0032] To achieve the above objective, according to another aspect of an embodiment of the present invention, a device for business processing is provided.

[0033] A business processing device according to an embodiment of the present invention includes: a receiving unit for receiving an account opening request from a user, and obtaining a first confirmation letter identifier, a user identifier, and user information in the account opening request; a pre-examination unit for calling a preset pre-examination component, performing a pre-examination on the user based on the user information, obtaining a pre-examination result, and after determining that the pre-examination result is a target value, storing the first confirmation letter identifier and the user identifier, and sending a prompt message allowing account opening to the user; the receiving unit for receiving the account opening information sent by the user, and obtaining the user identifier, the account opening file, and the second confirmation letter identifier in the account opening information; an account opening unit for querying the first confirmation letter identifier based on the user identifier, and after determining that the first confirmation letter identifier and the second confirmation letter identifier are consistent, triggering an account opening event to open an account for the user based on the account opening file.

[0034] In one embodiment, the receiving unit is further configured to receive a business processing request sent by the user, obtain a user identifier in the business processing request, and query asset information corresponding to the user;

[0035] The device further comprises:

[0036] A generating unit is used to determine whether the asset information meets the preset conditions; if so, generate a confirmation letter identifier corresponding to the user identifier, so that the user sends the account opening application based on the confirmation letter identifier; if not, send a service failure message to the user.

[0037] In yet another embodiment, the pre-screening component includes a blacklist query component;

[0038] The pre-examination unit is specifically used to:

[0039] Invoking a preset blacklist screening component to query whether the preset blacklist includes the user based on the user information;

[0040] If not, the preliminary examination result is determined to be passed; if so, the preliminary examination result is determined to be failed.

[0041] In yet another embodiment, the pre-screening component includes a list screening component;

[0042] The pre-examination unit is specifically used to:

[0043] Invoking a preset list screening component to calculate the similarity between the user and pre-stored list users based on the user information, determining the list users corresponding to similarities greater than a preset threshold as similar users of the user, obtaining user information of the similar users, and determining whether the similar users are the user;

[0044] If not, the preliminary examination result is determined to be passed; if so, the preliminary examination result is determined to be failed.

[0045] In yet another embodiment, the pre-screening component includes an external information review component, and the user information includes external information survey results;

[0046] The pre-examination unit is specifically used to:

[0047] Invoking a preset external information review component to identify the external information survey result, calculate an external information survey score based on a preset result level, and then determine whether the external information survey score is greater than a preset score threshold;

[0048] If not, the preliminary examination result is determined to be passed; if so, the preliminary examination result is determined to be failed.

[0049] In yet another embodiment, the pre-trial unit is specifically configured to:

[0050] Invoking a preset pre-screening component to perform a pre-screening on the user based on the user information, obtaining a pre-screening result, and setting the status corresponding to the account opening request to a check-completed status;

[0051] Determine whether the pre-examination result is passed. If so, set the status corresponding to the account opening request to an account opening allowed status, store the first confirmation letter identifier and the pre-examination result, and send an account opening reminder message to the user; if not, set the status corresponding to the account opening request to an account opening not allowed status.

[0052] In yet another embodiment, the apparatus further comprises:

[0053] The display unit is configured to obtain a status corresponding to the account opening request, so as to display the status corresponding to the account opening request to the user.

[0054] In yet another embodiment, the apparatus further comprises:

[0055] a query unit, configured to query historical records based on the first confirmation letter identifier to determine whether the historical records include a historical account opening request corresponding to the first confirmation letter identifier;

[0056] The adding unit is configured to, if yes, set the status of the historical account opening request to a cancellation status and add the account opening request to the historical record; if no, add the account opening request to the historical record.

[0057] In yet another embodiment, the receiving unit is further configured to receive a cancellation request sent by the user, and obtain a third confirmation letter identifier in the cancellation request;

[0058] The device further comprises:

[0059] The setting unit is configured to query the user's account opening request from historical records based on the third confirmation letter identifier, and set the status of the account opening request to a cancellation status.

[0060] To achieve the above objective, according to another aspect of an embodiment of the present invention, an electronic device is provided.

[0061] An electronic device according to an embodiment of the present invention includes: one or more processors; a storage device for storing one or more programs, and when the one or more programs are executed by the one or more processors, the one or more processors implement the business processing method provided by the embodiment of the present invention.

[0062] To achieve the above objective, according to another aspect of an embodiment of the present invention, a computer-readable medium is provided.

[0063] A computer-readable medium according to an embodiment of the present invention stores a computer program, which, when executed by a processor, implements the service processing method provided by the embodiment of the present invention.

[0064] An embodiment of the above invention has the following advantages or beneficial effects: In the embodiment of the present invention, after receiving the user's account opening request, the first confirmation letter identifier and user information therein can be obtained, and the user information can be pre-examined based on a preset pre-examination component; when it is determined that the pre-examination result is the target value, it means that the user pre-examination has passed, then the first confirmation letter identifier and user identifier can be stored, and a prompt message allowing account opening can be sent to the user; when the user's account opening information is received, the user identifier, account opening file and second confirmation letter identifier in the account opening information can be obtained, and then the stored first confirmation letter identifier can be queried based on the user identifier. When it is determined that the first confirmation letter identifier and the second confirmation letter identifier are consistent, it means that the user's pre-examination has passed, then an account opening event can be triggered to perform account opening business processing for the user based on the account opening file. In an embodiment of the present invention, the user can be pre-screened based on the information in the account opening request, and the user can be prompted to open an account after passing the pre-screening. When opening an account, the user can directly query whether the pre-screening is passed based on the confirmation letter identifier, and execute the account opening service after determining that the pre-screening is passed to open an account for the user. In this way, the user pre-screening process does not require round trips to the business location, and the account can be opened based on the prompt message after passing the pre-screening, which not only saves the user's time and energy in business processing, but also improves the business processing efficiency.

[0065] The further effects of the above-mentioned non-conventional optional manner will be described below in conjunction with specific embodiments. BRIEF DESCRIPTION OF THE DRAWINGS

[0066] The accompanying drawings are provided for a better understanding of the present invention and are not intended to limit the present invention.

[0067] Figure 1 This is a schematic diagram of an architecture of a business processing system according to an embodiment of the present invention;

[0068] Figure 2 is a schematic diagram of a main process of a service processing method according to an embodiment of the present invention;

[0069] Figure 3 is a schematic diagram of a main process of a preliminary examination method according to an embodiment of the present invention;

[0070] Figure 4 is a schematic diagram of main units of an apparatus for service processing according to an embodiment of the present invention;

[0071] Figure 5 is another exemplary system architecture diagram to which the embodiments of the present invention can be applied;

[0072] Figure 6 It is a schematic diagram of the structure of a computer system suitable for implementing the embodiment of the present invention. DETAILED DESCRIPTION

[0073] The following description of exemplary embodiments of the present invention is made in conjunction with the accompanying drawings, in which various details of the embodiments of the present invention are included to facilitate understanding. These details should be considered as merely exemplary. Therefore, it should be appreciated by those skilled in the art that various changes and modifications may be made to the embodiments described herein without departing from the scope and spirit of the present invention. Similarly, for the sake of clarity and conciseness, descriptions of well-known functions and structures are omitted in the following description.

[0074] It should be noted that, in the absence of conflict, the embodiments of the present invention and the features in the embodiments may be combined with each other.

[0075] An embodiment of the present invention provides a business processing system that can be used to handle account opening for users of financial services. For example, in this embodiment of the present invention, using the Southbound Wealth Management Connect (SWM Connect) as an example, users must first open an account for this service. The business processing system in this embodiment of the present invention can be used to handle account opening for users of the Southbound Wealth Management Connect (SWM Connect). In the Southbound Wealth Management Connect (SWM Connect) service, domestic residents can open offshore SWM Connect settlement accounts and investment accounts, bind domestic bank accounts, sign up for SWM Connect products, and generate SWM Connect contracts. After the contract takes effect, funds can be transferred between offshore SWM Connect settlement accounts and domestic bank accounts to purchase investment and wealth management products from offshore banks. Regulatory requirements require mainland users to travel to Hong Kong in person to complete account opening and contract signing for the Southbound Wealth Management Connect. In this embodiment of the present invention, to reduce the number of trips mainland users make to and from Hong Kong, a business processing system is provided. Users can undergo a preliminary review within the system and, upon passing the review, proceed directly to account opening.

[0076] The business processing system in the embodiment of the present invention mainly includes three parts: Figure 1 As shown, the modules are the qualification review module, the pre-qualification module, and the account opening module. The qualification review module is typically deployed at mainland branches and verifies user qualifications. Upon approval, a confirmation letter is generated for the user, facilitating subsequent processes. The qualification review module also provides a pre-fill function for users after passing the qualification review, allowing them to easily fill in their pre-qualification information. The pre-qualification module allows for user pre-qualification in various areas, such as anti-money laundering review, supplementary information review, and account opening contract review. After passing the pre-qualification, the user is prompted to open an account. The account opening module facilitates the account opening and contract signing process for the user.

[0077] It should be noted that Southbound Wealth Management Connect typically requires user qualification reviews, including: 1. ID verification to ensure the user is personally applying; 2. Greater Bay Area (GBA) identity verification, specifically based on GBA household registration or corresponding social security payment information; 3. Assets meeting pre-set requirements, which may include: personal assets exceeding RMB 1 million and family assets exceeding RMB 2 million; and 4. The user is a non-VC (Vulnerable Customer) user. Due to these qualification review requirements, users must bring relevant documents and information to a domestic bank branch. Both the GBA and non-VC user requirements are typically reviewed offline by staff. After the offline review passes, the business processing system can query the user's asset information based on the user ID and review other information. Upon successful review, a confirmation letter application and a confirmation letter will be generated for the user, including a confirmation letter identifier. This allows the business processing system to link the qualification review module with the account opening module, making it convenient and efficient.

[0078] The embodiment of the present invention provides a business processing method, which can be executed by a business processing system, such as Figure 2 As shown, the method includes:

[0079] S201: Receive a user's account opening request, and obtain the first confirmation letter identifier, user identifier, and user information in the account opening request.

[0080] The confirmation letter identifier is generated by the business processing system and sent to the user for storage after the user's qualifications are reviewed and approved. It is a unique identifier for the user's subsequent pre-examination and account opening. In this step, after the user's qualifications are reviewed and approved, an account opening request can be sent. The account opening request includes the first confirmation letter identifier (i.e., the confirmation letter identifier stored by the user), the user identifier, and the user information. User information can include the documents and user data required for each pre-examination, such as basic personal information, household wealth and income sources, and the expected level of household activities. The user identifier can include a combination of the user name, user ID type, and user ID number.

[0081] Before executing this step, the business processing system can also perform a qualification review on the user, which can be specifically performed as follows: receiving the business processing request sent by the user, obtaining the user identifier in the business processing request to query the asset information corresponding to the user; determining whether the asset information meets the preset conditions; if so, generating a confirmation letter identifier corresponding to the user identifier, so that the user stores the confirmation letter identifier, and then sends an account opening application based on the confirmation letter identifier; if not, sending a message to the user that the business cannot be processed.

[0082] Asset information can include the user's deposit amount, wealth management amount, and family deposit amount, among other things, to determine whether the asset information meets preset conditions. If so, the user's qualifications are considered approved, and a confirmation letter corresponding to the user ID is generated. This confirmation letter also includes information such as the confirmation letter ID, user ID type, user ID number, domestic bank account number to be bound, the overseas branch to be scheduled, and the account opening time. If not, the user's qualifications are considered approved, and a message indicating that the service cannot be processed may be sent to the user.

[0083] It should be noted that, when reviewing the user's qualifications, the business processing system can also query the user's personal identity information based on the user identifier to verify whether it is the user himself, and after the user's qualifications are reviewed and approved, the preset relevant terms (such as the risk-bearing method) can also be signed with the user. After the user's qualifications are reviewed and approved, the user can pre-fill the electronic information for cross-border account opening through the information pre-filling function, that is, the overseas eform, which is the user information in this step. After the user information is filled in, the pre-examination module in the business processing system can generate a cross-border account opening application, that is, the account opening request in this step, so that the user can execute the pre-examination process. In an embodiment of the present invention, a progress query function can also be provided in the qualification review module so that the user can query the progress of the qualification review and pre-examination.

[0084] S202: Calling a preset pre-screening component, performing a pre-screening on the user based on the user information, obtaining a pre-screening result, and after determining that the pre-screening result is the target value, storing the first confirmation letter identifier and the user identifier, and sending a prompt message to the user allowing account opening.

[0085] The pre-screening component is pre-configured and can be provided by a third party. Pre-screening results typically include approval or rejection. Generally, the approval result for each pre-screening is considered to indicate that the user has passed the pre-screening. The first confirmation letter identifier and user identifier, along with the review result, can be stored, and a notification message indicating that the user is allowed to open an account can be sent to the user, prompting them to proceed with the account opening process. The target value can be specifically approval.

[0086] In the embodiment of the present invention, the pre-examination mainly includes anti-money laundering review, which can specifically include VC review, blacklist query, list screening, risk assessment and external information review. Each review corresponds to a pre-examination component, namely, VC review component, blacklist query component, list screening component, reputation component and external information review component.

[0087] Specifically, VC audit can be used to review a user's physical defects. Specifically, the VC audit component can be used to obtain the user's medical data for VC audit and obtain the corresponding pre-audit results. Risk assessment is to evaluate the user's financial risks, etc. Specifically, the reputation component can be used to obtain the user's historical financial business data for risk assessment and obtain the corresponding pre-audit results.

[0088] Blacklist query means querying whether the user is in the preset blacklist. Specifically, the preset blacklist screening component can be called to query whether the preset blacklist includes the user based on the user information; if not, the pre-screening result is determined to be passed; if so, the pre-screening result is determined to be failed.

[0089] List screening includes preset list users, that is, the list of users in various financial institutions who have experienced negative events such as violations. List screening is to calculate the similarity between the user and the list users based on the user information and the information of the list users. If the similarity is greater than the preset threshold, the two are likely to be the same person. At this time, more detailed user information of the list user can be obtained for judgment. If it is determined that the two are the same person, it means that the user has had negative events in other financial institutions, and the preliminary review result is failure; if it is determined that the two are not the same person, the preliminary review result is passed. The specific implementation is: call the preset list screening component, calculate the similarity between the user and the pre-stored list users based on the user information, and determine the list users corresponding to the similarity greater than the preset threshold as the user's similar users, obtain the user information of the similar users to determine whether the similar users are the user; if not, determine the pre-review result as passed; if so, determine the pre-review result as failed.

[0090] User information may include external information survey results, such as external information questionnaire survey results, etc. External information review is to calculate the user's financial investment score based on the external information survey results, namely the external information survey score. The preliminary review result is passed only when the external information survey score is greater than the score threshold. The specific implementation is: calling the preset external information review component, identifying the external information survey results, calculating the external information survey score based on the preset result level, and then determining whether the external information survey score is greater than the preset score threshold; if so, the preliminary review result is determined to be passed; if not, the preliminary review result is determined to be failed.

[0091] It should be noted that if the pre-examination result fails due to incorrect or missing user information during the pre-examination process, a prompt message can be sent to the user to re-enter the information, and then the pre-examination can be re-executed based on the information re-entered by the user.

[0092] S203: Receive the account opening information sent by the user, and obtain the user ID, account opening file and second confirmation letter ID in the account opening information.

[0093] Specifically, account opening documents may include a qualification review and confirmation letter for Wealth Management Connect, as well as copies of ID cards, household registration pages / social security payment records, proof of assets held by domestic banks for the past six months, and other supporting documents. Account opening documents are typically stamped, signed, and dated by a domestic bank branch. Southbound Wealth Management Connect account opening typically requires on-site processing by the user. After passing the preliminary review, the user can bring the account opening information to the designated overseas branch specified in the confirmation letter. After receiving the user's account opening information, the business processing system can first obtain the user ID, account opening documents, and the second confirmation letter ID (the confirmation letter ID stored by the user).

[0094] S204: querying the first confirmation letter identifier based on the user identifier, and after determining that the first confirmation letter identifier and the second confirmation letter identifier are consistent, triggering an account opening event to open an account for the user based on the account opening document.

[0095] If the user passes the pre-screening, the business processing system will store the user's confirmation letter identifier (i.e., the first confirmation letter identifier), user identifier, and pre-screening result in step S202. Therefore, after querying the first confirmation letter identifier stored in the business processing system based on the user identifier, the first confirmation letter identifier should be consistent with the second confirmation letter identifier. Therefore, after confirming that the first confirmation letter identifier and the second confirmation letter identifier are consistent in this step, it can be determined that the user pre-screening has passed, and an account opening event can be triggered to open an account for the user based on the account opening document.

[0096] Account opening events can include several processes: user identification, anti-money laundering review, information supplementation, settlement account opening, investment account opening inspection, and contract signing. User identification refers to the process of authenticating the user and verifying their identity and other information. Anti-money laundering inspection can be performed based on the results of the pre-screening review. If the pre-screening review is passed and within the preset validity period, the AML review is directly considered passed. If the pre-screening review is failed or the pre-screening review is not within the preset validity period, the AML review must be re-performed. Information supplementation prompts users to supplement their information if required documents for account opening are missing. Settlement account opening refers to opening a settlement account for a user through the Southbound Wealth Management Connect. Investment account opening inspection involves checking the corresponding reputation, investment grade, and other aspects to determine the financial products suitable for the user. Contract signing refers to linking cross-border and domestic accounts to facilitate fund flow.

[0097] In this embodiment of the present invention, the business processing system connects the qualification review, pre-qualification, and account opening processes in series, allowing users to display the progress of each stage, allowing them to check the account opening progress in a timely manner. This also eliminates the need for user pre-qualification, enabling faster processing of Licaitong account opening contracts, and significantly reducing user processing time, improving both user experience and processing efficiency.

[0098] In an embodiment of the present invention, the user can be pre-screened based on the information in the account opening request, and the user can be prompted to open an account after passing the pre-screening. When opening an account, the user can directly query whether the pre-screening is passed based on the confirmation letter identifier, and execute the account opening service after determining that the pre-screening is passed to open an account for the user. In this way, the user pre-screening process does not require round trips to the business location, and the account can be opened based on the prompt message after passing the pre-screening, which not only saves the user's time and energy in business processing, but also improves the business processing efficiency.

[0099] In the embodiment of the present invention, the pre-examination process can be divided into different stages, and the status of the corresponding account opening application is set for each stage to reflect the progress of the pre-examination. Figure 2 The embodiment shown in FIG. 1 specifically illustrates step S202 in the embodiment of the present invention. Figure 3 As shown, the method includes:

[0100] S301: calling a preset pre-screening component to perform a pre-screening on the user based on the user information, obtaining a pre-screening result, and setting the status corresponding to the account opening request to a check completed status.

[0101] S302: Determine whether the pre-examination result is passed. If so, set the status corresponding to the account opening request to the account opening allowed status, store the first confirmation letter identifier and the pre-examination result, and send an account opening prompt message to the user; if not, set the status corresponding to the account opening request to the account opening not allowed status.

[0102] In an embodiment of the present invention, pre-screening can be divided into two parts: inspection and review. Inspection refers to the process of checking, re-entering, submitting, and other operations on user information based on the maker (inspector), that is, the process of performing pre-screening on the user based on the pre-screening component and obtaining the pre-screening results. The corresponding status is the inspection completion status. Review means that after obtaining the pre-screening results, the checker (reviewer) can compare and review the pre-screening content with the pre-screening results and user information to determine whether the user is allowed to open an account. The corresponding status is the account opening permission status or the account opening permission status. Therefore, the above is the state change during the specific execution of step S202.

[0103] In order to facilitate user viewing, the business processing system can obtain the status corresponding to the account opening request periodically and in real time to display the status corresponding to the account opening request to the user.

[0104] In the embodiment of the present invention, the pre-examination process can be divided into different stages, and the status of the corresponding account opening application is set for each stage to reflect the progress of the pre-examination and facilitate user viewing.

[0105] In an embodiment of the present invention, in order to more fully reflect the progress of the pre-examination, more detailed states can be set for the pre-examination process, and the pre-examination processing flow can be controlled through state transitions. Table 1 shows a detailed description of each state in the pre-examination process, where each turntable can be set with a corresponding state node to execute the corresponding transition process.

[0106] The pre-examination mainly carries out process approval in the pre-examination module, that is, to review user information and conduct flow collaboration between different positions and statuses. The pre-examination mainly includes state management and flow control during the review process. The business processing system can support various process searches, information temporary storage, state flow tracking, system automation processing and other mechanisms to complete the pre-examination process. The pre-examination module needs to handle the state flow and collaboration between different positions, so it is necessary to reasonably divide the state corresponding to the operation authority of each node. In the embodiment of the present invention, the pre-examination module mainly realizes 11 state nodes technically, each state node has a corresponding operation position, and the business elements that can be operated under each state node can be shown in Table 1. The flow and control relationship between all state nodes can be configured and verified in the pre-examination module.

[0107] Table 1

[0108]

[0109]

[0110] Table 1 lists all 11 statuses, their corresponding descriptions, and available actionable roles. S6, S7a, and S7b are set to completed status. This means no action is required for the account opening request after entering this status. Therefore, there are no corresponding actionable roles, indicating that the user has completed the cross-border account opening goal for this Licaitong account, or that the user has canceled the account opening request.

[0111] When receiving an account opening application, the processing state is S0, indicating that the user has completed the qualification review and submitted the account opening request. S0 serves as the initial state for subsequent state transitions. S1 and S2 are the inspection process, while the others are the review process and the corresponding review results. The completion of step S301 corresponds to the S2 state in Table 1. The account opening status in step S302 corresponds to the S5a and S5b states in Table 1. The account opening status in step S302 does not correspond to the S6, S7a, and S7b states in Table 1.

[0112] In the embodiment of the present invention, data from the inspection stage and the review stage can be stored and shared, and the information approved by the pre-review module can be directly used as the access content for subsequent account opening, thereby enabling rapid processing of account opening.

[0113] Table 2 shows the flow of each state in Table 1. The state marked with "√" in each row of Table 2 is the state that the corresponding row can flow to. As shown in Table 2, state S0 can only flow to S1, S7a, or S7b; S1 can only flow to S2, S7a, or S7b, and the remaining states flow according to the method in Table 2. The pre-examination module can configure the input conditions for each state flow according to Table 2. The flow rules are pre-set, and the output result, that is, the state to be flowed to, is calculated based on the input elements and the flow rules. The flow rules can effectively control the flow between states according to normal business rules, ensuring the accuracy of the review process and preventing malicious processing.

[0114] Table 2

[0115] S0 S1 S2 S3 S4a S4b S5a S5b S6 S7a S7b S0 √ √ √ S1 √ √ √ S2 √ √ √ S3 √ √ √ √ √ S4a √ √ √ √ S4b √ √ S5a √ √ √ S5b √ √ √

[0116] Specifically, the flow control of each state is described in detail below.

[0117] S0 state transition control: S0 is the initial state of the account opening request. As shown in Table 2, S0 can transition to S1, S7a, and S7b. Specific input elements include: position information, current state (S0), and next state node; output can be: success or failure. Success indicates normal progression to the next state node; failure indicates submission with an error and remaining in the current state.

[0118] It should be noted that after receiving an account opening application, it can be stored in the historical record. In embodiments of the present invention, the account opening request can be uniquely identified by the confirmation letter identifier, limiting each user to only one valid account opening application during the pre-qualification phase. Specifically, after receiving an account opening request, the following can be performed: querying the historical record based on the first confirmation letter identifier to determine whether the historical record contains a previous account opening request corresponding to the first confirmation letter identifier; if so, setting the status of the previous account opening request to a canceled state and adding the account opening request to the historical record; if not, adding the account opening request to the historical record. Specifically, the historical record is queried based on the first confirmation letter identifier to determine whether an account opening request corresponding to the first confirmation letter identifier, i.e., a previous account opening request, has already been received. If so, setting the status of the previous account opening request to a canceled state and adding the account opening request to the historical record, overwriting the previous account opening request and ensuring that only one valid account opening request is submitted by the same user; if not, adding the account opening request to the historical record. This ensures that account opening requests in states other than S0 and neither S7a nor S7b are submitted repeatedly.

[0119] S1 state flow control: In the S1 state, all customer application information can be checked, reviewed, and submitted. Before the S1 state flows to other states, the user information can be pre-reviewed through the preset pre-review component. Specific input elements may include: position information, current state, next state node, pre-review results corresponding to VC review, pre-review results corresponding to blacklist query, pre-review results corresponding to list user screening, pre-review results corresponding to reputation level, and pre-review results corresponding to external information review; the output can be: whether each review result is passed, and whether it is successful or failed.

[0120] S2 state transition control: The S2 state primarily displays the preliminary review results of S1, indicating whether each review result passes, and whether a state transition or a state transition fails. The S2 state cannot modify or adjust the S1 results; the process can only be transferred to the next state node for checker processing. The S2 control rules are as follows: input elements can be: position information, current state, and next state node; output can be: success or failure.

[0121] S3 state transition control: S3 is the review phase, primarily responsible for reviewing the preliminary review results of user information. The preliminary review module allocates a shared temporary storage area for each account opening request, ensuring that the processors at each state node have access to the processing and review results of each state node. S3 state control determines whether the account opening request can proceed to the next state. The S3 state can transition to S1, S4a, S4b, S7a, or S7b. When the preliminary review results are all passed, S3 can transition to S4a; otherwise, it can transition based on the review results. If the review reveals errors in the inspection process, the state can be transitioned to S1. Generally, if any of the preliminary review results are rejected, the state cannot be transitioned to S4a. S3 input factors can include: position information, current state, next state node, and preliminary review results; the output can be: success or failure.

[0122] S4a and S4b state transition control: S4a indicates that the preliminary review has been basically passed. If everything is normal, the staff can contact the user for on-site account opening, sending a notification message to the user allowing account opening. S4a can then transition to S5a, S5b, S7a, and S7b. S4b indicates that the preliminary review has failed, and the account opening is rejected. In this case, the staff can contact the user to explain the reason for the rejection, and the account opening application will be invalidated. S4b can then transition to S7a and S7b. Inputs to S4a and S4b can include: position information, current state, and next state node; output: success or failure.

[0123] S5a, S5b status flow control: If the user's account opening application status is S5a, the user can go abroad to open an account, that is, execute the process of steps S203-S204. Because the S5b status indicates that the user has not been notified, it is not certain whether the user can execute the subsequent account opening process. However, if the user requests subsequent account opening processing, the subsequent account opening process can still be executed for the user, that is, execute the process of steps S203-S204. The user's application for subsequent account opening processing is usually pre-agreed. If the user fails to execute the subsequent account opening process within the specified time as agreed, the current account opening request will become invalid and void, so S5a, S5b can flow to S6, S7a, S7b. In S5a and S5b, the input factors can be: position information, current status, next state node; output: success or failure.

[0124] S6, S7a, and S7b indicate the end of the pre-examination status. S6 indicates that the user's account opening business has been completed and the current account opening request is successful. Both S7a and S7b indicate that the account opening request has failed, that is, the current account opening request is invalid.

[0125] It should be noted that in embodiments of the present invention, in states other than S0, S6, S7a, or S7b, a user can also send a cancellation request to cancel an account opening request. In this case, the business processing system can obtain the confirmation letter identifier in the cancellation request, then query the historical records for the account opening request corresponding to the confirmation letter identifier, and set the status of the account opening request to the canceled state. Specifically, this process involves receiving the cancellation request sent by the user, obtaining the third confirmation letter identifier in the cancellation request, and based on the third confirmation letter identifier, querying the historical records for the user's account opening request, and setting the status of the account opening request to the canceled state.

[0126] In order to solve the problems existing in the prior art, the embodiment of the present invention provides a service processing device 400, such as Figure 4 As shown, the apparatus 400 includes:

[0127] The receiving unit 401 is configured to receive an account opening request from a user and obtain a first confirmation letter identifier, a user identifier, and user information from the account opening request;

[0128] A pre-screening unit 402 is configured to call a preset pre-screening component, perform a pre-screening on the user based on the user information, obtain a pre-screening result, and upon determining that the pre-screening result is a target value, store the first confirmation letter identifier and the user identifier, and send a prompt message to the user indicating that account opening is permitted;

[0129] The receiving unit 401 is configured to receive the account opening information sent by the user and obtain the user identifier, account opening document, and second confirmation letter identifier in the account opening information;

[0130] The account opening unit 403 is configured to query the first confirmation letter identifier based on the user identifier, and after determining that the first confirmation letter identifier and the second confirmation letter identifier are consistent, trigger an account opening event to open an account for the user based on the account opening document.

[0131] It should be understood that the manner in which the embodiments of the present invention are implemented is different from the manner in which the embodiments of the present invention are implemented. Figure 2 The methods of the illustrated embodiments are the same and will not be described again here.

[0132] In one implementation of the embodiment of the present invention, the receiving unit 401 is further configured to receive a service processing request sent by the user, obtain a user identifier in the service processing request, and query asset information corresponding to the user;

[0133] The apparatus 400 further includes:

[0134] A generating unit is used to determine whether the asset information meets the preset conditions; if so, generate a confirmation letter identifier corresponding to the user identifier, so that the user sends the account opening application based on the confirmation letter identifier; if not, send a service failure message to the user.

[0135] In another implementation of the embodiment of the present invention, the pre-screening component includes a blacklist query component;

[0136] The pre-examination unit 402 is specifically configured to:

[0137] Invoking a preset blacklist screening component to query whether the preset blacklist includes the user based on the user information;

[0138] If not, the preliminary examination result is determined to be passed; if so, the preliminary examination result is determined to be failed.

[0139] In yet another implementation of the embodiment of the present invention, the pre-screening component includes a list screening component;

[0140] The pre-examination unit 402 is specifically configured to:

[0141] Invoking a preset list screening component to calculate the similarity between the user and pre-stored list users based on the user information, determining the list users corresponding to similarities greater than a preset threshold as similar users of the user, obtaining user information of the similar users, and determining whether the similar users are the user;

[0142] If not, the preliminary examination result is determined to be passed; if so, the preliminary examination result is determined to be failed.

[0143] In another implementation of the embodiment of the present invention, the pre-examination component includes an external information review component, and the user information includes an external information investigation result;

[0144] The pre-examination unit 402 is specifically configured to:

[0145] Invoking a preset external information review component to identify the external information survey result, calculate an external information survey score based on a preset result level, and then determine whether the external information survey score is greater than a preset score threshold;

[0146] If not, the preliminary examination result is determined to be passed; if so, the preliminary examination result is determined to be failed.

[0147] In another implementation of the embodiment of the present invention, the pre-examination unit 402 is specifically configured to:

[0148] Invoking a preset pre-screening component to perform a pre-screening on the user based on the user information, obtaining a pre-screening result, and setting the status corresponding to the account opening request to a check-completed status;

[0149] Determine whether the pre-examination result is passed. If so, set the status corresponding to the account opening request to the account opening permission state, store the first confirmation letter identifier and the pre-examination result, and send an account opening reminder message to the user; if not, set the status corresponding to the account opening request to the account opening permission state.

[0150] In another implementation of the embodiment of the present invention, the apparatus 400 further includes:

[0151] The display unit is configured to obtain a status corresponding to the account opening request, so as to display the status corresponding to the account opening request to the user.

[0152] In another implementation of the embodiment of the present invention, the apparatus 400 further includes:

[0153] a query unit, configured to query historical records based on the first confirmation letter identifier to determine whether the historical records include a historical account opening request corresponding to the first confirmation letter identifier;

[0154] The adding unit is configured to, if yes, set the status of the historical account opening request to a cancellation status and add the account opening request to the historical record; if no, add the account opening request to the historical record.

[0155] In another implementation of the embodiment of the present invention, the receiving unit 401 is further configured to receive a cancellation request sent by the user, and obtain a third confirmation letter identifier in the cancellation request;

[0156] The apparatus 400 further includes:

[0157] The setting unit is configured to query the user's account opening request from historical records based on the third confirmation letter identifier, and set the status of the account opening request to a cancellation status.

[0158] It should be understood that the manner in which the embodiments of the present invention are implemented is different from the manner in which the embodiments of the present invention are implemented. Figure 2 or Figure 3 The methods of the illustrated embodiments are the same and will not be described again here.

[0159] In an embodiment of the present invention, the user can be pre-screened based on the information in the account opening request, and the user can be prompted to open an account after passing the pre-screening. When opening an account, the user can directly query whether the pre-screening is passed based on the confirmation letter identifier, and execute the account opening service after determining that the pre-screening is passed to open an account for the user. In this way, the user pre-screening process does not require round trips to the business location, and the account can be opened based on the prompt message after passing the pre-screening, which not only saves the user's time and energy in business processing, but also improves the business processing efficiency.

[0160] According to an embodiment of the present invention, an electronic device and a readable storage medium are further provided.

[0161] An electronic device according to an embodiment of the present invention includes: at least one processor; and a memory communicatively connected to the at least one processor; wherein the memory stores instructions executable by the one processor, and the instructions are executed by the at least one processor so that the at least one processor executes the business processing method provided by the embodiment of the present invention.

[0162] Figure 5 An exemplary system architecture 500 is shown to which the business processing method or business processing apparatus according to an embodiment of the present invention may be applied.

[0163] like Figure 5 As shown, system architecture 500 may include terminal devices 501, 502, 503, a network 504, and a server 505. Network 504 is used to provide a medium for communication links between terminal devices 501, 502, 503 and server 505. Network 504 may include various connection types, such as wired or wireless communication links or fiber optic cables.

[0164] Users can use terminal devices 501, 502, 503 to interact with server 505 via network 504 to receive or send messages, etc. Various client applications can be installed on terminal devices 501, 502, 503.

[0165] The terminal devices 501 , 502 , and 503 may be, but are not limited to, smart phones, tablet computers, laptop computers, and desktop computers, etc.

[0166] The server 505 may be a server that provides various services. The server may analyze and process received data such as product information query requests, and feed back processing results (such as product information—only an example) to the terminal device.

[0167] It should be noted that the service processing method provided in the embodiment of the present invention is generally executed by the server 505 , and accordingly, the service processing device is generally set in the server 505 .

[0168] It should be understood that Figure 5 The number of terminal devices, networks and servers in the embodiment is merely illustrative. Any number of terminal devices, networks and servers may be provided as required.

[0169] Reference below Figure 6 , which shows a schematic structural diagram of a computer system 600 suitable for implementing an embodiment of the present invention. Figure 6 The computer system shown is only an example and should not limit the functions and scope of use of the embodiments of the present invention.

[0170] like Figure 6 As shown, the computer system 600 includes a central processing unit (CPU) 601, which can perform various appropriate actions and processes according to a program stored in a read-only memory (ROM) 602 or a program loaded from a storage unit 608 into a random access memory (RAM) 603. Various programs and data required for the operation of the system 600 are also stored in the RAM 603. The CPU 601, ROM 602, and RAM 603 are connected to each other via a bus 604. An input / output (I / O) interface 605 is also connected to the bus 604.

[0171] The following components are connected to the I / O interface 605: an input section 606 including a keyboard, a mouse, and the like; an output section 607 including devices such as a cathode ray tube (CRT), a liquid crystal display (LCD), and a speaker; a storage section 608 including a hard disk; and a communication section 609 including a network interface card such as a LAN card or a modem. The communication section 609 performs communication processing via a network such as the Internet. A drive 610 is also connected to the I / O interface 605 as needed. A removable medium 611, such as a magnetic disk, an optical disk, a magneto-optical disk, or a semiconductor memory, is installed in the drive 610 as needed, so that computer programs read therefrom can be installed into the storage section 608 as needed.

[0172] In particular, according to the embodiments disclosed in the present invention, the processes described above with reference to the flowcharts can be implemented as computer software programs. For example, the embodiments disclosed in the present invention include a computer program product comprising a computer program carried on a computer-readable medium, the computer program comprising program code for executing the method shown in the flowchart. In such an embodiment, the computer program can be downloaded and installed from a network via the communication section 609, and / or installed from a removable medium 611. When the computer program is executed by the central processing unit (CPU) 601, the above-mentioned functions defined in the system of the present invention are performed.

[0173] It should be noted that the computer-readable medium described in the present invention can be a computer-readable signal medium or a computer-readable storage medium, or any combination thereof. A computer-readable storage medium can be, for example, but not limited to, an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination thereof. More specific examples of computer-readable storage media can include, but are not limited to, an electrical connection having one or more conductors, a portable computer disk, a hard disk, random access memory (RAM), read-only memory (ROM), erasable programmable read-only memory (EPROM or flash memory), optical fiber, a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination thereof. In the present invention, a computer-readable storage medium can be any tangible medium containing or storing a program that can be used by or in conjunction with an instruction execution system, apparatus, or device. In the present invention, a computer-readable signal medium can include a data signal propagated in baseband or as part of a carrier wave, carrying computer-readable program code. This propagated data signal can take a variety of forms, including but not limited to electromagnetic signals, optical signals, or any suitable combination thereof. A computer-readable signal medium may also be any computer-readable medium other than a computer-readable storage medium that can transmit, propagate, or transport a program for use by or in conjunction with an instruction execution system, apparatus, or device. Program code embodied on a computer-readable medium may be transmitted using any suitable medium, including but not limited to wireless, wireline, optical fiber cable, RF, or any suitable combination thereof.

[0174] The flowcharts and block diagrams in the accompanying drawings illustrate the possible implementation architecture, functions and operations of the systems, methods and computer program products according to various embodiments of the present invention. In this regard, each box in the flowchart or block diagram can represent a unit, program segment, or a part of code, and the above-mentioned unit, program segment, or a part of code contains one or more executable instructions for realizing the specified logical function. It should also be noted that in some alternative implementations, the functions marked in the box can also occur in a different order than that marked in the accompanying drawings. For example, two boxes represented in succession can actually be executed substantially in parallel, and they can sometimes be executed in the opposite order, depending on the functions involved. It should also be noted that each box in the block diagram or flowchart, and the combination of boxes in the block diagram or flowchart, can be implemented with a dedicated hardware-based system that performs the specified function or operation, or can be implemented with a combination of dedicated hardware and computer instructions.

[0175] The units described in the embodiments of the present invention may be implemented in software or hardware. The units described may also be provided within a processor. For example, a processor may be described as comprising a receiving unit, a pre-screening unit, and an account opening unit. The names of these units do not, in some cases, limit the units themselves. For example, a receiving unit may also be described as a "unit that performs the functions of a receiving unit."

[0176] As another aspect, the present invention further provides a computer-readable medium, which may be included in the device described in the above embodiments, or may exist independently and not incorporated into the device. The computer-readable medium carries one or more programs, and when executed by the device, the device executes the service processing method provided by the present invention.

[0177] The above specific embodiments do not limit the scope of protection of the present invention. Those skilled in the art will appreciate that various modifications, combinations, sub-combinations, and substitutions may occur depending on design requirements and other factors. Any modifications, equivalent substitutions, and improvements made within the spirit and principles of the present invention are intended to be included within the scope of protection of the present invention.

Claims

1. A business processing method, characterized in that: include: Receive a user's account opening request, and obtain the first confirmation letter identifier, user identifier, and user information in the account opening request, wherein the user includes an overseas user, and the user pre-fills electronic information for cross-border account opening using an information pre-fill function to obtain the user information; The pre-defined pre-screening component is called to pre-screen the user based on the user information, obtain a pre-screening result, and after determining that the pre-screening result is the target value, the first confirmation letter identifier and the user identifier are stored, and a prompt message allowing account opening is sent to the user. The pre-screening module performs process approval to review user information and coordinate the flow between different positions and statuses, including status management and flow control during the review process. The pre-screening module implements multiple status nodes, each of which has a corresponding operation position and business element. The pre-screening module calculates the output result, that is, the state to be transferred, based on the input elements and pre-set flow rules. Receiving the account opening information sent by the user, and obtaining the user identifier, account opening document, and second confirmation letter identifier in the account opening information; querying the first confirmation letter identifier based on the user identifier, and after determining that the first confirmation letter identifier and the second confirmation letter identifier are consistent, triggering an account opening event to open an account for the user based on the account opening document; Before receiving the user's account opening request, the method further includes: Receive a business processing request sent by the user, obtain a user identifier in the business processing request, and query the asset information corresponding to the user; the business processing request includes one sent after the user's offline qualification review is passed; Determine whether the asset information meets the preset conditions; if so, generate a confirmation letter corresponding to the user identifier, the confirmation letter including a confirmation letter identifier, so that the user can send the account opening application based on the confirmation letter identifier; if not, send a service failure message to the user, wherein the confirmation letter identifier represents a unique identifier for user pre-examination and account opening.

2. The method according to claim 1, characterized in that The pre-screening component includes a blacklist query component; Calling a preset pre-screening component to perform a pre-screening on the user based on the user information, and obtaining a pre-screening result, including: Invoking a preset blacklist screening component to query whether the preset blacklist includes the user based on the user information; If not, the preliminary examination result is determined to be passed; if so, the preliminary examination result is determined to be failed.

3. The method according to claim 1, characterized in that The pre-screening component includes a list screening component; Calling a preset pre-screening component to perform a pre-screening on the user based on the user information, and obtaining a pre-screening result, including: Invoking a preset list screening component to calculate the similarity between the user and pre-stored list users based on the user information, determining the list users corresponding to similarities greater than a preset threshold as similar users of the user, obtaining user information of the similar users, and determining whether the similar users are the user; If not, the preliminary examination result is determined to be passed; if so, the preliminary examination result is determined to be failed.

4. The method according to claim 1, wherein The pre-examination component includes an external information review component, and the user information includes external information investigation results; Calling a preset pre-screening component to perform a pre-screening on the user based on the user information, and obtaining a pre-screening result, including: Invoking a preset external information review component to identify the external information survey result, calculate an external information survey score based on a preset result level, and then determine whether the external information survey score is greater than a preset score threshold; If so, the preliminary examination result is determined to be passed; if not, the preliminary examination result is determined to be failed.

5. The method according to claim 1, wherein Calling a preset pre-screening component to perform a pre-screening on the user based on the user information, obtaining a pre-screening result, determining that the pre-screening result is a target value, storing the first confirmation letter identifier and the pre-screening result, and sending an account opening reminder message to the user, including: Invoking a preset pre-screening component to perform a pre-screening on the user based on the user information, obtaining a pre-screening result, and setting the status corresponding to the account opening request to a check-completed status; Determine whether the pre-examination result is passed. If so, set the status corresponding to the account opening request to an account opening allowed status, store the first confirmation letter identifier and the pre-examination result, and send an account opening reminder message to the user; if not, set the status corresponding to the account opening request to an account opening not allowed status.

6. The method according to claim 5, characterized in that Also includes: Obtain a status corresponding to the account opening request to display the status corresponding to the account opening request to the user.

7. The method according to claim 5, characterized in that Before receiving the account opening information sent by the user, the method further includes: querying historical records based on the first confirmation letter identifier to determine whether the historical records include a historical account opening request corresponding to the first confirmation letter identifier; If so, the status of the historical account opening request is set to a canceled application status, and the account opening request is added to the historical record; if not, the account opening request is added to the historical record.

8. The method according to claim 5, characterized in that Before receiving the account opening information sent by the user, the method further includes: Receiving a cancellation request sent by the user, and obtaining a third confirmation letter identifier in the cancellation request; Based on the third confirmation letter identifier, the account opening request of the user is searched from the historical records, and the status of the account opening request is set to a cancellation status.

9. A business processing device, characterized in that: include: a receiving unit, configured to receive an account opening request from a user, and obtain a first confirmation letter identifier, a user identifier, and user information in the account opening request, wherein the user includes an overseas user; a pre-screening unit, configured to call a preset pre-screening component, perform a pre-screening on the user based on the user information, obtain a pre-screening result, and after determining that the pre-screening result is a target value, store the first confirmation letter identifier and the user identifier, and send a prompt message to the user indicating that account opening is permitted; The pre-examination module performs process approval to review user information and coordinate the flow between different positions and states, including state management and flow control during the review process; the pre-examination module implements multiple state nodes, each of which has a corresponding operation position and business element. The pre-examination module calculates the output result, that is, the state to be transferred, based on the input elements and pre-set flow rules; The receiving unit is configured to receive the account opening information sent by the user, and obtain the user identifier, account opening document, and second confirmation letter identifier in the account opening information; an account opening unit, configured to query the first confirmation letter identifier based on the user identifier, and upon determining that the first confirmation letter identifier and the second confirmation letter identifier are consistent, trigger an account opening event to open an account for the user based on the account opening document; The receiving unit is further configured to receive a business processing request sent by the user, obtain a user identifier in the business processing request, and query asset information corresponding to the user; The device further comprises: A generating unit is configured to determine whether the asset information satisfies a preset condition; if so, generate a confirmation letter corresponding to the user identifier, the confirmation letter including a confirmation letter identifier, so that the user can send the account opening application based on the confirmation letter identifier; if not, send a service failure message to the user, wherein the confirmation letter identifier represents a unique identifier for user pre-examination and account opening.

10. An electronic device, characterized in that: include: one or more processors; a storage device for storing one or more programs, When the one or more programs are executed by the one or more processors, the one or more processors implement the method according to any one of claims 1 to 8.

11. A computer-readable medium having a computer program stored thereon, characterized in that: When the program is executed by a processor, the method according to any one of claims 1 to 8 is implemented.

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