An account opening channel management method, device and medium

Abstract

The present invention discloses an account opening channel management method, device and medium, belonging to the technical field of data processing. The method includes: receiving an account opening application submitted by a user after filling in user information on the front-end user page; the front-end sends the user information to the service layer through an interface; the service layer determines the final account opening channel corresponding to the account opening application; and sends the user information to the final account opening channel for the final account opening channel to open an account for the user. The present invention can solve the problem of a single account opening channel configuration scheme for users. The present invention can set different account opening channel lists according to different user attributes, set priorities for the levels of the account opening channel lists, and set diversion weights for the sub-channels corresponding to the levels, enriching the operation means and also improving the account opening success rate.

Description

Technical Field

[0001] The present invention relates to the technical field of data processing, and particularly to an account opening channel management method, device and medium. Background Art

[0002] At present, there are many consumer service products for "consuming first and repaying later" in the market. After a user activates a consumer service product, the user will obtain his own credit limit. When the user shops on an e-commerce website, he can use the credit limit of the consumer service product to make payment for consumption. Different users obtain different channel credit limits, and users can apply for activation according to their specific needs.

[0003] However, the current account opening channel configuration scheme for users is single, and the account opening channels for all users are the same. Summary of the Invention

[0004] In order to overcome the above technical defects, the purpose of the present invention is to provide an account opening channel management method, device and medium to solve the problem of the single account opening channel configuration scheme for users. The present invention can set different account opening channel lists according to different user attributes, set hierarchical priorities for the account opening channel lists, and set diversion weights for the sub-channels corresponding to the levels, which enriches the operation means and also improves the account opening success rate.

[0005] The specific technical solutions provided by the embodiments of the present invention are as follows:

[0006] In a first aspect, an account opening channel management method is provided, and the method includes:

[0007] Receiving an account opening application submitted by a user after filling in user information on the front-end user page;

[0008] The front end sends the user information to the service layer through an interface;

[0009] The service layer determines the final account opening channel corresponding to the account opening application;

[0010] Sending the user information to the final account opening channel for the final account opening channel to open an account for the user.

[0011] Further, before receiving the account opening application submitted by the user after filling in user information on the front-end user page, it includes:

[0012] An operator configures and groups the account opening channel list in echelons according to at least one of the following conditions in the operation background: routing source, routing level, and diversion weight;

[0013] And sending the front-end user page guiding link to the user.

[0014] Further, the account opening channel management method includes:

[0015] The user information includes: user source and user ID;

[0016] Allocate an account opening channel list echelon configuration group to the user according to the user source;

[0017] Set priorities for the levels of the account opening channel list of the echelon configuration group and set diversion weights for the sub-channels corresponding to the levels.

[0018] Further, the front end sends the user information to the service layer through an interface. The service layer determines the final account opening channel corresponding to the account opening application, including:

[0019] The service layer sends the user information to the risk control management system. The risk control management system makes a judgment on the user's account opening channel credit and determines the candidate account opening channel list for each level of the user.

[0020] Further, the risk control management system makes a judgment on the user's account opening channel credit, including:

[0021] Judge whether the total user credit switch is turned on;

[0022] If so, the risk control management system outputs the list of all creditable account opening channels for each level of the user;

[0023] If not, there are no available account opening channels.

[0024] Further, after the risk control management system outputs the list of all creditable account opening channels for each level of the user, it includes:

[0025] Judge whether the sub-channel credit switch corresponding to the level is turned on;

[0026] If so, screen again according to the risk control management rules to determine the candidate account opening channel list for each level of the user, and send the candidate account opening channel list for each level of the user to the service layer;

[0027] If not, close the sub-channel corresponding to the level.

[0028] Further, after sending the candidate account opening channel list for each level of the user to the service layer, it includes:

[0029] After the service layer receives the candidate account opening channel list for each level of the user, it matches with the account opening channel list of the echelon configuration group, takes the intersection of the account opening channels, and determines the final account opening channel for each level.

[0030] Further, after opening an account for the user according to the final account opening channel, it includes:

[0031] Feedback the account opening result to the backend. After receiving the account opening result from the external account opening channel, the backend saves the account opening result data, correspondingly updates the front-end user page, and displays it to the user.

[0032] In a second aspect, an account opening channel management device is provided. The device includes:

[0033] A memory, a processor, and a computer program stored on the memory. The processor executes the computer program to implement the steps of the account opening channel management method as described in any one of the first aspects.

[0034] In a third aspect, a computer storage medium is provided. The medium includes:

[0035] A computer program is stored thereon. When the computer program is executed by the memory, it implements the steps of the account opening channel management method as described in any one of the first aspects.

[0036] Compared with the prior art, the technical solution provided by the embodiments of the present invention receives an account opening application in which a user enters the front-end user page to fill in user information and submit it; the front-end sends the user information to the service layer through an interface; the service layer determines the final account opening channel corresponding to the account opening application; and sends the user information to the final account opening channel for the final account opening channel to open an account for the user. The present invention can solve the problem of a single account opening channel configuration scheme for users. The present invention can set different account opening channel lists according to different user attributes, set priorities for the levels of the account opening channel lists, and set diversion weights for the sub-channels corresponding to the levels, enriching the operation means and also improving the account opening success rate. BRIEF DESCRIPTION OF THE DRAWINGS

[0037] In order to more clearly illustrate the technical solutions in the embodiments of the present invention, the following will briefly introduce the drawings required for description in the embodiments. Obviously, the following drawings are only some embodiments of the present invention. For those of ordinary skill in the art, other drawings can be obtained based on these drawings without creative efforts.

[0038] Figure 1 It is a framework diagram of the account opening channel management method provided in Embodiment 1 of the present invention;

[0039] Figure 2 It is a specific flowchart of the account opening channel management method provided in Embodiment 2 of the present invention;

[0040] Figure 3 It is a design diagram of the account opening routing scheme provided in Embodiment 2 of the present invention;

[0041] Figure 4 This is the structural diagram of the account opening channel management device provided in the third embodiment of the present invention. Detailed implementation manners

[0042] To make the objectives, technical solutions and advantages of the present invention clearer, the technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the accompanying drawings in the embodiments of the present invention. Apparently, the described embodiments are only a part rather than all of the embodiments of the present invention. All other embodiments obtained by those of ordinary skill in the art based on the embodiments of the present invention without creative efforts shall fall within the protection scope of the present invention.

[0043] It should be noted that, unless otherwise clearly required by the context, the words such as "including" and "comprising" throughout the specification and claims should be interpreted in an inclusive sense rather than an exclusive or exhaustive sense; that is, it is the meaning of "including but not limited to".

[0044] In addition, in the description of the present invention, unless otherwise specified, the meaning of "a plurality of" is two or more.

[0045] Embodiment 1

[0046] The embodiment of the present invention provides an account opening channel management method, as Figure 1 shown, the method may include:

[0047] Receiving an account opening application in which a user enters user information on the front-end user page and submits it;

[0048] The front end sends the user information to the service layer through an interface;

[0049] The service layer determines the final account opening channel corresponding to the account opening application;

[0050] Sending the user information to the final account opening channel for the final account opening channel to open an account for the user.

[0051] The embodiment of the present invention can solve the problem of a single account opening channel configuration scheme for users. The present invention can set different account opening channel lists according to different user attributes, set priorities for the levels of the account opening channel lists, and set diversion weights for the sub-channels corresponding to the levels, enriching the operation means and also improving the account opening success rate; at the same time, when developing and testing the solution, different user attributes can be used to set the user account opening channels, which is convenient for self-testing during development and helps with the test automation performance during the solution testing phase, reducing the testing time.

[0052] Embodiment 2

[0053] An embodiment of the present invention provides an account opening channel management method, as Figure 2 shown, the method may include:

[0054] Step S0, an operator configures and groups the account opening channel list in echelons in the operation background according to at least one of the following conditions: routing source, routing level, and shunt weight;

[0055] And send the front-end user page guide link to the user.

[0056] Specifically, the echelon configuration grouping is completed before the user submits an account opening application.

[0057] For example: The back-end echelon configuration includes 4 groups of configurations according to the source: test configuration, upstream test configuration, Everbright test configuration, and other configurations.

[0058] In the credit granting channels, BOSH refers to Bank of Shanghai, FMB refers to Fumin Bank, MSXF refers to Mashang Financial Consumer Finance, CEB refers to China Everbright Bank, WPFB refers to VipFubon Consumer Finance, JSB refers to Jiangsu Bank, and FUBON refers to Fubon Bank (China) Limited.

[0059] Which group configuration is finally assigned to the user is judged and assigned according to the page source of the user.

[0060] Among them, the front end refers to the page for information interaction with the user. For example, through the elements of the page, such as pictures, buttons, and text boxes, the information of the user can be obtained.

[0061] Finally, the operator or product personnel will put the user account opening page guide link to the user.

[0062] Step S1, receive the account opening application submitted by the user after entering the front-end user page and filling in the user information.

[0063] Specifically, the user clicks on the user account opening page guide link to enter the account opening page, and the user enters detailed data such as the user's bank card, user's mobile phone number, user's address, and user's occupation on the account opening page, and submits an account opening application.

[0064] The account opening here mainly refers to the account opening of consumer service products, which is applicable to, for example, JD.com Baitiao, Ant Huabei, Ant Jiebei, and Vip Huahua in the market. These account openings need to be associated with specific account opening channel parties, such as financial institutions or banks, to provide loans to the user.

[0065] Step S2, the user information includes: user source, user ID;

[0066] Allocate the echelon configuration group of the account opening channel list to the user according to the user source;

[0067] Set priorities for the levels of the account opening channel list of the echelon configuration group and set diversion weights for the sub-channels corresponding to the levels.

[0068] Specifically, collect relevant data on the account opening page. The data includes the user source, user ID, and which group configuration will be finally assigned to the user, and judge the assignment based on the user source.

[0069] The echelon configuration of the account opening channel list includes levels and the sub-channels corresponding to the levels.

[0070] For example, the sub-channel party JSB Jiangsu Bank of the first level and the sub-channel party BOSH Shanghai Bank of the second level of the other configuration group. These two banks are regional banks, and the regional banks stipulate that they will not lend to users outside the region. Judge the user's source. If the user attribute source is from Shaanxi Province, the echelon configuration will not assign the sub-channel party JSB Jiangsu Bank of the first level and the sub-channel party BOSH Shanghai Bank of the second level of the other configuration group to the user.

[0071] After assigning the echelon configuration group of the account opening channel list according to the user source, set priorities for the levels of the account opening channel list of the echelon configuration group and set diversion weights for the sub-channels corresponding to the levels.

[0072] Specifically, setting priorities for the levels of the account opening channel list of the echelon configuration group means: for example, the system assigns a configuration group to the user according to the user source. The group includes 5 bank account opening channels. The account opening channel management plan can set priorities for two of the bank account opening channels. That is, these two bank channel parties will give priority to opening the account for the user. If the account opening fails for other reasons, then let the other three bank account opening channels open the account for the user. That is, set two levels. The first level is the two bank channel parties, for example, banks A and B; the second level is the other three bank channel parties, for example, banks C, D, and E. Then banks A and B are the sub-channels of the first level; banks C, D, and E are the sub-channels of the second level.

[0073] In addition, setting diversion weights for the sub-channels corresponding to the levels means: for example, set the diversion weight ratio of sub-channel bank A of the first level to 90%, and the diversion weight ratio of sub-channel bank B to 10%; that is, when assigning the first level of the user's assigned group, bank A opens accounts for 90% of the users, and bank B opens accounts for 10% of the users.

[0074] Similarly, set the diversion weight ratios for the sub-channels C, D, and E banks corresponding to the second level.

[0075] It is understandable that, for example, the account opening channels assigned to the user are Bank A, Bank C, or Bank A, Bank D, or Bank B, Bank E; that is, each level will assign corresponding sub-channel banks to the user. It can be seen from the priority and the diversion weight ratio that the sub-channel Bank A at the first level will open accounts for 90% of the users.

[0076] Among them, when the user submits an account opening application, it will be associated with the corresponding financial institution or bank, and the financial institution or bank will grant loans to the user.

[0077] For example, if the financial institution corresponding to the user's account opening is Marston Finance, the system will send the user information to Marston Finance. Marston Finance will open an account for the user. After the account opening is successful, Marston Finance will perform a loan operation on the user.

[0078] For example, if the financial institution corresponding to the user's account opening is China Everbright Bank, the system will send the user information to China Everbright Bank. China Everbright Bank will open an account for the user. After the account opening is successful, China Everbright Bank will perform a loan operation on the user.

[0079] The financial institution refers to a consumer finance company. Here, the financial institution and the bank are in a parallel relationship.

[0080] Specifically, set the priority for the levels of the account opening channel list of the echelon configuration group and set the diversion weight for the sub-channels corresponding to the levels.

[0081] If the user is a newly opened account user, then allocate the echelon configuration group and the account opening channel according to the user source, and set the priority for the levels of the account opening channel list of the echelon configuration group and set the diversion weight for the sub-channels corresponding to the levels.

[0082] If the user is an existing account user and needs to add an account opening channel, since the user already has an account and the system already has user information data, tags can be made according to the user attributes of different existing account user information data, such as age, gender, and source region. Different user groups can be distinguished through the tags. At the same time, allocate the echelon configuration group according to the user source of different user groups, and add a new account opening channel list; and set the priority for the levels of the newly added account opening channel list of the echelon configuration group and set the diversion weight for the sub-channels corresponding to the levels.

[0083] Step S3, the front end sends the user information to the business layer through the interface; the business layer determines the final account opening channel corresponding to the account opening application.

[0084] Among them, the business layer refers to the middle layer or the Service layer, which is used to process the data sent by the front end. After the processing is completed, the data is returned to the front end, or the data is sent to the back end. The back end refers to, for example, the risk control management system.

[0085] The external account opening channel is a third party, which refers to the channel party used to open an account for the user, such as a financial institution or a bank.

[0086] The front end transmits the user's information data to the business layer through an interface, and the business layer then sends the user's information data to the risk control management system to determine the final account opening channel.

[0087] Step S3 further includes:

[0088] Step S31, the business layer sends the user information to the risk control management system, and the risk control management system makes a judgment on the credit granting of the user's account opening channel to determine the candidate account opening channel list at each level of the user.

[0089] Specifically, the business layer sends the user information to the risk control management system, and the risk control management system makes a judgment on the account opening conditions of each sub-channel at the configuration group level and returns the candidate account opening channel list at each level of the user.

[0090] Step S32, determine whether the total user credit granting switch is turned on;

[0091] If so, the risk control management system outputs the list of all credit-granting account opening channels at each level of the user;

[0092] If not, there is no available account opening channel.

[0093] Specifically, the implementation process of step S32 may include:

[0094] Whether the credit granting switch of the user is turned on is mainly judged according to whether the expiration time of the legal agreement contract between the system and the user has expired. If the expiration time of the legal agreement contract has expired, the status of the credit granting switch is in the closed state, otherwise the status is in the open state. And whether the credit granting switch of the user is turned on will be judged according to the credit degree of the user's account opening record. If there is a problem with the user's account opening record credit degree in the account opening authority of the channel party, the channel party will feedback the problem data to the middle party, and after receiving the user credit degree problem data, the middle party will change the status of the user's credit granting switch to the closed state in the risk control management system.

[0095] Among them, the middle party is between the user and the account opening channel party. After the channel party or the third party opens an account for the user, it will synchronize the account opening result to the middle party. The middle party processes and saves the account opening result data, and synchronizes and updates the data to the user page and displays it to the user.

[0096] Step S33, determine whether the sub-channel credit granting switch corresponding to the level is turned on;

[0097] If so, then filter again according to the risk control management rules, determine the candidate account opening channel lists at each level of the user, and send the candidate account opening channel lists at each level of the user to the business layer;

[0098] If not, then close the sub-channel corresponding to this level.

[0099] Specifically, if the credit granting switch of the sub-channel corresponding to the level is in the open state, then determine the sub-channel corresponding to the level as a candidate account opening channel. If the credit granting switch of the sub-channel corresponding to the level is in the closed state, then close the sub-channel corresponding to the level, and the sub-channel corresponding to the level is not a candidate channel.

[0100] Here, the filtering according to the risk control management rules means that, for example, the bank regulations in a region do not provide loans to users outside that region.

[0101] For example, if the sub-channel party at the first level is JSB Jiangsu Bank and the sub-channel party at the second level is BOSH Shanghai Bank, and these two banks are regional banks, and the regional banks stipulate that they do not provide loans to users outside the region. Then judge the source of the user. If the user attribute source is from Shaanxi Province and not from Jiangsu and Shanghai, then the sub-channel party JSB Jiangsu Bank at the first level and the sub-channel party BOSH Shanghai Bank at the second level will not provide loans to the user, that is, they are not candidate account opening channels for the user.

[0102] Step S34, after the business layer receives the candidate account opening channel lists at each level of the user, match them with the account opening channel lists of the echelon configuration group, take the intersection of the account opening channels, and determine the final account opening channels at each level.

[0103] It can be understood that when the user enters the front-end user page to fill in the user information and submit an account opening application, after allocating the echelon configuration group of the account opening channel list according to the user source, set the priority for the levels of the account opening channel list of the echelon configuration group and set the diversion weight for the sub-channels corresponding to the levels.

[0104] The front-end sends the user information to the business layer through an interface. The business layer sends the user information to the risk control management system. After being filtered and screened by the judgment rules of the risk control management system, determine the candidate account opening channel lists at each level of the user, and then match them with the account opening channel lists of the echelon configuration group, take the intersection of the account opening channels, and determine the final account opening channels at each level.

[0105] Such as Figure 3The figure shows a design diagram of an account opening routing solution. The front end transmits the user's information data to the business layer through an interface. The business layer then sends the user's information data to the risk control management system. The risk control management system makes a judgment on the credit of the user's account opening channels, determines the candidate account opening channel list for each level of the user, and after the business layer receives the candidate account opening channel list for each level of the user, it matches it with the account opening channel list of the echelon configuration group, takes the intersection of the account opening channels, and determines the final account opening channels sent to the outside for each level.

[0106] Step S4: Send the user information to the final account opening channel for the final account opening channel to open an account for the user, and feedback the account opening result to the back end.

[0107] Specifically, the final account opening channel, that is, a third-party financial institution or bank, opens an account for the user in sequence according to the priority of the levels of the account opening channel list of the echelon configuration group.

[0108] Step S5: The back end receives the account opening result of the final account opening channel, saves the account opening result data, and correspondingly updates the front-end user page and displays it to the user.

[0109] Specifically, after the final external account opening channel party or third party opens an account for the user, it synchronizes the account opening result to the back end of the intermediate party. The back end of the intermediate party processes and saves the account opening result data, synchronously updates the account opening result data to the front-end user page, and displays it to the user.

[0110] The technical solution provided by the embodiment of the present invention receives the account opening application submitted by the user by entering the front-end user page and filling in the user information; the front end sends the user information to the business layer through an interface; the business layer determines the final account opening channel corresponding to the account opening application; and sends the user information to the final account opening channel for the final account opening channel to open an account for the user. The present invention can solve the problem of a single account opening channel configuration scheme for users. The present invention can set different account opening channel lists according to different user attributes, set priorities for the levels of the account opening channel lists, and set diversion weights for the sub-channels corresponding to the levels, enriching the operation means and also improving the account opening success rate.

[0111] Embodiment III

[0112] The present invention provides an account opening channel management device, as Figure 4 shown, including a memory, a processor, and a computer program stored on the memory and executable on the processor. When the processor executes the computer program, it can implement an auxiliary management method. The processor includes a preprocessing module, a receiving module, a processing module, a logic module, and an output module.

[0113] In this embodiment, the receiving module is used to receive the account opening application submitted by the user after filling in the user information on the front-end user page; the processing module is used to send the user information to the business layer through an interface on the front-end; the business layer determines the final account opening channel corresponding to the account opening application; the output module feeds back the account opening result to the back-end. After the back-end receives the account opening result of the final account opening channel, it saves the account opening result data, updates the front-end user page correspondingly, and displays it to the user.

[0114] Further, the pre-processing module is used for the operation personnel to perform echelon configuration grouping on the account opening channel list in the operation background according to at least one of the following conditions: routing source, routing level, and diversion weight; and send the front-end user page guide link to the user.

[0115] Further, the processing module is used to assign the echelon configuration group of the account opening channel list to the user according to the user source; set priorities for the levels of the account opening channel list of the echelon configuration group and set diversion weights for the sub-channels corresponding to the levels.

[0116] Further, the processing module can also be used for the business layer to send the user information to the risk control management system. The risk control management system makes a judgment on the user's account opening channel credit, and determines the candidate account opening channel list for each level of the user.

[0117] Further, the logic module is used to judge whether the total user credit switch is turned on;

[0118] If so, the risk control management system outputs the list of all credit-granting account opening channels for each level of the user;

[0119] If not, there are no available account opening channels.

[0120] Further, the logic module is used to judge whether the credit switch of the sub-channel corresponding to the level is turned on;

[0121] If so, perform screening again according to the risk control management rules, determine the candidate account opening channel list for each level of the user, and send the candidate account opening channel list for each level of the user to the business layer;

[0122] If not, close the sub-channel corresponding to the level.

[0123] Further, the processing module can be used for the business layer to match the received candidate account opening channel list for each level of the user with the account opening channel list of the echelon configuration group, take the intersection of the account opening channels, and determine the final account opening channel for each level.

[0124] Further, the processing module can be used to send the user information to the final account opening channel for the final account opening channel to open an account for the user.

[0125] The beneficial effects brought by the technical solution provided by the embodiments of the present invention are as follows:

[0126] The embodiments of the present invention can solve the problem of the single configuration scheme of the user's account opening channels. The present invention can set different account opening channel lists according to different user attributes, set priorities for the levels of the account opening channel lists, and set diversion weights for the sub-channels corresponding to the levels, enriching the operation means and also improving the account opening success rate.

[0127] Embodiment 4

[0128] The present invention provides a computer storage medium, including a memory, a processor, and a computer program stored on the memory and executable on the processor. When the processor executes the computer program, the following steps are implemented:

[0129] Receive an account opening application submitted by a user after filling in user information on the front-end user page;

[0130] The front end sends the user information to the service layer through an interface;

[0131] The service layer determines the final account opening channel corresponding to the account opening application;

[0132] Send the user information to the final account opening channel for the final account opening channel to open an account for the user.

[0133] Further, before receiving the account opening application submitted by the user after filling in user information on the front-end user page, it includes:

[0134] An operator configures and groups the account opening channel list in echelons in the operation background according to at least one of the following conditions: routing source, routing level, and diversion weight;

[0135] And send the front-end user page guide link to the user.

[0136] Further, the account opening channel management method includes:

[0137] The user information includes: user source, user ID;

[0138] Allocate an account opening channel list echelon configuration group to the user according to the user source;

[0139] Set priorities for the levels of the account opening channel list of the echelon configuration group and set diversion weights for the sub-channels corresponding to the levels.

[0140] Further, the front end sends the user information to the service layer through an interface, and the service layer determines the final account opening channel corresponding to the account opening application, including:

[0141] The business layer sends the user information to the risk control management system, which judges the credit granting of the user's account opening channels and determines the candidate account opening channel list for each level of the user.

[0142] Further, the risk control management system's judgment on the credit granting of the user's account opening channels includes:

[0143] Judging whether the total user credit switch is turned on;

[0144] If so, the risk control management system outputs the list of all credit-grantable account opening channels for each level of the user;

[0145] If not, there are no available account opening channels.

[0146] Further, after the risk control management system outputs the list of all credit-grantable account opening channels for each level of the user, it includes:

[0147] Judging whether the sub-channel credit switch corresponding to the level is turned on;

[0148] If so, screen again according to the risk control management rules, determine the candidate account opening channel list for each level of the user, and send the candidate account opening channel list for each level of the user to the business layer;

[0149] If not, close the sub-channel corresponding to the level.

[0150] Further, after sending the candidate account opening channel list for each level of the user to the business layer, it includes:

[0151] After the business layer receives the candidate account opening channel list for each level of the user, it matches with the account opening channel list of the echelon configuration group, takes the intersection of the account opening channels, and determines the final account opening channels for each level.

[0152] Further, after opening an account for the user according to the final account opening channels, it includes:

[0153] Feed back the account opening result to the backend. The backend receives the account opening result of the external account opening channel, saves the account opening result data, updates the front-end user page correspondingly, and displays it to the user.

[0154] In some embodiments, the system can be used as the above-described device for account opening channel management in any one of the embodiments. In some embodiments, the system may include one or more computer-readable media having results (e.g., system memory or NVM / storage device), and one or more processors (e.g., (one or more) processors) coupled to the one or more computer-readable media and configured to execute the results to implement modules so as to perform the actions described in the present application.

[0155] Those of ordinary skill in the art can understand that all or part of the processes of implementing the methods in the above embodiments can be completed by computer programs to result in relevant hardware. The above computer programs can be stored in a non-volatile computer-readable storage medium. When the computer programs are executed, they can include the processes of the embodiments of the above methods. Among them, any reference to memory, storage, database, or other media used in the various embodiments provided by the present invention can include non-volatile and / or volatile memory. Non-volatile memory can include read-only memory (ROM), programmable ROM (PROM), electrically programmable ROM (EPROM), electrically erasable programmable ROM (EEPROM), or flash memory. Volatile memory can include random access memory (RAM) or external cache memory. By way of illustration and not limitation, RAM is available in various forms, such as static RAM (SRAM), dynamic RAM (DRAM), synchronous DRAM (SDRAM), double data rate SDRAM (DDR SDRAM), enhanced SDRAM (ESDRAM), synchronous link DRAM (SLDRAM), Rambus direct RAM (RDRAM), direct memory bus dynamic RAM (DRDRAM), and Rambus dynamic RAM (RDRAM), etc.

[0156] The technical features of the above embodiments can be combined arbitrarily. To make the description concise, not all possible combinations of the technical features in the above embodiments are described. However, as long as there is no contradiction in the combination of these technical features, it should be considered to be within the scope described in this specification.

[0157] The above-described embodiments merely represent several implementation manners of the present invention. The description is relatively specific and detailed, but it should not be construed as a limitation on the scope of the invention patent. It should be noted that for those of ordinary skill in the art, without departing from the concept of the present invention, several deformations and improvements can still be made, and these all belong to the protection scope of the present invention. Therefore, the protection scope of the invention patent should be subject to the appended claims.

Claims

1. A method for managing account opening channels, characterized in that, The method includes: Receiving an account opening application in which a user enters user information on the front-end user page and submits it; The front-end sends the user information to the service layer through an interface; The service layer determines the final account opening channel corresponding to the account opening application; The service layer determining the final account opening channel corresponding to the account opening application includes: The service layer sends the user information to the risk control management system, and the risk control management system makes a judgment on the user's account opening channel credit, and determines the candidate account opening channel list at each level of the user; Judging whether the total user credit switch is turned on; If so, the risk control management system outputs all the available account opening channel lists at each level of the user; If not, there are no available account opening channels; Judging whether the sub-channel credit switch corresponding to the level is turned on; If so, screening is performed again according to the risk control rules to determine the candidate account opening channel list at each level of the user, and sending the candidate account opening channel list at each level of the user to the service layer; If not, close the sub-channel corresponding to the level; Wherein, the user information includes: user source, user ID; Allocating an account opening channel list echelon configuration group to the user according to the user source; After the service layer receives the candidate account opening channel list at each level of the user, it matches with the account opening channel list of the echelon configuration group, takes the intersection of the account opening channels, and determines the final account opening channel at each level; Sending the user information to the final account opening channel for the final account opening channel to open an account for the user; The method includes: Setting priorities for the levels of the account opening channel list of the echelon configuration group and setting diversion weights for the sub-channels corresponding to the levels; If the user is a newly opened account user, allocate the echelon configuration group and account opening channels according to the user source, and set priorities for the levels of the account opening channel list of the echelon configuration group and set diversion weights for the sub-channels corresponding to the levels; If the user is an existing account user and needs to add an account opening channel, make labels according to the user attributes of different existing account user information data, distinguish different user groups through the labels, and at the same time allocate the echelon configuration group according to the user source of different user groups, and add a new account opening channel list; and set priorities for the levels of the newly added account opening channel list of the echelon configuration group and set diversion weights for the sub-channels corresponding to the levels, wherein the user attributes include age, gender, and source region.

2. The account opening channel management method according to claim 1, wherein, Before receiving the account opening application in which a user enters user information on the front-end user page and submits it, it includes: The operator performs echelon configuration grouping on the account opening channel list in the operation background according to at least one of the following conditions: routing source, routing level, and diversion weight; And sending the front-end user page guide link to the user.

3. The account opening channel management method according to claim 1, wherein After opening an account for the user according to the final account opening channel, it includes: Feeding back the account opening result to the back-end. The back-end receives the account opening result of the final account opening channel, saves the account opening result data, and updates the front-end user page correspondingly for display to the user.

4. An account opening channel management device, comprising a memory, a processor, and a computer program stored on the memory, characterized in that, The processor executes the computer program to implement the steps of the method as described in any one of claims 1 to 3.

5. A computer storage medium, on which a computer program is stored, characterized in that, When the computer program is executed by a memory, it implements the steps of the method according to any one of claims 1 to 3.

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