Account association method, device, equipment and medium

Abstract

The present application relates to the field of data verification technology, and in particular to an account association method, device, equipment and medium. Since the ecological contract number corresponding to each mobile phone number is pre-saved, if it is determined that the first ecological contract number is not saved later, it can be determined whether at least one second ecological contract number corresponding to the target mobile phone number is saved based on the target mobile phone number. According to the status information of the at least one second ecological contract number, a reference ecological contract number with a status information of a non-cancelled state is determined from the at least one second ecological contract number, and the account bound to the target ecological contract number in each reference ecological contract number is bound to the first ecological contract number, so as to avoid the situation where the user currently using the target mobile phone number continues to use the previously cancelled account, improve the accuracy of account association, and realize the association of different accounts of the same user on the third-party platform with the account registered by the user.

Description

Technical Field

[0001] The present application relates to the field of data verification technology, and in particular to an account association method, apparatus, device, and medium. Background Art

[0002] Currently, when determining the wallet account associated with a user's account on a third-party platform, the target ecological contract number corresponding to the user of the account is generally determined based on the account number, user mobile number, login number, and other information sent by the third-party platform device. Then, based on the pre-configured correspondence between ecological contract numbers and wallet accounts, the wallet account corresponding to the target ecological contract number is determined, thereby determining the wallet account associated with the account.

[0003] However, in actual application, users may cancel their accounts on third-party platforms and then re-register accounts, or change their mobile phone numbers, resulting in changes to the ecological contract number of the same user, making it impossible to accurately determine the user's wallet account based on the changed ecological contract number. For example, when a user cancels an account on a third-party platform, the third-party platform does not pay attention to whether the wallet account associated with the user's account on the third-party platform is also cancelled. As a result, when the user subsequently registers an account on the third-party platform again, the third-party platform will assign a new account to the user, resulting in changes to the user's account on the third-party platform, causing the user to be unable to use the wallet account that was originally registered but not cancelled on the re-registered account.

[0004] Therefore, how to accurately associate different accounts of the same user on a third-party platform with the account registered by the user is an urgent problem to be solved. Summary of the Invention

[0005] The embodiments of the present application provide an account association method, apparatus, device, and medium to solve the problem that different accounts of the same user on a third-party platform cannot be accurately associated with the account registered by the user, thereby reducing the accuracy of account association.

[0006] An embodiment of the present application provides an account association method, the method comprising:

[0007] Obtain account opening request from third-party platform;

[0008] Determine the first ecological contract number based on the target mobile phone number and other identification information carried in the account opening request;

[0009] If it is determined that the first ecological contract number is not saved, and at least one second ecological contract number corresponding to the target mobile phone number is saved, then, based on the status information of the at least one second ecological contract number, determine a reference ecological contract number whose status information indicates that the number is not cancelled from the at least one second ecological contract number;

[0010] Determine the target ecological contract number from each of the reference ecological contract numbers, and bind the account bound to the target ecological contract number to the first ecological contract number.

[0011] Furthermore, the determining that the first ecological contract number is not saved includes:

[0012] If it is determined that the first ecological contract number does not match any of the saved ecological contract numbers, it is determined that the first ecological contract number is not saved.

[0013] Furthermore, if the other identification information includes a target registration number, the determining that the first ecological contract number is not stored includes:

[0014] If it is determined that the first ecological contract number does not match any of the ecological contract numbers corresponding to the stored target registration number, it is determined that the first ecological contract number is not stored.

[0015] Further, determining that at least one second ecological contract number corresponding to the target mobile phone number is stored includes:

[0016] If it is determined that the ecological contract number corresponding to the target mobile phone number is stored according to the correspondence between the stored mobile phone numbers and the ecological contract numbers, it is determined that the at least one second ecological contract number is stored.

[0017] Furthermore, the determining of the target ecological contract number from the reference ecological contract numbers includes:

[0018] Sending user information of each reference ecological contract number to the target device;

[0019] The target ecological contract number is received from the target device; wherein the target ecological contract number is determined from the reference ecological contract numbers.

[0020] Furthermore, if the other identification information includes a target account number, binding the account bound to the target ecological contract number with the first ecological contract number includes:

[0021] If it is determined that the user information of the target account matches the user information of the target ecological contract number, the account bound to the target ecological contract number is bound to the first ecological contract number.

[0022] Furthermore, the determining that the user information of the target account matches the user information of the target ecological contract number includes:

[0023] Obtain facial information of the target account;

[0024] Determine whether the facial information matches the facial information of the target ecological contract number.

[0025] Furthermore, the method further comprises:

[0026] If the user information of the target account does not match the user information of the target ecological contract number, a new account is allocated for the first ecological contract number, and the first ecological contract number is bound to the account.

[0027] Furthermore, before binding the account bound to the target ecological contract number with the first ecological contract number, the method further includes:

[0028] Determine whether there is an account bound to the target ecological contract number.

[0029] Furthermore, after binding the account bound to the target ecological contract number with the first ecological contract number, the method further includes:

[0030] Determine that the status information of the first ecological contract number is normal.

[0031] Furthermore, after binding the account bound to the target ecological contract number with the first ecological contract number, the method further includes:

[0032] Update the status information of the target ecological contract number to the suspended status.

[0033] Furthermore, the method comprises:

[0034] If a cancellation request is received for any account, the status information of the ecological contract number of the account will be updated to the cancellation status.

[0035] Furthermore, if it is determined that the first ecological contract number is saved, the method further includes:

[0036] Determine whether there is an account bound to the first ecological contract number;

[0037] If so, do not respond to the account opening request;

[0038] If it does not exist, a new account is allocated for the first ecological contract number, and the first ecological contract number is bound to the account.

[0039] An embodiment of the present application provides an account association device, the device comprising:

[0040] An acquisition unit, used to obtain an account opening request from a third-party platform;

[0041] A first determining unit, configured to determine a first ecological contract number based on the target mobile phone number and other identification information carried in the account opening request;

[0042] a second determining unit configured to, if it is determined that the first ecological contract number is not stored and at least one second ecological contract number corresponding to the target mobile phone number is stored, determine, based on the status information of the at least one second ecological contract number, a reference ecological contract number whose status information indicates a non-cancelled state from among the at least one second ecological contract number;

[0043] The third determining unit is used to determine the target ecological contract number from each of the reference ecological contract numbers, and bind the account bound to the target ecological contract number to the first ecological contract number.

[0044] Furthermore, the second determining unit is specifically configured to determine that the first ecological contract number is not saved if it is determined that the first ecological contract number does not match any of the saved ecological contract numbers.

[0045] Furthermore, the second determination unit is specifically used to determine that the first ecological contract number is not saved if it is determined that the first ecological contract number does not match each ecological contract number corresponding to the saved target login number when the other identification information includes a target login number.

[0046] Furthermore, the second determining unit is specifically configured to determine that the at least one second ecological contract number is stored if it is determined that the ecological contract number corresponding to the target mobile phone number is stored based on the correspondence between the stored mobile phone numbers and the ecological contract numbers.

[0047] Furthermore, the third determination unit is specifically used to send user information of each reference ecological contract number to the target device; receive the target ecological contract number sent by the target device; wherein the target ecological contract number is determined from each reference ecological contract number.

[0048] Furthermore, the third determination unit is specifically used to bind the account bound to the target ecological contract number with the first ecological contract number when the other identification information includes a target account and if it is determined that the user information of the target account matches the user information of the target ecological contract number.

[0049] Furthermore, the third determination unit is specifically used to obtain facial information of the target account; and determine that the facial information matches the facial information of the target ecological contract number.

[0050] Furthermore, the third determination unit is also used to allocate a new account for the first ecological contract number and bind the first ecological contract number to the account if the user information of the target account does not match the user information of the target ecological contract number.

[0051] Furthermore, the third determining unit is further configured to determine whether an account bound to the target ecological contract number exists before binding the account bound to the target ecological contract number with the first ecological contract number.

[0052] Furthermore, the third determining unit is further configured to determine that the status information of the first ecological contract number is normal after binding the account bound to the target ecological contract number with the first ecological contract number.

[0053] Furthermore, the third determining unit is further configured to update the status information of the target ecological contract number to a suspended state after binding the account bound to the target ecological contract number with the first ecological contract number.

[0054] Furthermore, the third determining unit is further configured to update the status information of the ecological contract number of any account to a cancelled status if a cancellation request for canceling the account is obtained.

[0055] Furthermore, the second determination unit is also used to determine whether there is an account bound to the first ecological contract number if it is determined that the first ecological contract number is saved; if so, do not respond to the account opening request; if not, allocate a new account for the first ecological contract number and bind the first ecological contract number to the account.

[0056] Since the eco-contract numbers corresponding to each mobile phone number are pre-stored, when an account opening request is subsequently obtained from a third-party platform and the first eco-contract number is determined based on the target mobile phone number and other identification information carried in the account opening request, if it is determined that the first eco-contract number is not saved, it can be determined based on the target mobile phone number whether at least one second eco-contract number corresponding to the target mobile phone number is saved. This is conducive to subsequently obtaining the account previously registered by the user currently using the target mobile phone number from the accounts bound to each second eco-contract number. Then, based on the status information of the at least one second eco-contract number, a reference eco-contract number with status information of a non-cancelled state is determined from the at least one second eco-contract number, thereby avoiding the situation where the user currently using the target mobile phone number continues to use a previously cancelled account, thereby improving the accuracy of account association. Subsequently, the target eco-contract number is determined from each reference eco-contract number, and the account bound to the target eco-contract number is bound to the first eco-contract number, thereby achieving the association of different accounts of the same user on the third-party platform with the account registered by the user, effectively avoiding the situation where the user's account changes, resulting in the user being unable to continue to use the account registered before the account change. BRIEF DESCRIPTION OF THE DRAWINGS

[0057] In order to more clearly illustrate the technical solutions in the embodiments of the present application, the following briefly introduces the drawings required for use in the description of the embodiments. Obviously, the drawings described below are only some embodiments of the present application. For ordinary technicians in this field, other drawings can be obtained based on these drawings without any creative work.

[0058] Figure 1 A schematic diagram of an account association process provided in an embodiment of the present application;

[0059] Figure 2 A schematic diagram of a specific account association process provided in an embodiment of the present application;

[0060] Figure 3 A schematic diagram of a specific account association process provided in an embodiment of the present application;

[0061] Figure 4 A schematic diagram of the state information conversion of an eco-contract number provided in an embodiment of the present application;

[0062] Figure 5 A schematic diagram of the structure of an account association device provided in an embodiment of the present application;

[0063] Figure 6 A schematic diagram of the structure of an electronic device provided in an embodiment of the present application. DETAILED DESCRIPTION

[0064] The present application will be further described in detail below with reference to the accompanying drawings. It is apparent that the embodiments described are only a portion of the embodiments of the present application, not all of them. All other embodiments derived by persons of ordinary skill in the art based on the embodiments of the present application without creative effort are intended to fall within the scope of protection of the present application.

[0065] Those skilled in the art will appreciate that the embodiments of the present application may be implemented as a system, apparatus, device, method, or computer program product. Therefore, the present application may be implemented in the following forms: entirely in hardware, entirely in software (including firmware, resident software, microcode, etc.), or in a combination of hardware and software.

[0066] It should be noted that in the description of this application, terms such as "first" and "second" are used solely for descriptive purposes and are not to be construed as indicating or implying relative importance or order. For example, "first ecological contract number" and "second ecological contract number" simply represent two different ecological contract numbers, without regard to order or relative importance.

[0067] It should be understood herein that any number of elements in the drawings is for illustration only and not for limitation, and any naming is only for distinction and does not have any limiting meaning.

[0068] For ease of understanding, some concepts involved in the embodiments of this application are explained below:

[0069] Third-party platform: a bank’s own in-house platform or an external platform with which the bank has a cooperative relationship.

[0070] Account Number: A unique identification number assigned by a third-party platform to users of the third-party platform to distinguish different users; or a number agreed upon by the third-party platform and the bank to distinguish different users; there is no fixed format requirement for this account number.

[0071] User mobile phone number, also referred to as mobile phone number: the mobile phone number used by the user when registering on a third-party platform.

[0072] Wallet account: A personal settlement account registered online by a bank.

[0073] Ecological contract number: The number used by the bank to record the ecological contract relationship between the third-party platform's account number, mobile phone number and other information and the wallet account.

[0074] Partner channel number, also known as third-party login number, can be simply referred to as login number: used to distinguish different platforms. For example, the login number can be a 23-digit number generated by the open banking component or digital account component.

[0075] In order to accurately associate different accounts of the same user on a third-party platform with the account registered by the user and improve the accuracy of account association, the embodiments of the present application provide an account association method, apparatus, device and medium.

[0076] Example 1:

[0077] The acquisition, storage, use, and processing of data in the technical solutions provided in the embodiments of this application comply with the relevant provisions of national laws and regulations.

[0078] Figure 1 A schematic diagram of an account association process provided in an embodiment of the present application includes:

[0079] S101: Obtain an account opening request from a third-party platform.

[0080] The account association method provided in the embodiment of the present application is applied to an electronic device, which may be a smart device, such as a mobile terminal, a computer, etc., or a server, such as an application server, etc.

[0081] In one possible scenario, a bank can cooperate with some third-party platforms to set up an account opening interface for a certain service within the bank on the third-party platform, such as a change card, so that users can register an account for the service within the bank through the account opening interface on the third-party platform, thereby realizing the development of financial product functions related to personal settlement accounts through the Internet. Based on this, when a user needs to use a certain bank's service on a third-party platform, he can run the third-party platform through a smart device and enter the account opening operation of the service, that is, call the interface set up for the service on the third-party platform. After the smart device obtains the account opening operation, it can generate an account opening request and send it to the electronic device that performs account association. After the electronic device that performs account association obtains the account opening request, it can use the account association method provided in this application to process the account opening request, thereby achieving a response to the account opening request.

[0082] It should be noted that there are many ways for users to input account opening operations, for example, they can input by inputting voice information, or they can input by operating the virtual buttons displayed on the display screen of the smart device, etc. The specific implementation process can be flexibly set according to needs, and no specific restrictions are made here.

[0083] It should be understood that the application scenarios listed in the above embodiments are merely exemplary scenarios for the purpose of illustration and are not intended to limit the application scenarios of the account association method, apparatus, device, and medium provided in the embodiments of the present application. Persons skilled in the art will appreciate that as new business scenarios emerge, the technical solutions provided in the embodiments of the present application will also be applicable to similar technical problems.

[0084] In a possible implementation, the user may register an account on a third-party platform before entering the account opening operation, and when entering the account opening operation request, the user's account is logged in on the third-party platform, thereby ensuring that the user has the authority to use the service.

[0085] S102: Determine a first ecological contract number based on the target mobile phone number and other identification information carried in the account opening request.

[0086] In an embodiment of the present application, when the electronic device that associates the account receives an account opening request, it can parse the account opening request and obtain the information carried in the account opening request to determine the ecological contract number (recorded as the first ecological contract number) based on the information, and then determine the account bound to the first ecological contract number (such as a wallet account) based on the first ecological contract number.

[0087] The information carried in the account opening request includes at least the target mobile phone number and other identifying information. It should be noted that the target mobile phone number can be the mobile phone number used by the user to register the target account, or it can be the mobile phone number associated with the smart device that sent the account opening request. This can be flexibly configured based on actual needs during implementation, and is not detailed here.

[0088] Optionally, the other identification information includes a target account number and / or a target login number. The target account number is used to identify the account logged into the third-party platform detected when the smart device receives the account opening operation, and the target account number can be used to distinguish account opening requests from different users. The target login number is used to identify the third-party platform and can be used to distinguish account opening requests from different third-party platforms.

[0089] During the specific implementation process, when the smart device receives the account opening operation input by the user, it can obtain the target mobile phone number and other identification information, and generate an account opening request based on the target mobile phone number and other identification information and send it to the electronic device that performs account association. After the electronic device that performs account association obtains the account opening request, it can parse the account opening request to obtain the target mobile phone number and other identification information carried in the account opening request. Based on the obtained target mobile phone number and other identification information, the first ecological contract number is determined. Exemplarily, according to the preset splicing rules, the target mobile phone number is spliced ​​with other identification information, or, through a preset algorithm (such as a hash algorithm, etc.), a calculation result is determined based on the target mobile phone number and other identification information, and the first ecological contract number is determined based on the calculation result.

[0090] S103: If it is determined that the first ecological contract number is not saved, and at least one second ecological contract number corresponding to the target mobile phone number is saved, then according to the status information of the at least one second ecological contract number, determine a reference ecological contract number whose status information is a non-cancelled state from the at least one second ecological contract number.

[0091] Since the same user may open an account repeatedly, in an embodiment of the present application, an account opening set is pre-recorded, and the account opening set contains the ecological contract numbers of the accounts that have been opened, that is, the ecological contract numbers of the corresponding accounts. After the first ecological contract number is obtained based on the above embodiment, it can be determined whether the account opening set contains the same ecological contract number as the first ecological contract number. If it is determined that the ecological contract number that is the same as the first ecological contract number is saved, it means that the user who sent the account opening request has already registered an account, then it is determined that the first ecological contract number is saved, and there is no need to respond to the account opening request later; if it is determined that the ecological contract number that is the same as the first ecological contract number is saved, it means that the user who sent the account opening request may not have registered an account, or the user who sent the account opening request may have registered an account with the target mobile phone number, then it is determined that the first ecological contract number is not saved, and the account opening request needs to be further processed later. The above method can avoid the situation where users of the same account open accounts repeatedly as much as possible, reduce the number of accounts that can be registered with the same account, and reduce resource waste.

[0092] It should be noted that when setting the initial account opening set, the account opening set can be empty. In the subsequent account association process, the ecological contract number in the account opening set can be updated in real time.

[0093] Exemplarily, when determining whether the first ecological contract number is stored, the first ecological contract number can be matched with each stored ecological contract number. If it is determined that the first ecological contract number does not match any of the stored ecological contract numbers, it is determined that the first ecological contract number is not stored. If it is determined that the first ecological contract number matches any of the stored ecological contract numbers, it is determined that the first ecological contract number is stored.

[0094] Taking into account that banks can cooperate with multiple third-party platforms, it is impossible to guarantee that the ecological contract numbers of different third-party platforms are completely different. Therefore, in an embodiment of the present application, the correspondence between the login number of the third-party platform and the ecological contract number can be saved for different third-party platforms, so as to distinguish the ecological contract numbers of different platforms. The other identification information carried in the subsequent account opening request will include the target login number, so that when determining whether the first ecological contract number is saved, it can be determined first whether the ecological contract number corresponding to the target login number is saved, so that when the ecological contract number corresponding to the target login number is not saved, there is no need to perform subsequent matching operations, which reduces the workload required for matching, reduces the impact of the same ecological contract number on account association in other third-party platforms, and improves the accuracy of account association.

[0095] Specifically, if it is determined that the eco-contract number corresponding to the target login number is saved, each eco-contract number corresponding to the target login number is obtained, and the first eco-contract number is matched with each eco-contract number corresponding to the target login number. If it is determined that the first eco-contract number does not match each eco-contract number corresponding to the target login number, it is determined that the first eco-contract number is not saved; if it is determined that the first eco-contract number matches any eco-contract number corresponding to the target login number, it is determined that the first eco-contract number is saved. If it is determined that the eco-contract number corresponding to the target login number is not saved, it means that no user has registered an account through the third-party platform corresponding to the target login number. In this case, a new account is directly allocated for the first eco-contract number, and the account is bound to the first eco-contract number.

[0096] Taking into account the possibility that a user may cancel an account on a third-party platform but does not cancel the account bound to the account, when a subsequent user registers an account on the third-party platform again, the third-party platform will assign a new account to the user, making it impossible for the user to use the account that has been registered but not cancelled through the re-registered account. Based on this, in an embodiment of the present application, a mobile phone number account opening set is recorded, and the mobile phone number account opening set contains the correspondence between the ecological contract number of the account that has been opened and the mobile phone number, so that the account previously registered by the user can be determined based on the mobile phone number, and the account previously registered by the user can be bound to the target account currently used by the user on the third-party platform. In the process of account association, it can be determined whether the user has registered an account before based on whether at least one ecological contract number (recorded as the second ecological contract number) corresponding to the target mobile phone number is saved in the mobile phone number account opening set.

[0097] It should be noted that when setting the initial mobile phone number account opening set, the mobile phone number account opening set can be empty. In the subsequent account association process, the ecological contract number in the mobile phone number account opening set can be updated in real time.

[0098] In one possible implementation, if it is determined that the first ecological contract number is not saved, and based on the correspondence between the saved mobile phone number and the ecological contract number, it is determined that at least one second ecological contract number corresponding to the target mobile phone number is not saved, indicating that there is no user who has registered an account using the target mobile phone number, then a new account can be directly allocated for the first ecological contract number, and the first ecological contract number can be bound to the account.

[0099] In another possible implementation, if it is determined that the first ecological contract number is not saved, and based on the correspondence between the saved mobile phone number and the ecological contract number, it is determined that at least one second ecological contract number corresponding to the target mobile phone number is saved, indicating that there is a user who uses the target mobile phone number to register an account, then the account bound to the at least one second ecological contract number can be processed to determine the account bound to the first ecological contract number.

[0100] It should be noted that it is possible to simultaneously determine whether the first ecological contract number is stored and whether at least one second ecological contract number corresponding to the target mobile phone number is stored. Alternatively, it is possible to first determine whether the first ecological contract number is stored and then determine whether at least one second ecological contract number corresponding to the target mobile phone number is stored. Alternatively, it is possible to first determine whether at least one second ecological contract number corresponding to the target mobile phone number is stored and then determine whether the first ecological contract number is stored. During specific implementation, flexible settings can be made based on actual needs and are not specifically limited here.

[0101] Because a user may cancel an account and then cancel the account bound to that account, the user may not be able to reuse the previously registered account even if they subsequently re-register. Therefore, in an embodiment of the present application, status information of each saved eco-contract number can be stored. This status information is used to identify whether the account bound to the eco-contract number has been cancelled, so that the availability of the account bound to the eco-contract number can be accurately determined based on this status information. The status information includes at least a non-cancelled state and a cancelled state. When it is determined based on the above embodiment that the first eco-contract number is not stored, and it is determined that at least one second eco-contract number corresponding to the target mobile phone number is stored, the status information of the at least one eco-contract number can be obtained. Then, based on the status information of the at least one second eco-contract number, a reference eco-contract number with a non-cancelled status is determined from the at least one second eco-contract number. This prevents the user currently using the target mobile phone number from continuing to use a previously cancelled account, thereby improving the accuracy of account association. Subsequently, based on the accounts bound to each reference eco-contract number, the account bound to the first eco-contract number is determined.

[0102] In one possible implementation, the non-cancellation status includes an initial status, which can be used to identify the eco-contract number of an account that has not yet triggered the account opening application interface on the third-party platform. For example, if a user registers an account on a third-party platform but has not yet triggered the account opening application interface on the third-party platform, the status information of the eco-contract number of the user's account is in the initial state.

[0103] In one possible implementation, the non-cancellation status includes a pre-application status, which can be used to identify the eco-contract number of an account that has triggered the account opening interface on a third-party platform but has not yet completed account registration. For example, if a user registers an account on a third-party platform, triggers the account opening interface on the third-party platform but does not complete account registration, the eco-contract number status information of the user's account will be in the pre-application status.

[0104] In one possible implementation, the non-cancellation status includes a normal status, which can be used to identify the eco-contract number of an account that has already been registered on a third-party platform. For example, after a user registers an account on a third-party platform, triggers the account opening application interface on the third-party platform, and completes the account registration, the status information of the eco-contract number of the user's account is normal.

[0105] In some possible application scenarios, if the non-cancellation state includes the initial state and the normal state, there may be some third-party platforms with a high correlation with the bank, and users registered on these third-party platforms are very likely to use the services within the bank and register accounts in the bank. Therefore, in the application embodiment, the login number of the joint third-party platform is pre-configured. After obtaining the account registration request of the registered account of any third-party platform, it can be determined whether the login number carried in the account registration request matches the login number of any joint third-party platform. If it is determined that the login number carried in the account registration request matches the login number of any joint third-party platform, then the ecological contract number of the account can be generated at the same time as the new account is allocated, and the status information of the ecological contract number is determined to be in a normal state; if it is determined that the login number carried in the account registration request does not match the login number of each joint third-party platform, then the ecological contract number of the account can be generated at the same time as the new account is allocated, and the status information of the ecological contract number is determined to be in an initial state.

[0106] S104: Determine a target ecological contract number from each of the reference ecological contract numbers, and bind the account bound to the target ecological contract number to the first ecological contract number.

[0107] After the reference ecological contract numbers are determined based on the above embodiment, a target ecological contract number can be determined from the reference ecological contract numbers, and then the account bound to the target ecological contract number is bound to the first ecological contract number.

[0108] Considering that there is a situation where a certain user (referred to as the first user) cancels his account on a third-party platform but does not cancel the account bound to the account, and the first user subsequently changes his mobile phone number, and the mobile phone number is used by another user (referred to as the second user), if the second user uses the mobile phone number to register an account on the third-party platform, there may be a problem that the second user impersonates the first user's account on the third-party platform, causing property loss to the first user and affecting the account security. Therefore, in the embodiment of the present application, when determining the target ecological contract number from each reference ecological contract number, it is necessary to perform security verification on each reference ecological contract number to ensure that the original user of the determined target ecological contract number is the same user as the user of the first ecological contract number.

[0109] In one possible implementation, after determining each reference ecological contract number, the account bound to the first ecological contract number can be determined in the following ways:

[0110] Method 1: If the other identifying information included in the received account opening request includes the target account, the target account's user information and the user information for each reference eco-contract number can be obtained. The target account's user information is then matched against the user information for each reference eco-contract number. If the target account's user information matches the user information for any reference eco-contract number, the matching reference eco-contract number can be determined as the target eco-contract number.

[0111] In one possible implementation, if the user information of the target account does not match the user information of each reference eco-contract number, a new account is allocated for the first eco-contract number, and the first eco-contract number is bound to the newly allocated account.

[0112] Among them, the user information includes age, gender, name, email address, facial information and other information.

[0113] For example, if the user information includes facial information, the facial information of the target account and the facial information of each reference ecological contract number can be obtained. The facial information of the target account is matched with the facial information of each reference ecological contract number. If the facial information of the target account matches the facial information of any reference ecological contract number, the matched reference ecological contract number can be determined as the target ecological contract number.

[0114] If the facial information of the target account does not match the facial information of each reference ecological contract number, a new account is allocated for the first ecological contract number, and the first ecological contract number is bound to the newly allocated account.

[0115] After the target ecological contract number is determined, the account bound to the target ecological contract number can be directly bound to the first ecological contract number.

[0116] Method 2: The user information for each reference eco-contract number can be sent to the target device to control the target device to output the user information for each reference eco-contract number. For example, the target device can output the user information for each reference eco-contract number via voice broadcast, or the target device can display the user information for each reference eco-contract number on a display screen, thereby allowing the user of the target device to select the reference eco-contract number that matches their own user information based on the output. The target device can be the device that sends the account opening request or the device that logs into the target account.

[0117] When the target device receives the target eco-contract number selected by the user, it can generate feedback information based on the target eco-contract number and send it to the electronic device that is associated with the account. The electronic device that is associated with the account can then determine the target eco-contract number from the reference eco-contract numbers based on the received feedback information.

[0118] In a possible implementation, after the target ecological contract number is determined based on the second method, the account bound to the target ecological contract number can be directly bound to the first ecological contract number.

[0119] In another possible implementation, after the electronic device for account association obtains the target eco-contract number based on method 2, it can obtain the user information of the target account and the user information of the target eco-contract number. Match the user information of the target account with the user information of the target eco-contract number. If the user information of the target account does not match the user information of the target eco-contract number, it means that the user of the target account may be the account of a user who has impersonated the target eco-contract number. A new account can be allocated for the first eco-contract number, and the first eco-contract number can be bound to the newly allocated account; if the user information of the target account matches the user information of the target eco-contract number, the account bound to the target eco-contract number can be bound to the first eco-contract number, which can effectively prevent the account from being impersonated by others and improve account security. Specifically, if the other identification information includes the target account, the account bound to the target eco-contract number and the first eco-contract number are bound, including:

[0120] If it is determined that the user information of the target account matches the user information of the target ecological contract number, the account bound to the target ecological contract number is bound to the first ecological contract number.

[0121] For example, if the user information includes facial information, the facial information of the target account and the facial information of the target ecological contract number can be obtained. The facial information of the target account is matched with the facial information of the target ecological contract number. If the facial information of the target account matches the facial information of the target ecological contract number, the account bound to the target ecological contract number can be bound to the first ecological contract number. If the facial information of the target account does not match the facial information of the target ecological contract number, a new account is allocated for the first ecological contract number, and the first ecological contract number is bound to the newly allocated account.

[0122] In a possible application scenario, the user may be an account registered through a joint third-party platform, so that the status information of the ecological contract number of the account is normal, but there is no bound account for the ecological contract number, so that if the ecological contract number of the account is subsequently used to determine the target ecological contract number, the account bound to the target ecological contract number cannot be bound to the first ecological contract number. Therefore, in an embodiment of the present application, before binding the account bound to the target ecological contract number with the first ecological contract number, it can be determined whether there is an account bound to the target ecological contract number. If there is an account bound to the target ecological contract number, the step of binding the account bound to the target ecological contract number with the first ecological contract number is executed; otherwise, a new account is allocated to the first ecological contract number, and the first ecological contract number is bound to the account.

[0123] After the account bound to the first ecological contract number is determined, that is, the account bound to the target ecological contract number is bound to the first ecological contract number, or, after the first ecological contract number is bound to the newly allocated account, it can be determined that the status information of the first ecological contract number is normal, that is, the operation of registering the account bound to the first ecological contract number is completed.

[0124] To facilitate the management of accounts on third-party platforms, in an embodiment of the present application, after the account bound to the target ecological contract number is bound to the first ecological contract number, indicating that the user of the target ecological contract number no longer uses the first ecological contract number, the status information of the target ecological contract number can be updated to a suspended state. The suspended state indicates that the account bound to the target ecological contract number has stopped using the target ecological contract number.

[0125] In one possible implementation, if a user wishes to cancel an account, they can do so through a pre-defined cancellation channel, such as visiting a bank counter. Bank staff can input the account cancellation operation via a smart device. Upon receiving this cancellation operation, the smart device can generate a cancellation request for the account and send it to the electronic device associated with the account. Upon receiving this cancellation request, the associated electronic device can update the status information of the account's eco-contract number to a cancelled state based on the cancellation request, thereby canceling the account.

[0126] Exemplarily, after receiving the account cancellation request, the electronic device performing account association parses the request and obtains the account identification information carried in the request. Based on the correspondence between the account identification information and the eco-contract number, the electronic device determines the eco-contract number corresponding to the account identification information carried in the account cancellation request. The status information of the determined eco-contract number is then updated to the deregistered state.

[0127] In one possible implementation, after a user cancels their account on a third-party platform, if they do not use the pre-defined cancellation method, the status information of the account's eco-contract number remains unchanged. If another user is detected registering an account on a third-party platform using the user's mobile phone number, the status information of the account's eco-contract number may be updated to a suspended state.

[0128] For example, after the first user registers an account on a third-party platform (recorded as the first account), the account opening application interface is triggered on the third-party platform but the account registration is not completed, then the status information of the ecological contract number of the first account of the first user is in the pre-application state. After the first user subsequently cancels the first account on the third-party platform, if the first user does not go to the bank counter to cancel the account for the change card business, the status information of the ecological contract number of the first account is still in the pre-application state. When it is detected that the second user has completed the registration of the second account on the third-party platform using the first mobile phone number, the status information of the ecological contract number of the first account can be updated from the pre-application state to the suspension state.

[0129] For another example, after the first user registers a first account on a third-party platform, triggers the account opening application interface on the third-party platform and completes the account registration, the status information of the ecological contract number of the first account of the first user is in a normal state. When the first user subsequently cancels the first account on the third-party platform, if the first user does not go to the bank counter to cancel the account for the change card business, the status information of the ecological contract number of the first account will still be in a normal state. When it is detected that the second user has completed the registration of the second account on the third-party platform using the first mobile phone number, the status information of the ecological contract number of the first account can be updated from a normal state to a suspended state.

[0130] It should be noted that the number (including login number, account number, account identification information, ecological contract number) can be represented in the form of numbers, strings, etc., or can be identified in other forms. As long as the representation form can uniquely identify the number, it can be applied to the embodiments of this application.

[0131] Since the eco-contract numbers corresponding to each mobile phone number are pre-stored, when the account opening request from the third-party platform is subsequently obtained and the first eco-contract number is determined based on the target mobile phone number and other identification information carried in the account opening request, if it is determined that the first eco-contract number is not saved, it can be determined based on the target mobile phone number whether at least one second eco-contract number corresponding to the target mobile phone number is saved. This is conducive to subsequently obtaining the account previously registered by the user currently using the target mobile phone number from the accounts bound to each second eco-contract number. Then, based on the status information of the at least one second eco-contract number, a reference eco-contract number with status information of a non-cancelled state is determined from the at least one second eco-contract number, thereby avoiding the situation where the user currently using the target mobile phone number continues to use a previously cancelled account, thereby improving the accuracy of account association. Subsequently, the target eco-contract number is determined from each reference eco-contract number, and the account bound to the target eco-contract number is bound to the first eco-contract number, thereby achieving the association of different accounts of the same user on the third-party platform with the account registered by the user, effectively avoiding the situation where the user's account changes, resulting in the user being unable to continue to use the wallet account registered before the account change.

[0132] Example 2:

[0133] The following describes in detail the account association method provided by the embodiment of the present application through specific examples. Figure 2 A schematic diagram of a specific account association process provided in an embodiment of the present application, the process includes:

[0134] S201: When an account opening request is received from a third-party platform, a first ecological contract number is determined based on the target mobile phone number, target account number, and target login number carried in the account opening request.

[0135] S202: Determine whether the first ecological contract number is saved. If so, execute S203; otherwise, execute S204.

[0136] S203: Do not respond to the account opening request.

[0137] S204: Determine whether at least one second ecological contract number corresponding to the target mobile phone number is saved. If so, execute S205; otherwise, execute S213.

[0138] S205: Obtain status information of the at least one second ecological contract number.

[0139] S206: According to the status information of the at least one second ecological contract number, determine a reference ecological contract number whose status information is a non-cancelled state from the at least one second ecological contract number.

[0140] S207: Send the user information of each reference ecological contract number to the target device of the target account.

[0141] S208: Receive the target ecological contract number sent by the target device.

[0142] Among them, the target ecological contract number is determined from the reference ecological contract numbers.

[0143] S209: Obtain facial information of the target account and facial information of the target ecological contract number.

[0144] S210: Determine whether the facial information of the target account matches the facial information of the target ecological contract number. If so, execute S211; otherwise, execute S213.

[0145] S211: Bind the account bound to the target ecological contract number to the first ecological contract number.

[0146] S212: Update the status information of the target ecological contract number to the suspended state and execute S214.

[0147] S213: Allocate a new account for the first ecological contract number and bind the first ecological contract number to the account.

[0148] S214: Determine that the status information of the first ecological contract number is normal.

[0149] S215: If a cancellation request for any account is obtained, the status information of the ecological contract number of the account is updated to the cancellation status.

[0150] Figure 3 A schematic diagram of a specific account association process provided in an embodiment of the present application, the process includes:

[0151] S301: Obtain an account registration request from a third-party platform.

[0152] S302: Determine whether the login number carried in the account registration request matches the login number of any joint third-party platform. If so, execute S303; otherwise, execute S304.

[0153] S303: Allocate a new account, generate an ecological contract number for the account, and determine that the status information of the ecological contract number is normal.

[0154] S304: Allocate a new account, generate an ecological contract number for the account, and determine that the status information of the ecological contract number is in the initial state.

[0155] S305: When an account opening request is received from a third-party platform, the first ecological contract number is determined according to the target mobile phone number, target account number, and target login number carried in the account opening request.

[0156] S306: Determine whether the first ecological contract number is saved. If so, execute S307; otherwise, execute S309.

[0157] S307: Determine whether the account bound to the first ecological contract number exists. If so, execute S308; otherwise, execute S319.

[0158] S308: Do not respond to the account opening request.

[0159] S309: Determine whether at least one second ecological contract number corresponding to the target mobile phone number is saved. If so, execute S310; otherwise, execute S319.

[0160] S310: Obtain status information of the at least one second ecological contract number.

[0161] S311: According to the status information of the at least one second ecological contract number, determine a reference ecological contract number whose status information is a non-cancelled state from the at least one second ecological contract number.

[0162] S312: Send the user information of each reference ecological contract number to the target device of the target account.

[0163] S313: Receive a message sent by the target device carrying a target ecological contract number; wherein the target ecological contract number is determined from various reference ecological contract numbers.

[0164] S314: Determine whether the account bound to the target ecological contract number exists. If so, execute S315; otherwise, execute S319.

[0165] S315: Obtain the facial information of the target account and the facial information of the target ecological contract number.

[0166] S316: Determine whether the facial information of the target account matches the facial information of the target ecological contract number. If so, execute S317; otherwise, execute S319.

[0167] S317: Bind the account bound to the target ecological contract number to the first ecological contract number.

[0168] S318: Update the status information of the target ecological contract number to the suspended state and execute S314.

[0169] S319: Allocate a new account for the first ecological contract number and bind the first ecological contract number to the account.

[0170] S320: Determine that the status information of the first ecological contract number is normal.

[0171] S321: If a cancellation request for any account is obtained, the status information of the ecological contract number of the account is updated to the cancellation status.

[0172] Figure 4 This is a schematic diagram of the state information conversion of an ecological contract number provided in the embodiment of this application. Figure 4 As shown, if it is determined that the login number carried in the account registration request matches the login number of any joint third-party platform, a new first account is allocated, and the ecological contract number of the first account is generated, and the status information of the ecological contract number is determined to be normal, that is, the status information of the ecological contract number is normal. If a cancellation request is subsequently received to cancel the account of the first account, the status information of the ecological contract number of the account is updated to the cancellation status, that is, the change process of the status information of the ecological contract number from generation to cancellation can be seen through Figure 4 The conversion path shown is 6→5.

[0173] If it is determined that the login number carried in the account registration request does not match the login number of each joint third-party platform, a new first account is allocated, and an ecological contract number is generated for the first account, and the status information of the ecological contract number is determined to be in the initial state. Subsequently, the first user triggers the account opening application interface on the third-party platform but does not complete the account registration, then the status information of the ecological contract number of the first account of the first user is in the pre-application state. When the first user subsequently cancels the first account on the third-party platform, if the first user does not go to the bank counter to cancel the account for the change card business, the status information of the ecological contract number of the first account is still in the pre-application state. When it is detected that the second user has completed the registration of the second account on the third-party platform using the first mobile phone number, the status information of the ecological contract number of the first account can be updated from the pre-application state to the suspension state, that is, the change process of the status information of the ecological contract number can be achieved through Figure 4 The conversion path shown is 0→2.

[0174] If it is determined that the login number carried in the account registration request does not match the login number of each joint third-party platform, a new account is allocated, and an ecological contract number for the account is generated, and the status information of the ecological contract number is determined to be in the initial state. Subsequently, the first user triggers the account opening application interface on the third-party platform and completes the account registration, then the status information of the ecological contract number of the first account of the first user is in a normal state. When the first user subsequently cancels the first account on the third-party platform, if the first user does not go to the bank counter to cancel the account for the change card business, the status information of the ecological contract number of the first account is still in a normal state. When it is detected that the second user completes the registration of the second account on the third-party platform using the first mobile phone number, the status information of the ecological contract number of the first account can be updated from a normal state to a suspended state. If a cancellation request for the cancellation of the first account is subsequently received, the status information of the ecological contract number of the account is updated to a cancellation state, that is, the change process of the status information of the ecological contract number of the first account from generation to cancellation can be seen through Figure 4 The conversion path shown is 0→1→3→4.

[0175] If it is determined that the login number carried in the account registration request does not match the login number of each joint third-party platform, a new account is allocated, and an ecological contract number for the account is generated, and the status information of the ecological contract number is determined to be in the initial state. Subsequently, the first user triggers the account opening application interface on the third-party platform and completes the account registration, and the status information of the ecological contract number of the first account of the first user is in a normal state. When the first user subsequently cancels the first account on the third-party platform, if the first user does not go to the bank counter to cancel the account for the change card business, the status information of the ecological contract number of the first account is still in a normal state. If a cancellation request is subsequently received to cancel the account of the first account, the status information of the ecological contract number of the account is updated to the cancellation state, that is, the change process of the status information of the ecological contract number of the first account from generation to cancellation can be seen through Figure 4 The conversion path shown is 0→1→5.

[0176] Example 3:

[0177] The embodiment of the present application provides an account association device, Figure 5 A schematic diagram of the structure of an account association device provided in an embodiment of the present application, the device comprising:

[0178] An acquisition unit 51 is configured to acquire an account opening request from a third-party platform;

[0179] A first determining unit 52 is configured to determine a first ecological contract number based on the target mobile phone number and other identification information carried in the account opening request;

[0180] The second determining unit 53 is configured to, if it is determined that the first ecological contract number is not stored and at least one second ecological contract number corresponding to the target mobile phone number is stored, determine, based on the status information of the at least one second ecological contract number, a reference ecological contract number whose status information indicates a non-cancelled state from among the at least one second ecological contract number;

[0181] The third determining unit 54 is configured to determine a target ecological contract number from each of the reference ecological contract numbers, and bind the account bound to the target ecological contract number to the first ecological contract number.

[0182] Furthermore, the second determining unit 53 is specifically configured to determine that the first ecological contract number is not stored if it is determined that the first ecological contract number does not match any of the stored ecological contract numbers.

[0183] Furthermore, the second determination unit 53 is specifically used to determine that the first ecological contract number is not saved if it is determined that the first ecological contract number does not match each ecological contract number corresponding to the saved target login number when the other identification information includes the target login number.

[0184] Furthermore, the second determining unit 53 is specifically configured to determine that the at least one second ecological contract number is stored if it is determined that the ecological contract number corresponding to the target mobile phone number is stored according to the correspondence between the stored mobile phone numbers and the ecological contract numbers.

[0185] Furthermore, the third determination unit 54 is specifically used to send user information of each reference ecological contract number to the target device; receive the target ecological contract number sent by the target device; wherein the target ecological contract number is determined from each reference ecological contract number.

[0186] Furthermore, the third determination unit 54 is specifically used to bind the account bound to the target ecological contract number to the first ecological contract number when the other identification information includes a target account and if it is determined that the user information of the target account matches the user information of the target ecological contract number.

[0187] Furthermore, the third determining unit 54 is specifically configured to obtain facial information of the target account; and determine that the facial information matches facial information of the target ecological contract number.

[0188] Furthermore, the third determination unit 54 is also used to allocate a new account for the first ecological contract number and bind the first ecological contract number to the account if the user information of the target account does not match the user information of the target ecological contract number.

[0189] Furthermore, the third determining unit 54 is further configured to determine whether an account bound to the target ecological contract number exists before binding the account bound to the target ecological contract number with the first ecological contract number.

[0190] Furthermore, the third determining unit 54 is further configured to determine that the status information of the first ecological contract number is normal after binding the account bound to the target ecological contract number with the first ecological contract number.

[0191] Furthermore, the third determining unit 54 is further configured to update the status information of the target ecological contract number to a suspended state after binding the account bound to the target ecological contract number with the first ecological contract number.

[0192] Furthermore, the third determining unit 54 is further configured to update the status information of the ecological contract number of any account to a cancelled status if a cancellation request for canceling the account is obtained.

[0193] Furthermore, the second determination unit 53 is also used to determine whether there is an account bound to the first ecological contract number if it is determined that the first ecological contract number is saved; if so, do not respond to the account opening request; if not, allocate a new account for the first ecological contract number and bind the first ecological contract number to the account.

[0194] Since the eco-contract numbers corresponding to each mobile phone number are pre-stored, when the account opening request from the third-party platform is subsequently obtained and the first eco-contract number is determined based on the target mobile phone number and other identification information carried in the account opening request, if it is determined that the first eco-contract number is not saved, it can be determined based on the target mobile phone number whether at least one second eco-contract number corresponding to the target mobile phone number is saved. This is conducive to subsequently obtaining the account previously registered by the user currently using the target mobile phone number from the accounts bound to each second eco-contract number. Then, based on the status information of the at least one second eco-contract number, a reference eco-contract number with status information of a non-cancelled state is determined from the at least one second eco-contract number, thereby avoiding the situation where the user currently using the target mobile phone number continues to use a previously cancelled account, thereby improving the accuracy of account association. Subsequently, the target eco-contract number is determined from each reference eco-contract number, and the account bound to the target eco-contract number is bound to the first eco-contract number, thereby achieving the association of different accounts of the same user on the third-party platform with the account registered by the user, effectively avoiding the situation where the user's account changes, resulting in the user being unable to continue to use the wallet account registered before the account change.

[0195] Example 4:

[0196] Based on the above embodiments, the present application also provides an electronic device, Figure 6 A schematic diagram of the structure of an electronic device provided in an embodiment of the present application is shown in FIG. Figure 6 As shown, it includes: a processor 61, a communication interface 62, a memory 63 and a communication bus 64, wherein the processor 61, the communication interface 62, and the memory 63 communicate with each other through the communication bus 64;

[0197] The memory 63 stores a computer program. When the program is executed by the processor 61, the processor 61 performs the following steps:

[0198] Obtain account opening request from third-party platform;

[0199] Determine the first ecological contract number based on the target mobile phone number and other identification information carried in the account opening request;

[0200] If it is determined that the first ecological contract number is not saved, and at least one second ecological contract number corresponding to the target mobile phone number is saved, then, based on the status information of the at least one second ecological contract number, determine a reference ecological contract number whose status information indicates that the number is not cancelled from the at least one second ecological contract number;

[0201] Determine the target ecological contract number from each of the reference ecological contract numbers, and bind the account bound to the target ecological contract number to the first ecological contract number.

[0202] Furthermore, the processor 61 is specifically configured to determine that the first ecological contract number is not stored if it is determined that the first ecological contract number does not match any of the stored ecological contract numbers.

[0203] Furthermore, the processor 61 is specifically used to determine that the first ecological contract number is not saved if it is determined that the first ecological contract number does not match each ecological contract number corresponding to the saved target login number when the other identification information includes a target login number.

[0204] Furthermore, the processor 61 is specifically configured to determine that the at least one second ecological contract number is stored if it is determined that the ecological contract number corresponding to the target mobile phone number is stored according to the correspondence between the stored mobile phone numbers and the ecological contract numbers.

[0205] Furthermore, the processor 61 is specifically used to send user information of each reference ecological contract number to the target device; receive the target ecological contract number sent by the target device; wherein the target ecological contract number is determined from each reference ecological contract number.

[0206] Furthermore, the processor 61 is specifically used to bind the account bound to the target ecological contract number with the first ecological contract number when the other identification information includes a target account and if it is determined that the user information of the target account matches the user information of the target ecological contract number.

[0207] Furthermore, the processor 61 is specifically configured to obtain facial information of the target account; and determine that the facial information matches facial information of the target ecological contract number.

[0208] Furthermore, the processor 61 is further configured to allocate a new account for the first eco-contract number and bind the first eco-contract number to the account if the user information of the target account does not match the user information of the target eco-contract number.

[0209] Furthermore, the processor 61 is further configured to determine whether an account bound to the target ecological contract number exists before binding the account bound to the target ecological contract number with the first ecological contract number.

[0210] Furthermore, the processor 61 is further configured to, after binding the account bound to the target eco-contract number with the first eco-contract number, determine that the status information of the first eco-contract number is normal.

[0211] Furthermore, the processor 61 is further configured to update the status information of the target ecological contract number to a suspended state after binding the account bound to the target ecological contract number with the first ecological contract number.

[0212] Furthermore, the processor 61 is further configured to update the status information of the ecological contract number of any account to a cancellation status if a cancellation request for cancellation of the account is obtained.

[0213] Furthermore, the processor 61 is also used to determine whether there is an account bound to the first ecological contract number if it is determined that the first ecological contract number is saved; if so, not respond to the account opening request; if not, allocate a new account for the first ecological contract number and bind the first ecological contract number to the account.

[0214] Since the principle of solving the problem by the above electronic device is similar to the account association method, the implementation of the above electronic device can refer to the embodiment of the method, and the repeated parts will not be repeated.

[0215] The communication bus mentioned in the above-mentioned electronic device can be a Peripheral Component Interconnect (PCI) bus or an Extended Industry Standard Architecture (EISA) bus, etc. The communication bus can be divided into an address bus, a data bus, a control bus, etc. For ease of representation, only one thick line is used in the figure, but it does not mean that there is only one bus or one type of bus. The communication interface 62 is used for communication between the above-mentioned electronic device and other devices. The memory can include a random access memory (RAM) or a non-volatile memory (NVM), such as at least one disk storage. Optionally, the memory can also be at least one storage device located away from the aforementioned processor.

[0216] The above-mentioned processor can be a general-purpose processor, including a central processing unit, a network processor (NP), etc.; it can also be a digital signal processing processor (DSP), an application-specific integrated circuit, a field programmable gate array or other programmable logic device, a discrete gate or transistor logic device, a discrete hardware component, etc.

[0217] Since the eco-contract numbers corresponding to each mobile phone number are pre-stored, when the account opening request from the third-party platform is subsequently obtained and the first eco-contract number is determined based on the target mobile phone number and other identification information carried in the account opening request, if it is determined that the first eco-contract number is not saved, it can be determined based on the target mobile phone number whether at least one second eco-contract number corresponding to the target mobile phone number is saved. This is conducive to subsequently obtaining the account previously registered by the user currently using the target mobile phone number from the accounts bound to each second eco-contract number. Then, based on the status information of the at least one second eco-contract number, a reference eco-contract number with status information of a non-cancelled state is determined from the at least one second eco-contract number, thereby avoiding the situation where the user currently using the target mobile phone number continues to use a previously cancelled account, thereby improving the accuracy of account association. Subsequently, the target eco-contract number is determined from each reference eco-contract number, and the account bound to the target eco-contract number is bound to the first eco-contract number, thereby achieving the association of different accounts of the same user on the third-party platform with the account registered by the user, effectively avoiding the situation where the user's account changes, resulting in the user being unable to continue to use the wallet account registered before the account change.

[0218] Example 5:

[0219] Based on the above embodiments, an embodiment of the present application further provides a computer-readable storage medium, which stores a computer program executable by a processor. When the program runs on the processor, the processor implements the following steps:

[0220] Obtain account opening request from third-party platform;

[0221] Determine the first ecological contract number based on the target mobile phone number and other identification information carried in the account opening request;

[0222] If it is determined that the first ecological contract number is not saved, and at least one second ecological contract number corresponding to the target mobile phone number is saved, then, based on the status information of the at least one second ecological contract number, determine a reference ecological contract number whose status information indicates that the number is not cancelled from the at least one second ecological contract number;

[0223] Determine the target ecological contract number from each of the reference ecological contract numbers, and bind the account bound to the target ecological contract number to the first ecological contract number.

[0224] Furthermore, the determining that the first ecological contract number is not saved includes:

[0225] If it is determined that the first ecological contract number does not match any of the saved ecological contract numbers, it is determined that the first ecological contract number is not saved.

[0226] Furthermore, if the other identification information includes a target registration number, the determining that the first ecological contract number is not stored includes:

[0227] If it is determined that the first ecological contract number does not match any of the ecological contract numbers corresponding to the stored target registration number, it is determined that the first ecological contract number is not stored.

[0228] Further, determining that at least one second ecological contract number corresponding to the target mobile phone number is stored includes:

[0229] If it is determined that the ecological contract number corresponding to the target mobile phone number is stored according to the correspondence between the stored mobile phone numbers and the ecological contract numbers, it is determined that the at least one second ecological contract number is stored.

[0230] Furthermore, the determining of the target ecological contract number from the reference ecological contract numbers includes:

[0231] Sending user information of each reference ecological contract number to the target device;

[0232] The target ecological contract number is received from the target device; wherein the target ecological contract number is determined from the reference ecological contract numbers.

[0233] Furthermore, if the other identification information includes a target account number, binding the account bound to the target ecological contract number with the first ecological contract number includes:

[0234] If it is determined that the user information of the target account matches the user information of the target ecological contract number, the account bound to the target ecological contract number is bound to the first ecological contract number.

[0235] Furthermore, the determining that the user information of the target account matches the user information of the target ecological contract number includes:

[0236] Obtain facial information of the target account;

[0237] Determine whether the facial information matches the facial information of the target ecological contract number.

[0238] Furthermore, the method further comprises:

[0239] If the user information of the target account does not match the user information of the target ecological contract number, a new account is allocated for the first ecological contract number, and the first ecological contract number is bound to the account.

[0240] Furthermore, before binding the account bound to the target ecological contract number with the first ecological contract number, the method further includes:

[0241] Determine whether there is an account bound to the target ecological contract number.

[0242] Furthermore, after binding the account bound to the target ecological contract number with the first ecological contract number, the method further includes:

[0243] Determine that the status information of the first ecological contract number is normal.

[0244] Furthermore, after binding the account bound to the target ecological contract number with the first ecological contract number, the method further includes:

[0245] Update the status information of the target ecological contract number to the suspended status.

[0246] Furthermore, the method comprises:

[0247] If a cancellation request is received for any account, the status information of the ecological contract number of the account will be updated to the cancellation status.

[0248] Furthermore, if it is determined that the first ecological contract number is saved, the method further includes:

[0249] Determine whether there is an account bound to the first ecological contract number;

[0250] If so, do not respond to the account opening request;

[0251] If it does not exist, a new account is allocated for the first ecological contract number, and the first ecological contract number is bound to the account.

[0252] Since the principle of solving the problem by the above-mentioned computer-readable storage medium is similar to that of the account association method, the implementation of the above-mentioned computer-readable storage medium can refer to the embodiment of the method, and the repeated parts are not repeated here.

[0253] Since the eco-contract numbers corresponding to each mobile phone number are pre-stored, when the account opening request from the third-party platform is subsequently obtained and the first eco-contract number is determined based on the target mobile phone number and other identification information carried in the account opening request, if it is determined that the first eco-contract number is not saved, it can be determined based on the target mobile phone number whether at least one second eco-contract number corresponding to the target mobile phone number is saved. This is conducive to subsequently obtaining the account previously registered by the user currently using the target mobile phone number from the accounts bound to each second eco-contract number. Then, based on the status information of the at least one second eco-contract number, a reference eco-contract number with status information of a non-cancelled state is determined from the at least one second eco-contract number, thereby avoiding the situation where the user currently using the target mobile phone number continues to use a previously cancelled account, thereby improving the accuracy of account association. Subsequently, the target eco-contract number is determined from each reference eco-contract number, and the account bound to the target eco-contract number is bound to the first eco-contract number, thereby achieving the association of different accounts of the same user on the third-party platform with the account registered by the user, effectively avoiding the situation where the user's account changes, resulting in the user being unable to continue to use the wallet account registered before the account change.

[0254] Those skilled in the art will appreciate that the embodiments of the present application can be provided as methods, systems, or computer program products. Therefore, the present application can adopt the form of a complete hardware embodiment, a complete software embodiment, or an embodiment in combination with software and hardware. Moreover, the present application can adopt the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to magnetic disk storage, CD-ROM, optical storage, etc.) that contain computer-usable program code.

[0255] The present application is described with reference to the flowcharts and / or block diagrams of the methods, devices (systems), and computer program products according to the present application. It should be understood that each process and / or block in the flowchart and / or block diagram, as well as the combination of processes and / or blocks in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing device to produce a machine, so that the instructions executed by the processor of the computer or other programmable data processing device generate instructions for implementing the processes in the flowchart and / or block diagram. Figure 1 a process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0256] These computer program instructions may also be stored in a computer readable memory that can direct a computer or other programmable data processing device to work in a specific manner, so that the instructions stored in the computer readable memory produce an article of manufacture comprising an instruction device, which implements the process Figure 1 a process or multiple processes and / or boxes Figure 1 The function specified in one or more boxes.

[0257] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operational steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing the instructions executed on the computer or other programmable device for implementing the process. Figure 1 a process or multiple processes and / or boxes Figure 1 A step that specifies a function in one or more boxes.

[0258] Obviously, those skilled in the art may make various changes and modifications to this application without departing from the spirit and scope of this application. Thus, if these modifications and variations of this application fall within the scope of the claims of this application and their equivalents, this application is intended to include these modifications and variations.

Claims

1. An account association method, characterized in that: Applied to an electronic device used by a bank for account association, the method includes: Obtaining an account opening request from a third-party platform, wherein the third-party platform is a bank's in-house platform or an off-bank platform with which the bank has a cooperative relationship; Determine the first ecological contract number based on the target mobile phone number and other identification information carried in the account opening request; If the first ecological contract number does not match any of the saved ecological contract numbers, and at least one second ecological contract number corresponding to the target mobile phone number is saved, then, based on the status information of the at least one second ecological contract number, determine a reference ecological contract number whose status information indicates a non-cancelled state from the at least one second ecological contract number; Determine a target ecological contract number from each of the reference ecological contract numbers, and bind the account bound to the target ecological contract number to the first ecological contract number; Among them, the ecological contract number is the number used by the bank to record the ecological contract relationship between the third-party platform's account number, mobile phone number and other information and the wallet account.

2. The method according to claim 1, characterized in that The determining that the first ecological contract number is not saved includes: If it is determined that the first ecological contract number does not match any of the saved ecological contract numbers, it is determined that the first ecological contract number is not saved.

3. The method according to claim 1 or 2, characterized in that If the other identification information includes a target registration number, the determining that the first ecological contract number is not stored includes: If it is determined that the first ecological contract number does not match any of the ecological contract numbers corresponding to the stored target registration number, it is determined that the first ecological contract number is not stored.

4. The method according to claim 1, wherein Determining that at least one second ecological contract number corresponding to the target mobile phone number is stored includes: If it is determined that the ecological contract number corresponding to the target mobile phone number is stored according to the correspondence between the stored mobile phone numbers and the ecological contract numbers, it is determined that the at least one second ecological contract number is stored.

5. The method according to claim 1, wherein Determining the target ecological contract number from each of the reference ecological contract numbers includes: Sending user information of each reference ecological contract number to the target device; The target ecological contract number is received from the target device; wherein the target ecological contract number is determined from the reference ecological contract numbers.

6. The method according to claim 1 or 5, characterized in that If the other identification information includes a target account number, the step of binding the account bound to the target ecological contract number with the first ecological contract number includes: If it is determined that the user information of the target account matches the user information of the target ecological contract number, the account bound to the target ecological contract number is bound to the first ecological contract number.

7. The method according to claim 6, characterized in that The determining that the user information of the target account matches the user information of the target ecological contract number includes: Obtain facial information of the target account; Determine whether the facial information matches the facial information of the target ecological contract number.

8. The method according to claim 6, characterized in that The method further comprises: If the user information of the target account does not match the user information of the target ecological contract number, a new account is allocated for the first ecological contract number, and the first ecological contract number is bound to the account.

9. The method according to claim 1, characterized in that Before binding the account bound to the target ecological contract number with the first ecological contract number, the method further includes: Determine whether there is an account bound to the target ecological contract number.

10. The method according to claim 1, characterized in that After binding the account bound to the target ecological contract number with the first ecological contract number, the method further includes: Determine that the status information of the first ecological contract number is normal.

11. The method according to claim 1 or 10, characterized in that After binding the account bound to the target ecological contract number with the first ecological contract number, the method further includes: Update the status information of the target ecological contract number to the suspended status.

12. The method according to claim 1, characterized in that The method comprises: If a cancellation request is received for any account, the status information of the ecological contract number of the account will be updated to the cancellation status.

13. The method according to claim 1, wherein If it is determined that the first ecological contract number is saved, the method further includes: Determine whether there is an account bound to the first ecological contract number; If so, do not respond to the account opening request; If it does not exist, a new account is allocated for the first ecological contract number, and the first ecological contract number is bound to the account.

14. An account association device, characterized in that: A device for bank account association, comprising: an acquiring unit, configured to acquire an account opening request from a third-party platform, wherein the third-party platform is a bank's in-house platform or an off-bank platform with which the bank has a cooperative relationship; A first determining unit, configured to determine a first ecological contract number based on the target mobile phone number and other identification information carried in the account opening request; a second determining unit configured to, if the first ecological contract number does not match any of the stored ecological contract numbers, and at least one second ecological contract number corresponding to the target mobile phone number is stored, determine, based on the status information of the at least one second ecological contract number, a reference ecological contract number whose status information indicates a non-cancelled state from among the at least one second ecological contract number; a third determining unit, configured to determine a target ecological contract number from each of the reference ecological contract numbers, and bind an account bound to the target ecological contract number to the first ecological contract number; Among them, the ecological contract number is the number used by the bank to record the ecological contract relationship between the third-party platform's account number, mobile phone number and other information and the wallet account.

15. The device according to claim 14, characterized in that The second determining unit is specifically configured to determine that the first ecological contract number is not saved if it is determined that the first ecological contract number does not match any of the saved ecological contract numbers.

16. The device according to claim 14 or 15, characterized in that The second determination unit is specifically used to determine that the first ecological contract number is not saved if it is determined that the first ecological contract number does not match each ecological contract number corresponding to the saved target login number when the other identification information includes a target login number.

17. The device according to claim 14, characterized in that The second determining unit is specifically configured to determine that the at least one second ecological contract number is stored if it is determined that the ecological contract number corresponding to the target mobile phone number is stored according to the correspondence between the stored mobile phone numbers and the ecological contract numbers.

18. The device according to claim 14, characterized in that The third determination unit is specifically used to send user information of each reference ecological contract number to the target device; receive the target ecological contract number sent by the target device; wherein the target ecological contract number is determined from each reference ecological contract number.

19. The device according to claim 14 or 18, characterized in that The third determination unit is specifically used to bind the account bound to the target ecological contract number to the first ecological contract number when the other identification information includes a target account and if it is determined that the user information of the target account matches the user information of the target ecological contract number.

20. The device according to claim 19, characterized in that The third determination unit is specifically used to obtain the facial information of the target account; and determine that the facial information matches the facial information of the target ecological contract number.

21. The device according to claim 19, characterized in that The third determination unit is further configured to allocate a new account for the first ecological contract number and bind the first ecological contract number to the account if the user information of the target account does not match the user information of the target ecological contract number.

22. The device according to claim 14, characterized in that The third determining unit is further configured to determine the existence of an account bound to the target ecological contract number before binding the account bound to the target ecological contract number with the first ecological contract number.

23. The device according to claim 14, characterized in that The third determining unit is further configured to determine that the status information of the first ecological contract number is normal after binding the account bound to the target ecological contract number with the first ecological contract number.

24. The device according to claim 14 or 23, characterized in that The third determining unit is further configured to update the status information of the target ecological contract number to a suspended state after binding the account bound to the target ecological contract number with the first ecological contract number.

25. The device according to claim 14, characterized in that The third determining unit is further configured to update the status information of the ecological contract number of any account to a cancelled status if a cancellation request for canceling the account is obtained.

26. The device according to claim 14, characterized in that The second determining unit is further configured to, if it is determined that the first ecological contract number is saved, determine whether there is an account bound to the first ecological contract number; If it exists, the account opening request will not be responded to; if it does not exist, a new account will be allocated for the first ecological contract number and the first ecological contract number will be bound to the account.

27. An electronic device, characterized in that: The electronic device includes a processor, and the processor is configured to implement the steps of the account association method according to any one of claims 1 to 13 when executing a computer program stored in a memory.

28. A computer-readable storage medium, characterized in that It stores a computer program, which, when executed by a processor, implements the steps of the account association method according to any one of claims 1 to 13.

29. A computer program product, characterized in that The computer program product includes: computer program code, which, when executed on a computer, enables the computer to execute the steps of the account association method according to any one of claims 1 to 13.

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