Account opening method and device, and electronic device

Abstract

The application discloses an account opening method and device and electronic equipment. It is related to the field of finance or other fields. The method comprises the following steps: obtaining account opening information of a target enterprise applying for an account, and allocating a target collection device to the target enterprise according to the account opening information; controlling the target collection device to collect the business state information of the target enterprise, obtaining first state information, and determining a time range in which the target enterprise is allowed to open an account based on the first state information; when the current time is not in the time range, controlling the target collection device to collect the business state information of the target enterprise at a first preset frequency, obtaining second state information; in the case that the second state information is determined to update the time range, determining the updated time range, and opening an account for the target enterprise based on the updated time range. The application solves the technical problem of high labor cost caused by relying on manual account opening for related enterprises in the prior art.

Description

Technical Field

[0001] This invention relates to the financial field or other fields, and more specifically, to a method, apparatus, and electronic device for opening an account. Background Technology

[0002] When financial institutions open accounts for businesses, they often need to conduct due diligence. Due diligence is a routine background check procedure performed before signing a business agreement with a new client to assess potential risks in the upcoming business relationship. Traditional due diligence methods and processes, relying on manual processes, have several problems: First, in special circumstances, when relevant staff (such as account managers) cannot travel to the site for due diligence, business development can be hindered, requiring more manpower to ensure the smooth operation of the business. Second, in reality, businesses opening accounts are located in various regions, and conducting on-site due diligence for some distant locations incurs significant travel and material costs. Therefore, existing technologies suffer from high labor costs due to their reliance on manual methods for opening accounts for businesses.

[0003] There is currently no effective solution to the above problems. Summary of the Invention

[0004] This invention provides an account opening method, apparatus, and electronic device to at least solve the technical problem of high labor costs caused by relying on manual labor to open accounts for relevant enterprises in the prior art.

[0005] According to one aspect of the present invention, a method for opening an account is provided, comprising: obtaining account opening information of a target enterprise applying for an account, and allocating a target data collection device to the target enterprise according to the account opening information, wherein the target data collection device is set within the operating area of ​​the target enterprise; controlling the target data collection device to collect operating status information of the target enterprise to obtain first status information, and determining a time range within which the target enterprise is allowed to open an account based on the first status information; when the current time is not within the time range, controlling the target data collection device to collect operating status information of the target enterprise at a first preset frequency to obtain second status information; and, if an updated time range is determined based on the second status information, determining an updated time range, and opening an account for the target enterprise based on the updated time range.

[0006] Furthermore, the account opening method also includes: determining the document identifier of the target document contained in the account opening information; determining the target information corresponding to the document identifier from the preset storage area; and, if the target information is the same as the document information of the target document, allocating the target collection device to the target enterprise.

[0007] Furthermore, the account opening method also includes at least one of the following: controlling the target acquisition device to collect operational data from the target equipment of the target enterprise, and determining the operational data as the operating status information of the target enterprise, wherein the target equipment includes at least one of water meters, electricity meters, and payment collection equipment; controlling the target acquisition device to obtain the number of employees of the target enterprise, and determining the number of employees as the operating status information of the target enterprise; controlling the target acquisition device to collect the customer flow of the target enterprise, and determining the customer flow as the operating status information of the target enterprise; controlling the target acquisition device to collect images of the operating environment of the target enterprise, obtain target images, and determine the target images as the operating status information of the target enterprise.

[0008] Furthermore, the account opening method also includes: controlling the target acquisition device to obtain the account opening request fed back by the target object, wherein the target object and the target enterprise have a target association relationship; and determining the time range within which the target enterprise is allowed to open an account based on the first status information and the account opening request.

[0009] Furthermore, the account opening method also includes: after opening an account for the target enterprise based on the updated time range, controlling the target acquisition device to collect the target enterprise's operating status information based on a second preset frequency to obtain third status information; determining the degree of change between the third status information and the first status information to obtain the target change degree; and updating the target enterprise's permission to execute target business based on the target change degree.

[0010] Furthermore, the account opening method also includes: controlling the target acquisition device to obtain the object information of the target object; authenticating the identity of the target object based on the object information; and, if the identity of the target object is authenticated as the target identity, controlling the target acquisition device to collect the operating status information of the target enterprise to obtain the first status information.

[0011] Furthermore, the account opening method also includes: after determining the target information corresponding to the document identifier from the preset storage area, if the target information differs from the document information of the target document, generating a prompt message to prompt the target company to supplement the information, or prohibiting the target company from opening an account.

[0012] According to another aspect of the present invention, an account opening device is also provided, comprising: an acquisition module, configured to acquire account opening information of a target enterprise applying for an account, and allocate a target acquisition device to the target enterprise according to the account opening information, wherein the target acquisition device is located within the operating area of ​​the target enterprise; a first control module, configured to control the target acquisition device to collect operating status information of the target enterprise to obtain first status information, and determine a time range within which the target enterprise is allowed to open an account based on the first status information; a second control module, configured to control the target acquisition device to collect operating status information of the target enterprise at a first preset frequency to obtain second status information when the current time is not within the time range; and a determination module, configured to determine an updated time range when an updated time range is determined based on the second status information, and open an account for the target enterprise based on the updated time range.

[0013] According to another aspect of the present invention, a computer-readable storage medium is also provided, wherein a computer program is stored in the computer-readable storage medium, and the computer program is configured to execute the above-described account opening method when it is run.

[0014] According to another aspect of the present invention, an electronic device is also provided, the electronic device including one or more processors; a memory for storing one or more programs, wherein when the one or more programs are executed by the one or more processors, the one or more processors run the programs, wherein the programs are configured to execute the above-described account opening method when running.

[0015] In this embodiment of the invention, a method is adopted to determine the time range within which the target enterprise is allowed to open an account by collecting the operating status information of the target enterprise using a target acquisition device. This involves obtaining the account opening information of the target enterprise and allocating a target acquisition device to the target enterprise based on this information. The target acquisition device then collects the operating status information of the target enterprise to obtain first status information. Based on this first status information, the time range within which the target enterprise is allowed to open an account is determined. If the current time is not within this time range, the target acquisition device collects the operating status information of the target enterprise at a first preset frequency to obtain second status information. Based on the second status information, an updated time range is determined, and an account is opened for the target enterprise based on this updated time range. The target acquisition device is located within the operating area of ​​the target enterprise.

[0016] In the aforementioned process, by controlling the target data collection equipment to gather operational status information of the target enterprise, on the one hand, the time and effort required for on-site visits by relevant staff are avoided, effectively reducing labor costs in the account opening process. On the other hand, it avoids the potential for omissions, errors, and falsifications caused by unsupervised on-site collection of operational status information, effectively improving the accuracy and effectiveness of the relevant information required during the account opening process. Furthermore, by continuing to collect operational status information of the target enterprise even before the permitted account opening time has arrived, the falsification of operational status information by the target enterprise can be effectively prevented, reducing the risk of opening an account for the target enterprise. Simultaneously, it also avoids multiple on-site visits by relevant staff, further reducing labor costs in the account opening process.

[0017] Therefore, the solution provided in this application achieves the goal of collecting the operating status information of the target enterprise based on the target collection device to determine the time range within which the target enterprise is allowed to open an account, thereby reducing the technical effect of reducing the labor cost of the account opening process and solving the technical problem of high labor cost caused by relying on manual labor to open accounts for relevant enterprises in the prior art. Attached Figure Description

[0018] The accompanying drawings, which are included to provide a further understanding of the invention and form part of this application, illustrate exemplary embodiments of the invention and, together with their description, serve to explain the invention and do not constitute an undue limitation thereof. In the drawings:

[0019] Figure 1 This is a schematic diagram of an optional account opening method according to an embodiment of the present invention;

[0020] Figure 2 This is a flowchart of an optional account opening method according to an embodiment of the present invention;

[0021] Figure 3 This is a schematic diagram of an optional target system according to an embodiment of the present invention;

[0022] Figure 4 This is a schematic diagram of an optional target acquisition device according to an embodiment of the present invention;

[0023] Figure 5 This is a schematic diagram of an optional target acquisition device according to an embodiment of the present invention;

[0024] Figure 6 This is a schematic diagram of an optional account opening device according to an embodiment of the present invention;

[0025] Figure 7 This is a schematic diagram of an optional electronic device according to an embodiment of the present invention. Detailed Implementation

[0026] To enable those skilled in the art to better understand the present invention, the technical solutions of the present invention will be clearly and completely described below with reference to the accompanying drawings of the embodiments of the present invention. Obviously, the described embodiments are only some embodiments of the present invention, and not all embodiments. Based on the embodiments of the present invention, all other embodiments obtained by those skilled in the art without creative effort should fall within the scope of protection of the present invention.

[0027] It should be noted that the terms "first," "second," etc., in the specification, claims, and accompanying drawings of this invention are used to distinguish similar objects and are not necessarily used to describe a specific order or sequence. It should be understood that such data can be interchanged where appropriate so that the embodiments of the invention described herein can be implemented in orders other than those illustrated or described herein. Furthermore, the terms "comprising" and "having," and any variations thereof, are intended to cover a non-exclusive inclusion; for example, a process, method, system, product, or apparatus that comprises a series of steps or units is not necessarily limited to those steps or units explicitly listed, but may include other steps or units not explicitly listed or inherent to such processes, methods, products, or apparatus.

[0028] It should be noted that the account opening methods, devices, and electronic equipment provided in this disclosure can be used in the financial field, or in any field other than the financial field. The application fields of the account opening methods, devices, and electronic equipment provided in this disclosure are not limited.

[0029] It should be noted that all information (including but not limited to user device information, user personal information, etc.) and data (including but not limited to data used for display, data used for analysis, etc.) involved in this disclosure are information and data authorized by the user or fully authorized by all parties. For example, this system has an interface with the relevant user or organization. Before obtaining relevant information, it is necessary to send an acquisition request to the aforementioned user or organization through the interface, and obtain the relevant information after receiving consent from the aforementioned user or organization.

[0030] Example 1

[0031] According to an embodiment of the present invention, an embodiment of an account opening method is provided. It should be noted that the steps shown in the flowchart in the accompanying drawings can be executed in a computer system such as a set of computer-executable instructions. Furthermore, although a logical order is shown in the flowchart, in some cases, the steps shown or described may be executed in a different order than that shown here.

[0032] Figure 1This is a schematic diagram of an optional account opening method according to an embodiment of the present invention, such as... Figure 1 As shown, the method includes the following steps:

[0033] Step S301: Obtain the account opening information of the target company's application account, and allocate target collection equipment to the target company according to the account opening information. The target collection equipment is set up within the target company's operating area.

[0034] In step S301, the account opening information of the target company's application account can be obtained through electronic devices, application systems, servers, etc. In this application, the account opening information of the target company's application account is obtained through the account opening system.

[0035] Optional, such as Figure 2 As shown, users can submit account opening applications and corresponding account opening information online to the account opening system through relevant software or websites. Users can also submit account opening applications through offline offices of financial institutions. The aforementioned users can be users with a target relationship with the target company, such as the legal representative of the target company. The aforementioned financial institutions are institutions that can handle account opening business for the target company. The aforementioned account opening information can at least include the target company's business license, qualification certificate, property ownership certificate, and ID cards of the legal representative and authorized person. It can also include the target company's payroll records, social security records, water, electricity, and gas records, purchase and sales invoices, delivery notes, transaction contracts, etc.

[0036] Furthermore, the account opening system can first verify the authenticity of the account opening information, and if the authenticity is confirmed, allocate target data collection devices to the target enterprise based on the account opening information. Specifically, the account opening system can determine the branch closest to the target enterprise among the offline branches of the financial institution as the target branch, allocate a spare target data collection device from the target branch to the target enterprise, and install the target data collection device within the target enterprise's operating area. Optionally, the target data collection device can communicate remotely with the account opening system.

[0037] Step S302: Control the target acquisition device to collect the operating status information of the target enterprise, obtain the first status information, and determine the time range within which the target enterprise is allowed to open an account based on the first status information.

[0038] In step S302, the target acquisition device may be equipped with an image acquisition device and a voice acquisition device. Optionally, after the target device is installed within the target company's operating area, the account opening system can control the target acquisition device to activate the image acquisition device and the voice acquisition device to perform real-time image and / or voice acquisition of the target company's actual operating conditions (i.e., the aforementioned operating status information), thereby obtaining first status information, that is, conducting due diligence on the target company through the target acquisition device. The aforementioned actual operating conditions include, but are not limited to, the company's storefront, operating scale, number of employees, office environment, and operating environment.

[0039] Furthermore, after the account opening system controls the target acquisition device to collect the first status information, it can also control the target acquisition device to record the collection time and the corresponding identification of the relevant staff in the financial institution used to assist in controlling the target acquisition device in the first status information, thereby facilitating information storage.

[0040] Furthermore, after the account opening system obtains the first status information collected by the target acquisition device, it can determine whether the first status information of the target enterprise meets the first preset condition based on preset rules. For example, if it is determined that the number of employees of the target enterprise is greater than the preset number and the office space area is greater than the preset value, then the first status information of the target enterprise meets the first preset condition. Subsequently, if the first status information of the target enterprise meets the first preset condition, the account opening system can determine the time range within which the target enterprise is allowed to open an account based on the first status information. For example, the more stable the first status information indicates the target enterprise's operating status, the closer the time range for allowing the target enterprise to open an account is to the current time; conversely, the more unstable the first status information indicates the target enterprise's operating status, the further the time range for allowing the target enterprise to open an account is to the current time. After determining the time range for account opening, the system can feed this time range back to the target enterprise.

[0041] It should be noted that by controlling the target data collection equipment to collect the target company's operational status information, on the one hand, the time and effort required for relevant staff to visit the target company in person is avoided, effectively reducing the labor costs in the account opening process. On the other hand, it avoids the easy omissions, errors, and falsifications that can occur when collecting the target company's operational status information manually and without supervision on-site, effectively improving the accuracy and effectiveness of the relevant information required in the account opening process.

[0042] Step S303: When the current time is not within the time range, control the target acquisition device to collect the operating status information of the target enterprise at the first preset frequency to obtain the second status information.

[0043] In step S303, as Figure 2As shown, if the current time has not reached the time range allowed by the account opening system for the target enterprise to open an account, the account opening system can continue to control the target collection device to collect the operating status information of the aforementioned target enterprise in real time at a first preset frequency to obtain the second status information. The aforementioned first preset frequency can be collected once every N hours or once a day, and the account opening system can preset the duration of each information collection.

[0044] It should be noted that by continuing to collect information on the target company's business status before the permitted account opening timeframe has been reached, the risk of the target company falsifying its business status information can be effectively prevented, thus reducing the risk of opening an account for the target company. At the same time, it also avoids the need for relevant staff to visit the target company's site multiple times, further reducing the manpower costs of the account opening process.

[0045] Step S304: If the update time range is determined based on the second state information, the updated time range is determined, and an account is opened for the target enterprise based on the updated time range.

[0046] In step S304, the account opening system can compare the second status information with the first status information, and determine the time range that needs to be updated when the degree of change between the second status information and the first status information meets a second preset condition. The aforementioned second preset condition could be, for example, a decrease in the number of employees of the target enterprise by a first target percentage, or a decrease in customer traffic by a second target percentage.

[0047] Furthermore, after determining the time range that needs to be updated, the account opening system can determine the updated time range based on the degree of change between the aforementioned second state information and the first state information. For example, when the degree of change between the second state information and the first state information is greater, the original time range is postponed further; when the degree of change between the second state information and the first state information is smaller, the original time range is postponed less. In this way, the updated time range can be fed back to the target enterprise so that an account can be opened for the target enterprise within the updated time range.

[0048] Based on the scheme defined in steps S301 to S304 above, it can be understood that in this embodiment of the invention, the method of determining the time range within which the target enterprise is allowed to open an account is adopted by collecting the operating status information of the target enterprise based on the target acquisition device. This involves obtaining the account opening information of the target enterprise, allocating a target acquisition device to the target enterprise based on the account opening information, controlling the target acquisition device to collect the operating status information of the target enterprise to obtain first status information, and determining the time range within which the target enterprise is allowed to open an account based on the first status information. Then, when the current time is not within the time range, the target acquisition device is controlled to collect the operating status information of the target enterprise at a first preset frequency to obtain second status information. Thus, when an updated time range is determined based on the second status information, an updated time range is determined, and an account is opened for the target enterprise based on the updated time range. The target acquisition device is located within the operating area of ​​the target enterprise.

[0049] It is noteworthy that, in the aforementioned process, by controlling the target data collection equipment to gather the target company's operational status information, on the one hand, the time and effort required for on-site visits by relevant staff are avoided, effectively reducing labor costs in the account opening process. On the other hand, it avoids the potential for omissions, errors, and falsification of information caused by unsupervised on-site collection of the target company's operational status information, effectively improving the accuracy and effectiveness of the relevant information required during the account opening process. Furthermore, by continuing to collect the target company's operational status information before the permitted account opening timeframe has expired, the falsification of operational status information by the target company can be effectively prevented, reducing the risk of opening an account for the target company. Simultaneously, it also avoids multiple on-site visits by relevant staff, further reducing labor costs in the account opening process.

[0050] Therefore, the solution provided in this application achieves the goal of collecting the operating status information of the target enterprise based on the target collection device to determine the time range within which the target enterprise is allowed to open an account, thereby reducing the technical effect of reducing the labor cost of the account opening process and solving the technical problem of high labor cost caused by relying on manual labor to open accounts for relevant enterprises in the prior art.

[0051] In an optional embodiment, during the process of allocating target collection devices to a target enterprise based on account opening information, the account opening system can determine the document identifier of the target document contained in the account opening information, and then determine the target information corresponding to the document identifier from a preset storage area, thereby allocating target collection devices to the target enterprise when the target information is the same as the document information of the target document.

[0052] Optionally, the account opening information may include the target company's business license, qualification certificate, property ownership certificate, and ID cards of the legal representative and authorized person (i.e., the aforementioned target documents), such as... Figure 2 As shown, the account opening system can identify the document identifiers in the aforementioned documents, and then, based on Robotic Process Automation (RPA) technology, query relevant authoritative websites or platforms (i.e., the aforementioned preset storage area) based on the document identifiers to obtain the true target information and generate an electronic report. The aforementioned target information includes at least information of the same type as that recorded in the aforementioned documents, and may also include the target company's basic information, credit information, equity structure, legal proceedings information, movable property mortgage information, historical background, affiliated companies, violation records, penalty records, loan information, positive and negative information, credit information of the company's actual controller, and legal representative information, etc.

[0053] Furthermore, such as Figure 2 As shown, if the target information matches the document information of the target document, the account opening system can determine that the initial account opening review has passed and allocate a target data collection device to the target enterprise. Optionally, the account opening system can also allocate a target data collection device to the target enterprise when the target information matches the document information of the target document, and the aforementioned basic enterprise information, enterprise credit information, equity structure, legal proceedings information, movable property mortgage information, etc., meet the third preset condition. The aforementioned third preset condition can be pre-set in the account opening system by relevant staff of the financial institution.

[0054] Conversely, if the target information differs from the target document information, or if the aforementioned basic enterprise information, enterprise credit information, equity structure, legal proceedings information, movable property mortgage information, etc., do not meet the third preset condition, and if the account opening system has doubts about key elements, such as the location address and registered address being different, or the actual business situation being different from the registration category, the account opening system can generate a prompt message to prompt the target enterprise to supplement the information. If the system determines that there are doubts about the enterprise's business status or the legal representative's true intentions, the account opening system can determine that the target enterprise's initial account opening review has not passed, terminate the account opening process, and send relevant prompt messages to the target to end the account opening process.

[0055] Optionally, when it is determined that a target data collection device will be assigned to a target enterprise, the account opening system can assign due diligence tasks to a nearby branch of the target enterprise or a branch designated by the target enterprise, to a vacant target data collection device and relevant personnel at that branch. After receiving the aforementioned due diligence task, the relevant personnel can guide the relevant personnel in the target enterprise to install the target data collection device by mail or by going to the target enterprise's site, so that the subsequent data collection work of the target data collection device can proceed.

[0056] It should be noted that by assigning target data collection equipment to the target company only after verifying the authenticity of the account opening information provided, the invalid installation of target data collection equipment caused by direct assignment is avoided, thereby further reducing the labor costs of account opening. By generating prompts or directly prohibiting the target company from opening an account when the target information differs from the information on the target document, the applicability of this application is improved.

[0057] In an optional embodiment, during the process of controlling the target acquisition device to collect the operating status information of the target enterprise, the account opening system can control the target acquisition device to obtain the object information of the target object, then authenticate the identity of the target object based on the object information, and if the identity of the target object is authenticated as the target identity, control the target acquisition device to collect the operating status information of the target enterprise to obtain the first status information.

[0058] Optionally, at the target company's business site, the target company's staff or the financial institution's staff can turn on the power of the target data collection device and perform initial settings such as networking, and then enter the object information for the company's legal representative or authorized person (i.e., the aforementioned target object). The object information can be at least one of facial information or fingerprint information.

[0059] Furthermore, after the account opening system obtains the object information collected by the target collection device, the account opening system can authenticate whether the target object's identity is the target identity based on the aforementioned target information, that is, determine whether the object information is real. If the target object's identity is authenticated as the target identity, the system controls the target collection device to collect the target enterprise's business status information to obtain the first status information.

[0060] Optional, such as Figure 2 As shown, after the account opening system authenticates the target object's identity as the target identity, the account opening system can also control the target collection device to display an online electronic authorization letter for the target object to sign on the graphical user interface, so that the target object can authorize and agree to the target collection device to collect, record or use relevant information.

[0061] It should be noted that by controlling the target data collection device to collect the target company's operational status information after the target object's identity has been verified, the accuracy of the information during the account opening process is further guaranteed.

[0062] In one optional embodiment, during the process of determining the permitted time range for a target enterprise to open an account based on the first status information, the account opening system can control the target acquisition device to obtain the account opening request fed back by the target object, thereby determining the permitted time range for the target enterprise to open an account based on the first status information and the account opening request. Here, the target object and the target enterprise have a target association relationship.

[0063] Optionally, before the control target acquisition device collects the target enterprise's operational status information and obtains the first status information, such as... Figure 2 As shown, the account opening system can at least control the target acquisition device to send real-time video communications to the target object within the target enterprise. When the target object responds with consent to the video communication, the system controls the target acquisition device to collect the target enterprise's operational status information through the aforementioned image acquisition device and / or voice acquisition device, obtaining first status information, and storing this first status information. Conversely, if the target object responds with a message prohibiting video communication, the account opening system can terminate the account opening process and send relevant prompts to the target object to end the process.

[0064] Furthermore, the account opening system can also control the target acquisition device to collect other information through the aforementioned image acquisition device and / or voice acquisition device. Specifically, during video communication with the target, the account opening system can control the target acquisition device to send a message to the target asking whether they agree to open an account at the current financial institution, or whether they agree to have relevant staff members of the target company handle the account opening on their behalf, and record the account opening request responded by the target based on the aforementioned inquiries through the image acquisition device and voice acquisition device.

[0065] Furthermore, when the account opening system determines that the account opening request indicates that the target entity agrees to open an account at the current financial institution or agrees that relevant staff members of the target enterprise may handle the account opening on its behalf, and the first status information meets the first preset condition, the account opening review is deemed approved. Based on the first status information, the account opening system can determine the time range within which the target enterprise is allowed to open an account and provide feedback to the target entity.

[0066] Optionally, the account opening system can also control the target acquisition device to collect the target company's address information and supporting document information through the aforementioned image acquisition device and / or voice acquisition device. Specifically, the account opening system can control the target acquisition device to photograph the target company's storefront and address, and automatically capture the target acquisition device's current GPS location information. Simultaneously, the account opening system can also control the target acquisition device to photograph the target company's business license for the account opening system to access. The account opening system will then automatically identify the target company's name, unified social credit code, etc., using optical character recognition (OCR) technology and store this information. Further, the account opening system can determine that the account opening review is approved when it is confirmed that the target company agrees to open an account at the current financial institution, or agrees that relevant staff members of the target company can handle the account opening on its behalf, and the first status information meets the first preset condition. Based on the target information, the system can also determine the authenticity of the target company's address information and supporting document information. This will allow the target company to open an account within a specified timeframe. Conversely, if the target company's address information and supporting documents are found to be abnormal based on the target information, the account opening system can control the target data collection device to collect information again. The account opening system can also terminate the account opening process and send relevant prompts to the target to end the account opening process.

[0067] It should be noted that by combining the account opening requests from the target companies to determine the time frame within which the target companies are allowed to open accounts, the validity of the information during the account opening process is further guaranteed.

[0068] In one optional embodiment, controlling the target acquisition device to collect the operating status information of the target enterprise includes at least one of the following: controlling the target acquisition device to collect operating data from the target equipment of the target enterprise and determining the operating data as the operating status information of the target enterprise, wherein the target equipment includes at least one of water meters, electricity meters, and payment collection devices; controlling the target acquisition device to obtain the number of employees of the target enterprise and determining the number of employees as the operating status information of the target enterprise; controlling the target acquisition device to collect the customer flow of the target enterprise and determining the customer flow as the operating status information of the target enterprise; controlling the target acquisition device to collect images of the operating environment of the target enterprise, obtain target images, and determine the target images as the operating status information of the target enterprise.

[0069] Optionally, the account opening system can control the target acquisition device to connect with the target enterprise's smart devices (i.e., the aforementioned target devices) to obtain operational data from each smart device. These smart devices can be at least one of smart meters, smart water meters, or payment collection devices. The account opening system can also control the target acquisition device to collect images of the target enterprise's entrances and exits, or images of the target enterprise's workstation areas, during preset daily working hours, to obtain information on the number of employees at the target enterprise. The account opening system can also control the target acquisition device to collect infrared facial images of the target enterprise's entrances and exits during off-hours to collect information on customer traffic. The account opening system can also control the target acquisition device to collect images of the target enterprise's operating environment to obtain target images. The aforementioned operating environment can include information such as the target enterprise's production site, office address, and operating area size.

[0070] It should be noted that by collecting information such as the number of employees, operating data of target equipment, customer traffic, and operating environment of the target enterprise, effective information on the operating status of the target enterprise can be collected, which makes it easier for the account opening system to more accurately determine the aforementioned time range and other information.

[0071] In one optional embodiment, after opening an account for the target enterprise based on the updated time range, the account opening system can control the target acquisition device to collect the target enterprise's operating status information based on a second preset frequency to obtain third status information, and then determine the degree of change between the third status information and the first status information to obtain the target change degree; thereby updating the target enterprise's permission to execute target business based on the target change degree.

[0072] Optionally, after opening an account for the target enterprise, the financial institution can guide the target entity within the target enterprise to install the target data collection device in a suitable location, using it as a monitoring device. Subsequently, the account opening system can control the target data collection device to initiate enterprise inspections based on a second preset frequency, collecting the target enterprise's operational status information to obtain third status information, thereby verifying the enterprise's operational situation. Optionally, the account opening system can determine the degree of change between the third status information and the aforementioned first status information, thus obtaining the target change degree, which can characterize the changes in the target enterprise's operational status. Further, the account opening system can update the target enterprise's permissions to execute target businesses based on the target change degree. These target businesses can be businesses such as lending. For example, when it is determined that the target enterprise's operational data is gradually declining, the account opening system can reduce the number of target businesses that the target enterprise can handle or execute, or modify relevant values ​​in related target businesses.

[0073] It should be noted that by collecting operational status information of the target company even after it has opened an account, subsequent monitoring of the target company can be achieved, thereby reducing the risk for financial institutions when handling other business for the target company and further reducing labor costs.

[0074] Therefore, the solution provided in this application achieves the goal of collecting the operating status information of the target enterprise based on the target collection device to determine the time range within which the target enterprise is allowed to open an account, thereby reducing the technical effect of reducing the labor cost of the account opening process and solving the technical problem of high labor cost caused by relying on manual labor to open accounts for relevant enterprises in the prior art.

[0075] In an optional embodiment, the aforementioned method can be executed through a target system, wherein the target system includes the aforementioned account opening system and data collection system. The account opening system is located at the financial institution level and includes a user layer, a functional layer, a business layer, and a data layer, and is used to serve relevant staff within the financial institution (such as...). Figure 3 The system, as shown in the diagram (for account managers), is set up on the aforementioned target data collection device and also includes a user layer, a functional layer, a business layer, and a data layer, designed for relevant staff of the target enterprise. Based on the target system, functions such as security management, operational monitoring, information maintenance, online finance, and contactless payment for the target enterprise can be achieved.

[0076] Optional, such as Figure 3 As shown, security management can be achieved based on the OCR recognition and extraction unit and RPA automatic verification unit in the account opening system, as well as the cloud due diligence unit and video surveillance unit in the acquisition system. Specifically, the OCR recognition and extraction unit is used to at least identify the document identifier in the account opening information of the target enterprise and store the identified document identifier in the data packet corresponding to the target enterprise. The RPA automatic verification unit is used to determine the target information corresponding to the document identifier from the preset storage area based on the document identifier, and to determine whether the target information is the same as the document information of the target document, thereby generating an electronic report. The cloud due diligence unit is used to control the aforementioned image acquisition device or voice acquisition device to collect the operating status information of the target enterprise, and to save or directly feed back the obtained audio and video data with real location to the account opening system for due diligence verification. The video surveillance unit is used to assist the target entity in monitoring the target enterprise.

[0077] Optional, such as Figure 3As shown, operational monitoring can be achieved based on the cloud due diligence unit within the data acquisition system. Specifically, the cloud due diligence unit can connect to the target company's smart home system, collect operational data from the target company's smart meters, smart water meters, payment devices, and other smart devices, and send this data to the account opening system for processing and analysis. Simultaneously, after the target company opens an account, the cloud due diligence unit can also control the aforementioned image or voice acquisition devices to collect the target company's customer traffic and send this data to the account opening system. This allows the account opening system to determine the target company's average daily customer traffic and peak / off-peak traffic, and then feed this data back to the cloud due diligence unit for display on the graphical user interface of the target acquisition device. Optionally, the account opening system can also determine whether the target company's customer traffic continuously deviates from the average customer traffic or whether its operational data is declining based on third-state information and first-state information, and provide relevant data alerts to the financial institution's staff. Optionally, the cloud due diligence unit can also directly achieve the aforementioned determination of the target company's average daily customer traffic and peak / off-peak traffic, as well as the determination of the degree of change in customer traffic and operational data based on third-state information and first-state information.

[0078] Optionally, the data collection system can also provide authorization management functions for the target object after authenticating the target object using its object information, thereby enabling information maintenance. Specifically, the target object can interact with the target data collection device to set different user permissions for different employees of the target enterprise. When different employees operate the target data collection device, the device can perform facial recognition on the employees to determine their respective user permissions.

[0079] Optional, such as Figure 3 As shown, the data collection system can also provide financial application functions to the target company after it opens an account through the financial application unit. Specifically, the financial application unit can extract the target company's operating data and provide operating suggestions, such as intelligently matching credit products or wealth management plans based on the collected operating status information. Simultaneously, the data collection system can respond to call requests initiated by relevant staff within the target company, initiating remote communication with the account opening system. This allows staff at the target data collection device end to conduct video calls with relevant staff at the financial institution end, thereby improving communication efficiency and reducing labor costs. Furthermore, the financial application unit can respond to information update requests initiated by relevant staff within the target company, obtain the updated information, and send it to the account opening system for confirmation on whether to update directly or require the target company to schedule an online video update. This avoids the need for relevant staff of the target company to travel to financial institution branches, thus improving work efficiency.

[0080] Optional, such as Figure 3As shown, the data collection system can also provide contactless payment functionality to target enterprises after they open an account, through a contactless payment unit. Specifically, the contactless payment unit can generate a payment QR code for customers within the target enterprise to scan and pay, or scan a payment QR code provided by a customer to collect payment. Simultaneously, the contactless payment unit can automatically identify mobile phones or cards with embedded Ultra Wide Band (UWB) and Near Field Communication (NFC) chips for deduction. Specifically, a mobile phone or card with UWB can be considered a mobile tag. When a customer arrives at the preset payment area corresponding to the target data collection device, the device's "base station" detects the spatial positioning of the unique ID tag UWB, immediately locks onto it, and initiates information interaction. It records the purchased goods information to the payment terminal to generate payment information. Subsequently, the UWB, equipped with an NFC smart card, completes the contactless payment action, and then pushes the deduction message from the cloud to the customer's mobile phone, thus realizing a combined financial payment system using UWB, an eSE security chip, and NFC.

[0081] In one alternative embodiment, an optional device structure for the target acquisition device is described. For example... Figure 4 As shown, the target acquisition device includes at least a camera 101, a main unit base 104, and a support rod 102 for connecting the camera 101 and the main unit base 104. Optionally, the support rod 102 can be a 360° rotatable panoramic gimbal that can be raised and lowered to meet the video recording needs of enterprise business scenarios. The housing of the main unit base 104 can be made of Kevlar, a new type of high-tech synthetic fiber with advantages such as high strength, high wear resistance, light weight, tear resistance, antistatic properties, and strong radio frequency transmission capabilities. The camera 101 can use a CCD full-color infrared high-definition lens, supporting the conversion of optical images into digital signals, and its built-in IR-CUT dual filter can support clear image capture day and night. It can also be equipped with a microphone to collect on-site sound. Here, the aforementioned camera is also the aforementioned image acquisition device, and the aforementioned microphone is also the aforementioned voice acquisition device. In addition, the target acquisition device may also include an LED spotlight 109 mounted on the camera 101. The LED spotlight 109 is a round hole-shaped spotlight that can emit red and white light sources when capturing and recognizing the QR code for payment, and provide supplementary lighting and prompts for recognition.

[0082] Furthermore, such as Figure 4As shown, the front of the main unit base 104 can be equipped with a display screen 103, while the back can house a power cord 106, a loudspeaker 107, and a solar photovoltaic panel 108. The display screen 103 can be a touch-sensitive LCD screen to display relevant images (such as function menus, camera feeds, and order QR codes). The power cord 106 connects to the main unit via a Type-C interface, with the other end plugged into a 220V household power outlet to power the device. The target acquisition device can also connect to a computer via a Type-C data cable to view data transmitted from the device. A long press of the power switch 105 turns the device on and off, while a short press activates functions such as taking photos. The solar photovoltaic panel 108 collects solar energy to supplement the power supply to the target acquisition device. The aforementioned display screen serves as the graphical user interface.

[0083] Furthermore, the processing units within the target acquisition device will be described. For example... Figure 5 As shown, the target acquisition device may include a central processing unit 201, a communication unit 202, a storage unit 203, a payment unit 204, a GPS positioning unit 205, a power supply unit 206, and a voice processing unit 207. The central processing unit 201 is connected to the display screen, communication unit 202, storage unit 203, payment unit 204, GPS positioning unit 205, power supply unit 206, voice processing unit 207, camera, microphone, etc., to control the functions of the aforementioned modules and receive and process information. The central processing unit 201 may be equipped with an Ivy Bridge microprocessor and a UWB chip. The aforementioned camera 101 can be used to collect information on the operating status of the target enterprise and the object information of the target object, and feed this information back to the account opening system through the central processing unit 201 for processing or verification. Optionally, the central processing unit 201 can also directly compare the facial information of different employees of the target enterprise with the pre-stored information in the storage unit 203 to determine the permissions of each employee. Storage unit 203 can have a built-in memory card reader slot to store user information of employees in the target enterprise, such as names, facial features, iris features, etc., as well as the target enterprise's security key information, business knowledge base, customer service application system data, etc.

[0084] Optionally, the communication unit 202 can have a built-in SIM card reader, Wi-Fi wireless network, and Bluetooth transceiver, supporting 5G, wireless network, and Bluetooth communication to achieve real-time communication with the account opening system. The payment unit 204 can generate a dynamic payment QR code, which is displayed on the screen 103, allowing customers to pay by scanning the QR code. It also supports scanning the payment QR code issued by the customer. In addition, the payment unit 204 uses a central processing cluster equipped with a UWB chip, a Bluetooth protocol stack wireless transceiver RF, a baseband controller BB, and a link management layer LMP to realize a "seamless offline gate passage" UWB payment solution. This solution is based on a multi-chip complex radio frequency system and adopts a "eSE+COS+NFC+BLE" full-stack security solution to achieve seamless payment for users.

[0085] Optionally, the GPS positioning unit 205 is used to collect the real-time location of the target acquisition device. The power supply unit 206 includes a rechargeable lithium battery and control circuitry to provide a suitable power source for the target acquisition device. The device can be charged when connected to a power source, and it also supports solar charging via photovoltaic modules or a USB interface. The voice processing unit 207 receives voice information sent by the target object or other personnel, and after voice analysis and processing, decodes the corresponding word sequences to obtain instruction information, which is then transmitted to the central processing unit 201. Conversely, when receiving instructions from the account opening system and feeding them back to the central processing unit 201, it can convert them into voice information and transmit them to the user via a microphone to achieve interaction with the user.

[0086] Example 2

[0087] According to an embodiment of the present invention, an embodiment of an account opening device is provided, wherein, Figure 6 This is a schematic diagram of an optional account opening device according to an embodiment of the present invention, such as... Figure 6 As shown, the device includes:

[0088] The acquisition module 601 is used to acquire the account opening information of the target enterprise's application account, and to allocate target acquisition devices to the target enterprise based on the account opening information. The target acquisition devices are set up within the target enterprise's business area.

[0089] The first control module 602 is used to control the target acquisition device to collect the operating status information of the target enterprise, obtain the first status information, and determine the time range within which the target enterprise is allowed to open an account based on the first status information.

[0090] The second control module 603 is used to control the target acquisition device to collect the operating status information of the target enterprise at a first preset frequency when the current time is not within the time range, and to obtain the second status information.

[0091] The determination module 604 is used to determine the updated time range based on the second state information, and to open an account for the target enterprise based on the updated time range.

[0092] It should be noted that the above-mentioned acquisition module 601, first control module 602, second control module 603 and determination module 604 correspond to steps S301 to S304 in the above embodiments. The four modules and the corresponding steps implement the same examples and application scenarios, but are not limited to the content disclosed in the above embodiment 1.

[0093] Optionally, the acquisition module further includes: a first determination submodule, used to determine the document identifier of the target document contained in the account opening information; a second determination submodule, used to determine the target information corresponding to the document identifier from a preset storage area; and an allocation module, used to allocate a target acquisition device to the target enterprise when the target information is the same as the document information of the target document.

[0094] Optionally, the first control module further includes at least one of the following: a first control submodule, used to control the target acquisition device to collect operational data from the target equipment of the target enterprise and determine the operational data as the operating status information of the target enterprise, wherein the target equipment includes at least one of water meters, electricity meters, and payment collection devices; a second control submodule, used to control the target acquisition device to obtain the number of employees of the target enterprise and determine the number of employees as the operating status information of the target enterprise; a third control submodule, used to control the target acquisition device to collect the customer flow of the target enterprise and determine the customer flow as the operating status information of the target enterprise; and a fourth control submodule, used to control the target acquisition device to collect images of the operating environment of the target enterprise, obtain target images, and determine the target images as the operating status information of the target enterprise.

[0095] Optionally, the first control module further includes: a fifth control submodule, used to control the target acquisition device to obtain the account opening request fed back by the target object, wherein the target object and the target enterprise have a target association relationship; and a third determination submodule, used to determine the time range within which the target enterprise is allowed to open an account based on the first status information and the account opening request.

[0096] Optionally, the account opening device further includes: a collection module, used to control the target collection device to collect the target enterprise's operating status information based on a second preset frequency to obtain third status information; a fourth determination submodule, used to determine the degree of change between the third status information and the first status information to obtain the target change degree; and an update module, used to update the target enterprise's permission to execute target business based on the target change degree.

[0097] Optionally, the first control module further includes: a sixth control submodule, used to control the target acquisition device to acquire object information of the target object; an authentication module, used to authenticate the identity of the target object based on the object information; and a seventh control submodule, used to control the target acquisition device to acquire the operating status information of the target enterprise to obtain the first status information when the identity of the target object is authenticated as the target identity.

[0098] Optionally, the account opening device may also include a generation module, which is used to generate a prompt message to prompt the target company to supplement the information or to prohibit the target company from opening an account if there is a difference between the target information and the document information of the target document.

[0099] Example 3

[0100] According to another aspect of the present invention, a computer-readable storage medium is also provided, wherein a computer program is stored in the computer-readable storage medium, wherein the computer program is configured to execute the above-described account opening method when it is run.

[0101] Example 4

[0102] According to another aspect of the present invention, an electronic device is also provided, wherein, Figure 7 This is a schematic diagram of an optional electronic device according to an embodiment of the present invention, such as... Figure 7 As shown, the electronic device includes one or more processors; and a memory for storing one or more programs, wherein when the one or more programs are executed by the one or more processors, the one or more processors run the programs, wherein the programs are configured to execute the account opening method described above when running.

[0103] The sequence numbers of the above embodiments of the present invention are for descriptive purposes only and do not represent the superiority or inferiority of the embodiments.

[0104] In the above embodiments of the present invention, the descriptions of each embodiment have different focuses. For parts not described in detail in a certain embodiment, please refer to the relevant descriptions of other embodiments.

[0105] In the several embodiments provided in this application, it should be understood that the disclosed technical content can be implemented in other ways. The device embodiments described above are merely illustrative; for example, the division of units can be a logical functional division, and in actual implementation, there may be other division methods. For example, multiple units or components may be combined or integrated into another system, or some features may be ignored or not executed. Furthermore, the displayed or discussed mutual couplings, direct couplings, or communication connections may be through some interfaces; indirect couplings or communication connections between units or modules may be electrical or other forms.

[0106] The units described as separate components may or may not be physically separate. Similarly, the components shown as units may or may not be physical units; they may be located in one place or distributed across multiple units. Some or all of the units can be selected to achieve the purpose of this embodiment, depending on actual needs.

[0107] Furthermore, the functional units in the various embodiments of the present invention can be integrated into one processing unit, or each unit can exist physically separately, or two or more units can be integrated into one unit. The integrated unit can be implemented in hardware or as a software functional unit.

[0108] If the integrated unit is implemented as a software functional unit and sold or used as an independent product, it can be stored in a computer-readable storage medium. Based on this understanding, the technical solution of the present invention, in essence, or the part that contributes to the prior art, or all or part of the technical solution, can be embodied in the form of a software product. This computer software product is stored in a storage medium and includes several instructions to cause a computer device (which may be a personal computer, server, or network device, etc.) to execute all or part of the steps of the methods of the various embodiments of the present invention. The aforementioned storage medium includes various media capable of storing program code, such as USB flash drives, read-only memory (ROM), random access memory (RAM), portable hard drives, magnetic disks, or optical disks.

[0109] The above are merely preferred embodiments of the present invention. It should be noted that those skilled in the art can make various improvements and modifications without departing from the principle of the present invention, and these improvements and modifications should also be considered within the scope of protection of the present invention.

Claims

1. A method for opening an account, characterized in that, include: Obtain the account opening information of the target company's application account, and allocate target collection devices to the target company based on the account opening information, wherein the target collection devices are set up within the target company's operating area; The target acquisition device is controlled to collect the operating status information of the target enterprise to obtain first status information, and the time range within which the target enterprise is allowed to open an account is determined based on the first status information; When the current time is not within the specified time range, the target acquisition device is controlled to collect the operating status information of the target enterprise at a first preset frequency to obtain the second status information. If the updated time range is determined based on the second status information, the updated time range is determined, and an account is opened for the target enterprise based on the updated time range; Wherein, when the degree of change between the second state information and the first state information meets the second preset condition, it is determined that the time range needs to be updated. Wherein, the second preset condition is that the number of employees of the target enterprise has decreased by a first target proportion, or the customer flow has decreased by a second target proportion. After determining the time range that needs to be updated, the updated time range is determined based on the degree of change between the second state information and the first state information.

2. The method according to claim 1, characterized in that, Based on the account opening information, target data collection devices are allocated to the target enterprise, including: Determine the document identifier of the target document contained in the account opening information; Determine the target information corresponding to the document identifier from the preset storage area; If the target information is the same as the document information of the target document, the target data collection device is assigned to the target enterprise.

3. The method according to claim 1, characterized in that, The target acquisition device is controlled to collect operational status information of the target enterprise, including at least one of the following: The target data acquisition device is controlled to collect operational data from the target equipment of the target enterprise, and the operational data is determined as the operating status information of the target enterprise, wherein the target equipment includes at least one of water meter, electricity meter, and payment collection device; The target acquisition device is controlled to acquire the number of employees of the target enterprise, and the number of employees is determined as the operating status information of the target enterprise. The target acquisition device is controlled to collect the customer flow of the target enterprise, and the customer flow is determined as the operating status information of the target enterprise. The target acquisition device is controlled to acquire images of the target enterprise's operating environment, obtain target images, and identify the target images as the operating status information of the target enterprise.

4. The method according to claim 1, characterized in that, Determining the permitted time range for the target enterprise to open an account based on the first status information includes: The target acquisition device is controlled to obtain the account opening request fed back by the target object, wherein the target object and the target enterprise have a target association relationship; Based on the first status information and the account opening request, a time range within which the target enterprise is allowed to open an account is determined.

5. The method according to claim 1, characterized in that, After opening an account for the target enterprise based on the updated time range, the method further includes: The target acquisition device is controlled to collect the operating status information of the target enterprise based on a second preset frequency to obtain third status information; Determine the degree of change between the third state information and the first state information to obtain the target change degree; The authority of the target enterprise to execute target business is updated based on the degree of change in the target.

6. The method according to claim 1, characterized in that, The target acquisition device is controlled to collect the operating status information of the target enterprise to obtain first status information, including: The target acquisition device is controlled to acquire object information of the target object; The identity of the target object is authenticated based on the object information; If the identity of the target object is verified as the target identity, the target acquisition device is controlled to collect the operating status information of the target enterprise to obtain the first status information.

7. The method according to claim 2, characterized in that, After determining the target information corresponding to the document identifier from a preset storage area, the method further includes: If the target information differs from the document information of the target document, a prompt message is generated to prompt the target company to supplement the information, or the target company is prohibited from opening an account.

8. An account opening device, characterized in that, include: The acquisition module is used to acquire the account opening information of the target enterprise's application account, and to allocate a target acquisition device to the target enterprise according to the account opening information, wherein the target acquisition device is set within the operating area of ​​the target enterprise; The first control module is used to control the target acquisition device to collect the operating status information of the target enterprise, obtain the first status information, and determine the time range within which the target enterprise is allowed to open an account based on the first status information. The second control module is used to control the target acquisition device to acquire the operating status information of the target enterprise at a first preset frequency when the current time is not within the time range, so as to obtain the second status information. The determining module is used to determine the updated time range when the updated time range is determined based on the second status information, and to open an account for the target enterprise based on the updated time range; Wherein, when the degree of change between the second state information and the first state information meets the second preset condition, it is determined that the time range needs to be updated. Wherein, the second preset condition is that the number of employees of the target enterprise has decreased by a first target proportion, or the customer flow has decreased by a second target proportion. After determining the time range that needs to be updated, the updated time range is determined based on the degree of change between the second state information and the first state information.

9. A computer-readable storage medium, characterized in that, The computer-readable storage medium stores a computer program, wherein the computer program is configured to execute the account opening method according to any one of claims 1 to 7 when it is run.

10. An electronic device, characterized in that, The electronic device includes one or more processors; A memory for storing one or more programs, which, when executed by one or more processors, run the programs, wherein the programs are configured to execute the account opening method as described in any one of claims 1 to 7.

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