An account association processing method and apparatus

Abstract

The application discloses an account association processing method and device, and relates to the technical field of data processing. A specific embodiment of the method comprises the following steps: in response to the fact that a newly opened account does not currently sign a bill self-service contract, obtaining identity information corresponding to the newly opened account; calling a third-party real-name service to perform real-name verification on the identity information, and in the case of verification success, in response to the fact that there is an account corresponding to the identity information and having signed a bill self-service contract, querying the contract number of the bill self-service contract signed by the account having signed the bill self-service contract; in response to the fact that the number of contract numbers in a valid contract state is one, obtaining contract signing information corresponding to the valid contract number; and in the case that the automatic association parameter is set to yes, if the opening time of the newly opened account is greater than the signing time, performing association processing on the newly opened account and the valid bill self-service contract. The embodiment can realize automatic association of a newly opened account and a bill self-service contract, and reduce the consumption of manpower.

Description

Technical Field

[0001] This invention relates to the field of data processing technology, and in particular to an account association processing method and apparatus. Background Technology

[0002] Corporate clients refer to self-employed individuals, private enterprises, state-owned enterprises, government agencies, schools, etc., who open corporate accounts with banks. New corporate accounts need to be linked to an existing self-service billing agreement, but currently, this agreement only supports manual account addition after signing. This model relies on manpower, involves complex procedures, cannot automatically add accounts with a single click, is time-consuming and labor-intensive, and provides a poor user experience. Therefore, technical upgrades and business optimizations are needed to resolve these issues. Summary of the Invention

[0003] In view of this, embodiments of the present invention provide an account association processing method and apparatus, which can at least solve the problem in the prior art that newly opened accounts cannot be automatically associated with self-service billing contracts.

[0004] To achieve the above objectives, according to one aspect of the present invention, an account association processing method is provided, comprising:

[0005] Identify the new account to be processed, and in response to the fact that the new account has not currently signed a self-service billing contract, obtain the identity information of the customer corresponding to the new account;

[0006] The system calls a third-party real-name service to verify the identity information. If the verification is successful, it queries the contract number of the self-service billing contract signed by the account that has a signed self-service billing contract corresponding to the identity information.

[0007] Obtain the current contract status corresponding to the contract number. Since there is only one valid contract number in the current contract status, obtain the contract signing information corresponding to the valid contract number. The contract signing information includes automatic association parameters and signing time.

[0008] When the automatic association parameter is set to "yes", in response to the new account opening time being greater than the contract signing time, the new account and the valid bill self-service contract are associated.

[0009] Optionally, before determining the new accounts to be processed, the process further includes:

[0010] Receive new account information pushed by product service components from various account opening institutions, perform data cleaning and formatting on the received new account information, and integrate the processed new account information into the account master file table;

[0011] In response to the preset execution time of the automatic task, query the set of newly opened accounts whose account attributes meet the automatic association parameters but do not meet the account no-sign-up parameters.

[0012] Optionally, the method further includes:

[0013] In response to the existence of multiple valid contract numbers or only one contract number and the current contract status being invalid, the process of associating the new account and the billing self-service contract ends.

[0014] Optionally, the contract signing information also includes the service scope, and the association processing between the newly opened account and the valid billing self-service contract includes:

[0015] In response to the fact that the account opening institution number of the newly opened account is within the service scope, the newly opened account and the valid bill self-service contract are associated.

[0016] Optionally, after linking the newly opened account and the valid self-service billing contract, at least one of the following is also included:

[0017] Obtain card information from a valid self-service billing contract and associate the newly opened account with the card information; wherein, the card information is a self-service billing card or a corporate settlement card;

[0018] Obtain the fee information selected by the customer when signing the valid billing self-service contract, associate the newly opened account with the fee information, and perform a fee collection operation on the newly opened account based on the fee information.

[0019] Optionally, after associating the newly opened account with the valid self-service billing contract, the process further includes:

[0020] In response to the successful association result, the successful association result is sent to the customer through the communication information in the contract signing information.

[0021] Optionally, the method further includes:

[0022] Receive a request for association result query, and query the set of newly opened accounts corresponding to the association result based on the account opening institution number and account opening date in the request for association result query;

[0023] In response to a successful association result, generate and return a list of successfully associated accounts based on the retrieved set of newly opened accounts; and / or

[0024] In response to a failed association result, a list of failed association accounts is generated and returned based on the set of newly opened accounts retrieved.

[0025] To achieve the above objectives, according to another aspect of the present invention, an account association processing apparatus is provided, comprising:

[0026] The determination module is used for newly opened accounts to be processed. In response to the fact that the newly opened account has not currently signed a self-service billing contract, it obtains the identity information of the customer corresponding to the newly opened account.

[0027] The verification module is used to call a third-party real-name service to verify the identity information. If the verification is successful, in response to the existence of an account with a signed bill self-service contract corresponding to the identity information, the module queries the contract number of the signed bill self-service contract of the signed account.

[0028] The acquisition module is used to acquire the current contract status corresponding to the contract number. In response to the fact that there is only one valid contract number in the current contract status, the module acquires the contract signing information corresponding to the valid contract number. The contract signing information includes automatic association parameters and signing time.

[0029] The association module is used to associate the newly opened account with the valid bill self-service contract when the automatic association parameter is set to yes, in response to the account opening time of the newly opened account being greater than the contract signing time.

[0030] Optionally, an account processing module is also included, for:

[0031] Receive new account information pushed by product service components from various account opening institutions, perform data cleaning and formatting on the received new account information, and integrate the processed new account information into the account master file table;

[0032] In response to the preset execution time of the automatic task, query the set of newly opened accounts whose account attributes meet the automatic association parameters but do not meet the account no-sign-up parameters.

[0033] Optionally, the acquisition module is further configured to:

[0034] In response to the existence of multiple valid contract numbers or only one contract number and the current contract status being invalid, the process of associating the new account and the billing self-service contract ends.

[0035] Optionally, the contract signing information also includes the service scope, and the association module is used for:

[0036] In response to the fact that the account opening institution number of the newly opened account is within the service scope, the newly opened account and the valid bill self-service contract are associated.

[0037] Optionally, a card association module is also included, used for:

[0038] Obtain card information from a valid self-service billing contract and associate the newly opened account with the card information; wherein the card information is a self-service billing card or a corporate settlement card; and / or

[0039] Obtain the fee information selected by the customer when signing the valid billing self-service contract, associate the newly opened account with the fee information, and perform a fee collection operation on the newly opened account based on the fee information.

[0040] Optionally, a notification module is also included for:

[0041] In response to the successful association result, the successful association result is sent to the customer through the communication information in the contract signing information.

[0042] Optionally, a request manifest module is also included for:

[0043] Receive a request for association result query, and query the set of newly opened accounts corresponding to the association result based on the account opening institution number and account opening date in the request for association result query;

[0044] In response to a successful association result, generate and return a list of successfully associated accounts based on the retrieved set of newly opened accounts; and / or

[0045] In response to a failed association result, a list of failed association accounts is generated and returned based on the set of newly opened accounts retrieved.

[0046] To achieve the above objectives, according to another aspect of the present invention, an electronic device for account association processing is provided.

[0047] The electronic device of this invention includes: one or more processors; and a storage device for storing one or more programs, which, when executed by the one or more processors, cause the one or more processors to implement any of the account association processing methods described above.

[0048] To achieve the above objectives, according to another aspect of the present invention, a computer-readable medium is provided having a computer program stored thereon, which, when executed by a processor, implements any of the account association processing methods described above.

[0049] To achieve the above objectives, according to another aspect of the present invention, a computing program product is provided. One such computing program product includes a computer program that, when executed by a processor, implements the account association processing method provided in the present invention.

[0050] According to the solution provided by the present invention, one embodiment of the invention has the following advantages or beneficial effects: It sets up automatic tasks to automatically associate newly opened accounts with self-service billing contracts at the end of the day, reducing the workload of branch staff and providing parameter configuration services to meet the personalized needs of each branch. This process does not require customer participation, optimizing the customer's application for association at the counter and shortening the business processing time. In addition to proactively notifying customers of the association results, it also provides a complete query function, allowing branches or customers to apply to view the list of association results, thereby providing a more intelligent and convenient business model.

[0051] The further effects of the aforementioned unconventional alternative methods will be explained below in conjunction with specific implementation methods. Attached Figure Description

[0052] The accompanying drawings are provided to better understand the invention and are not intended to unduly limit the scope of the invention. Wherein:

[0053] Figure 1 This is a schematic diagram of the main flow of an account association processing method according to an embodiment of the present invention;

[0054] Figure 2 This is a flowchart illustrating a specific account association processing method according to an embodiment of the present invention;

[0055] Figure 3 This is a flowchart illustrating an optional account association processing method according to an embodiment of the present invention;

[0056] Figure 4 This is a flowchart illustrating another optional account association processing method according to an embodiment of the present invention;

[0057] Figure 5 This is a schematic diagram of the main modules of an account association processing device according to an embodiment of the present invention;

[0058] Figure 6 This is an exemplary system architecture diagram in which embodiments of the present invention can be applied;

[0059] Figure 7 This is a schematic diagram of the structure of a computer system suitable for implementing the embodiments of the present invention, such as a mobile device or server. Detailed Implementation

[0060] The following description, in conjunction with the accompanying drawings, illustrates exemplary embodiments of the present invention, including various details to aid understanding. These details should be considered merely exemplary. Therefore, those skilled in the art will recognize that various changes and modifications can be made to the embodiments described herein without departing from the scope and spirit of the invention. Similarly, for clarity and brevity, descriptions of well-known functions and structures are omitted in the following description.

[0061] It should be noted that, unless otherwise specified, the embodiments and features described in the present invention can be combined with each other. The acquisition, storage, use, and processing of data (such as user personal information) in the technical solutions of this application comply with relevant national laws and regulations and do not violate public order and good morals.

[0062] See Figure 1 The diagram shows the main flowchart of an account association processing method provided by an embodiment of the present invention, which includes the following steps:

[0063] S101: Determine the new account to be processed, and in response to the fact that the new account has not currently signed a self-service billing contract, obtain the identity information of the customer corresponding to the new account;

[0064] S102: Call a third-party real-name service to verify the identity information. If the verification is successful, in response to the existence of an account with a signed bill self-service contract corresponding to the identity information, query the contract number of the signed bill self-service contract of the signed account.

[0065] S103: Obtain the current contract status corresponding to the contract number. In response to the fact that there is only one valid contract number in the current contract status, obtain the contract signing information corresponding to the valid contract number. The contract signing information includes automatic association parameters and signing time.

[0066] S104: When the automatic association parameter is set to yes, in response to the account opening time of the newly opened account being greater than the contract signing time, the newly opened account and the valid bill self-service contract are associated.

[0067] In the above implementation, for steps S101 to S103, this solution is only applied to the scenario of automatic account association for corporate clients. Here, account refers to the deposit account, loan account, and current account opened by the client at the bank.

[0068] Self-service billing provides corporate finance personnel with services such as self-service bill inquiry and printing, self-service reprinting of bills, self-service reconciliation, payment password verification, and settlement card transfers, all using a self-service billing card or corporate settlement card. These services are account-specific, and therefore commonly required for newly opened accounts. Contract: Before using the product, customers need to sign a contract to define how they use it, including the effective date, contract name, and payment method. This contract information uniquely identifies the customer's specific usage. In practice, the self-service billing contract only needs to be signed once between the customer and the bank. Multiple accounts can be linked to this contract, so new accounts need to be linked to an existing self-service billing contract, but currently this relies on manual linking by branch staff.

[0069] The process for determining the new account opening details will be provided later. Figure 3 The description shown here focuses on how to automatically link newly opened accounts with the self-service billing contract. For the overall logic, please refer to [link to relevant documentation]. Figure 2 As shown, taking customer X opening a new bank account Y as an example:

[0070] 1. Verify whether the newly opened account Y has signed a self-service billing agreement. If it has, the automatic business logic will not be executed. This solution is based on the automatic task being launched at a fixed time every day, and the automatic task is completed at the end of the day. It is possible that the customer signed an agreement for account Y at the same time as opening account Y. Therefore, if account Y has signed a self-service billing agreement, there is no need to continue the subsequent process to reduce the processing volume.

[0071] 2. If account Y has not signed a self-service billing contract, obtain the identity information of customer X corresponding to account Y to determine whether there is an account under customer X that has signed a self-service billing contract. If not, it means that customer X has not signed a self-service billing contract with the bank, and account Y does not have an automatically associated object. In this case, there is no need to continue the subsequent process.

[0072] After obtaining identity information, such as the customer's real name, ID card number, and facial video, the process also includes real-name verification of this identity information. In this embodiment, a third-party real-name service can be invoked to verify the obtained identity information. If the third-party real-name service finds the identity information, it determines that the verification has passed; otherwise, the verification has failed. The third-party real-name service stores a collection of registered biometric features, such as facial videos, containing the facial images of each user who has registered with their real name. In this embodiment, the identity information input by the customer can include multiple types of identity information. The third-party real-name service verifies all input identity information and returns all query results. It is understood that only after all identity information has passed real-name verification is the customer's identity information considered verified.

[0073] 3. If there is an account under customer X that has signed a self-service billing contract, assuming that account is Z, obtain the contract number of the self-service billing contract signed by account Z:

[0074] A: Customer X may have signed up for multiple self-service billing contracts, resulting in multiple signed accounts. Since this solution is performed at the end of the day and automatically links accounts, the entire process requires no manual intervention. Therefore, it's uncertain which specific self-service billing contract Customer X needs to link account Y to. Simply end the linking process between account Y and the self-service billing contract. Customer X can later review the list of failed linking accounts and attempt to link accounts again, such as manually specifying a particular self-service billing contract and applying for linking.

[0075] b: When there is only one contract number, the self-service billing contract may become invalid, so it is necessary to monitor the contract status. When customer X signs the contract with the bank, only an effective date is set, not an expiration date. The contract will only become invalid if the customer applies for cancellation / cancellation. The contract has a status field, which is set to invalid in the event of contract invalidation, ending the automatic association process between account Y and the contract.

[0076] Furthermore, although customer X has signed up for multiple self-service billing contracts, some of these contracts may have expired. Therefore, it is necessary to determine whether there is only one valid self-service billing contract. Only if there is only one valid self-service billing contract or valid contract number can the subsequent process continue.

[0077] 4. If there is only one contract number and the contract is valid, automatically associate parameters with the valid bill self-service contract based on the contract number.

[0078] 5. If customer X has set the automatic association parameter for the contract to "yes", determine whether the account opening time of account Y is greater than the signing time of customer X's self-service billing contract. This requires that the contract be signed before the account opening; that is, accounts opened before the contract was signed cannot be automatically associated.

[0079] 6. If the account opening time of account Y is greater than the signing time of customer X's self-service billing contract, determine whether the account opening institution number of account Y is within the service scope of the contract.

[0080] 7. If the account opening institution number is within the service scope of the contract, account Y will be automatically linked to the self-service billing contract.

[0081] The method provided in the above embodiments sets up an automatic task to automatically associate the newly opened account with the bill self-service contract when the execution time of the automatic task is reached. This process does not require manual intervention and reduces manpower consumption.

[0082] See Figure 3 The diagram shows the main flowchart of an optional account association processing method provided by an embodiment of the present invention, which includes the following steps:

[0083] S301: Receive new account opening information pushed by the product service components of various account opening institutions, perform data cleaning and formatting on the received new account opening information, and integrate the processed new account opening information into the account master file table;

[0084] S302: In response to the preset execution time of the automatic task, query the set of newly opened accounts whose account attributes meet the automatic association parameters but do not meet the account no-sign-up parameters;

[0085] S303: For each newly opened account in the set of newly opened accounts, in response to the fact that the newly opened account has not currently signed a self-service billing contract, obtain the identity information of the customer corresponding to the newly opened account;

[0086] S304: Call a third-party real-name service to verify the identity information. If the verification is successful, in response to the existence of an account with a signed bill self-service contract corresponding to the identity information, query the contract number of the signed bill self-service contract of the signed account.

[0087] S305: Obtain the current contract status corresponding to the contract number. In response to the fact that there is only one valid contract number in the current contract status, obtain the contract signing information corresponding to the valid contract number. The contract signing information includes automatic association parameters and signing time.

[0088] S306: When the automatic association parameter is set to yes, in response to the account opening time of the newly opened account being greater than the contract signing time, the newly opened account and the valid bill self-service contract are associated.

[0089] In the above embodiments, steps S303 to S306 can be found in [reference needed]. Figure 1 and Figure 2 The description shown is not repeated here.

[0090] For steps S301 to S302, this solution sets up automatic tasks for automatic account association. Automatic tasks are tasks that are automatically invoked at a specified time or within a date range, at a specified frequency and period. Their scheduling and execution require no manual intervention. They are mainly divided into two categories based on their source: one is tasks scheduled based on the trading environment during online transactions, and the other is tasks directly embedded in the database when a project goes live. This solution preferably adopts the second method, by pre-defining tasks directly embedded in the database when a project goes live, which are automatically invoked at a fixed time each day. The business logic of these automatic tasks implements the automatic association between newly opened accounts and self-service billing contracts.

[0091] Automated tasks rely on newly opened account information. New accounts can be opened at the account opening institution (such as a branch or sub-branch). Each institution has its own product service components, so the information for each new account originates from those components, including current accounts, time deposit accounts, loan accounts, etc. This information exists in different physical databases and has different formats. At the end of each day, each product service component pushes the new account information to the data integration (source area). Therefore, the information is typically cleaned and formatted uniformly at the end of the day and finally integrated into the account master table to ensure its standardization. Only after this processing can automated tasks be performed.

[0092] For example, newly opened account information is a long string containing various account attributes. From this, we can extract the account opening institution's number, account opening date, account opening time, etc. Unnecessary information associated with related accounts can be removed. For instance, different account opening institutions may use different formats when opening accounts; some may have as many attributes as 50 fields, while others may have only 30. We can standardize the fields in the newly opened account information uploaded by different institutions, such as standardizing the format of the key fields extracted above.

[0093] Customers can dynamically configure parameters to complete the automatic account linking process according to their own needs. Parameters include multi-dimensional data such as account opening institution, account type, and service scope, enabling this solution to provide convenient services while meeting customers' personalized requirements. This solution sets automatic linking parameters and account-without-signature parameters for each account opening institution: Automatic linking parameters include account type, account nature, deposit type, loan type, whether automatic linking is required, and account opening institution number, used for personalized configuration of each account opening institution's automatic account linking requirements; Account-without-signature parameters include account type, account nature, deposit type, loan type, whether a contract is required, and account opening institution number, used for personalized configuration of each account opening institution's requirements for account-without-signature requirements.

[0094] Among them, 1) Account Types: Current, Time, Loan. 2) Account Nature: This distinguishes the nature of domestic and foreign currency accounts under deposit contracts, including basic accounts, general accounts, special accounts, temporary accounts, and personal settlement accounts, etc. 3) Deposit Types: Corporate current deposits, institutional current deposits, interbank current deposits, mortgage current deposits, etc. 4) Loan Types: Working capital loans, fixed asset loans, etc. 5) Opening Institution Code: The code of the branch or sub-branch; different branches or sub-branches have different codes, such as AAA, BBB.

[0095] The self-service billing system is account-based. The "account does not require signing" parameter records which accounts under which account opening institution do not require signing. Accounts that meet the conditions cannot be automatically linked. In response to the automatic task execution time point (usually the day the automatic task is executed), the system retrieves a set of newly opened accounts from the aforementioned account master table that meet the automatic linking parameters but do not meet the "account does not require signing" parameter.

[0096] Further consideration could be given to the account opening institution and date. For example, finding a new account opened on August 24, 2022, at account opening institution number AAA, and that account needs to be automatically linked to the self-service billing agreement. Subsequent operations would need to be performed on a per-account basis, thus requiring iteration through each new account in the set of new accounts.

[0097] The method provided in the above embodiments allows each account opening institution's product service components to push newly opened account information to the data integration area at the end of the day for unified cleaning and formatting, in order to ensure the standardization of newly opened account information, which is then integrated into the account master file for use.

[0098] See Figure 4 The diagram illustrates another optional account association processing method according to an embodiment of the present invention, including the following steps:

[0099] S401: Determine the new account to be processed, and in response to the fact that the new account has not currently signed a self-service billing contract, obtain the identity information of the customer corresponding to the new account;

[0100] S402: Call a third-party real-name service to verify the identity information. If the verification is successful, in response to the existence of an account with a signed bill self-service contract corresponding to the identity information, query the contract number of the signed bill self-service contract of the signed account.

[0101] S403: Obtain the current contract status corresponding to the contract number. In response to the fact that there is only one valid contract number in the current contract status, obtain the contract signing information corresponding to the valid contract number. The contract signing information includes automatic association parameters and signing time.

[0102] S404: When the automatic association parameter is set to yes, in response to the account opening time of the newly opened account being greater than the contract signing time, the newly opened account and the valid bill self-service contract are associated.

[0103] S405: Obtain card information from a valid self-service billing contract and associate the newly opened account with the card information; wherein, the card information is a self-service billing card or a corporate settlement card;

[0104] S406: Obtain the charging information selected by the customer when signing the valid bill self-service contract, associate the newly opened account with the charging information, and perform charging operations on the newly opened account based on the charging information;

[0105] S407: In response to the association success result, the association success result is sent to the customer through the communication information in the contract signing information.

[0106] In the above embodiments, steps S401 to S404 can be found in [reference needed]. Figure 1 and Figure 2 The description shown is not repeated here.

[0107] For step S405, the bill self-service uses a bill self-service card or corporate settlement card as the medium. Customers need to use these cards to perform a series of services such as self-service bill inquiry and printing, self-service bill reprinting, self-service account reconciliation, payment password verification, and settlement card transfer at the bill counter and STM machine (which can provide a variety of services including self-service account opening, credit cards, loans, and wealth management). Therefore, after a newly opened account is associated with the bill self-service contract, it also needs to be automatically associated with the card in the bill self-service contract in order to use these services.

[0108] For step S406, the billing self-service contract's fee information includes self-service equipment usage fees, corporate self-service counter receipt processing fees, etc., all of which are charged on an account-by-account basis, such as how much a fee is charged per account per year. When customers sign the billing self-service contract, they need to set which fee information to select, thus requiring the new account to be automatically associated with the fee information, and subsequent billing operations for the new account will be based on this fee information.

[0109] For step S407, when customers sign the bill self-service contract, they will leave their contact information, such as mobile phone number and email address. After the aforementioned account is successfully linked with the bill self-service contract, the card information in the account and the bill self-service contract, and the billing information of the newly opened account and the bill self-service contract, the successful linking result will be sent to the customer through this contact information, such as by sending an SMS notification.

[0110] In addition, this solution also provides the functions of querying the list of successfully linked accounts and the list of failed linked accounts. Branches or customers can query at least one of the following lists based on the account opening institution number and the account opening date: the list of successfully linked accounts and the list of failed linked accounts.

[0111] The method provided in the above embodiments can automatically associate the card information and billing information in the self-service billing contract with the newly opened account after associating the newly opened account with the self-service billing contract. This operation further reduces the customer's application process for association at the counter and improves the customer experience.

[0112] See Figure 5 The diagram shows the main modules of an account association processing device 500 provided in an embodiment of the present invention, including:

[0113] The determination module 501 is used to determine the new account to be processed, and in response to the fact that the new account has not currently signed a self-service billing contract, obtains the identity information of the customer corresponding to the new account;

[0114] The verification module 502 is used to call a third-party real-name service to verify the identity information. If the verification is successful, in response to the existence of an account with a signed bill self-service contract corresponding to the identity information, the module queries the contract number of the signed bill self-service contract of the signed account.

[0115] The acquisition module 503 is used to acquire the current contract status corresponding to the contract number. In response to the fact that there is only one valid contract number in the current contract status, the module acquires the contract signing information corresponding to the valid contract number. The contract signing information includes automatic association parameters and signing time.

[0116] The association module 504 is used to associate the newly opened account with the valid bill self-service contract when the automatic association parameter is set to yes, in response to the account opening time of the newly opened account being greater than the contract signing time.

[0117] The apparatus of this invention further includes an account processing module, used for:

[0118] Receive new account information pushed by product service components from various account opening institutions, perform data cleaning and formatting on the received new account information, and integrate the processed new account information into the account master file table;

[0119] In response to the preset execution time of the automatic task, query the set of newly opened accounts whose account attributes meet the automatic association parameters but do not meet the account no-sign-up parameters.

[0120] In the apparatus of this invention, the acquisition module 503 is further configured to:

[0121] In response to the existence of multiple valid contract numbers or only one contract number and the current contract status being invalid, the process of associating the new account and the billing self-service contract ends.

[0122] The present invention implements an apparatus in which the contract signing information further includes a service scope, and the association module 504 is used for:

[0123] In response to the fact that the account opening institution number of the newly opened account is within the service scope, the newly opened account and the valid bill self-service contract are associated.

[0124] The device for implementing this invention also includes a card association module, used for:

[0125] Obtain card information from a valid self-service billing contract and associate the newly opened account with the card information; wherein the card information is a self-service billing card or a corporate settlement card; and / or

[0126] Obtain the fee information selected by the customer when signing the valid billing self-service contract, associate the newly opened account with the fee information, and perform a fee collection operation on the newly opened account based on the fee information.

[0127] The apparatus of the present invention further includes a notification module, used for:

[0128] In response to the successful association result, the successful association result is sent to the customer through the communication information in the contract signing information.

[0129] The apparatus for implementing this invention further includes a request list module, used for:

[0130] Receive a request for association result query, and query the set of newly opened accounts corresponding to the association result based on the account opening institution number and account opening date in the request for association result query;

[0131] In response to a successful association result, generate and return a list of successfully associated accounts based on the retrieved set of newly opened accounts; and / or

[0132] In response to a failed association result, a list of failed association accounts is generated and returned based on the set of newly opened accounts retrieved.

[0133] Furthermore, the specific implementation details of the device described in the embodiments of the present invention have been described in detail in the above-described method, so the details will not be repeated here.

[0134] Figure 6 An exemplary system architecture 600 to which embodiments of the present invention can be applied is shown, including terminal devices 601, 602, 603, network 604, and server 605 (only an example).

[0135] Terminal devices 601, 602, and 603 can be various electronic devices with displays and support for web browsing, and have various communication client applications installed. Users can use terminal devices 601, 602, and 603 to interact with server 605 through network 604 to receive or send messages, etc.

[0136] Network 604 is a medium used to provide a communication link between terminal devices 601, 602, 603 and server 605. Network 604 may include various connection types, such as wired or wireless communication links or fiber optic cables, etc.

[0137] Server 605 can be a server that provides various services. It should be noted that the methods provided in the embodiments of the present invention are generally executed by server 605, and correspondingly, the devices are generally set in server 605.

[0138] It should be understood that Figure 6 The number of terminal devices, networks, and servers shown is merely illustrative. Depending on implementation needs, any number of terminal devices, networks, and servers can be included.

[0139] The following is for reference. Figure 7 It shows a schematic diagram of the structure of a computer system 700 suitable for implementing a terminal device of the present invention. Figure 7 The terminal device shown is merely an example and should not impose any limitations on the functionality and scope of use of the embodiments of the present invention.

[0140] like Figure 7As shown, the computer system 700 includes a central processing unit (CPU) 701, which can perform various appropriate actions and processes based on programs stored in read-only memory (ROM) 702 or programs loaded from storage section 708 into random access memory (RAM) 703. The RAM 703 also stores various programs and data required for the operation of the system 700. The CPU 701, ROM 702, and RAM 703 are interconnected via a bus 704. An input / output (I / O) interface 705 is also connected to the bus 704.

[0141] The following components are connected to the I / O interface 705: an input section 706 including a keyboard, mouse, etc.; an output section 707 including a cathode ray tube (CRT), liquid crystal display (LCD), etc., and speakers, etc.; a storage section 708 including a hard disk, etc.; and a communication section 709 including a network interface card such as a LAN card, modem, etc. The communication section 709 performs communication processing via a network such as the Internet. A drive 710 is also connected to the I / O interface 705 as needed. A removable medium 711, such as a disk, optical disk, magneto-optical disk, semiconductor memory, etc., is installed on the drive 710 as needed so that computer programs read from it can be installed into the storage section 708 as needed.

[0142] In particular, according to the embodiments disclosed in this invention, the processes described above with reference to the flowcharts can be implemented as computer software programs. For example, embodiments disclosed in this invention include a computer program product comprising a computer program carried on a computer-readable medium, the computer program containing program code for performing the methods shown in the flowcharts. In such embodiments, the computer program can be downloaded and installed from a network via communication section 709, and / or installed from removable medium 711. When the computer program is executed by central processing unit (CPU) 701, it performs the functions defined above in the system of this invention.

[0143] It should be noted that the computer-readable medium shown in this invention can be a computer-readable signal medium or a computer-readable storage medium, or any combination thereof. A computer-readable storage medium can be, for example,—but not limited to—an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination thereof. More specific examples of a computer-readable storage medium may include, but are not limited to: an electrical connection having one or more wires, a portable computer disk, a hard disk, random access memory (RAM), read-only memory (ROM), erasable programmable read-only memory (EPROM or flash memory), optical fiber, portable compact disk read-only memory (CD-ROM), optical storage device, magnetic storage device, or any suitable combination thereof. In this invention, a computer-readable storage medium can be any tangible medium containing or storing a program that can be used by or in conjunction with an instruction execution system, apparatus, or device. In this invention, a computer-readable signal medium can include a data signal propagated in baseband or as part of a carrier wave, carrying computer-readable program code. Such propagated data signals can take various forms, including but not limited to electromagnetic signals, optical signals, or any suitable combination thereof. Computer-readable signal media can also be any computer-readable medium other than computer-readable storage media, which can send, propagate, or transmit a program for use by or in connection with an instruction execution system, apparatus, or device. The program code contained on the computer-readable medium can be transmitted using any suitable medium, including but not limited to: wireless, wire, optical fiber, RF, etc., or any suitable combination thereof.

[0144] The flowcharts and block diagrams in the accompanying drawings illustrate the architecture, functionality, and operation of possible implementations of systems, methods, and computer program products according to various embodiments of the present invention. In this regard, each block in a flowchart or block diagram may represent a module, segment, or portion of code containing one or more executable instructions for implementing a specified logical function. It should also be noted that in some alternative implementations, the functions indicated in the blocks may occur in a different order than those indicated in the drawings. For example, two consecutively indicated blocks may actually be executed substantially in parallel, and they may sometimes be executed in reverse order, depending on the functions involved. It should also be noted that each block in a block diagram or flowchart, and combinations of blocks in a block diagram or flowchart, may be implemented using a dedicated hardware-based system that performs the specified function or operation, or using a combination of dedicated hardware and computer instructions.

[0145] The modules described in the embodiments of the present invention can be implemented in software or hardware. The described modules can also be housed in a processor; for example, a processor may be described as including a determining module, a verifying module, an acquiring module, and an associating module. The names of these modules do not necessarily limit the module itself; for example, the associating module may also be described as a "contract associating module."

[0146] In another aspect, the present invention also provides a computer-readable medium, which may be included in the device described in the above embodiments; or it may exist independently and not assembled into the device. The computer-readable medium carries one or more programs that, when executed by the device, cause the device to perform any of the account association processing methods described above.

[0147] The computer program product of the present invention includes a computer program that, when executed by a processor, implements the account association processing method in the embodiments of the present invention.

[0148] The specific embodiments described above do not constitute a limitation on the scope of protection of this invention. Those skilled in the art should understand that various modifications, combinations, sub-combinations, and substitutions can occur depending on design requirements and other factors. Any modifications, equivalent substitutions, and improvements made within the spirit and principles of this invention should be included within the scope of protection of this invention.

Claims

1. A method for processing account association, characterized in that, include: The query retrieves a set of newly opened accounts whose account attributes meet the automatic association parameters but do not meet the account no-signing-requirement parameters. Among them, the newly opened accounts are corporate clients' accounts. The automatic association parameters are used to personalize the automatic association requirements of each account opening institution, and the account no-signing-requirement parameters are used to personalize the account no-signing-requirement requirements of each account opening institution. For each newly opened account in the set of newly opened accounts, in response to the fact that the newly opened account has not currently signed a self-service billing contract, the identity information of the customer corresponding to the newly opened account is obtained; The system calls a third-party real-name service to verify the identity information. If the verification is successful, it queries the contract number of the self-service billing contract signed by the account that has a signed self-service billing contract corresponding to the identity information. Obtain the current contract status corresponding to the contract number. Since there is only one valid contract number in the current contract status, obtain the contract signing information corresponding to the valid contract number. The contract signing information includes automatic association parameters, signing time, and service scope. When the automatic association parameter is set to yes, in response to the fact that the account opening time of the newly opened account is greater than the contract signing time and the account opening institution number of the newly opened account is within the service scope, the newly opened account and the valid bill self-service contract are associated. Obtain card information from a valid self-service billing contract and associate the newly opened account with the card information; wherein, the card information is a self-service billing card or a corporate settlement card.

2. The method according to claim 1, characterized in that, The set of newly opened accounts whose account attributes match the automatic association parameters but do not match the account no-sign-up parameters also includes: Receive new account information pushed by product service components from various account opening institutions, perform data cleaning and formatting on the received new account information, and integrate the processed new account information into the account master table.

3. The method according to claim 1, characterized in that, The method further includes: In response to the existence of multiple valid contract numbers or only one contract number and the current contract status being invalid, the process of associating the new account and the billing self-service contract ends.

4. The method according to claim 1, characterized in that, After linking the newly opened account with the valid self-service billing contract, the process also includes: Obtain the fee information selected by the customer when signing the valid billing self-service contract, associate the newly opened account with the fee information, and perform a fee collection operation on the newly opened account based on the fee information.

5. The method according to claim 1, characterized in that, After linking the newly opened account with the valid self-service billing contract, the process also includes: In response to the successful association result, the successful association result is sent to the customer through the communication information in the contract signing information.

6. The method according to claim 5, characterized in that, The method further includes: Receive a request for association result query, and query the set of newly opened accounts corresponding to the association result based on the account opening institution number and account opening date in the request for association result query; In response to a successful association result, a list of successfully associated accounts is generated and returned based on the set of newly opened accounts retrieved; or In response to a failed association result, a list of failed association accounts is generated and returned based on the set of newly opened accounts retrieved.

7. An account association processing device, characterized in that, include: The account processing module is used to query a set of newly opened accounts whose account attributes meet the automatic association parameters but do not meet the account no-signing-requirement parameters. Among them, the newly opened accounts are corporate clients' accounts. The automatic association parameters are used to personalize the automatic association requirements of each account opening institution, and the account no-signing-requirement parameters are used to personalize the account no-signing-requirement requirements of each account opening institution. The determination module is used to obtain the customer's identity information corresponding to each newly opened account in the set of newly opened accounts, in response to the fact that the newly opened account has not currently signed a self-service billing contract; The verification module is used to call a third-party real-name service to verify the identity information. If the verification is successful, in response to the existence of an account with a signed bill self-service contract corresponding to the identity information, the module queries the contract number of the signed bill self-service contract of the signed account. The acquisition module is used to acquire the current contract status corresponding to the contract number. In response to the fact that there is only one valid contract number in the current contract status, the module acquires the contract signing information corresponding to the valid contract number. The contract signing information includes automatic association parameters, signing time, and service scope. The association module is used to associate the newly opened account with the valid bill self-service contract when the automatic association parameter is set to yes, in response to the account opening time of the newly opened account being greater than the contract signing time and the account opening institution number of the newly opened account being within the service scope. The card association module is used to obtain card information from a valid self-service billing contract and associate the newly opened account with the card information; wherein, the card information is a self-service billing card or a corporate settlement card.

8. The apparatus according to claim 7, characterized in that, The account processing module is also used for: Receive new account information pushed by product service components from various account opening institutions, perform data cleaning and formatting on the received new account information, and integrate the processed new account information into the account master table.

9. The apparatus according to claim 7, characterized in that, The acquisition module is also used for: In response to the existence of multiple valid contract numbers or only one contract number and the current contract status being invalid, the process of associating the new account and the billing self-service contract ends.

10. The apparatus according to claim 7, characterized in that, The card association module is also used for: Obtain the fee information selected by the customer when signing the valid billing self-service contract, associate the newly opened account with the fee information, and perform a fee collection operation on the newly opened account based on the fee information.

11. The apparatus according to claim 7, characterized in that, It also includes a notification module for: In response to the successful association result, the successful association result is sent to the customer through the communication information in the contract signing information.

12. The apparatus according to claim 11, characterized in that, It also includes a request manifest module, used for: Receive a request for association result query, and query the set of newly opened accounts corresponding to the association result based on the account opening institution number and account opening date in the request for association result query; In response to a successful association result, a list of successfully associated accounts is generated and returned based on the set of newly opened accounts retrieved. or In response to a failed association result, a list of failed association accounts is generated and returned based on the set of newly opened accounts retrieved.

13. An electronic device, characterized in that, include: One or more processors; Storage device for storing one or more programs. When the one or more programs are executed by the one or more processors, the one or more processors implement the method as described in any one of claims 1-6.

14. A computer-readable medium having a computer program stored thereon, characterized in that, When the program is executed by the processor, it implements the method as described in any one of claims 1-6.

15. A computer program product, comprising a computer program, characterized in that, When the computer program is executed by a processor, it implements the method as described in any one of claims 1-6.

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