Fund flow information query method and device, equipment, medium and product

Abstract

The application discloses a fund flow information query method, device, equipment, medium and product. The method comprises the following steps: receiving a first input of a user triggering query of target fund flow information in a first institution client; in response to the first input, obtaining user identity information corresponding to the user; sending, by the first institution client, a query request for the target fund flow information to an information switching platform, so as to instruct the information switching platform to perform identity authentication on the user according to the user identity information through a third institution service platform, obtain a first authentication result, and forward the first authentication result to at least one target second institution, so that the target second institution queries and returns the target fund flow information in the case that the first authentication result is passed; and receiving, by the first institution client, the target fund flow information forwarded by the information switching platform. According to the embodiment of the application, the complexity of the query operation process can be reduced, and the query efficiency and the accuracy of the query result can be improved.

Description

TECHNICAL FIELD

[0001] The present application belongs to the technical field of information processing, and particularly relates to a fund flow information query method and device, equipment, medium and product. BACKGROUND

[0002] Fund flow verification is an important link when a regulatory agency checks a listed company or a company to be listed. By verifying the fund flow information of an issuer, the associated transactions and fund flow of the issuer, the completeness of the disclosure of associated parties and associated transactions, whether there is fictitious income through extracorporeal fund circulation, whether there is interest delivery or other interest arrangements, etc. can be investigated. In addition, fund flow verification is also an important procedure for checking whether there is a major misstatement risk and risk fraud matter in the financial statements of the issuer.

[0003] Currently, when performing fund flow verification, the fund flow information of the person to be checked needs to be obtained first. Specifically, a regulatory agency staff member accompanies the relevant person to be checked to go to each institution offline to print the fund flow information, and then the staff member manually enters the printed fund flow information into the regulatory agency system, so as to check the fund flow information of the person to be checked.

[0004] In this way, since a large number of personnel need to be coordinated to accompany the user to go to each institution offline to print the fund flow information, the query operation process is complex and the query efficiency is low. In addition, since the fund flow information also needs to be manually entered into the regulatory agency system, the entry process is prone to errors, thereby reducing the accuracy of the fund flow information query result. SUMMARY

[0005] The embodiments of the present application provide a fund flow information query method, device, equipment, medium and product, which can reduce the complexity of the query operation process, improve the query efficiency and the accuracy of the query result.

[0006] In a first aspect, the embodiments of the present application provide a fund flow information query method applied to a terminal device, and the method comprises:

[0007] receiving a first input of triggering a query of target fund flow information in a first institution client by a user, wherein the target fund flow information is fund flow information corresponding to an account of the user in at least one target second institution;

[0008] in response to the first input, obtaining user identity information corresponding to the user;

[0009] sending, by the first institution client, a query request for the target fund flow information to an information relay platform, the query request including the user identity information, the query request being used to instruct the information relay platform to perform identity verification on the user according to the user identity information to obtain a first verification result, and forward the first verification result to the at least one target second institution, so that the at least one target second institution queries and returns the target fund flow information when the first verification result is a verification pass;

[0010] receiving, by the first institution client, the target fund flow information forwarded by the information relay platform.

[0011] In a second aspect, an embodiment of the present application provides a fund flow information query method, applied to an information relay platform, and the method comprises the following steps:

[0012] receiving a query request for target fund flow information sent by a first institution client, wherein the target fund flow information is fund flow information corresponding to an account of a user in at least one target second institution, and the query request includes user identity information corresponding to the user to be verified;

[0013] in response to the query request, sending the user identity information to a third institution service platform, so that the third institution service platform performs identity verification on the user according to the user identity information to obtain a first verification result;

[0014] receiving the first verification result returned by the third institution service platform, and forwarding the first verification result to the at least one target second institution, so that the at least one target second institution queries the target fund flow information when the first verification result is a verification pass;

[0015] receiving the target fund flow information returned by the at least one target second institution, and forwarding the target fund flow information to the first institution client.

[0016] In a third aspect, an embodiment of the present application provides a fund flow information query device, applied to a terminal device, and the device comprises the following modules:

[0017] a first receiving module, configured to receive a first input of triggering a query of target fund flow information in a first institution client by a user, wherein the target fund flow information is fund flow information corresponding to an account of the user in at least one target second institution;

[0018] a first response module, configured to acquire user identity information corresponding to the user in response to the first input;

[0019] The first sending module is configured to send, by the first institution client, a query request for the target fund flow information to an information relay platform, the query request including the user identity information, the query request being used to instruct the information relay platform to perform identity verification on the user according to the user identity information to obtain a first verification result, and forward the first verification result to the at least one target second institution, so that the at least one target second institution queries and returns the target fund flow information when the first verification result is a verification pass.

[0020] The second receiving module is configured to receive, by the first institution client, the target fund flow information forwarded by the information relay platform.

[0021] In a fourth aspect, an embodiment of the present application provides a fund flow information query device applied to an information relay platform, the device comprising:

[0022] The third receiving module is configured to receive a query request for target fund flow information sent by a first institution client, wherein the target fund flow information is fund flow information corresponding to an account of a user in at least one target second institution, and the query request includes to-be-verified user identity information corresponding to the user.

[0023] The second sending module is configured to send, in response to the query request, the user identity information to a third institution service platform, so that the third institution service platform performs identity verification on the user according to the user identity information to obtain a first verification result.

[0024] The first forwarding module is configured to receive the first verification result returned by the third institution service platform, and forward the first verification result to the at least one target second institution, so that the at least one target second institution queries the target fund flow information when the first verification result is a verification pass.

[0025] The second forwarding module is configured to receive the target fund flow information returned by the at least one target second institution, and forward the target fund flow information to the first institution client.

[0026] In a fifth aspect, an embodiment of the present application provides an electronic device, which comprises a processor and a memory storing computer program instructions.

[0027] The processor, when executing the computer program instructions, implements the steps of the fund flow information query method in any one of the embodiments of the first aspect.

[0028] In a sixth aspect, an embodiment of the present application provides a computer-readable storage medium, and the computer-readable storage medium stores computer program instructions. When the computer program instructions are executed by a processor, the steps of the fund flow information query method according to any one of the embodiments of the first aspect are implemented.

[0029] In a seventh aspect, an embodiment of the present application provides a computer program product, and instructions in the computer program product are executed by a processor of an electronic device, so that the electronic device performs the steps of the fund flow information query method according to any one of the embodiments of the first aspect.

[0030] The fund flow information query method, device, equipment, medium and product provided in the embodiments of the present application can achieve automatic online query of fund flow information. Compared with manual offline query, the complexity of the query operation process is reduced, and the query efficiency is improved. In addition, since the fund flow information does not need to be re-entered by manual means, the accuracy of the fund flow information query result is also improved. BRIEF DESCRIPTION OF DRAWINGS

[0031] In order to more clearly illustrate the technical solutions of the embodiments of the present application, the drawings required to be used in the embodiments of the present application will be briefly introduced. For those skilled in the art, other drawings can also be obtained without creative labor on the basis of these drawings.

[0032] Figure 1 is a structural schematic diagram of the system architecture provided by the present application;

[0033] Figure 2 is a flowchart of the fund flow information query method provided by the embodiment of the first aspect of the present application;

[0034] Figure 3 is a login interface schematic diagram of the first institution client provided by the present application;

[0035] Figure 4 is a to-be-queried institution selection interface schematic diagram of the first institution client provided by the present application;

[0036] Figure 5 is a user identity verification result display interface schematic view of the first institution client provided by the present application;

[0037] Figure 6 is a flow display interface schematic view of the first institution client provided by the present application;

[0038] Figure 7 is a user information verification interface schematic view of the first institution client provided by the present application;

[0039] Figure 8 is a flowchart of a fund flow information query method provided by an embodiment of the second aspect of the present application;

[0040] Figure 9 is a structural schematic view of a fund flow information query device provided by an embodiment of the first aspect of the present application;

[0041] Figure 10 is a structural schematic view of a fund flow information query device provided by an embodiment of the second aspect of the present application;

[0042] Figure 11 is a structural schematic view of an electronic device provided by an embodiment of the present application. DETAILED DESCRIPTION

[0043] The features and exemplary embodiments of the various aspects of the present application will be described in detail below with reference to the accompanying drawings and specific embodiments. It should be understood that the specific embodiments described herein are intended to explain the present application, but not to limit the present application. The present application can be implemented without some of the specific details described below. The following description of the embodiments is merely provided to give a better understanding of the present application by showing examples of the present application.

[0044] It should be noted that, in this document, relational terms such as first and second and the like can be used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions. Moreover, the terms "comprises", "comprising", or any other variations thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but can include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element preceded by "comprises... a" does not, without more constraints, foreclose the existence of additional identical elements in the process, method, article, or apparatus that comprises the stated elements.

[0045] Fund flow verification is a key verification matter of IPO (Initial Public Offering) project, the purpose of which is to investigate the fund flow of the issuer, the associated transactions and fund flow of the issuer, whether the disclosure of the associated parties and associated transactions is complete, whether there is fictitious income through extracorporeal fund circulation, whether there is interest delivery or other interest arrangements, etc. Fund flow verification is also an important procedure for checking whether there is a significant misstatement risk and risk fraud matter in the financial statements of the issuer.

[0046] Currently, fund flow verification has become an important means for regulatory agencies to find clues and obtain evidence in the on-site inspection of listed companies or companies planning to be listed. The due diligence of the fund flow by the sponsor is also one of the focuses of the on-site supervision of the regulatory agencies.

[0047] Currently, when conducting fund flow verification during the on-site inspection of IPO, the staff is usually required to accompany the relevant persons being verified to the agencies to print the fund flow and verify whether the persons being verified have accounts in the relevant agencies. Then, the staff also needs to enter the printed fund flow into the system of the regulatory agencies one by one in order to conduct fund flow verification and analysis.

[0048] Due to the large number of relevant agencies involved and the difficulty for the persons being verified to go to the offline agencies at the same time, the staff needs to repeatedly confirm the free time of each person being verified and dispatch personnel and vehicles to accompany the persons being verified to go to the offline agencies in the actual operation. After arriving at the offline agencies, if the persons being verified do not have accounts in the relevant agencies, the query process and results need to be videoed for preservation; if the persons being verified have accounts in the relevant agencies, the staff of the agencies needs to print a list of all accounts of the persons being verified (or query the list on the self-service machine by swiping the identity card and take a photo for preservation), and then print the fund flow information of each account in the list. The whole process is complicated, and if the offline business of the agencies is busy, it needs to wait for a long time.

[0049] In addition, after obtaining the fund flow information, the fund flow information is currently manually input into the regulatory agency system by an artificial person, and after the input is completed, corresponding verification and analysis are performed. Due to the large amount of fund flow information, which usually includes account number, account name, transaction date, debit amount (expenditure), credit amount (income), transaction abstract, transaction counterparty and the like, and the bill formats of various agencies are different, errors are extremely easy to occur in the input process. If an error occurs in the process of manually inputting the fund flow information, the subsequent verification will be affected. Although some products based on OCR (optical character recognition) technology are currently available, 100% accuracy cannot be guaranteed, and manual review is still required after scanning.

[0050] To solve the problems in the prior art, the embodiments of the present application provide a fund flow information query method, device, equipment, medium and product.

[0051] First, the system architecture to which the fund flow information query method in the embodiments of the present application is applicable will be introduced.

[0052] Figure 1 is a structural schematic diagram of the system architecture provided by the present application.

[0053] As Figure 1 indicated, the system architecture can include a terminal device 10, an information transfer platform 20, a third agency service platform 30 and a plurality of second agencies 40. The first agency client 101 and the third agency client 102 can be installed in the terminal device 10, and the terminal device 10 can be a smart electronic device such as a mobile phone, a tablet, a smart wearable device and the like. The information transfer platform 20 can be a platform for interfacing various agencies to realize cross-agency information forwarding, for example, a platform for realizing data forwarding between the first agency client 101, the third agency service platform 30 and the plurality of second agencies 40. The third agency service platform 30 can be a platform for verifying the identity of a user, for example, an authoritative agency basic service platform with identity verification public credibility. The second agency 40 can be an agency capable of managing user funds, for example, a bank agency. In addition, the first agency client 101 can be a client used by an agency that needs to verify the funds of a user, for example, the first agency can be a securities agency, and the first agency client can be a securities agency App. The third agency client 102 can be a client used by an authoritative agency with identity verification public credibility, that is, a front-end client corresponding to the third agency service platform 30.

[0054] Here, the first institutional client 101 in the terminal device 10, the third institutional service platform 30 and the plurality of second institutions 40 can interact information through the information relay platform 20. The first institutional client 101 in the terminal device 10 can pull up the third institutional client 102 to obtain the information related to the user stored in the third institution through the third institutional client 102.

[0055] Based on the above system architecture, the embodiment of the present application provides a fund flow information query method. The fund flow information query method can be applied to the scene of fund flow checking. First, the fund flow information query method provided by the embodiment of the present application is introduced.

[0056] Figure 2 FIG. 1 is a flowchart of a fund flow information query method provided by an embodiment of the first aspect of the present application. The fund flow information query method can be executed by the terminal device 10 as shown in FIG. 1. Figure 1

[0057] As shown in FIG. 1, the fund flow information query method can specifically include the following steps: Figure 2

[0058] S210, receiving a first input of triggering a query of target fund flow information by a user in a first institutional client, wherein the target fund flow information is fund flow information corresponding to an account of the user in at least one target second institution;

[0059] S220, in response to the first input, obtaining user identity information corresponding to the user;

[0060] S230, sending, by the first institutional client, a query request for the target fund flow information to the information relay platform, wherein the query request includes the user identity information, and the query request is used to instruct the information relay platform to perform identity authentication on the user according to the user identity information through the third institutional service platform to obtain a first authentication result, and forward the first authentication result to the at least one target second institution, so that the at least one target second institution queries and returns the target fund flow information in a case that the first authentication result is passed;

[0061] S240, receiving, by the first institutional client, the target fund flow information forwarded by the information relay platform.

[0062] ​​Thus, by receiving the first input of triggering the query of the target fund flow information corresponding to the account of the user in the at least one target second institution at the first institution client, the user identity information corresponding to the user is acquired, and then the first institution client sends the query request carrying the user identity information to the information transfer platform, instructs the information transfer platform to perform identity authentication on the user according to the user identity information through the third institution service platform, and forwards the obtained first authentication result to the at least one target second institution, so that the at least one target second institution queries and returns the target fund flow information in the case that the first authentication result is passed, so that the first institution client can receive the target fund flow information forwarded by the information transfer platform, realizes the automatic online query of the fund flow information, reduces the complexity of the query operation process compared with the manual offline query, and improves the query efficiency. In addition, since the fund flow information does not need to be re-entered by manual mode, the accuracy of the fund flow information query result is also improved.

[0063] The specific implementation of each step will be introduced below.

[0064] In some embodiments, in S210, the first input can be an input of triggering the query of the target fund flow information by the user in the first institution client, for example, a click input of the fund flow query function button by the user after determining the target second institution to be queried.

[0065] In addition, the target second institution can be a second institution selected by the user from a plurality of second institutions, or a second institution selected by default by the first institution client. The number of the target second institutions can be one or more, which is not limited here.

[0066] It should be noted that since the account of the user in different second institutions can be different, the fund flow information corresponding to the account of the user in different second institutions can be different.

[0067] Based on this, in some embodiments, before S210, the fund flow information query method provided by the application embodiment can further include:

[0068] In the case that the user logs in the first institution client, displaying a plurality of second institution identification information in the display interface corresponding to the first institution client;

[0069] Receiving a second input of the user on at least one target identification information in the plurality of second institution identification information;

[0070] In response to the second input, the second institution corresponding to the at least one target identification information is determined as the at least one target second institution.

[0071] Herein, different second institutions can correspond to different second institution identification information, which can be image identification and / or name identification, etc. of the second institutions.

[0072] In addition, the second input can be an input of the user selecting one or more target identification information from the plurality of second institution identification information, for example, can be a click input of the user on the one or more target identification information.

[0073] Exemplarily, as shown in a first institution client login interface, Figure 3 the user can first input a mobile phone number, a verification code, etc. in the first institution client to complete account login. After login, a to-be-inquired institution selection interface as shown in Figure 4 can be displayed, and the user can select the identification of one or more second institutions to be inquired in the to-be-inquired institution selection interface, and then the one or more second institutions selected by the user can be taken as target second institutions.

[0074] In this way, the user can freely select one or more second institutions to be inquired through the above manner, so as to subsequently perform online automatic inquiry operation on the fund flow information corresponding to the account of the user in the one or more second institutions.

[0075] In some embodiments, in S220, the user identity information can be information capable of representing the identity of the user applying for inquiring fund flow, which can specifically include information representing the identity of the user collected in real time, or information representing the identity of the user input during user registration or real-name authentication, which is not limited herein.

[0076] Exemplarily, the first institution client can acquire the user identity information corresponding to the user applying for inquiring fund flow by calling a camera to collect the identity information of the current user in real time, and / or by calling other institution clients in the terminal device to acquire the user identity information corresponding to the user of the currently logged-in account from the other institution clients.

[0077] In some embodiments, in S230, the first institution client can send a query request to the information switching platform, and carry the user identity information of the applicant in the query request, instruct the information switching platform to forward the user identity information to a trusted third institution service platform to verify the user identity, and obtain a first verification result. The first verification result can include user identity verification result, verification result signature, and verification timestamp, etc. In addition, the first verification result can also carry the institution ID of the first institution, the application ID corresponding to the first institution client, and the user PID (Process Identifier) of the applicant.

[0078] In addition, after receiving the first verification result returned by the third institution service platform, the information switching platform can further forward the first verification result to the target second institution, so that the target second institution further verifies the first verification result, and determines that the user identity verification is passed, queries the target fund flow information corresponding to the account of the user in the institution, and returns the target fund flow information to the information switching platform. Of course, the information switching platform can also forward the first verification result to the first institution client to notify the first institution client of the user identity verification result. If the first verification result is passed, the first institution client can display the result display interface as shown in Figure 5

[0079] In some embodiments, in S240, after receiving the target fund flow information returned by the at least one target second institution respectively, the information switching platform can forward the target fund flow information corresponding to the at least one target second institution respectively to the first institution client.

[0080] For example, after the first institution client receives the target fund flow information, the target fund flow information can be displayed in the flow display interface as shown in Figure 6 The consent button and the refuse button of the first institution are set. If the user clicks the consent button of the first institution to authorize the first institution to use the target fund flow information, the first institution can use the target fund flow information to ensure the safety of the user's private data.

[0081] In this way, the user and the first institution staff do not need to go to the offline business site to pull the flow. The user can realize automatic query of the fund flow information corresponding to the account of the user in one or more second institutions through online operation in the first institution client, which simplifies the fund flow query operation process. In addition, the present application embodiment can realize multi-institution flow query and output to the first institution through only one verification of the user identity, without manual input of flow information, which solves the problem of easy error in manual input.

[0082] In addition, the present application embodiment can use the authoritative authentication result of the third institution service platform to provide a high-trust source for each second institution by switching the third institution service platform to verify the user identity, which improves the reliability of the user identity verification result and the security of the fund flow information query process.

[0083] Based on this, in order to further improve the reliability of the user identity verification result and the security of the fund flow information query process, in some embodiments, S220 can specifically include:

[0084] ​obtaining, by the first institution client, digital identity credential information corresponding to the user from a third institution client; and collecting, by the first institution client, identity verification information corresponding to the user. The user identity information includes the digital identity credential information and the identity verification information, and the third institution client is a client corresponding to a third institution service platform.

[0085] Here, the digital identity credential information can be digital identity information generated by the user after identity authentication in the third institution client. The digital identity credential information can be, for example, a string of encrypted digital information.

[0086] For example, the first institution client can pull up the third institution client after authorization by the user, and send a credential obtaining request to the third institution client. The credential obtaining request can carry information such as the institution ID of the first institution and the application ID corresponding to the first institution client. After receiving the credential obtaining request, the third institution client can query the digital identity credential information corresponding to the user, and return the digital identity credential information of the user to the first institution client.

[0087] In addition, the first institution client can collect biological information or other identity information corresponding to the user as identity verification information. The biological information can include, for example, fingerprint information, facial information, iris information, etc. The other identity information can include, for example, name, mobile phone number, ID number, etc.

[0088] For example, when obtaining the user identity verification information, the first institution client can display an information verification interface as shown in Figure 7 The user can input his / her own name, mobile phone number, ID number, etc. in the interface, and use these information as the collected identity verification information corresponding to the user.

[0089] In addition, in some embodiments, the step of collecting, by the first institution client, identity verification information corresponding to the user can specifically include:

[0090] collecting, by the first institution client, facial information of the user by calling a face collection plug-in to obtain identity verification information corresponding to the user;

[0091] The face collection plug-in is a plug-in certified by the third institution.

[0092] Here, the face collection plug-in can be a plug-in certified by an authoritative institution for collecting facial information of the user, such as a face collection SDK (Software Development Kit) certified by the third institution.

[0093] Exemplarily, the first institution client can be provided with a face collection SDK authenticated by the third institution. When obtaining the user identity information, the face collection SDK can be called to collect the face information of the user, obtain the face information, and take the face information as the identity authentication information corresponding to the user. In addition, in order to improve data security and reduce the risk of privacy data leakage, the face information can also be encrypted, and the encrypted face information can be taken as the identity authentication information, which is not limited here.

[0094] In addition, in some embodiments, before the step of obtaining the digital identity credential information corresponding to the user from the third institution client by the first institution client, the fund flow information query method provided by the embodiment of the application can further include:

[0095] receiving the identity certificate information input by the user based on the third institution client, and collecting the face information of the user;

[0096] generating the digital identity credential information corresponding to the user according to the identity certificate information and the face information;

[0097] saving the digital identity credential information through the third institution client.

[0098] In the embodiment, the user can initialize the digital identity credential information by inputting the corresponding identity certificate information in the third institution client. The identity certificate information can include at least one of the identity card information, biological information, and the like.

[0099] Exemplarily, the user can input the identity card information in the third institution client through NFC (Near Field Communication) or OCR, and collect the face information of the user by using the third institution client to initialize the digital identity credential information of the user. The identity card information and the face information can also be bound with the mobile phone number, password, and the like input by the user, and the digital identity credential information can be saved and encrypted by the third institution client. In addition, the third institution client can also upload the digital identity credential information to the background, i.e., the third institution service platform, so that the third institution service platform can perform identity authentication on the user in the subsequent fund flow query process.

[0100] Figure 8 is a flowchart of the fund flow information query method provided by the embodiment of the second aspect of the application. The fund flow information query method can be executed by the information switching platform 20 as shown in Figure 1 .

[0101] As shown in Figure 8 , the fund flow information query method can specifically include the following steps:

[0102] S810, receiving a query request for target fund flow information sent by the first institution client, wherein the target fund flow information is fund flow information corresponding to an account of the user in at least one target second institution, and the query request includes to-be-verified user identity information corresponding to the user;

[0103] S820, in response to the query request, sending the user identity information to the third institution service platform, so that the third institution service platform performs identity verification on the user according to the user identity information, and obtains a first verification result;

[0104] S830, receiving the first verification result returned by the third institution service platform, and forwarding the first verification result to the at least one target second institution, so that the at least one target second institution queries the target fund flow information in a case where the first verification result is verified to be passed;

[0105] S840, receiving the target fund flow information returned by the at least one target second institution, and forwarding the target fund flow information to the first institution client.

[0106] The related description of the above steps can refer to the explanation and description of the related parts of the foregoing embodiments, which will not be repeated here.

[0107] Therefore, when the information switching platform receives the fund flow query request sent by the first institution client, the user identity information carried in the query request is forwarded to the third institution service platform, and after receiving the first verification result based on the user identity information returned by the third institution service platform, the first verification result is forwarded to the at least one target second institution, so that the target second institution queries and returns the target fund flow information in a case where the first verification result is verified to be passed, and then the information switching platform forwards the received target fund flow information to the first institution client, thereby realizing automatic online query of fund flow information, reducing the complexity of the query operation process, and improving the query efficiency. In addition, since the fund flow information does not need to be re-entered by manual mode, the accuracy of the fund flow information query result is also improved.

[0108] In some embodiments, the user identity information can include identity verification information collected by the first institution client and digital identity credential information corresponding to the user obtained from the third institution client.

[0109] Of course, the user identity information can only include identity verification information or only include digital identity credential information, which is not limited here.

[0110] In addition, the related description of the identity verification information and the digital identity credential information can refer to the explanation and description of the related parts of the foregoing embodiments, which will not be repeated here.

[0111] To further improve the security of the fund flow information query process, the information switching platform can forward the identity verification information to the target second institution in addition to forwarding the first verification result to the target second institution, so that the target second institution performs secondary verification on the user identity according to the identity verification information before querying the fund flow information. Based on this, in some embodiments, the above S830 can specifically include:

[0112] forwarding the identity verification information and the first verification result to at least one target second institution, so that the at least one target second institution performs identity verification on the user according to the identity verification information, obtains a second verification result, and queries the target fund flow information in a case where both the first verification result and the second verification result are verified.

[0113] In some specific examples, taking the user facial information as an example, the user facial information and the first verification result can be forwarded to at least one target second institution, the target second institution can perform identity verification on the user according to the user facial information, obtain a second verification result, and query the fund flow information corresponding to the account of the user in the institution, that is, the target fund flow information, in a case where both the first verification result and the second verification result are verified.

[0114] In addition, other parts of the description can refer to the relevant explanations and descriptions in the foregoing embodiments, and will not be repeated here.

[0115] It should be noted that the application scenarios described in the above embodiments of the present application are for more clearly explaining the technical solutions of the embodiments of the present application, and do not constitute a limitation on the technical solutions provided by the embodiments of the present application. It can be known by those skilled in the art that, with the appearance of new application scenarios, the technical solutions provided by the embodiments of the present application are also applicable to similar technical problems.

[0116] Based on the same inventive concept, the present application also provides a fund flow information query device. The device will be described in detail in combination with Figure 9 and Figure 10 .

[0117] Figure 9 is a structural schematic diagram of the fund flow information query device provided by the embodiments of the first aspect of the present application. The fund flow information query device can be configured in the terminal device 10 as shown in Figure 1 .

[0118] As shown in Figure 9 , the fund flow information query device 900 can include:

[0119] The first receiving module 901 is configured to receive a first input of triggering a query of target fund flow information by a user in a first institution client, wherein the target fund flow information is fund flow information corresponding to an account of the user in at least one target second institution.

[0120] The first response module 902 is configured to acquire user identity information corresponding to the user in response to the first input.

[0121] The first sending module 903 is configured to send, by the first institution client, a query request for the target fund flow information to an information switching platform, wherein the query request includes the user identity information, and the query request is used to instruct the information switching platform to perform identity authentication on the user according to the user identity information to obtain a first authentication result, and forward the first authentication result to the at least one target second institution, so that the at least one target second institution queries and returns the target fund flow information in a case where the first authentication result is passed.

[0122] The second receiving module 904 is configured to receive, by the first institution client, the target fund flow information forwarded by the information switching platform.

[0123] The fund flow information query device 900 is described in detail as follows.

[0124] In some embodiments, the first response module 902 includes:

[0125] A first acquisition sub-module configured to acquire, by the first institution client, digital identity credential information corresponding to the user from a third institution client; and

[0126] A second acquisition sub-module configured to collect, by the first institution client, identity authentication information corresponding to the user.

[0127] The user identity information includes the digital identity credential information and the identity authentication information, and the third institution client is a client corresponding to the third institution service platform.

[0128] In some embodiments, the second acquisition sub-module is specifically configured to:

[0129] Call a face collection plug-in to collect facial information of the user to obtain the identity authentication information corresponding to the user.

[0130] The face collection plug-in is a plug-in authenticated by the third institution.

[0131] In some embodiments, the first response module 902 further includes:

[0132] The receiving collection sub-module is configured to receive identity document information input by a user based on a third institution client before the first institution client obtains digital identity credential information corresponding to the user from the third institution client, and collect facial information of the user;

[0133] The information generation sub-module is configured to generate digital identity credential information corresponding to the user according to the identity document information and the facial information;

[0134] The information saving sub-module is configured to save the digital identity credential information through the third institution client.

[0135] In some embodiments, the fund flow information query device 900 further includes:

[0136] The information display module is configured to, before receiving a first input of the user triggering a query of target fund flow information in the first institution client, display a plurality of second institution identification information in a display interface corresponding to the first institution client under the condition that the user logs in the first institution client.

[0137] The fourth receiving module is configured to receive a second input of the user on at least one target identification information in the plurality of second institution identification information.

[0138] The target determination module is configured to determine a second institution corresponding to the at least one target identification information as the at least one target second institution in response to the second input.

[0139] Therefore, after receiving the first input of triggering the query of the target fund flow information corresponding to the account of the user in the at least one target second institution in the first institution client, the user identity information corresponding to the user is obtained, and then the first institution client sends a query request carrying the user identity information to the information transfer platform, instructs the information transfer platform to perform identity authentication on the user according to the user identity information through the third institution service platform, and forwards the obtained first authentication result to the at least one target second institution, so that the at least one target second institution queries and returns the target fund flow information in the case that the first authentication result is passed. In this way, the first institution client can receive the target fund flow information forwarded by the information transfer platform, realize the automatic online query of the fund flow information, reduce the complexity of the query operation process, and improve the query efficiency. In addition, since the fund flow information does not need to be re-entered by manual operation, the accuracy of the fund flow information query result is also improved.

[0140] Figure 10 is a structural schematic diagram of a fund flow information query device provided by an embodiment of the second aspect of the application. The fund flow information query device can be configured in the information switching platform 20 as shown. Figure 1

[0141] As shown in Figure 10 , the fund flow information query device 1000 can include:

[0142] The third receiving module 1001 is configured to receive a query request for target fund flow information sent by a first institution client, wherein the target fund flow information is fund flow information corresponding to an account of a user in at least one target second institution, and the query request includes to-be-verified user identity information corresponding to the user;

[0143] The second sending module 1002 is configured to send the user identity information to a third institution service platform in response to the query request, so that the third institution service platform performs identity verification on the user according to the user identity information and obtains a first verification result;

[0144] The first forwarding module 1003 is configured to receive the first verification result returned by the third institution service platform and forward the first verification result to the at least one target second institution, so that the at least one target second institution queries the target fund flow information in a case where the first verification result is verified to be passed;

[0145] The second forwarding module 1004 is configured to receive the target fund flow information returned by the at least one target second institution and forward the target fund flow information to the first institution client.

[0146] The fund flow information query device 1000 is described in detail as follows.

[0147] In some embodiments, the user identity information includes identity verification information collected by the first institution client and digital identity credential information corresponding to the user obtained from a third institution client.

[0148] In some embodiments, the first forwarding module 1003 includes:

[0149] The information forwarding submodule is configured to forward the identity verification information and the first verification result to the at least one target second institution, so that the at least one target second institution performs identity verification on the user according to the identity verification information and obtains a second verification result, and queries the target fund flow information in a case where both the first verification result and the second verification result are verified to be passed. ​

[0150] Thus, by receiving the fund flow query request sent by the first institution client at the information switching platform, forwarding the user identity information carried in the query request to the third institution service platform, and after receiving the first verification result based on the user identity information returned by the third institution service platform, forwarding the first verification result to at least one target second institution, so that the target second institution queries and returns the target fund flow information in the case that the first verification result is passed, and then the information switching platform forwards the received target fund flow information to the first institution client, the automatic online query of the fund flow information is realized, compared with the manual offline query, the complexity of the query operation process is reduced, and the query efficiency is improved. In addition, since the fund flow information does not need to be re-entered by manual mode, the accuracy of the fund flow information query result is also improved.

[0151] Figure 11 is a structural schematic diagram of an electronic device provided by an embodiment of the present application.

[0152] The electronic device 1100 can include a processor 1101 and a memory 1102 storing computer program instructions.

[0153] Specifically, the processor 1101 can include a central processing unit (CPU), or a specific integrated circuit (Application Specific Integrated Circuit, ASIC), or can be configured to implement one or more integrated circuits of the embodiments of the present application.

[0154] The memory 1102 can include a mass storage for data or instructions. By way of example and not limitation, the memory 1102 can include a hard disk drive (HDD), a floppy disk drive, a flash memory, an optical disk, a magneto-optical disk, a magnetic tape, or a universal serial bus (USB) drive or a combination of two or more of these. Where appropriate, the memory 1102 can include removable or non-removable (or fixed) media. Where appropriate, the memory 1102 can be internal or external to the integrated gateway disaster recovery device. In a particular embodiment, the memory 1102 is a non-volatile solid-state memory.

[0155] In particular embodiments, the memory can include read-only memory (ROM), random-access memory (RAM), magnetic disk storage mediums devices, optical storage mediums devices, flash memory devices, electrical, optical, or other physical / tangible memory storage devices. Thus, in general, the memory includes one or more tangible (non-transitory) computer-readable storage media (e.g., a memory device) encoded with software that, when executed (by one or more processors), is operable to perform operations described with reference to the methods according to an aspect of the present application.

[0156] The processor 1101 implements the fund flow information query method in any of the above embodiments by reading and executing computer program instructions stored in the memory 1102.

[0157] In some examples, the electronic device 1100 can further include a communication interface 1103 and a bus 1104. As shown, the processor 1101, the memory 1102, and the communication interface 1103 are connected through the bus 1104 and complete communication between each other. Figure 11

[0158] The communication interface 1103 is mainly used to realize the communication between the modules, devices, units and / or equipment in the embodiments of the present application.

[0159] The bus 1104 includes hardware, software or both to couple components of the online data traffic billing device to each other in a known manner. By way of example, and not limitation, the bus 1104 can include an accelerated graphics port (AGP) or other graphics bus, an enhanced industry standard architecture (EISA) bus, a front-side bus (FSB), a HyperTransport (HT) interconnect, an industry standard architecture (ISA) bus, an InfiniBand (IB) interconnect, a low pin count (LPC) bus, a memory bus, a Micro Channel Architecture (MCA) bus, a peripheral component interconnect (PCI) bus, a PCI-Express (PCI-X) bus, a serial advanced technology attachment (SATA) bus, a video electronics standards association local (VLB) bus, or another suitable bus or a combination of two or more of these. Where suitable, the bus 1104 can include one or more buses. Although particular buses are described and shown in the embodiments of the present application, the present application contemplates any suitable bus or interconnect.

[0160] For example, the electronic device 1100 can be a mobile phone, a tablet computer, a notebook computer, a palm computer, a vehicle-mounted electronic device, an ultra-mobile personal computer (UMPC), a netbook, or a personal digital assistant (PDA), etc.

[0161] ​The electronic device 1100 can execute the fund flow information query method in the embodiments of the present application, so as to realize the fund flow information query method and device described in combination with the above various embodiments.

[0162] In addition, in combination with the fund flow information query method in the above embodiments, the embodiments of the present application can provide a computer readable storage medium for implementation. The computer readable storage medium has computer program instructions stored thereon; the computer program instructions are executed by a processor to implement any one of the fund flow information query methods in the above embodiments. Examples of the computer readable storage medium include non-transitory computer readable storage media, such as portable disks, hard disks, random access memories (RAM), read-only memories (ROM), erasable programmable read-only memories (EPROM or flash memory), portable compact disk read-only memories (CD-ROM), optical storage devices, magnetic storage devices, etc.

[0163] It should be noted that the present application is not limited to the specific configurations and processes described above and shown in the drawings. For the sake of brevity, detailed descriptions of well-known methods are omitted herein. In the above embodiments, several specific steps are described and shown as examples. However, the method processes of the present application are not limited to the specific steps described and shown, and those skilled in the art can make various changes, modifications and additions, or change the order of the steps, after understanding the spirit of the present application.

[0164] The functional blocks shown in the structural block diagrams described above can be implemented as hardware, software, firmware or a combination thereof. When implemented in hardware, it can be, for example, an electronic circuit, an application specific integrated circuit (ASIC), appropriate firmware, a plug-in, a functional card, etc. When implemented in software, the elements of the present application are program or code segments used to perform the required tasks. The program or code segments can be stored in a machine readable medium or transmitted through a data signal carried in a carrier wave over a transmission medium or communication link. The "machine readable medium" can include any medium capable of storing or transmitting information. Examples of the machine readable medium include electronic circuits, semiconductor memory devices, ROM, flash memory, erasable ROM (EROM), floppy disks, CD-ROMs, optical disks, hard disks, optical fiber media, radio frequency (RF) links, etc. The code segments can be downloaded via a computer network such as the Internet, an intranet, etc.

[0165] It should also be noted that the exemplary embodiments mentioned in the present application describe some methods or systems based on a series of steps or devices. However, the present application is not limited to the order of the above steps, that is, the steps can be executed in the order mentioned in the embodiments, or in an order different from the embodiments, or several steps can be executed simultaneously.

[0166] The computer program instructions can also be loaded onto a computer, other programmable data processing apparatus, or other processing device to cause a series of operational steps to be performed on the computer, other programmable apparatus or other processing device to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide processes for implementing the functions / acts specified in the flowchart and / or block diagram block or blocks.

[0167] The above only describes specific implementation of the present application. For the convenience and brevity of description, the specific working processes of the above-described system, module and unit can refer to the corresponding processes in the foregoing method embodiments, which will not be described herein. It should be understood that the protection scope of the present application is not limited in this way. Any person skilled in the art can easily think of various equivalent modifications or replacements within the technical range disclosed in the present application, and these modifications or replacements should be covered by the protection scope of the present application.

Claims

1. A method for querying fund flow information, applied to a terminal device, and characterized in that, The method comprises: receiving a first input of a user triggering a query target fund flow information in a first institution client, wherein the target fund flow information is fund flow information corresponding to an account of the user in at least one target second institution; in response to the first input, obtaining user identity information corresponding to the user, wherein the user identity information comprises digital identity credential information and identity verification information, and the digital identity credential information is digital identity information generated after the user performs identity authentication in a third institution client; sending, by the first institution client, a query request for the target fund flow information to an information switching platform, wherein the query request comprises the user identity information, and the query request is used to instruct the information switching platform to perform identity verification on the user according to the user identity information through a third institution service platform to obtain a first verification result, and forward the first verification result to the at least one target second institution, so that the at least one target second institution queries and returns the target fund flow information in a case where the first verification result is a verification pass; receiving, by the first institution client, the target fund flow information forwarded by the information switching platform; the obtaining of the user identity information corresponding to the user comprises: obtaining, by the first institution client, digital identity credential information corresponding to the user from a third institution client; and collecting, by the first institution client, identity verification information corresponding to the user; wherein the third institution client is a client corresponding to the third institution service platform.

2. The method of claim 1, wherein, The collecting, by the first institution client, of the identity verification information corresponding to the user comprises: calling, by the first institution client, a face collection plug-in to collect facial information of the user to obtain the identity verification information corresponding to the user; wherein the face collection plug-in is a plug-in of the third institution authentication.

3. The method of claim 1, wherein, Before the obtaining, by the first institution client, of the digital identity credential information corresponding to the user from the third institution client, the method further comprises: receiving identity document information input by the user based on the third institution client, and collecting facial information of the user; generating digital identity credential information corresponding to the user according to the identity document information and the facial information; storing the digital identity credential information through the third institution client.

4. The method of claim 1, wherein, Before the receiving of the first input of the user triggering the query target fund flow information in the first institution client, the method further comprises: displaying, in a display interface corresponding to the first institution client, a plurality of second institution identification information in a case where it is confirmed that the user logs in the first institution client; receiving a second input of the user on at least one target identification information in the plurality of second institution identification information; in response to the second input, determining a second institution corresponding to the at least one target identification information as the at least one target second institution.

5. A fund flow information query method applied to an information switching platform, characterized in that, The method comprises: receive a query request for target fund flow information sent by a first institution client, wherein the target fund flow information is fund flow information corresponding to an account of a user in at least one target second institution, the query request includes to-be-verified user identity information corresponding to the user, and the user identity information includes identity verification information collected by the first institution client and digital identity credential information corresponding to the user obtained from a third institution client, the digital identity credential information being digital identity information generated after the user performs identity authentication in the third institution client; in response to the query request, send the user identity information to a third institution service platform, so that the third institution service platform performs identity verification on the user according to the user identity information, and obtains a first verification result; receive the first verification result returned by the third institution service platform, and forward the first verification result to the at least one target second institution, so that the at least one target second institution queries the target fund flow information when the first verification result is verified to be passed; receive the target fund flow information returned by the at least one target second institution, and forward the target fund flow information to the first institution client.

6. The method of claim 5, wherein, The forwarding of the first verification result to the at least one target second institution, so that the at least one target second institution queries the target fund flow information when the first verification result is verified to be passed, comprises: forwarding the identity verification information and the first verification result to the at least one target second institution, so that the at least one target second institution performs identity verification on the user according to the identity verification information, obtains a second verification result, and queries the target fund flow information when the first verification result and the second verification result are both verified to be passed.

7. A fund flow information inquiry device applied to a terminal device, characterized in that, The apparatus comprises: a first receiving module configured to receive a first input of triggering a query of target fund flow information by a user in a first institution client, wherein the target fund flow information is fund flow information corresponding to an account of the user in at least one target second institution; a first response module configured to, in response to the first input, obtain user identity information corresponding to the user, wherein the user identity information includes digital identity credential information and identity verification information, and the digital identity credential information is digital identity information generated after the user performs identity authentication in a third institution client; The first sending module is configured to send, by the first institution client, a query request for the target fund flow information to an information relay platform, the query request including the user identity information, the query request being used to instruct the information relay platform to perform identity verification on the user according to the user identity information to obtain a first verification result, and forward the first verification result to the at least one target second institution, so that the at least one target second institution queries and returns the target fund flow information when the first verification result is a verification pass; The second receiving module is configured to receive, by the first institution client, the target fund flow information forwarded by the information relay platform. The first response module is specifically configured to: obtain, by the first institution client, digital identity credential information corresponding to the user from a third institution client; and collect, by the first institution client, identity verification information corresponding to the user. The third institution client is a client corresponding to the third institution service platform.

8. A fund flow information query device applied to an information switching platform, characterized in that, The apparatus includes: The third receiving module is configured to receive a query request for target fund flow information sent by a first institution client, wherein the target fund flow information is fund flow information corresponding to an account of a user in at least one target second institution, the query request including to-be-verified user identity information corresponding to the user, the user identity information including identity verification information collected by the first institution client and digital identity credential information corresponding to the user obtained from a third institution client, the digital identity credential information being digital identity information generated after the user performs identity authentication in the third institution client; The second sending module is configured to send, in response to the query request, the user identity information to a third institution service platform, so that the third institution service platform performs identity verification on the user according to the user identity information to obtain a first verification result; The first forwarding module is configured to receive the first verification result returned by the third institution service platform, and forward the first verification result to the at least one target second institution, so that the at least one target second institution queries the target fund flow information when the first verification result is a verification pass; The second forwarding module is configured to receive the target fund flow information returned by the at least one target second institution, and forward the target fund flow information to the first institution client.

9. An electronic device, comprising: The device includes a processor and a memory storing computer program instructions; The processor executes the computer program instructions to implement the steps of the fund flow information query method in any one of claims 1-4 or 5-6.

10. A computer-readable storage medium, characterized in that, The computer readable storage medium stores computer program instructions, and the computer program instructions are executed by the processor to implement the steps of the fund flow information query method in any one of claims 1-4 or 5-6.

11. A computer program product, characterised in that, The instructions in the computer program product, when executed by a processor of an electronic device, cause the electronic device to perform the steps of the fund flow information query method of any one of claims 1-4 or 5-6.

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