Unified customer real name authentication method and system

Abstract

The invention provides a unified customer real-name authentication method and system. The unified customer real-name authentication method comprises the following steps: downwards transmitting a verification mode and a verification flow to each specific service; judging whether shopping cart real-name authentication is carried out or not; when real-name authentication is carried out on the shopping cart, a public verification mode and an authentication flow are obtained; and then, the verification mode is judged, and unified client real-name authentication is completed. According to the technical scheme, the number of times of existing real-name authentication is reduced in the service acceptance process, interaction with a paperless system is carried out in a shopping cart, and the purpose that multiple services of a user are authenticated at a time is achieved; meanwhile, real name authentication is not repeatedly carried out in the shopping cart for the business of real name image comparison or card reading in public verification; the business handling time is shortened, and different portrait comparison interfaces can be provided according to different verification modes.

Description

Background Art

[0002] At present, various technologies are developing rapidly, and various information may be leaked and stolen through various channels. Therefore, the real-name comparison of customers and the secondary confirmation of services in the acceptance of telecommunications services have become increasingly important. At present, when accepting key services, some public verification offices conduct customer portrait comparisons, but this is not suitable for users who open accounts without ID cards; some real-name portrait comparisons are conducted during the service acceptance process, but when customers need to accept multiple services, multiple real-name portrait comparisons are required.

[0003] Based on the existing business acceptance model, the business acceptance process requires multiple real-name photos and ID scans of customers, and each business controls it independently. First, multiple comparisons will cause customer dissatisfaction and reduce customer satisfaction; second, businesses that require real-name authentication need to be transformed and connected to paperless real-name authentication, which is difficult to maintain uniformly. Summary of the invention

[0004] The present application provides a method and system for unified customer real-name authentication, which is used to shorten business processing time and automatically provide different portrait comparison interfaces according to different verification methods.

[0005] In a first aspect, a method for unified customer real-name authentication is provided, comprising the following steps:

[0006] Deliver the verification method and verification flow downward to each specific business;

[0007] Determine whether to perform real-name authentication on the shopping cart;

[0008] When performing real-name authentication for a shopping cart, obtain the public verification method and authentication flow;

[0009] Then, determine the verification method and complete unified customer real-name authentication.

[0010] In the above technical scheme, the verification method and verification flow are passed down to each specific business; it is determined whether to perform real-name authentication of the shopping cart; when the real-name authentication of the shopping cart is performed, the public verification method and authentication flow are obtained; then, the verification method is determined to complete the unified customer real-name authentication; the existing real-name authentication times are reduced in the business acceptance process, and the shopping cart interacts with the paperless system to achieve the purpose of authenticating multiple businesses of the user at one time; at the same time, for the business that has already performed real-name portrait comparison or card reading in the public verification, the real-name authentication is no longer repeated in the shopping cart; it not only shortens the business processing time, but also can automatically provide different portrait comparison interfaces according to different verification methods.

[0011] In a specific implementation scheme, when real-name authentication of the shopping cart is not performed, the acceptance form is printed and the business is processed.

[0012] In a specific implementation plan, the verification method is judged to complete the steps of unified customer real-name authentication, specifically including:

[0013] When the verification method is card reading and portrait verification, portrait verification or photo taking will not be displayed;

[0014] When the verification method is simple card reading, the portrait photo will be displayed.

[0015] In a specific embodiment, it also includes:

[0016] Pass the verification method and paperless verification flow to the shopping cart.

[0017] Second, a unified customer real-name authentication system is provided, including:

[0018] Configuration module, used to pass down the verification method and verification flow to each specific business;

[0019] The shopping cart real-name authentication judgment module is used to determine whether to perform shopping cart real-name authentication;

[0020] The verification method judgment module is used to judge the verification method and complete unified customer real-name authentication.

[0021] In the above technical scheme, the verification method and verification flow are passed down to each specific business; it is determined whether to perform real-name authentication of the shopping cart; when the real-name authentication of the shopping cart is performed, the public verification method and authentication flow are obtained; then, the verification method is determined to complete the unified customer real-name authentication; the existing real-name authentication times are reduced in the business acceptance process, and the shopping cart interacts with the paperless system to achieve the purpose of authenticating multiple businesses of the user at one time; at the same time, for the business that has already performed real-name portrait comparison or card reading in the public verification, the real-name authentication is no longer repeated in the shopping cart; it not only shortens the business processing time, but also can automatically provide different portrait comparison interfaces according to different verification methods.

[0022] In a specific implementation scheme, when performing real-name authentication of a shopping cart, a public verification method and authentication flow are obtained;

[0023] When real-name authentication is not performed for the shopping cart, the acceptance form will be printed and the business will be processed.

[0024] In a specific implementation plan, the verification method is judged and the unified customer real-name authentication is completed, which specifically includes:

[0025] When the verification method is card reading and portrait verification, portrait verification or photo taking will not be displayed;

[0026] When the verification method is simple card reading, the portrait photo will be displayed.

[0027] In a specific embodiment, it also includes:

[0028] The business public assembly message module is used to pass the verification method and paperless verification flow to the shopping cart.

[0029] In a third aspect, an electronic device is provided, comprising a processor, the processor being coupled to a memory, the memory storing at least one computer program, the at least one computer program being loaded and executed by the processor so that the electronic device implements any one of the methods for unified customer real-name authentication.

[0030] In the above technical scheme, the verification method and verification flow are passed down to each specific business; it is determined whether to perform real-name authentication of the shopping cart; when the real-name authentication of the shopping cart is performed, the public verification method and authentication flow are obtained; then, the verification method is determined to complete the unified customer real-name authentication; the existing real-name authentication times are reduced in the business acceptance process, and the shopping cart interacts with the paperless system to achieve the purpose of authenticating multiple businesses of the user at one time; at the same time, for the business that has already performed real-name portrait comparison or card reading in the public verification, the real-name authentication is no longer repeated in the shopping cart; it not only shortens the business processing time, but also can automatically provide different portrait comparison interfaces according to different verification methods.

[0031] In a fourth aspect, a computer-readable storage medium is provided, in which at least one computer program is stored. The at least one computer program is loaded and executed by a processor so that the computer-readable storage medium implements any one of the methods for unified customer real-name authentication.

[0032] In the above technical scheme, the verification method and verification flow are passed down to each specific business; it is determined whether to perform real-name authentication of the shopping cart; when the real-name authentication of the shopping cart is performed, the public verification method and authentication flow are obtained; then, the verification method is determined to complete the unified customer real-name authentication; the existing real-name authentication times are reduced in the business acceptance process, and the shopping cart interacts with the paperless system to achieve the purpose of authenticating multiple businesses of the user at one time; at the same time, for the business that has already performed real-name portrait comparison or card reading in the public verification, the real-name authentication is no longer repeated in the shopping cart; it not only shortens the business processing time, but also can automatically provide different portrait comparison interfaces according to different verification methods. BRIEF DESCRIPTION OF THE DRAWINGS

[0033] Figure 1 A flowchart of a unified customer real-name authentication method provided in an embodiment of the present application;

[0034] Figure 2 A structural block diagram of a unified customer real-name authentication system provided in an embodiment of the present application;

[0035] Figure 3 A specific flow chart of the method for unified customer real-name authentication provided in an embodiment of the present application. DETAILED DESCRIPTION

[0036] The present application is further described in detail below through the accompanying drawings and embodiments. Through these descriptions, the characteristics and advantages of the present application will become clearer and more specific.

[0037] The word "exemplary" is used exclusively herein to mean "serving as an example, embodiment, or illustration." Any embodiment described herein as "exemplary" is not necessarily to be construed as preferred or advantageous over other embodiments. Although various aspects of the embodiments are shown in the drawings, the drawings are not necessarily drawn to scale unless otherwise noted.

[0038] In addition, the technical features involved in different embodiments of the present application described below can be combined with each other as long as they do not conflict with each other.

[0039] To facilitate understanding of the unified customer real-name authentication method and system provided in the embodiment of the present application, its application scenario is first explained. The unified customer real-name authentication method and system provided in the embodiment of the present application are used to shorten the business processing time, and can automatically provide different portrait comparison interfaces according to different verification methods. At present, various technologies are developing rapidly, and various information may be leaked and stolen in various channels. For this reason, the real-name comparison of customers and the secondary confirmation of services in the acceptance of telecommunications services have become increasingly important. At present, when key services are accepted, some public verification offices conduct customer portrait comparisons, but this type is not suitable for users who open accounts with non-ID card documents; some are customer real-name portrait comparisons during business acceptance, but when customers need to accept multiple services, multiple real-name portrait comparisons are required. Based on the existing business acceptance model, it is necessary to take real-name photos and scan documents of customers multiple times during the business acceptance process, and each business is controlled by itself. First, multiple comparisons will cause customer dissatisfaction and reduce customer satisfaction; second, the services that require real-name authentication need to be transformed and connected to paperless for real-name authentication, which is not easy to maintain uniformly. To this end, the present application embodiment provides a unified customer real-name authentication method and system to shorten the service processing time and automatically provide different portrait comparison interfaces according to different verification methods. The following is a detailed description of the embodiment in conjunction with specific drawings.

[0040] refer to Figures 1 to 3 , a flowchart of a method for unified customer real-name authentication provided in an embodiment of the present application; Figure 2 A structural block diagram of a unified customer real-name authentication system provided in an embodiment of the present application; Figure 3A specific flow chart of the method for unified customer real-name authentication provided in an embodiment of the present application.

[0041] exist Figure 1 In the embodiment of the present application, a method for unified customer real-name authentication is provided, comprising the following steps:

[0042] Deliver the verification method and verification flow downward to each specific business;

[0043] Determine whether to perform real-name authentication on the shopping cart;

[0044] When performing real-name authentication for a shopping cart, obtain the public verification method and authentication flow;

[0045] Then, determine the verification method and complete unified customer real-name authentication.

[0046] In the above technical scheme, the verification method and verification flow are passed down to each specific business; it is determined whether to perform real-name authentication of the shopping cart; when the real-name authentication of the shopping cart is performed, the public verification method and authentication flow are obtained; then, the verification method is determined to complete the unified customer real-name authentication; the existing real-name authentication times are reduced in the business acceptance process, and the shopping cart interacts with the paperless system to achieve the purpose of authenticating multiple businesses of the user at one time; at the same time, for the business that has already performed real-name portrait comparison or card reading in the public verification, the real-name authentication is no longer repeated in the shopping cart; it not only shortens the business processing time, but also can automatically provide different portrait comparison interfaces according to different verification methods.

[0047] In a specific implementation scheme, when real-name authentication of the shopping cart is not performed, the acceptance form is printed and the business is processed.

[0048] In a specific implementation plan, the verification method is judged to complete the steps of unified customer real-name authentication, specifically including:

[0049] When the verification method is card reading and portrait verification, portrait verification or photo taking will not be displayed;

[0050] When the verification method is simple card reading, the portrait photo will be displayed.

[0051] In a specific embodiment, it also includes:

[0052] Pass the verification method and paperless verification flow to the shopping cart.

[0053] Specifically, refer to Figure 3Currently, there are two main public verification methods for real-name authentication: Verification method 1: use a card reader to read the ID card and take a photo of the person at the same time, and automatically do a paperless portrait comparison; Verification method 2: use a card reader to read the ID card without doing a portrait comparison. In this embodiment, the unified customer real-name authentication method includes the following steps:

[0054] Added configuration table ① to store the business module codes that require unified real-name authentication;

[0055] After public verification, the verification method and verification flow are uniformly passed down to each specific business;

[0056] The business public assembly message module transmits the verification method and paperless verification flow to the shopping cart;

[0057] The shopping cart determines whether unified real-name authentication is required and displays the real-name portrait comparison operation interface in the shopping cart. At the same time, judgment processing is performed for public verification methods;

[0058] If the verification method is one, the shopping cart will no longer display the portrait comparison authentication; if the verification method is two, only the portrait photo button will be displayed, and there is no need to scan the customer's ID card; if it is other authentication methods, the photo button will be displayed and retained in the paperless system;

[0059] When printing without filling out the form, the real-name authentication information will be attached to the business acceptance form and the user will sign for confirmation.

[0060] In this embodiment, first, the business acceptance part: 1. No longer perform the customer real-name portrait comparison authentication operation; 2. Pass the public authentication flow and authentication method to the back end. Second, the shopping cart part: 1. Determine whether to use unified real-name authentication and whether to display the real-name authentication interface; 2. Determine the public authentication method and authentication flow, determine whether to display or hide the corresponding real-name authentication and what type of real-name authentication to display.

[0061] In the above technical solution, a new configuration table ① is added to store the business module codes that require unified real-name authentication; the business message public assembly module passes the public verification method and verification flow to the shopping cart; the shopping cart adds judgments on the business module, verification method and verification flow to determine whether the real-name authentication interface needs to be displayed in the shopping cart of the same customer, and what type of real-name authentication interface to display; the number of customer real-name authentications is reduced, and the business processing efficiency is improved; for businesses that require real-name authentication, it is only necessary to add a new business module configuration in the shopping cart, so that multiple business transactions can be processed with only one portrait comparison; if it is necessary to go to the public verification stage in advance for customer real-name authentication in the future, it is only necessary to configure the corresponding public verification method to the business module without the need for program modification.

[0062] exist Figure 2In the embodiment of the present application, a system for unified customer real-name authentication is provided, including:

[0063] Configuration module, used to pass down the verification method and verification flow to each specific business;

[0064] The shopping cart real-name authentication judgment module is used to determine whether to perform shopping cart real-name authentication;

[0065] The verification method judgment module is used to judge the verification method and complete unified customer real-name authentication.

[0066] In the above technical scheme, the verification method and verification flow are passed down to each specific business; it is determined whether to perform real-name authentication of the shopping cart; when the real-name authentication of the shopping cart is performed, the public verification method and authentication flow are obtained; then, the verification method is determined to complete the unified customer real-name authentication; the existing real-name authentication times are reduced in the business acceptance process, and the shopping cart interacts with the paperless system to achieve the purpose of authenticating multiple businesses of the user at one time; at the same time, for the business that has already performed real-name portrait comparison or card reading in the public verification, the real-name authentication is no longer repeated in the shopping cart; it not only shortens the business processing time, but also can automatically provide different portrait comparison interfaces according to different verification methods.

[0067] In a specific implementation scheme, when performing real-name authentication of a shopping cart, a public verification method and authentication flow are obtained;

[0068] When real-name authentication is not performed for the shopping cart, the acceptance form will be printed and the business will be processed.

[0069] In a specific implementation plan, the verification method is judged and the unified customer real-name authentication is completed, which specifically includes:

[0070] When the verification method is card reading and portrait verification, portrait verification or photo taking will not be displayed;

[0071] When the verification method is simple card reading, the portrait photo will be displayed.

[0072] In a specific embodiment, it also includes:

[0073] The business public assembly message module is used to pass the verification method and paperless verification flow to the shopping cart.

[0074] An embodiment of the present application also provides an electronic device, which includes a processor, the processor is coupled to a memory, and the memory stores at least one computer program. The at least one computer program is loaded and executed by the processor so that the electronic device implements any one of the methods for unified customer real-name authentication.

[0075] In the above technical scheme, the verification method and verification flow are passed down to each specific business; it is determined whether to perform real-name authentication of the shopping cart; when the real-name authentication of the shopping cart is performed, the public verification method and authentication flow are obtained; then, the verification method is determined to complete the unified customer real-name authentication; the existing real-name authentication times are reduced in the business acceptance process, and the shopping cart interacts with the paperless system to achieve the purpose of authenticating multiple businesses of the user at one time; at the same time, for the business that has already performed real-name portrait comparison or card reading in the public verification, the real-name authentication is no longer repeated in the shopping cart; it not only shortens the business processing time, but also can automatically provide different portrait comparison interfaces according to different verification methods.

[0076] An embodiment of the present application also provides a computer-readable storage medium, in which at least one computer program is stored. The at least one computer program is loaded and executed by a processor so that the computer-readable storage medium implements any one of the methods for unified customer real-name authentication.

[0077] In the above technical scheme, the verification method and verification flow are passed down to each specific business; it is determined whether to perform real-name authentication of the shopping cart; when the real-name authentication of the shopping cart is performed, the public verification method and authentication flow are obtained; then, the verification method is determined to complete the unified customer real-name authentication; the existing real-name authentication times are reduced in the business acceptance process, and the shopping cart interacts with the paperless system to achieve the purpose of authenticating multiple businesses of the user at one time; at the same time, for the business that has already performed real-name portrait comparison or card reading in the public verification, the real-name authentication is no longer repeated in the shopping cart; it not only shortens the business processing time, but also can automatically provide different portrait comparison interfaces according to different verification methods.

[0078] Those skilled in the art will appreciate that the present application may be implemented as a system, method or computer program product.

[0079] Therefore, the present disclosure may be specifically implemented in the following forms, namely: it may be completely hardware, it may be completely software (including firmware, resident software, microcode, etc.), or it may be a combination of hardware and software, generally referred to herein as a "circuit", "module" or "system". In addition, in some embodiments, the present application may also be implemented in the form of a computer program product in one or more computer-readable media, and the computer-readable medium may contain computer-readable program code.

[0080] Any combination of one or more computer-readable media can be used. Computer-readable media can be computer-readable signal media or computer-readable storage media. Computer-readable storage media can be, for example, but not limited to, electrical, magnetic, optical, electromagnetic, infrared, or semiconductor systems, devices or devices, or any combination of the above. More specific examples (non-exhaustive list) of computer-readable storage media include: electrical connections with one or more wires, portable computer disks, hard disks, random access memories (RAM), read-only memories (ROM), erasable programmable read-only memories (EPROM or flash memory), optical fibers, portable compact disk read-only memories (CD-ROM), optical storage devices, magnetic storage devices, or any suitable combination of the above. In this document, computer-readable storage media can be any tangible medium containing or storing a program, which can be used by an instruction execution system, device or device or used in combination with it.

[0081] Although the embodiments of the present application have been shown and described above, it is understood that the above embodiments are exemplary and cannot be understood as limiting the present application. A person of ordinary skill in the art can change, modify, replace and modify the above embodiments within the scope of the present application. On this basis, a variety of replacements and improvements can be made to the present application, all of which fall within the scope of protection of the present application.

Claims

1. A method for unified customer real-name authentication, characterized in that: The following steps are involved: Deliver the verification method and verification flow downward to each specific business; Determine whether to perform real-name authentication on the shopping cart; When performing real-name authentication for a shopping cart, obtain the public verification method and authentication flow; Then, determine the verification method and complete unified customer real-name authentication.

2. The method for unified customer real-name authentication according to claim 1, characterized in that: When real-name authentication is not performed for the shopping cart, the acceptance form will be printed and the business will be processed.

3. The method for unified customer real-name authentication according to claim 2, characterized in that: Determine the verification method and complete the steps of unified customer real-name authentication, including: When the verification method is card reading and portrait verification, portrait verification or photo taking will not be displayed; When the verification method is simple card reading, the portrait photo will be displayed.

4. The method for unified customer real-name authentication according to claim 3, characterized in that: Also includes: Pass the verification method and paperless verification flow to the shopping cart.

5. A unified customer real-name authentication system, characterized in that: include: Configuration module, used to pass down the verification method and verification flow to each specific business; The shopping cart real-name authentication judgment module is used to determine whether to perform shopping cart real-name authentication; The verification method judgment module is used to judge the verification method and complete unified customer real-name authentication.

6. The unified customer real-name authentication system according to claim 5, characterized in that: When performing real-name authentication for a shopping cart, obtain the public verification method and authentication flow; When real-name authentication is not performed for the shopping cart, the acceptance form will be printed and the business will be processed.

7. The unified customer real-name authentication system according to claim 6, characterized in that: Determine the verification method and complete the unified customer real-name authentication, including: When the verification method is card reading and portrait verification, portrait verification or photo taking will not be displayed; When the verification method is simple card reading, the portrait photo will be displayed.

8. The unified customer real-name authentication system according to claim 7, characterized in that: Also includes: The business public assembly message module is used to pass the verification method and paperless verification flow to the shopping cart.

9. An electronic device, characterized in that: The electronic device includes a processor, the processor is coupled to a memory, the memory stores at least one computer program, and the at least one computer program is loaded and executed by the processor so that the electronic device implements the method for unified customer real-name authentication as described in any one of claims 1 to 4.

10. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores at least one computer program, and the at least one computer program is loaded and executed by the processor so that the computer-readable storage medium implements the method for unified customer real-name authentication as described in any one of claims 1 to 4.

Images