One-key verification method, system and device for newly opened bank accounts

Abstract

The present invention provides a one-key verification method, system and device for newly opened bank accounts, the method comprising: step S1, receiving the basic information of the customer, and performing format verification on the basic information; step S2, presenting the relevant authorization letter to the customer for the customer to sign, and saving the signing result; step S3, after the customer completes the signing, sending a verification request to multiple external data sources at the same time, the request containing the basic information of the customer and preset verification items; step S4, receiving the verification item hit result returned by the external data source, performing a comprehensive risk assessment on the customer through a preset risk scoring model to obtain a total risk score and a corresponding risk level, and generating a risk assessment report. The present invention can realize one-key verification of multi-dimensional risk information, and dynamically evaluate the customer's risk situation through a risk assessment model, so as to realize efficient and fast user verification and assessment.

Description

Technical Field

[0001] The present invention relates to the technical field of bank risk assessment, and in particular to a one-key verification method, system and device for newly opened bank accounts. Background Art

[0002] In recent years, the anti-money laundering and telecommunications network fraud crimes have become severe and complex. Faced with the shackles of limited monitoring and investigation methods and cumbersome internal management processes, banks have integrated "business, technology, and data" to enable anti-fraud work and launched a new account verification system. In the bank's new account opening business, the customer's identity information, credit status, risk level and other aspects are verified to ensure the security and compliance of the account. Traditional verification methods usually require manual login to multiple systems or platforms for query and comparison, which is cumbersome and inefficient, prone to human errors, and difficult to ensure the comprehensiveness and accuracy of the verification. Summary of the invention

[0003] The technical problem to be solved by the present invention is to provide a one-key verification method, system and equipment for new bank account opening, so as to solve the problem that the verification operation of customer risk level and other aspects in the existing new bank account opening business is cumbersome, time-consuming and error-prone.

[0004] In a first aspect, the present invention provides a one-key verification method for a new bank account, the method comprising:

[0005] Step S1, receiving the basic information of the customer and performing format verification on the basic information;

[0006] Step S2: Show the relevant authorization letter to the customer for signature, and save the signature result;

[0007] Step S3: After the customer completes the signing, a verification request is sent to multiple external data sources at the same time, wherein the request includes the customer's basic information and preset verification items;

[0008] Step S4: Receive the verification item hit results returned by the external data source, conduct a comprehensive risk assessment on the customer through a preset risk scoring model to obtain a total risk score and a corresponding risk level, and generate a risk assessment report.

[0009] Furthermore, the basic information includes customer name, certificate type, certificate number and mobile phone number.

[0010] Furthermore, the verification items include risk verification by the People's Bank of China, query on the bank-government link, warning model for new account opening between the police and the bank, anti-fraud blacklist of branches, sanctions list, online verification, three elements of mobile phone numbers, high risk of anti-money laundering, anti-fraud, online time of mobile phone numbers, online status of mobile phone numbers, and risk and value information of in-bank customers.

[0011] Furthermore, the risk scoring model includes a score division module, a data input module and a scoring module; the score division module is used to assign different risk levels to each verification item and scores corresponding to different risk levels to each verification item according to the severity of different risk factors; each score in the score division module is dynamically updated according to the case involved each month; the data input module is used to receive the verification item hit results returned by an external data source; the scoring module is used to perform statistical analysis on the verification item hit results according to the scores of the score division module and output a corresponding risk assessment report; the risk assessment report includes the customer's risk status, corresponding risk detailed information and corresponding recommended measures.

[0012] Furthermore, after step S4, the following steps are further included:

[0013] Step S5: Display the generated risk assessment report to bank staff on the bank's intranet interface, so that bank staff can make corresponding decisions based on the customer's risk status and detailed information on various risks;

[0014] Step S6: Automatically store the entire verification process and processing results in the bank's database for subsequent audit, query and statistical analysis. The verification process and processing results include the customer's original information, the time of verification, the data source used, detailed data of each verification result and the final processing decision.

[0015] In a second aspect, the present invention provides a one-key verification system for newly opened bank accounts, the system comprising:

[0016] The information input module is used to receive the basic information of the customer and perform format verification on the basic information;

[0017] The customer authorization module is used to display the relevant authorization letter to the customer for the customer to sign and save the signed result;

[0018] A verification request module, which is used to send a verification request to multiple external data sources at the same time after the customer completes the signing, wherein the request contains the basic information of the customer and preset verification items;

[0019] The report generation module is used to receive the verification item hit results returned by the external data source, conduct a comprehensive risk assessment on the customer through a preset risk scoring model to obtain the total risk score and the corresponding risk level, and generate a risk assessment report.

[0020] Furthermore, the basic information includes customer name, certificate type, certificate number and mobile phone number.

[0021] Furthermore, the verification items include risk verification by the People's Bank of China, query on the bank-government link, warning model for new account opening between the police and the bank, anti-fraud blacklist of branches, sanctions list, online verification, three elements of mobile phone numbers, high risk of anti-money laundering, anti-fraud, online time of mobile phone numbers, online status of mobile phone numbers, and risk and value information of in-bank customers.

[0022] Furthermore, the risk scoring model includes a score division module, a data input module and a scoring module; the score division module is used to assign different risk levels to each verification item and scores corresponding to different risk levels to each verification item according to the severity of different risk factors; each score in the score division module is dynamically updated according to the case involved each month; the data input module is used to receive the verification item hit results returned by an external data source; the scoring module is used to perform statistical analysis on the verification item hit results according to the scores of the score division module and output a corresponding risk assessment report; the risk assessment report includes the customer's risk status, corresponding risk detailed information and corresponding recommended measures.

[0023] Furthermore, the system also includes:

[0024] The decision-making module is used to display the generated risk assessment report to bank staff on the bank's intranet interface so that bank staff can make corresponding decisions based on the customer's risk status and detailed information on various risks;

[0025] The data preservation module is used to automatically store the entire verification process and processing results in the bank's database for subsequent audit, query and statistical analysis. The verification process and processing results include the customer's original information, the time of verification, the data source used, the detailed data of each verification result and the final processing decision.

[0026] In a third aspect, the present invention provides an electronic device comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor implements the method described in the first aspect when executing the program.

[0027] The present invention has the following advantages:

[0028] 1. One-click verification of multi-dimensional data for new account opening helps improve the efficiency of bank personal account opening, card issuance and card replacement, provides customers with more convenient and faster account opening services, reduces the tediousness and errors of manual operations, and effectively reduces the burden on grassroots units.

[0029] 2. Further strengthen the risk management of newly opened accounts, realize efficient, accurate and comprehensive customer information verification, effectively reduce the risk of bank account opening, improve the security and compliance of account opening business, and curb the high incidence of telecommunications fraud.

[0030] 3. Regularly upgrade and optimize the system, and appropriately adjust and optimize the verification process and risk assessment model according to one's own business needs and risk preferences to improve the accuracy and efficiency of the system. BRIEF DESCRIPTION OF THE DRAWINGS

[0031] The present invention will be further described below in conjunction with embodiments with reference to the accompanying drawings.

[0032] Figure 1 The present invention is a flowchart of a one-key verification method for opening a new bank account in the first embodiment of the present invention.

[0033] Figure 2 This is a schematic diagram of the structure of a one-key verification system for newly opened bank accounts in Embodiment 2 of the present invention.

[0034] Figure 3 It is a schematic diagram of the structure of an electronic device in Embodiment 3 of the present invention. DETAILED DESCRIPTION

[0035] The embodiments of the present application provide a one-click verification method, system and device for opening a new bank account, which are used to solve the problems of low efficiency and easy errors in user information verification in the existing new bank account opening process.

[0036] The technical solution in the embodiment of the present application has the following general idea: through the access portals of various systems, the industry, technology, and data are integrated for agile development, and technology empowers the construction of risk defense lines. Through "one-click verification", the first risk control defense line is formed to prevent victimization and case-related risks in advance, and strengthen business verification access. The function integrates internal and external multi-dimensional information. Before the branch handles business with customers, one-click query can be made to the branch's anti-fraud blacklist, sanctions list, etc., to form a preliminary "risk portrait" of the customer and improve the ability to verify risks in advance. According to the customer's "risk portrait", the customer is risk assessed and classified. If there is a risk, the system automatically generates a risk warning report, which lists the risk points and possible causes in detail. For people with higher risk registration, measures such as non-counter limits on accounts or restrictions on account opening can be taken.

[0037] In order to better understand the above technical solution, the technical solution of the present invention will be described in detail below in conjunction with the accompanying drawings and specific implementation methods.

[0038] Embodiment 1

[0039] This embodiment provides a one-key verification method for a new bank account. Figure 1 As shown, the method includes:

[0040] Step S1, receiving the basic information of the customer and performing format verification on the basic information, the basic information including the customer's name, ID type, ID number and mobile phone number; when the customer comes to the bank to open a new account, the bank staff guides the customer to log in to the one-key verification system on the counter / super counter, and inputs the basic information such as the customer's name, ID type, ID number, mobile phone number, etc. on the one-key verification system. The staff enters the customer information into the system accurately, and the system automatically performs format verification on the entered information, such as whether the number of digits in the ID card number is correct, whether the format of the phone number complies with the specification, etc. If the information format is incorrect, the system prompts the staff to correct it;

[0041] Step S2: Show the relevant authorization letter to the customer for signature, and save the signature result; the relevant authorization letter includes the legal liability notice for opening a bank account and the commitment letter not to participate in new illegal and criminal activities on the telecommunications network, etc. The signature result is directly saved in the system to achieve paperless function, which is convenient for later verification;

[0042] Step S3: After the customer completes the signing, a verification request is sent to multiple external data sources at the same time, and the request contains the customer's basic information and preset verification items; when the customer has signed the relevant authorization letter, he can click the "one-click verification" button on the system interface, and the system immediately sends a verification request to multiple external data sources at the same time, and the request contains the customer's key information, such as ID card, mobile phone number, etc.;

[0043] Step S4: Receive the hit results of the verification items returned by the external data source, conduct a comprehensive risk assessment on the customer through a preset risk scoring model to obtain a total risk score and a corresponding risk level, and generate a risk assessment report. The external data source includes a database and an external system, and the external data source includes the branch local database, Xiamen People's Bank, Xiamen Public Security Bureau, Provincial People's Bank of China Banking and Government Information Network, and the head office intelligent anti-fraud platform.

[0044] Preferably, the verification items include the People's Bank of China risk verification, bank-government communication query, police-bank communication new account opening warning model, branch anti-fraud blacklist, sanctions list, online verification, three elements of mobile phone number, anti-money laundering high risk, anti-fraud, mobile phone number online time, mobile phone number online status, and internal customer risk and value information. Based on the results of various verifications, the system conducts a comprehensive risk assessment on the customer.

[0045] The risk verification of the People's Bank of China is obtained by accessing the settlement interface of the People's Bank of Xiamen. The query of the Bank-Government Link is realized through the interface provided by the provincial People's Bank of China's Bank-Securities Link system. The new account opening warning model of the Police-Bank Link is queried through the external interface (ICC interface) of the Police-Bank Link system provided by the Municipal Public Security Bureau. The anti-fraud blacklist of the branch is obtained by querying the local database of the branch. The remaining information, including the sanctions list, online verification, three elements of mobile phone numbers, high risk of anti-money laundering, anti-fraud, online time of mobile phone numbers, online status of mobile phone numbers, and risk and value information of in-bank customers, are obtained through the intelligent anti-fraud platform of the head office. The online verification is used to query the validity of each identity document, and the three elements of the mobile phone number refer to whether the mobile phone number, the corresponding name and the certificate number match.

[0046] Preferably, the risk scoring model comprises a score division module, a data input module and a scoring module; the score division module is used to assign different risk levels to each verification item and scores corresponding to different risk levels to each verification item according to the severity of different risk factors, and each score in the score division module is dynamically updated according to the case involved each month; the data input module is used to receive the verification item hit results returned by an external data source; the scoring module is used to perform statistical analysis on the verification item hit results according to the scores of the score division module and output a corresponding risk assessment report, and the risk assessment report includes the customer's risk status, corresponding risk detailed information and corresponding recommended measures.

[0047] The total risk score can be divided into risk levels: 0-60 points are defined as low risk, 60-80 points are defined as medium risk, and 80 points and above are defined as high risk. In a specific embodiment, the specific hit scores are shown in the following Table 1 (risk scoring model scores):

[0048] Table 1

[0049]

[0050] The scores in Table 1 are dynamically adjusted based on the number of cases involved each month.

[0051] The specific calculation method of the scoring module is as follows:

[0052] If the risk is high in the risk verification of the People's Bank of China, the score will be 85 points. If multiple risk items are hit, the total score is the sum of the scores of each risk item. For example, if A1, B1, and C1 are hit, the total score is A1+B1+C1, and so on. At the same time, a detailed verification result report is generated, which includes the customer's basic information, the specific circumstances of each verification result, the risk level assessment, and the recommended treatment measures.

[0053] For example, for low-risk customers, the account opening access strategy is: allow account opening, understand the customer's real purpose of opening an account, and conduct due diligence on the customer.

[0054] For medium-risk customers, the account opening access strategy is: it is recommended to further verify relevant information or require customers to provide supplementary materials, and after the account is opened, measures such as limiting the customer's non-counter limit are taken, and the limit is generally below 5,000;

[0055] For high-risk customers, the account opening access strategy is: refuse to open accounts at super counters and guide customers to handle business at the counter; if the verification materials fail, the account opening will be refused.

[0056] Preferably, the step S4 further includes:

[0057] Step S5: Display the generated risk assessment report on the bank's intranet interface to bank staff so that they can make corresponding decisions based on the customer's risk status and detailed information on various risks. The risk assessment report is not displayed to customers for viewing, but is only provided to staff to intuitively see the customer's risk status and detailed information so as to make accurate decisions. According to the total score calculated by the risk scoring model, the customer is classified into different risk levels and different strategies are adopted.

[0058] Step S6: The entire verification process and processing results are automatically stored in the bank's database for subsequent audit, query and statistical analysis. The verification process and processing results include the customer's original information, the time of verification, the data source used, the detailed data of each verification result and the final processing decision. These records will be stored in the bank's database for subsequent audit, query and statistical analysis.

[0059] Based on the same inventive concept, the present application also provides a device corresponding to the method in Example 1, see Example 2 for details.

[0060] Embodiment 2

[0061] This embodiment provides a one-key verification system for new bank account opening, such as Figure 2 As shown, the system comprises:

[0062] The information entry module is used to receive the basic information of the customer and perform format verification on the basic information, which includes the customer's name, ID type, ID number and mobile phone number. When a customer comes to the bank to open a new account, the bank staff guides the customer to log in to the one-key verification system on the counter / super counter, and enter the customer's name, ID type, ID number, mobile phone number and other basic information on the one-key verification system. The staff enters the customer information into the system accurately, and the system automatically performs format verification on the entered information, such as whether the number of digits in the ID number is correct, whether the format of the phone number complies with the specification, etc. If the information format is incorrect, the system prompts the staff to correct it;

[0063] The customer authorization module is used to display the relevant authorization letters to customers for them to sign and save the signed results; the relevant authorization letters include the legal liability notice for opening a bank account and the commitment letter not to participate in new illegal and criminal activities on the telecommunications network, etc. The signed results are directly saved in the system to achieve paperless function and facilitate later verification;

[0064] The verification request module is used to send verification requests to multiple external data sources at the same time after the customer completes the signature. The request contains the customer's basic information and preset verification items. After the customer signs the relevant authorization letter, he can click the "one-click verification" button on the system interface, and the system will immediately send verification requests to multiple external data sources at the same time. The request contains the customer's key information, such as ID card, mobile phone number, etc.;

[0065] The report generation module is used to receive the verification item hit results returned by the external data source, conduct a comprehensive risk assessment on the customer through a preset risk scoring model to obtain the total risk score and the corresponding risk level, and generate a risk assessment report.

[0066] Preferably, the verification items include the People's Bank of China risk verification, bank-government communication query, police-bank communication new account opening warning model, branch anti-fraud blacklist, sanctions list, online verification, three elements of mobile phone number, anti-money laundering high risk, anti-fraud, mobile phone number online time, mobile phone number online status, and internal customer risk and value information. Based on the results of various verifications, the system conducts a comprehensive risk assessment on the customer.

[0067] The risk check of the People's Bank of China is obtained by accessing the settlement interface of the People's Bank of Xiamen. The query of the Bank-Government Link is realized through the interface provided by the provincial People's Bank of China's Bank-Securities Link system. The new account opening warning model of the Police-Bank Link is queried through the external interface (ICC interface) of the Police-Bank Link system provided by the Municipal Public Security Bureau. The anti-fraud blacklist of the branch is obtained by querying the local database of the branch. The remaining information including the sanctions list, online verification, 3 elements of mobile phone number, high risk of anti-money laundering, anti-fraud, online time of mobile phone number, online status of mobile phone number, risk and value information of in-bank customers are obtained through the intelligent anti-fraud platform of the head office. The online verification is used to query the validity of each identity document, and whether the 3 elements of the mobile phone number refer to the mobile phone number, the corresponding name and the certificate number.

[0068] Preferably, the risk scoring model comprises a score division module, a data input module and a scoring module; the score division module is used to assign different risk levels to each verification item and scores corresponding to different risk levels to each verification item according to the severity of different risk factors, and each score in the score division module is dynamically updated according to the case involved each month; the data input module is used to receive the verification item hit results returned by an external data source; the scoring module is used to perform statistical analysis on the verification item hit results according to the scores of the score division module and output a corresponding risk assessment report, and the risk assessment report includes the customer's risk status, corresponding risk detailed information and corresponding recommended measures.

[0069] The total risk score can be divided into risk levels: 0-60 points are defined as low risk, 60-80 points are defined as medium risk, and 80 points and above are defined as high risk. In a specific embodiment, the specific hit scores are shown in the following Table 1 (risk scoring model scores):

[0070] Table 1

[0071]

[0072] The scores in Table 1 are dynamically adjusted based on the number of cases involved each month.

[0073] The specific calculation method of the scoring module is as follows:

[0074] If the risk is high in the risk verification of the People's Bank of China, the score will be 85 points. If multiple risk items are hit, the total score is the sum of the scores of each risk item. For example, if A1, B1, and C1 are hit, the total score is A1+B1+C1, and so on. At the same time, a detailed verification result report is generated, which includes the customer's basic information, the specific circumstances of each verification result, the risk level assessment, and the recommended treatment measures.

[0075] For example, for low-risk customers, the account opening access strategy is: allow account opening, understand the customer's real purpose of opening an account, and conduct due diligence on the customer.

[0076] For medium-risk customers, the account opening access strategy is: it is recommended to further verify relevant information or require customers to provide supplementary materials, and after the account is opened, measures such as limiting the customer's non-counter limit are taken, and the limit is generally below 5,000;

[0077] For high-risk customers, the account opening access strategy is: refuse to open accounts at super counters and guide customers to handle business at the counter; if the verification materials fail, the account opening will be refused.

[0078] Preferably, the system further comprises:

[0079] The decision-making module is used to display the generated risk assessment report to bank staff on the bank's intranet interface so that bank staff can make corresponding decisions based on the customer's risk status and detailed information on various risks;

[0080] The data preservation module is used to automatically store the entire verification process and processing results in the bank's database for subsequent audit, query and statistical analysis. The verification process and processing results include the customer's original information, the time of verification, the data source used, the detailed data of each verification result and the final processing decision.

[0081] After one year of application, the system found that there were 3 newly opened fraudulent accounts in the first half of the year, a decrease of 26 accounts and 87.65 percentage points compared with the same period last year. The prevention and control effect of newly opened accounts is good.

[0082] Since the system introduced in the second embodiment of the present invention is a system corresponding to the method of the first embodiment of the present invention, those skilled in the art can understand the specific structure and deformation of the device based on the method introduced in the first embodiment of the present invention, so it is not described here in detail. All systems adopted by the method of the first embodiment of the present invention belong to the scope of protection of the present invention.

[0083] Based on the same inventive concept, the present application provides an electronic device embodiment corresponding to the first embodiment, see the third embodiment for details.

[0084] Embodiment 3

[0085] This embodiment provides an electronic device, such as Figure 3 As shown, it includes a memory, a processor, and a computer program stored in the memory and executable on the processor. When the processor executes the computer program, any implementation method in the first embodiment can be implemented.

[0086] Since the electronic device introduced in this embodiment is a device used to implement the method in the first embodiment of the present application, based on the method introduced in the first embodiment of the present application, a person skilled in the art can understand the specific implementation of the electronic device of the present embodiment and its various variations, so how the electronic device implements the method in the embodiment of the present application is not described in detail here. As long as a person skilled in the art implements the device used by the method in the embodiment of the present application, it belongs to the scope of protection of the present application.

[0087] The present invention integrates and applies internal and external multi-dimensional data, applies advanced data analysis technologies such as big data processing, establishes a pre-verification prevention operation system, effectively combats money laundering and telecommunications network fraud crimes, reduces the risk of bank accounts involved in cases, forms a risk dynamic management mechanism, greatly reduces the burden of grassroots work, strengthens monitoring methods, strengthens risk prevention and control, and provides effective clues for regulatory authorities to jointly combat crime. For example, by jointly carrying out the "Shield Building" activity with the Anti-Fraud Center of the Public Security Bureau, a police-bank communication system can be further established to analyze the risk data provided by the Municipal Public Security Bureau, screen potential high-risk customers who are defrauded, and through timely dissuasion and door-to-door warning by the public security, customers can be effectively prevented from continuing to be deceived. Further deepen the data cooperation between the public security and banks, effectively reduce the risk of bank accounts involved in cases, and build a solid financial security line for the people.

[0088] Although the specific implementation modes of the present invention are described above, those skilled in the art should understand that the specific implementation modes described are only illustrative and are not intended to limit the scope of the present invention. Equivalent modifications and changes made by those skilled in the art in accordance with the spirit of the present invention should be included in the scope of protection of the claims of the present invention.

Claims

1. A one-key verification method for newly opened bank accounts, characterized in that: The method comprises: Step S1, receiving the basic information of the customer and performing format verification on the basic information; Step S2: Show the relevant authorization letter to the customer for signature, and save the signature result; Step S3: After the customer completes the signing, a verification request is sent to multiple external data sources at the same time, wherein the request includes the customer's basic information and preset verification items; Step S4: Receive the verification item hit results returned by the external data source, conduct a comprehensive risk assessment on the customer through a preset risk scoring model to obtain a total risk score and a corresponding risk level, and generate a risk assessment report.

2. A one-key verification method for newly opened bank accounts according to claim 1, characterized in that: The basic information includes customer name, ID type, ID number and mobile phone number.

3. A one-key verification method for newly opened bank accounts according to claim 1, characterized in that: The verification items include risk verification by the People's Bank of China, query on the bank-government link, warning model for new account opening through the police-bank link, anti-fraud blacklist of branches, sanctions list, online verification, three elements of mobile phone numbers, high risk of anti-money laundering, anti-fraud, online time of mobile phone numbers, online status of mobile phone numbers, and risk and value information of in-bank customers.

4. A one-key verification method for newly opened bank accounts according to claim 1, characterized in that: The risk scoring model includes a score division module, a data input module and a scoring module; the score division module is used to assign different risk levels to each verification item and scores corresponding to different risk levels to each verification item according to the severity of different risk factors; each score in the score division module is dynamically updated according to the case involved each month; the data input module is used to receive the verification item hit results returned by an external data source; the scoring module is used to perform statistical analysis on the verification item hit results according to the scores of the score division module and output a corresponding risk assessment report; the risk assessment report includes the customer's risk status, corresponding risk detailed information and corresponding recommended measures.

5. A one-key verification method for newly opened bank accounts according to claim 1, characterized in that: After step S4, the following steps are also included: Step S5: Display the generated risk assessment report to bank staff on the bank's intranet interface, so that bank staff can make corresponding decisions based on the customer's risk status and detailed information on various risks; Step S6: Automatically store the entire verification process and processing results in the bank's database for subsequent audit, query and statistical analysis. The verification process and processing results include the customer's original information, the time of verification, the data source used, detailed data of each verification result and the final processing decision.

6. A one-key verification system for newly opened bank accounts, characterized in that: The system comprises: The information input module is used to receive the basic information of the customer and perform format verification on the basic information; The customer authorization module is used to display the relevant authorization letter to the customer for the customer to sign and save the signed result; A verification request module, used to send a verification request to multiple external data sources at the same time after the customer completes the signing, wherein the request contains the basic information of the customer and preset verification items; The report generation module is used to receive the verification item hit results returned by the external data source, conduct a comprehensive risk assessment on the customer through a preset risk scoring model to obtain the total risk score and the corresponding risk level, and generate a risk assessment report.

7. A one-key verification system for newly opened bank accounts according to claim 6, characterized in that: The verification items include risk verification by the People's Bank of China, query on the bank-government link, warning model for new account opening through the police-bank link, anti-fraud blacklist of branches, sanctions list, online verification, three elements of mobile phone numbers, high risk of anti-money laundering, anti-fraud, online time of mobile phone numbers, online status of mobile phone numbers, and risk and value information of in-bank customers.

8. A one-key verification system for newly opened bank accounts according to claim 6, characterized in that: The risk scoring model includes a score division module, a data input module and a scoring module; the score division module is used to assign different risk levels to each verification item and scores corresponding to different risk levels to each verification item according to the severity of different risk factors; each score in the score division module is dynamically updated according to the case involved each month; the data input module is used to receive the verification item hit results returned by an external data source; the scoring module is used to perform statistical analysis on the verification item hit results according to the scores of the score division module and output a corresponding risk assessment report; the risk assessment report includes the customer's risk status, corresponding risk detailed information and corresponding recommended measures.

9. A one-key verification system for newly opened bank accounts according to claim 6, characterized in that: The system further comprises: The decision-making module is used to display the generated risk assessment report to bank staff on the bank's intranet interface so that bank staff can make corresponding decisions based on the customer's risk status and detailed information on various risks; The data preservation module is used to automatically store the entire verification process and processing results in the bank's database for subsequent audit, query and statistical analysis. The verification process and processing results include the customer's original information, the time of verification, the data source used, the detailed data of each verification result and the final processing decision.

10. An electronic device comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, characterized in that: When the processor executes the program, the method according to any one of claims 1 to 5 is implemented.

Images