Personal pension account opening method and device

Abstract

The invention discloses a personal pension account opening method and device, and relates to the technical field of 5G, the method is applied to a 5G business processing platform, and the method comprises the steps: receiving a personal pension account opening request initiated by a user in any channel; a customized personal pension account opening page corresponding to the account opening channel identifier is obtained and displayed to the user, and the user inputs account opening information on the page; the 5G business processing platform obtains corresponding bank card binding rule information according to the account opening channel identifier, audits the account opening information in combination with operator system authentication, and opens a personal pension account and a personal pension fund account after the auditing is passed; sending the personal pension account, the personal pension fund account and the bank card information to a bank system for binding; and after successful binding, sending a personal pension account opening result to the user through a 5G message. According to the invention, unified processing of individual pension account opening information of multiple channels can be realized, and the individual pension account opening efficiency is improved.

Description

Technical Field

[0001] The present invention relates to the field of 5G technology, and in particular to a method and device for opening an individual pension account. Background Art

[0002] This section is intended to provide a background or context for embodiments of the present invention. No description herein is admitted to be prior art by virtue of its inclusion in this section.

[0003] At present, in order to improve the convenience of users opening personal pension accounts, a variety of personal pension account opening channels have been opened, such as pension institution official websites, various mobile banking, cloud outlets, third-party financial platforms, etc. Since the account opening page and account opening process of each channel are different, it is necessary to develop a set of programs for each channel, which has high development costs and low account opening efficiency, and it is impossible to achieve unified processing of account opening information of multiple personal pension account opening channels. Summary of the invention

[0004] An embodiment of the present invention provides a personal pension account opening method, which is used to realize unified processing of account opening information of multiple personal pension account opening channels, improve personal pension account opening efficiency, and reduce development costs. The method is applied to a 5G business processing platform, and the method includes:

[0005] Receiving a personal pension account opening request initiated by a user in any channel system, wherein the personal pension account opening request includes an account opening channel identifier;

[0006] Obtaining a customized personal pension account opening page corresponding to an account opening channel identifier from a plurality of pre-configured customized personal pension account opening pages, and displaying the customized personal pension account opening page corresponding to the account opening channel identifier in a channel system corresponding to the account opening channel identifier, so that a user can input personal pension account opening information on the customized personal pension account opening page;

[0007] Receive the user's personal pension account opening information fed back by the channel system corresponding to the account opening channel identifier; the personal pension account opening information includes user identity information, user mobile phone number and bank card information;

[0008] According to the user's mobile phone number, the user's real-name authentication information corresponding to the user's mobile phone number is obtained from the operator's system, and the user's identity information is verified using the user's real-name authentication information;

[0009] After the verification is passed, the bank card information is verified for compliance according to the bank card binding rule information corresponding to the preset account opening channel identifier;

[0010] After passing the compliance verification, open a personal pension account and a personal pension fund account;

[0011] Send personal pension account, personal pension fund account and bank card information to the bank system for binding;

[0012] After receiving the successful binding information from the bank system, the personal pension account opening result will be sent to the user in the form of a 5G message based on the user's mobile phone number.

[0013] The embodiment of the present invention further provides a personal pension account opening device, which is used to realize the unified processing of account opening information of multiple personal pension account opening channels, improve the efficiency of personal pension account opening, and reduce development costs. The device is applied to a 5G business processing platform, and the device includes:

[0014] A first receiving module is used to receive a personal pension account opening request initiated by a user in any channel system, wherein the personal pension account opening request includes an account opening channel identifier;

[0015] A page display module is used to obtain a customized personal pension account opening page corresponding to an account opening channel identifier from a plurality of pre-configured customized personal pension account opening pages, and display the customized personal pension account opening page corresponding to the account opening channel identifier in a channel system corresponding to the account opening channel identifier, so that the user can enter personal pension account opening information on the customized personal pension account opening page;

[0016] The second receiving module is used to receive the user's personal pension account opening information fed back by the channel system corresponding to the account opening channel identifier; the personal pension account opening information includes user identity information, user mobile phone number and bank card information;

[0017] The identity authentication module is used to obtain the user real-name authentication information corresponding to the user's mobile phone number from the operator system according to the user's mobile phone number, and use the user real-name authentication information to verify the user's identity information;

[0018] The bank card verification module is used to verify the compliance of the bank card information according to the bank card binding rule information corresponding to the preset account opening channel identifier after the verification is passed;

[0019] The account opening module is used to open individual pension accounts and individual pension fund accounts after compliance verification;

[0020] A first sending module is used to send the personal pension account, personal pension fund account and bank card information to the bank system for binding;

[0021] The second sending module is used to send the personal pension account opening result to the user in the form of a 5G message based on the user's mobile phone number after receiving the successful binding information fed back by the bank system.

[0022] An embodiment of the present invention also provides a computer device, including a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor implements the above-mentioned personal pension account opening method when executing the computer program.

[0023] An embodiment of the present invention further provides a computer-readable storage medium, wherein the computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, the above-mentioned personal pension account opening method is implemented.

[0024] An embodiment of the present invention further provides a computer program product, which includes a computer program, and when the computer program is executed by a processor, the above-mentioned personal pension account opening method is implemented.

[0025] In an embodiment of the present invention, a personal pension account opening request initiated by a user in any channel system is received, wherein the personal pension account opening request includes an account opening channel identifier; a customized personal pension account opening page corresponding to the account opening channel identifier is obtained from a plurality of pre-configured customized personal pension account opening pages, and the customized personal pension account opening page corresponding to the account opening channel identifier is displayed on a channel system corresponding to the account opening channel identifier, so that the user can input personal pension account opening information on the customized personal pension account opening page; and personal pension account opening information of the user fed back by the channel system corresponding to the account opening channel identifier is received; the personal pension account opening information includes user identity information, user mobile phone number and bank ID. card information; according to the user's mobile phone number, obtain the user real-name authentication information corresponding to the user's mobile phone number from the operator system, and use the user real-name authentication information to verify the user's identity information; after the verification is passed, the bank card information is verified for compliance according to the bank card binding rule information corresponding to the preset account opening channel identifier; after the compliance verification is passed, open a personal pension account and a personal pension fund account; send the personal pension account, personal pension fund account and bank card information to the bank system for binding; after receiving the successful binding information feedback from the bank system, send the personal pension account opening result to the user in the form of a 5G message according to the user's mobile phone number. Compared with the method of opening accounts through multiple channels in the prior art, the embodiment of the present invention is based on a 5G business processing platform to realize unified processing of account opening requests of multiple personal pension account opening channels. When a user opens a personal pension account through any channel, the channel system sends the personal pension account opening request to the 5G business processing platform. The 5G business processing platform obtains account opening information according to the customized personal pension account opening page with a preset account opening channel identifier, and the bank card binding rule information with a preset account opening channel identifier, combined with the user real-name authentication information of the operator system, to review the user's personal pension account opening information. After the review is passed, a personal pension account and a personal pension fund account are opened, and the personal pension account, personal pension fund account and bank card information are sent to the bank system for binding. In this way, there is no need to develop a set of programs for each channel, reducing development costs, and the 5G business processing platform uniformly processes information, thereby improving the efficiency of personal pension account opening. After the bank system is successfully bound, the personal pension account opening result is sent to the user in real time in the form of a 5G message, thereby avoiding the customer from being unable to know the account opening result in time, thereby improving the customer experience. BRIEF DESCRIPTION OF THE DRAWINGS

[0026] In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the following briefly introduces the drawings required for use in the embodiments or the prior art descriptions. Obviously, the drawings described below are only some embodiments of the present invention. For ordinary technicians in this field, other drawings can be obtained based on these drawings without creative work. In the drawings:

[0027] Figure 1 A flowchart of a method for opening a personal pension account provided in an embodiment of the present invention;

[0028] Figure 2 A flowchart of another personal pension account opening method provided in an embodiment of the present invention;

[0029] Figure 3 A flowchart of another personal pension account opening method provided in an embodiment of the present invention;

[0030] Figure 4 A schematic diagram of a personal pension account opening device in an embodiment of the present invention;

[0031] Figure 5 A schematic diagram of a computer device provided in an embodiment of the present invention. DETAILED DESCRIPTION

[0032] To make the purpose, technical solution and advantages of the embodiments of the present invention more clear, the embodiments of the present invention are further described in detail below in conjunction with the accompanying drawings. Here, the exemplary embodiments of the present invention and their descriptions are used to explain the present invention, but are not intended to limit the present invention.

[0033] In the description of this specification, the terms "include", "including", "have", "contain", etc. are all open terms, which mean including but not limited to. The descriptions with reference to the terms "one embodiment", "a specific embodiment", "some embodiments", "for example", etc. mean that the specific features, structures or characteristics described in conjunction with the embodiment or example are included in at least one embodiment or example of the present application. In this specification, the schematic representations of the above terms do not necessarily refer to the same embodiment or example. Moreover, the specific features, structures or characteristics described may be combined in a suitable manner in any one or more embodiments or examples. The order of steps involved in each embodiment is used to schematically illustrate the implementation of the present application, and the order of steps is not limited and can be appropriately adjusted as needed.

[0034] According to research, in order to improve the convenience of users opening personal pension accounts, multiple personal pension account opening channels have been opened. The account opening page and account opening process of each channel are different, and a set of programs needs to be developed for each channel, which has high development costs, low account opening efficiency, and cannot achieve unified management of multiple personal pension account opening channels.

[0035] In response to the above research, an embodiment of the present invention provides a personal pension account opening solution. Based on the 5G business processing platform, the background template groups of various personal pension account opening channels can be integrated to achieve unified processing of account opening requests from multiple personal pension account opening channels, thereby improving the personal pension account opening efficiency and reducing development costs.

[0036] like Figure 1 As shown, it is a flowchart of a method for opening a personal pension account provided by an embodiment of the present invention. The method can be applied to a 5G service processing platform. The method may include the following steps:

[0037] Step 101, receiving a personal pension account opening request initiated by a user in any channel system, wherein the personal pension account opening request includes an account opening channel identifier;

[0038] Step 102, obtaining a customized personal pension account opening page corresponding to the account opening channel identifier from a plurality of pre-configured customized personal pension account opening pages, and displaying the customized personal pension account opening page corresponding to the account opening channel identifier in the channel system corresponding to the account opening channel identifier, so that the user can enter personal pension account opening information on the customized personal pension account opening page;

[0039] Step 103, receiving the user's personal pension account opening information fed back by the channel system corresponding to the account opening channel identifier; the personal pension account opening information includes user identity information, user mobile phone number and bank card information;

[0040] Step 104, obtaining user real-name authentication information corresponding to the user's mobile phone number from the operator system according to the user's mobile phone number, and verifying the user's identity information using the user real-name authentication information;

[0041] Step 105, after the verification is passed, the bank card information is verified for compliance according to the bank card binding rule information corresponding to the preset account opening channel identifier;

[0042] Step 106, after the compliance verification is passed, a personal pension account and a personal pension fund account are opened;

[0043] Step 107, sending the personal pension account, personal pension fund account and bank card information to the bank system for binding;

[0044] Step 108, after receiving the successful binding information from the bank system, the personal pension account opening result is sent to the user in the form of a 5G message based on the user's mobile phone number.

[0045] In an embodiment of the present invention, a personal pension account opening request initiated by a user in any channel system is received, wherein the personal pension account opening request includes an account opening channel identifier; a customized personal pension account opening page corresponding to the account opening channel identifier is obtained from a plurality of pre-configured customized personal pension account opening pages, and the customized personal pension account opening page corresponding to the account opening channel identifier is displayed on a channel system corresponding to the account opening channel identifier, so that the user can input personal pension account opening information on the customized personal pension account opening page; and personal pension account opening information of the user fed back by the channel system corresponding to the account opening channel identifier is received; the personal pension account opening information includes user identity information, user mobile phone number and bank ID. card information; according to the user's mobile phone number, obtain the user real-name authentication information corresponding to the user's mobile phone number from the operator system, and use the user real-name authentication information to verify the user's identity information; after the verification is passed, the bank card information is verified for compliance according to the bank card binding rule information corresponding to the preset account opening channel identifier; after the compliance verification is passed, open a personal pension account and a personal pension fund account; send the personal pension account, personal pension fund account and bank card information to the bank system for binding; after receiving the successful binding information feedback from the bank system, send the personal pension account opening result to the user in the form of a 5G message according to the user's mobile phone number. Compared with the method of opening accounts through multiple channels in the prior art, the embodiment of the present invention is based on a 5G business processing platform to realize unified processing of account opening requests of multiple personal pension account opening channels. When a user opens a personal pension account through any channel, the channel system sends the personal pension account opening request to the 5G business processing platform. The 5G business processing platform obtains account opening information according to the customized personal pension account opening page with a preset account opening channel identifier, and the bank card binding rule information with a preset account opening channel identifier, combined with the user real-name authentication information of the operator system, to review the user's personal pension account opening information. After the review is passed, a personal pension account and a personal pension fund account are opened, and the personal pension account, personal pension fund account and bank card information are sent to the bank system for binding. In this way, there is no need to develop a set of programs for each channel, reducing development costs, and the 5G business processing platform uniformly processes information, thereby improving the efficiency of personal pension account opening. After the bank system is successfully bound, the personal pension account opening result is sent to the user in real time in the form of a 5G message, thereby avoiding the customer from being unable to know the account opening result in time, thereby improving the customer experience.

[0046] Below Figure 1 The following is a detailed explanation of how to open a personal pension account.

[0047] In the above step 101, the user can initiate a personal pension account opening request in any channel system that supports personal pension account opening, and the channel system sends its own account opening channel identifier to the 5G business processing platform.

[0048] Among them, the account opening channel identifier can be the name of the channel system, a code agreed in advance with the 5G business processing platform, etc.

[0049] In one embodiment, the above-mentioned account opening channel identifier may include a mobile banking identifier, a cloud branch identifier or an intelligent teller machine identifier.

[0050] In the above step 102, the 5G business processing platform can obtain the corresponding customized personal pension account opening page from a plurality of pre-configured customized personal pension account opening pages according to the account opening channel identifier, and display the customized personal pension account opening page corresponding to the account opening channel identifier in the channel system corresponding to the account opening channel identifier. The user can enter the personal pension account opening information on the customized personal pension account opening page.

[0051] In specific implementation, the customized personal pension account opening page may include the information prompt labels required for personal pension account opening. Based on different account opening channel systems, the page content, page format, and page display form are all different.

[0052] In the above step 103, after the user fills in the personal pension account opening information on the customized personal pension account opening page, the channel system may have sent the personal pension account opening information filled in by the user to the 5G business processing platform.

[0053] Among them, the above-mentioned personal pension account opening information may include user identity information, user mobile phone number and bank card information.

[0054] In specific implementation, the personal pension account opening information can be manually filled in by the user based on the information prompt label on the customized personal pension account opening page; if the channel system corresponding to the account opening channel identifier has user information, the channel system can also automatically fill in the personal pension account opening information on the customized personal pension account opening page for user confirmation. In this way, the error rate of manually filling in the personal pension account opening information can be reduced, and the account opening efficiency can be improved.

[0055] In one embodiment, the above-mentioned account opening channel identifier may also include a batch business channel identifier;

[0056] The above step 102 may specifically include:

[0057] From the pre-configured multiple customized personal pension account opening pages, obtain the customized personal pension account opening page corresponding to the batch business channel identifier, and display the customized personal pension account opening page corresponding to the batch business channel identifier in the channel system corresponding to the account opening channel identifier, so that the user can batch import the personal pension account opening information of multiple users on the customized personal pension account opening page.

[0058] In specific implementation, in order to handle batch services, users can initiate personal pension account opening requests through batch service channels. The 5G service processing platform can obtain the customized personal pension account opening page corresponding to the batch service channel identifier and display it to the user. Users can batch import the personal pension account opening information of multiple users on this page. Among them, users can batch import by uploading the personal pension account opening information Excel spreadsheet, or upload batch information by other means.

[0059] In the above step 104, when the user registers a mobile phone number with an operator, the user's real-name authentication information is required. Therefore, the operator system stores the user's real-name authentication information corresponding to the user's mobile phone number, and the 5G service processing platform can call the operator system to verify the user's identity information.

[0060] During specific implementation, the 5G business processing platform can obtain the user real-name authentication information corresponding to the user's mobile phone number from the operator system based on the user's mobile phone number, and use the user real-name authentication information to verify the user's identity information. When the user's identity information is consistent with the user real-name authentication information corresponding to the user's mobile phone number, the verification is successful; if they are inconsistent, the verification fails and the personal pension account opening service is refused.

[0061] In one embodiment, in order to ensure information security, the above-mentioned personal pension account opening information can be encrypted information encrypted by the channel system corresponding to the account opening channel identifier using its own private key.

[0062] In one embodiment, Figure 2 As shown, before the above step 104, the following steps may also be included:

[0063] Step 201, obtaining the channel system public key corresponding to the account opening channel identifier from a pre-stored channel system public key list;

[0064] Step 202, decrypt the encrypted information using the channel system public key corresponding to the account opening channel identifier to obtain the user identity information, user mobile phone number and bank card information.

[0065] During the specific implementation, each channel system can synchronize its own channel system public key to the 5G business processing platform in advance. When the channel system sends the user's personal pension account opening information to the 5G business processing platform, it can first use its own private key to encrypt the personal pension account opening information and send the encrypted information to the 5G business processing platform. The 5G business processing platform queries the channel system public key corresponding to the account opening channel identifier, decrypts the encrypted information, and obtains the user's identity information, user mobile phone number and bank card information.

[0066] In the above step 105, after the user identity information is verified in the above step 104, the bank card information can be verified for compliance according to the bank card binding rule information corresponding to the preset account opening channel identifier.

[0067] In specific implementation, each account opening channel has different requirements for the bound bank card when opening a personal pension account. For example, some channels require that the bank card must be a Class A card, while others have no such requirements. Therefore, the 5G business processing platform can pre-store the bank card binding rule information of each account opening channel. After receiving the user's personal pension account opening information, the bank card binding rule information can be obtained according to the account opening channel identifier, and the bank card information can be verified for compliance. When the bank card information complies with the bank card binding rules, compliance verification is performed; otherwise, the compliance verification fails.

[0068] In the above steps 106 to 108, after the compliance verification is passed, the 5G business processing platform can open a personal pension account and a personal pension fund account for the user; and send the personal pension account, personal pension fund account and bank card information to the bank system for binding; after the bank system is successfully bound, the feedback of the successful binding information, the 5G business processing platform can send the personal pension account opening result to the user in the form of a 5G message based on the user's mobile phone number.

[0069] In this way, there is no need to develop a set of programs for each channel, which reduces development costs. The 5G business processing platform processes information in a unified manner, simplifies the personal pension account opening process, and improves the efficiency of personal pension account opening. After the bank system is successfully bound, the personal pension account opening results will be sent to users in real time in the form of 5G messages, avoiding customers' failure to know the account opening results in time and improving customer experience.

[0070] In one embodiment, after receiving the successful binding information fed back by the bank system, Figure 3 As shown, it may also include:

[0071] Step 301, bind the personal pension account, personal pension fund account and user mobile phone number.

[0072] In specific implementation, the personal pension account and the personal pension fund account can be bound to the user's mobile phone number. In this way, the user can query the information of the personal pension account through 5G messages, for example, check the balance; the user can also purchase personal pension-related financial products through 5G messages, etc., which provides greater convenience for users.

[0073] It should be noted that the information collected in the technical solution of this application is information and data authorized by the user or fully authorized by all parties, and the collection, storage, use, processing, transmission, provision, disclosure and application of the relevant data are subject to the relevant laws, regulations and standards of the relevant countries and regions, and necessary confidentiality measures have been taken. It does not violate public order and good morals, and provides users with corresponding operation entrances for users to choose to authorize or refuse; and the technical solution of this application also provides users with corresponding operation entrances for users to choose to agree or refuse the automated decision-making results. If the user chooses to agree, the expert decision-making process will be entered.

[0074] The present invention also provides a personal pension account opening device, as described in the following embodiments. Since the principle of the device to solve the problem is similar to the personal pension account opening method, the implementation of the device can refer to the implementation of the personal pension account opening method, and the repeated parts will not be repeated.

[0075] like Figure 4 As shown, it is a schematic diagram of a personal pension account opening device provided by an embodiment of the present invention, which is applied to a 5G service processing platform and may include:

[0076] The first receiving module 401 is used to receive a personal pension account opening request initiated by a user in any channel system, wherein the personal pension account opening request includes an account opening channel identifier;

[0077] The page display module 402 is used to obtain a customized personal pension account opening page corresponding to the account opening channel identifier from a plurality of pre-configured customized personal pension account opening pages, and display the customized personal pension account opening page corresponding to the account opening channel identifier in the channel system corresponding to the account opening channel identifier, so that the user can enter personal pension account opening information on the customized personal pension account opening page;

[0078] The second receiving module 403 is used to receive the user's personal pension account opening information fed back by the channel system corresponding to the account opening channel identifier; the personal pension account opening information includes user identity information, user mobile phone number and bank card information;

[0079] The identity authentication module 404 is used to obtain the user real-name authentication information corresponding to the user's mobile phone number from the operator system according to the user's mobile phone number, and verify the user's identity information using the user real-name authentication information;

[0080] The bank card verification module 405 is used to verify the compliance of the bank card information according to the bank card binding rule information corresponding to the preset account opening channel identifier after the verification is passed;

[0081] An account opening module 406 is used to open a personal pension account and a personal pension fund account after the compliance verification is passed;

[0082] The first sending module 407 is used to send the personal pension account, personal pension fund account and bank card information to the bank system for binding;

[0083] The second sending module 408 is used to send the personal pension account opening result to the user in the form of a 5G message according to the user's mobile phone number after receiving the successful binding information fed back by the bank system.

[0084] In one embodiment, the personal pension account opening information may be encrypted information encrypted by the channel system corresponding to the account opening channel identifier using its own private key.

[0085] In one embodiment, according to the user's mobile phone number, a decryption module may also be included, which is used before the identity authentication module obtains the user real-name authentication information corresponding to the user's mobile phone number from the operator system and verifies the user's identity information using the user real-name authentication information:

[0086] Obtain the channel system public key corresponding to the account opening channel identifier from the pre-stored channel system public key list;

[0087] The encrypted information is decrypted using the channel system public key corresponding to the account opening channel identifier to obtain the user's identity information, user mobile phone number and bank card information.

[0088] In one embodiment, after receiving the successful binding information fed back by the bank system, a binding module may also be included to bind the personal pension account, the personal pension fund account and the user's mobile phone number.

[0089] In one embodiment, the account opening channel identifier may include a mobile banking identifier, a cloud branch identifier, or an intelligent teller machine identifier.

[0090] In one embodiment, the account opening channel identifier may also include a batch service channel identifier;

[0091] Page display module, specifically used for:

[0092] From the pre-configured multiple customized personal pension account opening pages, obtain the customized personal pension account opening page corresponding to the batch business channel identifier, and display the customized personal pension account opening page corresponding to the batch business channel identifier in the channel system corresponding to the account opening channel identifier, so that the user can batch import the personal pension account opening information of multiple users on the customized personal pension account opening page.

[0093] It should be noted that, although several modules of the personal pension account opening device are mentioned in the above detailed description, this division is only exemplary and not mandatory. In fact, according to an embodiment of the present invention, the features and functions of two or more modules described above can be concretized in one module. Conversely, the features and functions of one module described above can be further divided into multiple modules for concretization.

[0094] An embodiment of the present invention further provides a computer device, Figure 5 It is a schematic diagram of a computer device in an embodiment of the present invention. The computer device 500 includes a memory 510, a processor 520, and a computer program 530 stored in the memory 510 and executable on the processor 520. When the processor 520 executes the computer program 530, the above-mentioned personal pension account opening method is implemented.

[0095] An embodiment of the present invention further provides a computer-readable storage medium, wherein the computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, the above-mentioned personal pension account opening method is implemented.

[0096] An embodiment of the present invention further provides a computer program product, which includes a computer program, and when the computer program is executed by a processor, the above-mentioned personal pension account opening method is implemented.

[0097] In an embodiment of the present invention, a personal pension account opening request initiated by a user in any channel system is received, wherein the personal pension account opening request includes an account opening channel identifier; a customized personal pension account opening page corresponding to the account opening channel identifier is obtained from a plurality of pre-configured customized personal pension account opening pages, and the customized personal pension account opening page corresponding to the account opening channel identifier is displayed on a channel system corresponding to the account opening channel identifier, so that the user can input personal pension account opening information on the customized personal pension account opening page; and personal pension account opening information of the user fed back by the channel system corresponding to the account opening channel identifier is received; the personal pension account opening information includes user identity information, user mobile phone number and bank ID. card information; according to the user's mobile phone number, obtain the user real-name authentication information corresponding to the user's mobile phone number from the operator system, and use the user real-name authentication information to verify the user's identity information; after the verification is passed, the bank card information is verified for compliance according to the bank card binding rule information corresponding to the preset account opening channel identifier; after the compliance verification is passed, open a personal pension account and a personal pension fund account; send the personal pension account, personal pension fund account and bank card information to the bank system for binding; after receiving the successful binding information feedback from the bank system, send the personal pension account opening result to the user in the form of a 5G message according to the user's mobile phone number. Compared with the method of opening accounts through multiple channels in the prior art, the embodiment of the present invention is based on a 5G business processing platform to realize unified processing of account opening requests of multiple personal pension account opening channels. When a user opens a personal pension account through any channel, the channel system sends the personal pension account opening request to the 5G business processing platform. The 5G business processing platform obtains account opening information according to the customized personal pension account opening page with a preset account opening channel identifier, and the bank card binding rule information with a preset account opening channel identifier, combined with the user real-name authentication information of the operator system, to review the user's personal pension account opening information. After the review is passed, a personal pension account and a personal pension fund account are opened, and the personal pension account, personal pension fund account and bank card information are sent to the bank system for binding. In this way, there is no need to develop a set of programs for each channel, reducing development costs, and the 5G business processing platform uniformly processes information, thereby improving the efficiency of personal pension account opening. After the bank system is successfully bound, the personal pension account opening result is sent to the user in real time in the form of a 5G message, thereby avoiding the customer from being unable to know the account opening result in time, thereby improving the customer experience.

[0098] Those skilled in the art will appreciate that embodiments of the present invention may be provided as methods, systems, or computer program products. Therefore, the present invention may take the form of a complete hardware embodiment, a complete software embodiment, or an embodiment combining software and hardware. Moreover, the present invention may take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0099] The present invention is described with reference to flowcharts and / or block diagrams of methods, devices (systems), and computer program products according to embodiments of the present invention. It should be understood that each process and / or block in the flowchart and / or block diagram, as well as the combination of processes and / or blocks in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing device to produce a machine, so that the instructions executed by the processor of the computer or other programmable data processing device generate instructions for implementing the processes in the flowchart and / or block diagram. Figure 1 A process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0100] These computer program instructions may also be stored in a computer-readable memory capable of directing a computer or other programmable data processing device to operate in a specific manner, so that the instructions stored in the computer-readable memory produce an article of manufacture comprising an instruction device, which implements the process Figure 1 A process or multiple processes and / or boxes Figure 1 A function specified in one or more boxes.

[0101] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operating steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing instructions for implementing the process. Figure 1 A process or multiple processes and / or boxes Figure 1 A step that specifies a function in one or more boxes.

[0102] The specific embodiments described above further illustrate the objectives, technical solutions and beneficial effects of the present invention in detail. It should be understood that the above description is only a specific embodiment of the present invention and is not intended to limit the scope of protection of the present invention. Any modifications, equivalent substitutions, improvements, etc. made within the spirit and principles of the present invention should be included in the scope of protection of the present invention.

Claims

1. A method for opening a personal pension account, characterized in that: Applied to 5G service processing platform, including: Receiving a personal pension account opening request initiated by a user in any channel system, wherein the personal pension account opening request includes an account opening channel identifier; Obtaining a customized personal pension account opening page corresponding to an account opening channel identifier from a plurality of pre-configured customized personal pension account opening pages, and displaying the customized personal pension account opening page corresponding to the account opening channel identifier in a channel system corresponding to the account opening channel identifier, so that a user can input personal pension account opening information on the customized personal pension account opening page; Receive the user's personal pension account opening information fed back by the channel system corresponding to the account opening channel identifier; the personal pension account opening information includes user identity information, user mobile phone number and bank card information; According to the user's mobile phone number, the user's real-name authentication information corresponding to the user's mobile phone number is obtained from the operator's system, and the user's identity information is verified using the user's real-name authentication information; After the verification is passed, the bank card information is verified for compliance according to the bank card binding rule information corresponding to the preset account opening channel identifier; After passing the compliance verification, open a personal pension account and a personal pension fund account; Send personal pension account, personal pension fund account and bank card information to the bank system for binding; After receiving the successful binding information from the bank system, the personal pension account opening result will be sent to the user in the form of a 5G message based on the user's mobile phone number.

2. The method according to claim 1, characterized in that The personal pension account opening information is encrypted information that is encrypted by the channel system corresponding to the account opening channel identifier using its own private key.

3. The method according to claim 2, characterized in that According to the user's mobile phone number, the user real-name authentication information corresponding to the user's mobile phone number is obtained from the operator system. Before the user's identity information is verified using the user real-name authentication information, the following is also included: Obtain the channel system public key corresponding to the account opening channel identifier from the pre-stored channel system public key list; The encrypted information is decrypted using the channel system public key corresponding to the account opening channel identifier to obtain the user's identity information, user mobile phone number and bank card information.

4. The method according to claim 1, characterized in that After receiving the successful binding information from the bank system, it also includes: Bind the personal pension account, personal pension fund account and user’s mobile phone number.

5. The method according to claim 1, characterized in that The account opening channel identifier includes a mobile banking identifier, a cloud branch identifier or an intelligent teller machine identifier.

6. The method according to claim 1, characterized in that The account opening channel identifier also includes a batch business channel identifier; Obtaining a customized personal pension account opening page corresponding to an account opening channel identifier from a plurality of pre-configured customized personal pension account opening pages, and displaying the customized personal pension account opening page corresponding to the account opening channel identifier in a channel system corresponding to the account opening channel identifier, so that the user can input personal pension account opening information on the customized personal pension account opening page, including: From the pre-configured multiple customized personal pension account opening pages, obtain the customized personal pension account opening page corresponding to the batch business channel identifier, and display the customized personal pension account opening page corresponding to the batch business channel identifier in the channel system corresponding to the account opening channel identifier, so that the user can batch import the personal pension account opening information of multiple users on the customized personal pension account opening page.

7. A personal pension account opening device, characterized in that: Applied to 5G service processing platform, including: A first receiving module is used to receive a personal pension account opening request initiated by a user in any channel system, wherein the personal pension account opening request includes an account opening channel identifier; A page display module is used to obtain a customized personal pension account opening page corresponding to an account opening channel identifier from a plurality of pre-configured customized personal pension account opening pages, and display the customized personal pension account opening page corresponding to the account opening channel identifier in a channel system corresponding to the account opening channel identifier, so that the user can enter personal pension account opening information on the customized personal pension account opening page; The second receiving module is used to receive the user's personal pension account opening information fed back by the channel system corresponding to the account opening channel identifier; the personal pension account opening information includes user identity information, user mobile phone number and bank card information; The identity authentication module is used to obtain the user real-name authentication information corresponding to the user's mobile phone number from the operator system according to the user's mobile phone number, and use the user real-name authentication information to verify the user's identity information; The bank card verification module is used to verify the compliance of the bank card information according to the bank card binding rule information corresponding to the preset account opening channel identifier after the verification is passed; The account opening module is used to open individual pension accounts and individual pension fund accounts after compliance verification; A first sending module is used to send the personal pension account, personal pension fund account and bank card information to the bank system for binding; The second sending module is used to send the personal pension account opening result to the user in the form of a 5G message based on the user's mobile phone number after receiving the successful binding information fed back by the bank system.

8. A computer 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 computer program, the method according to any one of claims 1 to 6 is implemented.

9. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, the method according to any one of claims 1 to 6 is implemented.

10. A computer program product, characterized in that The computer program product comprises a computer program, and when the computer program is executed by a processor, the method according to any one of claims 1 to 6 is implemented.

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