Personal pension account opening method and device

Abstract

The present invention discloses a method and device for opening a personal pension account, relating to the field of 5G technology. The method is applied to a 5G business processing platform and includes: receiving a personal pension account opening request initiated by a user through any channel; obtaining a customized personal pension account opening page corresponding to the account opening channel identifier and displaying it to the user, on which the user enters the account opening information; the 5G business processing platform obtains corresponding bank card binding rule information based on the account opening channel identifier, and, in combination with operator system authentication, reviews the account opening information. After the review is passed, a personal pension account and a personal pension fund account are opened; the personal pension account, personal pension fund account, and bank card information are sent to the bank system for binding; after successful binding, the personal pension account opening result is sent to the user via a 5G message. The present invention can achieve unified processing of personal pension account opening information from multiple channels, thereby improving the efficiency of personal pension account opening.

Description

Technical Field

[0001] The present invention relates to the field of 5G technology, and in particular to a method and device for opening a personal 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] Currently, to increase the convenience of opening individual pension accounts, multiple channels have been established, including pension institution websites, mobile banking platforms, cloud-based branches, and third-party financial platforms. However, since each channel has a different account opening page and process, a custom application must be developed for each channel. This results in high development costs, low account opening efficiency, and the inability to uniformly process account opening information across multiple channels. Summary of the Invention

[0004] An embodiment of the present invention provides a method for opening a personal pension account, which is used to uniformly process account opening information from multiple personal pension account opening channels, improve personal pension account opening efficiency, and reduce development costs. The method is applied to a 5G service processing platform and 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 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;

[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] Based on the user's mobile phone number, obtain the user's real-name authentication information corresponding to the user's mobile phone number from the operator's system, and use the user's real-name authentication information to verify the user's identity 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] An embodiment of the present invention further provides a personal pension account opening device for unified processing of account opening information from multiple personal pension account opening channels, thereby improving personal pension account opening efficiency and reducing development costs. The device is applied to a 5G service processing platform and includes:

[0014] A first receiving module is configured 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 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;

[0016] The second receiving module is configured to receive personal pension account opening information of a user fed back by a 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's real-name authentication information corresponding to the user's mobile phone number from the operator's system based on the user's mobile phone number, and use the user's 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 is passed;

[0020] The 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 binding success information feedback from 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 individual pension account opening method when executing the computer program.

[0023] An embodiment of the present invention further provides a computer-readable storage medium storing a computer program, which implements the above-mentioned method for opening an individual pension account when executed by a processor.

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

[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 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; the 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 binding success information fed back by 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 to the existing method of opening accounts through multiple channels, the embodiments of the present invention, based on a 5G business processing platform, implement unified processing of account opening requests from multiple channels for opening personal pension accounts. 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 the account opening information based on the customized personal pension account opening page with the preset account opening channel identifier, as well as the bank card binding rules based on the preset account opening channel identifier, and reviews the user's personal pension account opening information in combination with the user's real-name authentication information from the operator system. After the review is passed, the personal pension account and 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. This eliminates the need to develop a set of programs for each channel, reducing development costs. The 5G business processing platform also uniformly processes information, improving the efficiency of personal pension account opening. After successful binding with the bank system, the personal pension account opening result is sent to the user in real time via 5G messaging, preventing customers from being unable to obtain the account opening result in a timely manner and 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 the embodiments or the description of the prior art. Obviously, the drawings described below are only some embodiments of the present invention. For those skilled in the art, other drawings can be obtained based on these drawings without creative work. In the drawings:

[0027] Figure 1 This is a flow chart of a method for opening a personal pension account provided in an embodiment of the present invention;

[0028] Figure 2 This is a flow chart of another method for opening a personal pension account provided in an embodiment of the present invention;

[0029] Figure 3 This is a flow chart of another method for opening a personal pension account provided in an embodiment of the present invention;

[0030] Figure 4 This is a schematic diagram of a personal pension account opening device according to 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 solutions and advantages of the embodiments of the present invention more clear, the embodiments of the present invention are further described in detail below with reference to 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 expressions of the above terms do not necessarily refer to the same embodiment or example. Moreover, the specific features, structures or characteristics described can 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 therein is not limited and can be appropriately adjusted as needed.

[0034] Research has found that, to increase the convenience of opening individual pension accounts, multiple channels are currently available. Each channel has a unique opening page and process, requiring a custom application to be developed for each channel. This results in high development costs, low account opening efficiency, and the inability to achieve unified management of these multiple 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 multiple 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 efficiency of personal pension account opening and reducing development costs.

[0036] like Figure 1 FIG. 1 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 request for opening a personal pension account initiated by a user in any channel system, wherein the request includes an identification of an account opening channel;

[0038] Step 102: 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;

[0039] Step 103: 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;

[0040] Step 104: Obtain the user real-name authentication information corresponding to the user's mobile phone number from the operator's system based on the user's mobile phone number, and verify 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: Send 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 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; the 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 binding success information fed back by 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 to the existing method of opening accounts through multiple channels, the embodiments of the present invention, based on a 5G business processing platform, implement unified processing of account opening requests from multiple channels for opening personal pension accounts. 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 the account opening information based on the customized personal pension account opening page with the preset account opening channel identifier, as well as the bank card binding rules based on the preset account opening channel identifier, and reviews the user's personal pension account opening information in combination with the user's real-name authentication information from the operator system. After the review is passed, the personal pension account and 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. This eliminates the need to develop a set of programs for each channel, reducing development costs. The 5G business processing platform also uniformly processes information, improving the efficiency of personal pension account opening. After successful binding with the bank system, the personal pension account opening result is sent to the user in real time via 5G messaging, preventing customers from being unable to obtain the account opening result in a timely manner and 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 step 102, the 5G service processing platform can retrieve a corresponding customized personal pension account opening page from a plurality of pre-configured customized personal pension account opening pages based on 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 personal pension account opening information on the customized personal pension account opening page.

[0051] In specific implementation, the customized personal pension account opening page can 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 practice, to facilitate batch processing, users can initiate individual pension account opening requests through batch service channels. The 5G service processing platform will then display a customized individual pension account opening page corresponding to the batch service channel identifier. Users can then batch import individual pension account opening information for multiple users on this page. Users can do this by uploading an Excel spreadsheet of individual pension account opening information or by other means.

[0059] In the above step 104, when the user registers a mobile phone number with the 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 rejected.

[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: Obtain 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 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 uniformly processes information, 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 the user in real time in the form of 5G messages, avoiding customers from not knowing the account opening results in time, thereby 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's 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, such as checking the balance; the user can also purchase personal pension-related financial products through 5G messages, etc., which provides greater convenience for the user.

[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 relevant data are subject to the relevant laws, regulations and standards of relevant countries and regions, and necessary confidentiality measures are taken, which 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 refuse, 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 that of 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 FIG. 1 is a schematic diagram of a personal pension account opening device provided by an embodiment of the present invention. The device is applied to a 5G service processing platform and may include:

[0076] The first receiving module 401 is configured 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 configured 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 configured 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's system based on the user's mobile phone number, and use the user real-name authentication information to verify the user's identity 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 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 based on the user's mobile phone number after receiving the binding success 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, based on the user's mobile phone number, a decryption module may also be included, which is used before the identity verification 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, mobile phone number, and bank card information.

[0088] In one embodiment, after receiving the binding success information fed back by the bank system, a binding module may be further included for binding 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 further 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 while the detailed description above mentions several modules of the personal pension account opening device, this division is merely exemplary and not mandatory. In practice, depending on the embodiments of the present invention, the features and functions of two or more modules described above may be embodied in a single module. Conversely, the features and functions of a single module described above may be further divided and embodied by multiple modules.

[0094] An embodiment of the present invention further provides a computer device, Figure 5 This 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 individual pension account opening method is implemented.

[0095] An embodiment of the present invention further provides a computer-readable storage medium storing a computer program, which implements the above-mentioned method for opening an individual pension account when executed by a processor.

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

[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 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; the 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 binding success information fed back by 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 to the existing method of opening accounts through multiple channels, the embodiments of the present invention, based on a 5G business processing platform, implement unified processing of account opening requests from multiple channels for opening personal pension accounts. 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 the account opening information based on the customized personal pension account opening page with the preset account opening channel identifier, as well as the bank card binding rules based on the preset account opening channel identifier, and reviews the user's personal pension account opening information in combination with the user's real-name authentication information from the operator system. After the review is passed, the personal pension account and 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. This eliminates the need to develop a set of programs for each channel, reducing development costs. The 5G business processing platform also uniformly processes information, improving the efficiency of personal pension account opening. After successful binding with the bank system, the personal pension account opening result is sent to the user in real time via 5G messaging, preventing customers from being unable to obtain the account opening result in a timely manner and improving the customer experience.

[0098] It will be understood by those skilled in the art that embodiments of the present invention may be provided as methods, systems, or computer program products. Thus, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment, or an embodiment combining software and hardware. Furthermore, 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 magnetic 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 flowcharts and / or block diagrams, as well as combinations of processes and / or blocks in the flowcharts and / or block diagrams, 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 flowcharts and / or block diagrams. 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 that can direct a computer or other programmable data processing device to work 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 The 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 operational steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing the instructions executed on the computer or other programmable device 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 platforms, 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 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; 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; Based on the user's mobile phone number, obtain the user's real-name authentication information corresponding to the user's mobile phone number from the operator's system, and use the user's 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 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, wherein 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, wherein Based on the user's mobile phone number, the real-name authentication information corresponding to the user's mobile phone number is obtained from the operator's system. Before the user's identity information is verified using the real-name authentication information, the following steps are 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, mobile phone number, and bank card information.

4. The method according to claim 1, wherein 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, wherein 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, wherein The account opening channel identifier also includes a batch business channel identifier; 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, 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 platforms, including: A first receiving module is configured 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 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; The second receiving module is configured to receive personal pension account opening information of a user fed back by a 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's real-name authentication information corresponding to the user's mobile phone number from the operator's system based on the user's mobile phone number, and use the user's 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 is passed; The 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 binding success information feedback from 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, wherein: 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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