Collection account opening method, collection system and storage medium

Abstract

The invention provides a collection account opening method, a collection system and a storage medium. The method for opening the collection account comprises the steps that when it is detected that an operator triggers an account opening request through an interaction page, account opening application data related to a target merchant is obtained from the interaction page, the target merchant is a merchant with a to-be-opened collection account, and the account opening application data represents industrial and commercial information of the target merchant and key figure information related to the target merchant; based on the account opening application data, auditing the target merchant from a subject authenticity dimension and a trade security dimension to determine whether the target merchant satisfies an account opening condition; and opening a collection account for the target merchant under the condition that the target merchant meets the account opening condition, and feeding back an account opening result through the interactive page.

Description

Technical Field

[0001] This specification relates to the field of Internet technology, and in particular to a method for opening a payment account, a payment collection system, and a storage medium. Background Art

[0002] When conducting overseas business, some merchants need to use overseas payment accounts to receive payments and then remit foreign exchange settlements from these accounts to China. However, it is difficult for merchants to directly apply to overseas financial institutions to open overseas financial accounts. Therefore, some payment systems offer merchants services to open overseas payment accounts. For example, when merchants register with the payment system, they can provide relevant supporting documents. Payment system staff will review these documents and, if approved, open an overseas financial account for the merchant. This overseas financial account will serve as the merchant's overseas payment account.

[0003] Currently, payment systems rely on manual review for merchant account openings. However, manual review is inefficient, time-consuming, and incapable of real-time results. Typically, this review process takes several working days.

[0004] The content of the background technology section is merely information known to the inventor personally, and does not mean that the above information has entered the public domain before the application date of this disclosure, nor does it mean that it can become the prior art of the present disclosure. Summary of the Invention

[0005] This manual provides a method for opening a payment account, a payment collection system, and a storage medium, which can automatically review the received account opening application data, greatly improving the review efficiency and obtaining the review results within seconds.

[0006] In a first aspect, the present specification provides a method for opening a payment account, which is applied to a payment system, and the method includes: when it is detected that an operator triggers an account opening request through an interactive page, obtaining account opening application data related to a target merchant from the interactive page, the target merchant is a merchant for which a payment account is to be opened, and the account opening application data represents the industrial and commercial information of the target merchant, as well as information about key persons associated with the target merchant; based on the account opening application data, reviewing the target merchant from the dimensions of subject authenticity and trade security to determine whether the target merchant meets the account opening conditions; and if the target merchant meets the account opening conditions, opening a payment account for the target merchant, and feedback the account opening results through the interactive page.

[0007] In a second aspect, this specification further provides a payment collection system, comprising: at least one storage medium storing at least one instruction set for opening a payment collection account; and at least one processor in communication with the at least one storage medium, wherein when the payment collection system is running, the at least one processor reads the at least one instruction set and, in accordance with instructions of the at least one instruction set:

[0008] When it is detected that the operator triggers an account opening request through the interactive page, the account opening application data related to the target merchant is obtained from the interactive page. The target merchant is the merchant for which a payment account is to be opened. The account opening application data represents the industrial and commercial information of the target merchant, as well as the key person information associated with the target merchant. Based on the account opening application data, the target merchant is reviewed from the dimensions of subject authenticity and trade security to determine whether the target merchant meets the account opening conditions. If the target merchant meets the account opening conditions, a payment account is opened for the target merchant, and the account opening result is fed back through the interactive page.

[0009] In a third aspect, this specification also provides a computer-readable non-volatile storage medium, wherein the computer-readable non-volatile storage medium stores at least one instruction set, and when the at least one instruction set is executed by at least one processor, the method for opening a payment account provided in the first aspect is implemented.

[0010] Other functions of the method for opening a receiving account provided in this specification will be partially listed in the following description. The creative aspects of the method for opening a receiving account provided in this specification can be fully explained by practicing or using the methods, devices and combinations described in the following detailed examples. BRIEF DESCRIPTION OF THE DRAWINGS

[0011] In order to more clearly illustrate the technical solutions in the embodiments of this specification, the following briefly introduces the drawings required for use in the description of the embodiments. Obviously, the drawings described below are only some embodiments of this specification. For ordinary technicians in this field, other drawings can be obtained based on these drawings without any creative work.

[0012] Figure 1 A schematic diagram illustrating an application scenario of a method for opening a payment account provided in accordance with an embodiment of this specification is shown;

[0013] Figure 2 A hardware structure diagram of a computing device provided according to an embodiment of this specification is shown;

[0014] Figure 3 A flowchart of a method for opening a payment account according to an embodiment of this specification is shown;

[0015] Figure 4A schematic diagram of an interaction page provided according to an embodiment of the present specification is shown;

[0016] Figure 5 A schematic diagram of another interaction page provided according to an embodiment of the present specification is shown;

[0017] Figure 6 A schematic diagram of yet another interaction page provided according to an embodiment of the present specification is shown;

[0018] Figure 7 A schematic diagram of an audit process of the subject authenticity dimension provided according to an embodiment of the present specification is shown;

[0019] Figure 8 A schematic diagram of an audit process of the trade security dimension provided according to an embodiment of the present specification is shown; and

[0020] Figure 9 A schematic diagram of yet some interaction pages provided according to an embodiment of the present specification is shown. DETAILED DESCRIPTION

[0021] The following description provides specific applications and requirements of the present specification, which is intended to enable a person skilled in the art to manufacture and use the contents of the present specification. Various modifications to the disclosed embodiments are apparent to those skilled in the art, and the general principles defined herein can be applied to other embodiments and applications without departing from the spirit and scope of the present specification. Therefore, the present specification is not limited to the embodiments shown, but is consistent with the widest scope of the claims.

[0022] The terms used herein are only for the purpose of describing specific example embodiments, and are not limiting. For example, unless the context clearly indicates otherwise, as used herein, the singular forms "a", "an", and "the" can also include the plural forms. When used in the present specification, the terms "comprise", "include" and / or "contain" mean that the associated whole, step, operation, element and / or component exists, but do not exclude the presence of one or more other features, whole, step, operation, element, component and / or group or additional features, whole, step, operation, element, component and / or group can be added to the system / method.

[0023] In view of the following description, these features of the present specification and other features, as well as the operation and function of related elements of the structure, and the economy of combination and manufacture of components can be significantly improved. With reference to the drawings, all of which form part of the present specification. However, it should be clearly understood that the drawings are for illustrative and descriptive purposes only and are not intended to limit the scope of the present specification. It should also be understood that the drawings are not drawn to scale.

[0024] The flowcharts used in this specification illustrate operations implemented by systems according to some embodiments of the present specification. It should be clearly understood that the operations of the flowcharts may not be implemented in sequence. Rather, the operations may be implemented in reverse order or simultaneously. Furthermore, one or more additional operations may be added to the flowcharts. One or more operations may be removed from the flowcharts.

[0025] The following is an introduction to the application scenarios of this manual.

[0026] This specification provides a method for opening a collection account, which can be used in scenarios where merchants apply to open overseas collection accounts. In this scenario, the collection system can obtain account opening application data related to a target merchant through an interactive interface. After obtaining the account opening application data, the collection system can automatically review the target merchant based on the authenticity and trade security dimensions of the account opening application data. If the review results indicate that the target merchant meets the account opening requirements, the collection account is opened for the target merchant, and the account opening results are fed back through the interactive interface. The entire opening process can be completed automatically, and the account opening results are fed back immediately.

[0027] It should be noted that the above-mentioned merchant application to open an overseas payment account scenario is only one of the multiple usage scenarios provided in this specification. The payment account opening method provided in this specification can be applied not only to the scenario where merchants apply to open overseas payment accounts, but also to all scenarios where merchants apply to open payment accounts, such as the scenario where merchants apply to open domestic payment accounts, etc. The above-mentioned payment account can be an account of the merchant within the payment system or an account of the merchant at another financial institution. Those skilled in the art should understand that when the payment account opening method provided in this specification is applied to other usage scenarios, its implementation method and technical effects are similar.

[0028] In this specification, a payment collection system refers to the technology platform used to process transactions between merchants and consumers. It provides merchants with a secure and convenient way to receive payments from consumers and transfer these payments to the merchant's collection account. A payment collection system may also be referred to as a payment processing system or acquiring system.

[0029] Figure 1 The following is a schematic diagram showing an application scenario of a method for opening a payment account according to an embodiment of this specification. Figure 1 As shown, the application scenario 100 may include a payment collection system, an external data source 13, and a target financial institution 14. The payment collection system may include a user device 11 (also referred to as a client device) and a server 12 (also referred to as a server device). Alternatively, the payment collection system may include a client and a server. The client may be deployed on the user device 11, and the server may be deployed on the server 12.

[0030] In some embodiments, the user device 11 may be a device used by an operator, and the operator may be a key person associated with the target merchant, or a person responsible for applying for a collection account for the target merchant.

[0031] In some embodiments, the user device 11 may be installed with one or more application programs (APPs). The APP can provide the operator with the ability and interface to interact with the outside world through the network. The APP includes but is not limited to: web browser APP programs, search APP programs, chat APP programs, shopping APP programs, video APP programs, financial management APP programs, instant messaging tools, email clients, social platform software, financial APP programs, and payment APP programs, etc. In some embodiments, the user device 11 may be installed with a target APP corresponding to the payment system. The target APP displays the interactive page of the payment system and allows the operator to provide account opening application data related to the target merchant. The target APP can be called a client of the payment system.

[0032] In some embodiments, the user device 11 may include a mobile device, a tablet computer, a laptop computer, a built-in device of a motor vehicle, or the like, or any combination thereof. In some embodiments, the mobile device may include a smart home device, a smart mobile device, a virtual reality device, an augmented reality device, or the like, or any combination thereof. In some embodiments, the smart home device may include a smart TV, a desktop computer, etc., or any combination thereof. In some embodiments, the smart mobile device may include a smartphone, a personal digital assistant, a gaming device, a navigation device, etc., or any combination thereof. In some embodiments, the virtual reality device or the augmented reality device may include a virtual reality helmet, virtual reality glasses, a virtual reality patch, an augmented reality helmet, augmented reality glasses, an augmented reality patch, or the like, or any combination thereof. For example, the virtual reality device or the augmented reality device may include Google Glass, a head-mounted display, VR, etc. In some embodiments, the built-in device in the motor vehicle may include an onboard computer, an onboard TV, etc.

[0033] In some embodiments, the server 12 can be any type of server capable of running a payment collection system. For example, the server 12 can be a rack-mounted server, a cloud server, a distributed server, etc. In some embodiments, the method for opening a payment collection account can be executed on the server 12. At this time, the server 12 can store data or instructions for executing the method for opening a payment collection account described in this specification, and can execute or be used to execute the data or instructions. In some embodiments, the server 12 can include a hardware device with data information processing capabilities and the necessary programs required to drive the hardware device to work. The server 12 can be connected to multiple user devices 11 in communication and receive account opening application data sent by the user devices 11.

[0034] In some embodiments, the method for opening a payment account can be executed on user device 11. In this case, user device 11 may store data or instructions for executing the method for opening a payment account described herein and may execute or be used to execute such data or instructions. In some embodiments, user device 11 may include a hardware device capable of data and information processing and the necessary programs to operate the hardware device.

[0035] In some embodiments, the method for opening a receiving account can also be performed jointly by the user device 11 and the server 12. For example, the user device 11 can display an interactive page and collect account opening application data entered by the operator through the interactive page. The server 12 can verify whether the target merchant meets the account opening requirements based on the account opening application data. If the target merchant meets the account opening requirements, the server 12 opens a receiving account for the target merchant. The user device 11 displays the account opening results on the interactive page.

[0036] In some embodiments, after receiving the account opening application data, the server 12 may interact with the external data source 13 to verify the account opening application data. When the verification result of the account opening application data indicates that the target merchant meets the account opening requirements, the server 12 may communicate with the target financial institution 14 and send an account opening instruction to the target financial institution 14, so that the target financial institution 14 can open a financial account for the target merchant. Furthermore, the server 12 may receive the account opening results (e.g., account information) from the target financial institution 14 and provide the account opening results to the user device 11 for display.

[0037] The target financial institution 14 may refer to a service system corresponding to an institution that can provide financial services. For example, the target financial institution 14 may be a domestic banking system, an overseas banking system, or the like.

[0038] It should be understood that Figure 1 The number of user devices 11 and servers 12 in the embodiment is merely illustrative. Any number of user devices 11 and servers 12 may be provided according to implementation requirements.

[0039] Figure 2 FIG2 shows a hardware structure diagram of a computing device provided according to an embodiment of this specification. The computing device 200 can be used as Figure 1 The user device 11 can also be used as Figure 1 The server 12 in the embodiment of the present invention can be used to execute the method for opening a payment account described in this specification.

[0040] like Figure 2 As shown, computing device 200 may include at least one storage medium 230 and at least one processor 220. In some embodiments, computing device 200 may further include communication port 250 and internal communication bus 210. Computing device 200 may also include I / O component 260.

[0041] The internal communication bus 210 can connect various system components, such as the storage medium 230 , the processor 220 , the communication port 250 , and the I / O component 260 .

[0042] I / O components 260 support input / output between computing device 200 and other components.

[0043] The communication port 250 is used for data communication between the computing device 200 and the outside world. For example, the communication port 250 can be used for data communication between the computing device 200 and a network. The communication port 250 can be a wired communication port or a wireless communication port.

[0044] Storage medium 230 may include a data storage device. The data storage device may be a non-transitory storage medium or a temporary storage medium. For example, the data storage device may include one or more of a disk 232, a read-only storage medium (ROM) 234, or a random access storage medium (RAM) 235. Storage medium 230 also includes at least one instruction set stored in the data storage device. The instruction set may include computer program code, which may include a program, routine, object, component, data structure, procedure, module, etc.

[0045] At least one processor 220 can be communicatively connected to at least one storage medium 230. When the computing device 200 is running, the at least one processor 220 reads the at least one instruction set and, according to the instructions of the at least one instruction set, executes the method for opening a payment account provided herein. The processor 220 can execute the steps included in the method for opening a payment account. The processor 220 can be in the form of one or more processors. In some embodiments, the processor 220 can include one or more hardware processors, such as a microcontroller, a microprocessor, a reduced instruction set computer (RISC), an application-specific integrated circuit (ASIC), an application-specific instruction set processor (ASIP), a central processing unit (CPU), a graphics processing unit (GPU), a physical processing unit (PPU), a microcontroller unit, a digital signal processor (DSP), a field programmable gate array (FPGA), an advanced RISC machine (ARM), a programmable logic device (PLD), any circuit or processor capable of performing one or more functions, or any combination thereof.

[0046] For illustrative purposes only, the computing device 200 shown in the accompanying drawings only has one processor 220. However, it should be noted that the computing device 200 described herein may also include multiple processors. Therefore, the operations and / or method steps disclosed herein may be performed by a single processor or jointly by multiple processors. For example, if the processor 220 of the computing device 200 is described herein as performing steps A and B, it should be understood that steps A and B may also be performed jointly or separately by two different processors 220 (e.g., a first processor performing step A and a second processor performing step B, or a first and a second processor performing steps A and B together).

[0047] Figure 3 A flow chart of a method for opening a payment account according to an embodiment of this specification is shown. As mentioned above, the payment collection system can execute the method for opening a payment account.

[0048] like Figure 3 As shown, the methods for opening a receiving account may include:

[0049] S310: When it is detected that the operator triggers an account opening request through the interactive page, the account opening application data related to the target merchant is obtained from the interactive page. The target merchant is the merchant for which a payment account is to be opened. The account opening application data represents the business information of the target merchant and the key person information associated with the target merchant.

[0050] In some embodiments, reference Figure 1The interactive page can be displayed on the user device 11. For example, the user device 11 may have a browser application installed. In response to an operator's operation, the user device 11 can access the webpage corresponding to the payment system through the browser and jump to the interactive page based on the webpage. Alternatively, the user device 11 may also run an application or mini-program corresponding to the payment system. In response to the operator's operation, the user device 11 can display the interactive page in the application or mini-program.

[0051] In some embodiments, the account opening application data includes the target merchant's business information and key person information associated with the target merchant, such as the target merchant's legal representative and shareholders whose shareholding ratio exceeds a preset threshold.

[0052] As an example, the account opening application data may include the merchant license and key person license uploaded by the operator through the interactive page, and the first business information of the target merchant filled in by the operator on the interactive page.

[0053] Figure 4 A schematic diagram of an interactive page provided according to an embodiment of this specification is shown. The interactive page is used to upload merchant information of a target merchant. In some embodiments, the interactive page includes at least an image upload area and an information input area. Figure 4 As an example, the interactive page may include a title "Upload Merchant Information", an image upload area 41, an information input area 42, and function buttons "Cancel" and "Next Page".

[0054] The image upload area 41 is used to upload the merchant license of the target merchant. For example, when the user device 11 detects a click operation on the interactive area in the image upload area 41, the image upload page can be displayed and the merchant license can be uploaded in response to the operation on the image upload page.

[0055] The information input area 42 is used to fill in the target merchant's business information (ie, the first business information). Figure 4 In the example A of FIG. 4 , the information input area 42 displays multiple titles, such as "Merchant Business Identification Code," "Merchant Name," "Merchant Address," "Merchant Business Scope," "Other Information 1," "Other Information 2," and "Other Information 3," each of which corresponds to a fill-in box. When the user device 11 detects a click operation on any of the fill-in boxes, a text input page may be displayed, and text may be entered into the fill-in box in response to the operation on the text input page.

[0056] In some embodiments, in response to detecting that an operator has uploaded a merchant ID in an image upload area, the payment system detects whether the merchant ID meets preset photography requirements. If the merchant ID meets the preset photography requirements, the payment system performs text recognition on the merchant ID to obtain a text recognition result, and pre-fills at least a portion of the information in the information input area based on the text recognition result.

[0057] In some embodiments, the preset shooting requirements may include at least one of the following: the merchant ID image must be free of at least one of watermarks, missing corners, reflections, blur, image manipulation, or re-photographing; and the merchant ID image must not be black and white. Merchant IDs that meet the preset shooting requirements will significantly reduce the probability of misrecognition, effectively improving the efficiency and accuracy of text recognition.

[0058] In some embodiments, when the merchant's license does not meet the preset shooting requirements, the payment system can display a prompt message on the interactive page, prompting the operator to re-upload the merchant's license.

[0059] In some embodiments, a merchant license may include multiple merchant information. For example, Figure 4 The "Merchant Business Identification Code," "Merchant Name," "Merchant Address," and "Merchant Business Scope" are shown in the payment system. After confirming that the merchant's ID meets the preset photography requirements, the payment system can perform text recognition on the merchant's ID to obtain a text recognition result. The text recognition result can include data corresponding to the aforementioned multiple merchant information.

[0060] In some embodiments, when at least part of the information in the information input area 42 is pre-filled based on the text recognition result, the payment system can fill in the data corresponding to the merchant information in the text recognition result under the corresponding merchant information and instruct the user device to display the filled data on the interactive page. Figure 4 In B, the payment system can fill in the corresponding data of "merchant industrial and commercial identification code", "merchant name", "merchant address" and "merchant business scope", and display the filled-in data in the corresponding filling box on the interactive page.

[0061] In some embodiments, because the text recognition results from the payment system on the merchant's license may not include the data corresponding to "Other Information 1," "Other Information 2," and "Other Information 3," only the "Merchant Business Identification Code," "Merchant Name," "Merchant Address," and "Merchant Business Scope" data can be pre-filled. In this case, the operator needs to manually fill in the data corresponding to "Other Information 1," "Other Information 2," and "Other Information 3."

[0062] Figure 5A schematic diagram of another interactive page provided according to an embodiment of the present specification is shown. The interactive page is used to upload relevant information of key merchant persons associated with a target merchant.

[0063] In some embodiments, Figure 4 After completing the interactive interface shown in A, you will get Figure 4 When the user device detects a click operation on the area displaying the "next page" function button, the user device displays Figure 5 The interactive page shown.

[0064] In some embodiments, reference Figure 5 The interactive page includes the merchant key person certificate upload area, the merchant key person information input area, the merchant key person addition area, and the function button area.

[0065] The merchant key person ID upload area is used to upload the key person ID associated with the target merchant. For example, when the user device 11 detects a click operation on the merchant key person ID upload area, the image upload page can be displayed and the key person ID can be uploaded in response to the operation on the image upload page.

[0066] In some embodiments, in response to detecting that an operator has uploaded a key person's ID in a merchant's key person ID upload area, the payment system checks whether the key person's ID meets preset photography requirements. If the key person's ID meets the preset photography requirements, the payment system performs text recognition on the key person's ID to obtain a text recognition result, and pre-fills at least a portion of the merchant's key person information input area with the text recognition result.

[0067] exist Figure 5 The interactive page displays a merchant key person's ID upload area and a merchant key person information input area corresponding to a merchant key person. When the user device detects a click operation on the merchant key person adding area, a merchant key person can be added, and the merchant key person ID upload area and the merchant key person information input area corresponding to the merchant key person are displayed.

[0068] Figure 6 A schematic diagram of another interactive page provided according to an embodiment of this specification is shown. The interactive page is used to authenticate the identity of a key person of a merchant.

[0069] In some embodiments, Figure 5 After uploading the key person's ID card in the interactive page shown in FIG, when the user device detects a click operation on the area displaying the "next page" function button, it can display Figure 6 The interactive page shown.

[0070] In some embodiments, Figure 6 The interactive page for face verification is shown in FIG, however, verification methods may also include SMS verification code verification, verification based on credit rating, etc. This manual does not limit the verification method. Figure 6 When the user device 11 detects a click operation on the face verification area, it can display the face verification page and continue to respond to operations on the face verification page to complete the merchant key person identity verification and obtain the merchant key person identity verification result.

[0071] In some embodiments, the merchant key person identity verification result indicates that the verification is successful. When the user device detects a click operation on the area displaying the "Submit" function button, it can send a submit instruction to the server. When the server receives the submit instruction, it confirms that it has detected that the operator has triggered the account opening request through the interactive page. The server obtains the merchant license and key person license, as well as the first business information uploaded by the operator, and uses the above data (the above license, key person license, and first business information) as the account opening application data.

[0072] S320: Based on the account opening application data, the target merchant is reviewed from the dimensions of entity authenticity and trade security to determine whether the target merchant meets the account opening conditions.

[0073] The goal of auditing target merchants from the perspective of authenticity is to verify the authenticity of the target merchant. The goal of auditing target merchants from the perspective of trade security is to verify that the target merchant has trade qualifications and is free of trade risks. By auditing target merchants from both the perspectives of authenticity and trade security, a more comprehensive audit of the target merchant can be achieved, leading to a more accurate determination of whether the target merchant meets the account opening requirements.

[0074] In some embodiments, the payment collection system may review the target merchant based on the account opening application data from the perspectives of both subject authenticity and trade security, obtaining subject authenticity review results and trade security review results. Furthermore, the payment collection system may conduct a comprehensive analysis based on the subject authenticity review results and trade security review results to determine whether the target merchant meets the account opening requirements. For example, if both the subject authenticity review results and the trade security review results are approved, the payment collection system determines that the target merchant meets the account opening requirements. If either the subject authenticity review result is unsuccessful or the trade security review result is unsuccessful, the payment collection system determines that the target merchant does not meet the account opening requirements.

[0075] In some embodiments, the payment collection system may further first review the target merchant from the perspective of subject authenticity based on the account opening application data to obtain a subject authenticity review result. If the subject authenticity review result is approved, the payment collection system then reviews the target merchant from the perspective of trade security based on the account opening application data to obtain a trade security review result. If the trade security review result is approved, the payment collection system determines that the target merchant meets the account opening conditions. If the trade security review result is unsuccessful, the payment collection system determines that the target merchant does not meet the account opening conditions. If the subject authenticity review result is unsuccessful, the payment collection system does not need to review the target merchant from the perspective of trade security, thereby improving review efficiency.

[0076] Figure 7 A schematic diagram of the audit process of the subject authenticity dimension provided according to an embodiment of this specification is shown.

[0077] In some embodiments, reference Figure 7 When the payment collection system reviews the target merchant from the dimension of subject authenticity, it can adopt the following method: obtain external merchant data related to the target merchant from an external data source, and determine the subject authenticity review result of the target merchant based on the account opening application data and the external merchant data.

[0078] The external data source can be a data provider that provides business information query services, a government website, an information query model, or the like. For example, when the external data source is a data provider, the data provider may provide an Application Programming Interface (API). The payment collection system can obtain external merchant data from the external data source based on the account opening application data and determine the authenticity verification result of the target merchant based on the account opening application data and the external merchant data.

[0079] In some embodiments, reference Figure 7 , the payment system can identify the second business information of the target merchant from the merchant license, and identify the first key person information from the key person license. For example, referring to the example in S310, the payment system can perform text recognition on the merchant license and the key person license to obtain a text recognition result when the merchant license and the key person license meet the preset shooting requirements. As an example, the text recognition result of the merchant license (second business information) may include the merchant name, merchant business identification code, merchant address, business scope, registration information, etc. The text recognition result of the key person license (first key person information) may include the key person's identification, personal information, and certificate information, etc.

[0080] In some embodiments, reference Figure 7, the payment system can obtain the third business information and second key person information of the target merchant from an external data source based on the merchant identification in the merchant license.

[0081] For example, when the external data source is a data provider, the payment system can provide the merchant name and merchant business identification code to the data provider via an API. Based on the merchant name and merchant business identification code, the data provider can obtain multiple pieces of merchant information (third-party business information) for the target merchant, such as the merchant address, business scope, and registration information. Furthermore, the payment system can also obtain information about the target merchant's legal representative and shareholders whose shareholding ratio exceeds a preset threshold through the external data source as second-party key person information corresponding to the target merchant.

[0082] In some embodiments, reference Figure 7 The payment system can determine the authenticity review result of the target merchant based on the comparison of the first industrial and commercial information, the second industrial and commercial information and the third industrial and commercial information, as well as the comparison of the first key person information and the second key person information.

[0083] As an example, when the attribute values ​​corresponding to the same merchant attributes in the first industrial and commercial information, the second industrial and commercial information, and the third industrial and commercial information are consistent, and the first key person information is consistent with the second key person information, the payment system determines that the subject authenticity review result is passed.

[0084] For example, the first, second, and third industrial and commercial information all include merchant information (i.e., merchant attributes) such as the merchant name, merchant industrial and commercial identification code, merchant address, business scope, and registration information. The first key person information and the second key person information each include at least one key person and the key person's personal information. When the merchant name, merchant industrial and commercial identification code, merchant address, business scope, and registration information in the first, second, and third industrial and commercial information are consistent, and the key person in the first and second key person information is the same and the key person's personal information is consistent, the payment system can determine that the entity authenticity review result is approved.

[0085] The payment collection system verifies the consistency between the industrial and commercial information corresponding to the target merchants from different sources, as well as the consistency between the key person information corresponding to the target merchants from different sources, and confirms the subject authenticity review result as passed when the two verification results are consistent. This can ensure the accuracy of the subject authenticity review result of the target merchant and provide accurate reference information for the opening of the payment collection account.

[0086] In some embodiments, the payment collection system may prompt the operator to modify the account opening application data on the interactive page if the authenticity review result of the subject is unsuccessful. There are many possible reasons for unsuccessful review, and different prompts can be used for each situation.

[0087] For example, referring to the above example, if the second business information is consistent with the third business information, but inconsistent with the first business information, the payment system can automatically modify the first business information based on the third business information and prompt the operator to confirm on the interactive page through the user device. In this way, the modification efficiency and operational convenience of the account opening application data can be improved.

[0088] For example, referring to the above example, if the key person in the first key person information and the second key person information are different, the payment system can prompt the user to Figure 5 The interactive interface shown is used to recheck the number of key merchant personnel and re-upload the certificates of key merchant personnel.

[0089] In some embodiments, when the authenticity review result of the subject is passed, the payment system can obtain the trade qualification information of the target merchant based on the account opening application data, and determine the trade security review result of the target merchant based on the trade qualification information.

[0090] Figure 8 A schematic diagram of the review process of the trade security dimension provided according to an embodiment of this specification is shown.

[0091] In some embodiments, reference Figure 8 The trade qualification information may include at least one of the following: the business development of the target merchant on the preset trading platform, the operating information of the target merchant, the credit information of the target merchant, the credit information of the key persons associated with the target merchant, the historical risk rating information of the target merchant, and the historical risk rating information of the key persons associated with the target merchant.

[0092] The exhibition situation of the target merchant on the preset transaction platform can include whether the target merchant opens a store on the preset transaction platform. The business information of the target merchant can include the tax situation, registered capital situation, historical overseas transaction data, intellectual property data, and the like of the target merchant. The credit information of the target merchant and the credit information of the key person associated with the target merchant can include whether the target merchant or the key person associated with the target merchant is involved in a person subject to enforcement of credit, whether the target merchant has business operation abnormalities, whether the target merchant or the key person associated with the target merchant has a judicial problem, and the like. The historical risk rating information of the target merchant and the historical risk rating information of the key person associated with the target merchant can include whether the target merchant or the key person associated with the target merchant is a blacklisted user, and whether the user equipment or the device network address of the target merchant or the key person associated with the target merchant is a device or device address corresponding to a blacklisted user.

[0093] In some embodiments, when obtaining the exhibition situation of the target merchant on the preset transaction platform, the collection system can generate a search instruction according to the identification of the target merchant and the platform information requiring the exhibition situation to be obtained, and input the search instruction into the API provided by the search engine. Then, the collection system receives the search result returned by the search engine, and obtains the exhibition situation of the target merchant on the preset transaction platform according to the search result. For example, the collection system can generate a guidance instruction of the large model according to the search result, input the guidance instruction into the large model, and obtain the reasoning result of the large model on the exhibition situation of the target merchant on the preset transaction platform. Further, the collection system can determine the exhibition situation of the target merchant on the preset transaction platform based on the above reasoning result.

[0094] In some embodiments, the collection system can obtain the business information of the target merchant, the credit information of the target merchant, and the credit information of the key person associated with the target merchant through an external data source. For example, the collection system can send the identification of the target merchant and the business dimension requiring query, the credit dimension requiring query to the external data source, and receive the query result returned by the external data source. Further, the collection system can determine the business information of the target merchant, the credit information of the target merchant, and the credit information of the key person associated with the target merchant based on the above query result.

[0095] In some embodiments, the collection system records a blacklist of merchants and key persons, and the collection system can query the blacklist according to the merchant identification of the target merchant and the identification information of the key person, and obtain a blacklist query result. Further, the collection system can determine the historical risk rating information of the target merchant and the historical risk rating information of the key person associated with the target merchant based on the blacklist query result.

[0096] In some embodiments, when determining the trade security audit results of the target merchant, the payment system may adopt the following method: input the trade qualification information into a pre-trained risk identification model, and audit the trade security of the target merchant based on the trade qualification information through the risk identification model to obtain the trade security audit results.

[0097] The risk identification model can be pre-trained based on sample data. For example, the sample data may include a trade qualification sample dataset, which includes multiple sets of trade qualification information samples and the risk control results (trade security review results) for each set of trade qualification information samples. The payment collection system can train the risk identification model through example learning, gradient learning (backpropagation algorithm), and other methods to obtain a pre-trained risk identification model. In this way, in actual application, after the payment collection system inputs the trade qualification information into the pre-trained risk identification model, it can obtain the trade security review results corresponding to the trade qualification information.

[0098] By reviewing the trade security of target merchants, the collection system can effectively avoid target merchants with credit problems, improve the accuracy and authority of the review of collection account opening, and thus avoid potential risks in the business development process in advance.

[0099] In the above solution, the payment collection system obtains external merchant data from an external data source and verifies the authenticity of the target merchant based on the account opening application data and external merchant data. Furthermore, the payment collection system obtains the target merchant's trade qualification information based on the account opening application data and verifies the target merchant's trade security based on this trade qualification information. If both verifications pass, the payment collection system determines that the target merchant meets the account opening requirements. This allows for strict verification of the target merchant, improving the accuracy of the verification results, and ultimately ensuring that the target financial institution accepts the verification results, thus achieving automated verification of the payment collection account opening.

[0100] S330: If the target merchant meets the account opening conditions, a payment account is opened for the target merchant, and the account opening result is fed back through an interactive page.

[0101] In some embodiments, if the trade security audit results in a passing result, the payment collection system determines that the target merchant meets the account opening requirements. When opening a payment collection account for the target merchant, the payment collection system may send an account opening instruction to the target financial institution, instructing the target financial institution to open a financial account for the target merchant. Furthermore, the payment collection system may receive the account information of the financial account from the target financial institution.

[0102] The target financial institution may be a banking system that cooperates with the payment collection system. The account opening instruction may include the target merchant's business information and the target merchant's account opening conditions review results (the target merchant meets the account opening conditions). After receiving the account opening instruction, the target financial institution will open a financial account for the target merchant based on the account opening conditions review results and the target merchant's business information. This financial account will serve as the target merchant's payment account in the payment collection system. The target financial institution may also generate account information for the financial account and send the account information to the payment collection system. The account information may include information such as the account number and password.

[0103] Figure 9 A schematic diagram showing prompt information in an interactive page provided according to an embodiment of this specification is shown.

[0104] In some embodiments, after receiving the account information of the financial account, the payment system may display a prompt message on the interactive page to prompt the target user that the account opening is successful. Figure 9 In A, the prompt message displayed on the interactive page can be "Congratulations, your information has been reviewed and your account has been opened. The account information is as follows: Account number: 111111111, initial password: 123456."

[0105] In some embodiments, if the trade security audit result is not passed (such as the target merchant is on the blacklist), the payment system can reject the account opening application. For example, the payment system can display a prompt message on the interactive page to indicate that the target merchant's information review has not passed. Figure 9 In B, the prompt message displayed on the interactive page may be "Sorry, your information has not passed the review". In some embodiments, if the trade security review result is a failure (for example, if there are doubts about the business situation or operating information of the target merchant on the preset trading platform), the payment system may add the target merchant to the manual review queue and display a prompt message on the interactive page to remind the operator that the account opening request is under review. Figure 9 In C, the prompt message displayed on the interactive page may be "Your information needs further review, and we expect to notify you of the account opening result within 1-2 working days."

[0106] It should be noted that in this specification, the time from receiving the account opening application to feedback of the account opening result through the interactive page is in seconds. Seconds means that the entire processing process takes no more than 1 minute, and seconds are used as the unit of processing time. For example, the time from receiving the account opening application to feedback of the account opening result through the interactive page for the method for opening a collection account provided in this specification generally does not exceed 10 seconds. In other words, after receiving the account opening application corresponding to the target merchant, the collection system can automatically review the target merchant's account opening application data, and automatically open a collection account for the target merchant if the review is passed. The entire account opening process does not exceed 10 seconds. That is, after submitting the account opening application, the target merchant can obtain the account opening result within 10 seconds.

[0107] In summary, in the method for opening a collection account provided in this specification, upon detecting that an operator has triggered an account opening request via an interactive page, the collection system obtains account opening application data from the interactive page. Based on the account opening application data, the collection system then reviews the target merchant from the perspectives of both subject authenticity and trade security to determine whether the target merchant meets the account opening requirements. Furthermore, if the target merchant meets the account opening requirements, the collection system opens a collection account for the target merchant and provides feedback on the account opening result via the interactive page. This demonstrates that this solution can automatically review the target merchant from the perspectives of subject authenticity and trade security based on the account opening application data, and automatically open a collection account for the target merchant if the review passes. Compared to manual review methods, this solution can improve review efficiency and reduce manual review costs. The above solution can provide feedback on the account opening result within seconds, from the time the account opening application is received, significantly reducing the time required to open a collection account and greatly improving the customer's account opening experience.

[0108] It should be noted that the user data obtained in this manual has been authorized by the user and does not involve user privacy.

[0109] Another aspect of this specification provides a computer-readable, non-transitory storage medium storing at least one instruction set for opening a payment account. When executed by a processor, the at least one instruction set directs the processor to implement the steps of the method for opening a payment account described herein. In some possible implementations, various aspects of this specification may also be implemented as a program product comprising program code. When executed on a computing device 200, the program code causes the computing device 200 to perform the steps of the method for opening a payment account described herein. The program product for implementing the aforementioned method may utilize a portable compact disc read-only memory (CD-ROM) comprising the program code and be executable on the computing device 200. However, the program product of this specification is not limited thereto. In this specification, a readable storage medium may be any tangible medium containing or storing a program that can be used by or in conjunction with an instruction execution system. The program product may utilize any combination of one or more readable media. The readable medium may be a readable signal medium or a readable storage medium. The readable storage medium may be, for example, but not limited to, an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, device, or any combination thereof. More specific examples of computer-readable storage media include: an electrical connection having one or more conductors, a portable disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. The computer-readable storage medium may include a data signal propagated in baseband or as part of a carrier wave, which carries readable program code. Such a propagated data signal may take a variety of forms, including but not limited to electromagnetic signals, optical signals, or any suitable combination of the foregoing. The computer-readable storage medium may also be any readable medium other than a readable storage medium that can transmit, propagate, or transfer a program for use by or in conjunction with an instruction execution system, apparatus, or device. The program code contained on the computer-readable storage medium may be transmitted using any suitable medium, including but not limited to wireless, wired, optical cable, RF, etc., or any suitable combination of the foregoing. Program code for performing the operations described herein may be written in any combination of one or more programming languages, including object-oriented programming languages ​​such as Java, C++, and conventional procedural programming languages ​​such as "C" or similar programming languages. The program code may execute entirely on the computing device 200, partially on the computing device 200, as a stand-alone software package, partially on the computing device 200 and partially on a remote computing device, or entirely on the remote computing device.

[0110] The foregoing description of this specification describes specific embodiments. Other embodiments are within the scope of the appended claims. In some cases, the actions or steps recited in the claims can be performed in an order different from that described in the embodiments and still achieve the desired results. Furthermore, the processes depicted in the accompanying drawings do not necessarily require the particular order or sequential order shown to achieve the desired results. In certain embodiments, multitasking and parallel processing are also possible or may be advantageous.

[0111] In summary, after reading this detailed disclosure, those skilled in the art will appreciate that the foregoing detailed disclosure may be presented by way of example only and may not be limiting. Although not expressly stated herein, those skilled in the art will understand that this specification encompasses various reasonable changes, improvements, and modifications to the embodiments. Such changes, improvements, and modifications are intended to be suggested by this specification and are within the spirit and scope of the exemplary embodiments of this specification.

[0112] Furthermore, certain terms in this specification have been used to describe embodiments of this specification. For example, “one embodiment,” “an embodiment,” and / or “some embodiments” mean that a particular feature, structure, or characteristic described in connection with that embodiment may be included in at least one embodiment of this specification. Therefore, it is emphasized and should be understood that two or more references to “an embodiment,” “one embodiment,” or “an alternative embodiment” in various parts of this specification do not necessarily refer to the same embodiment. Furthermore, particular features, structures, or characteristics may be appropriately combined in one or more embodiments of this specification.

[0113] It should be understood that in the foregoing descriptions of the embodiments of this specification, to facilitate understanding of a feature and to simplify this specification, various features are combined in a single embodiment, figure, or description thereof. However, this does not necessarily mean that these features are combined. When reading this specification, a person skilled in the art may label some of the devices as separate embodiments. In other words, the embodiments of this specification can also be understood as the integration of multiple sub-embodiments. The content of each sub-embodiment is also valid even when it includes fewer than all the features of a single previously disclosed embodiment.

[0114] Each patent, patent application, patent application publication, and other materials, such as articles, books, specifications, publications, documents, articles, and the like, cited herein, except to the extent that it is inconsistent or conflicting with this document or that it has a limiting effect on the broadest scope of the claims, is hereby incorporated by reference for all purposes now or hereafter connected with this document. In addition, in the event of any inconsistency or conflict between the description, definition, and / or use of a term in any material and the description, definition, and / or use of a term in this document, the term in this document shall control.

[0115] Finally, it should be understood that the embodiments of the application disclosed herein are illustrative of the principles of the embodiments of this specification. Other modified embodiments are also within the scope of this specification. Therefore, the embodiments disclosed in this specification are merely examples and not limitations. Those skilled in the art can adopt alternative configurations based on the embodiments in this specification to implement the application in this specification. Therefore, the embodiments of this specification are not limited to the embodiments precisely described in the application.

Claims

1. A method for opening a payment account, applied to a payment collection system, comprising: Upon detecting that an operator triggers an account opening request through an interactive page, obtaining account opening application data related to a target merchant from the interactive page, wherein the target merchant is a merchant for which a payment receiving account is to be opened, and the account opening application data represents the business information of the target merchant and information about key individuals associated with the target merchant; Based on the account opening application data, review the target merchant from the dimensions of subject authenticity and trade security to determine whether the target merchant meets the account opening conditions; as well as When the target merchant meets the account opening conditions, a payment account is opened for the target merchant, and the account opening result is fed back through the interactive page.

2. The method according to claim 1, wherein Based on the account opening application data, the target merchant is reviewed from the perspectives of subject authenticity and trade security to determine whether the target merchant meets the account opening conditions, including: Obtaining external merchant data related to the target merchant from an external data source, and determining a subject authenticity review result of the target merchant based on the account opening application data and the external merchant data; If the authenticity review result of the subject is passed, obtaining the trade qualification information of the target merchant based on the account opening application data, and determining the trade security review result of the target merchant based on the trade qualification information; and If the trade security audit result is passed, it is determined that the target merchant meets the account opening conditions.

3. The method according to claim 2, wherein: The account opening application data includes: the merchant license and key person license uploaded by the operator, and the first business information of the target merchant filled in by the operator; Obtaining external merchant data related to the target merchant from an external data source, and determining a subject authenticity review result of the target merchant based on the account opening application data and the external merchant data, including: Identify and obtain the second business information of the target merchant from the merchant license, and identify and obtain the first key person information from the key person license; Based on the merchant identification in the merchant license, obtaining the third business information and the second key person information of the target merchant from the external data source; and Based on the comparison of the first industrial and commercial information, the second industrial and commercial information and the third industrial and commercial information, and the comparison of the first key person information and the second key person information, the authenticity review result of the target merchant is determined.

4. The method according to claim 3, wherein: The determining of the target merchant's authenticity verification result based on the comparison of the first business information, the second business information, and the third business information, and the comparison of the first key person information and the second key person information, includes: When the attribute values ​​corresponding to the same enterprise attributes in the first industrial and commercial information, the second industrial and commercial information and the third industrial and commercial information are consistent, and the first key person information is consistent with the second key person information, the authenticity review result of the subject is determined to be passed.

5. The method according to claim 2, wherein: The method further comprises: When the authenticity review result of the subject is failure, the operator is prompted on the interactive page to modify the account opening application data.

6. The method according to claim 2, wherein: The trade qualification information includes at least one of the following: The business performance of the target merchant on the preset trading platform; Business information of the target merchant; Credit information of the target merchant; Credit information of key individuals associated with the target merchant; Historical risk rating information of the target merchant; and Historical risk rating information of key individuals associated with the target merchant.

7. The method according to claim 6, wherein: The determining of the trade security review result of the target merchant based on the trade qualification information includes: The trade qualification information is input into a pre-trained risk identification model, and the trade security of the target merchant is audited based on the trade qualification information by the risk identification model to obtain the trade security audit result.

8. The method according to claim 2, wherein: The method further comprises: If the trade security review result is failure, the target merchant will be added to the manual review queue, and a prompt message will be displayed on the interactive page to remind the operator that the account opening request is under review.

9. The method according to claim 1, wherein The interactive page includes at least an image upload area and an information input area, wherein the image upload area is used to upload the merchant license of the target merchant, and the information input area is used to fill in the business information of the target merchant. The method further includes: In response to detecting that the operator has uploaded the merchant ID in the image upload area, detecting whether the merchant ID meets a preset shooting requirement; If the merchant license meets the preset shooting requirements, perform text recognition on the merchant license to obtain a text recognition result, and pre-fill at least part of the information in the information input area based on the text recognition result; If the merchant's license does not meet the preset shooting requirements, the operator is prompted to re-upload the merchant's license.

10. The method according to claim 1, wherein The step of opening a payment account for the target merchant includes: Sending an account opening instruction to a target financial institution to instruct the target financial institution to open a financial account for the target merchant; and Account information of the financial account is received from the target financial institution.

11. The method according to claim 1, wherein The time from receiving the account opening application to feeding back the account opening result through the interactive page is in the order of seconds.

12. A payment collection system comprising: at least one storage medium storing at least one instruction set for opening a payment receiving account; as well as At least one processor is communicatively connected to the at least one storage medium, wherein when the payment collection system is running, the at least one processor reads the at least one instruction set and, according to the instructions of the at least one instruction set: Upon detecting that an operator triggers an account opening request through an interactive page, obtaining account opening application data related to a target merchant from the interactive page, wherein the target merchant is a merchant for which a payment receiving account is to be opened, and the account opening application data represents the business information of the target merchant and information about key individuals associated with the target merchant; Based on the account opening application data, review the target merchant from the perspectives of subject authenticity and trade security to determine whether the target merchant meets the account opening conditions; and When the target merchant meets the account opening conditions, a payment account is opened for the target merchant, and the account opening result is fed back through the interactive page.

13. The system according to claim 12, wherein: In order to determine whether the target merchant meets the account opening conditions, the at least one processor: Obtaining external merchant data related to the target merchant from an external data source, and determining a subject authenticity review result of the target merchant based on the account opening application data and the external merchant data; If the authenticity review result of the subject is passed, obtaining the trade qualification information of the target merchant based on the account opening application data, and determining the trade security review result of the target merchant based on the trade qualification information; as well as If the trade security audit result is passed, it is determined that the target merchant meets the account opening conditions.

14. The system according to claim 13, wherein: The account opening application data includes: the merchant license and key person license uploaded by the operator, and the first business information of the target merchant filled in by the operator; In order to determine the authenticity verification result of the target merchant, the at least one processor: Identify and obtain the second business information of the target merchant from the merchant license, and identify and obtain the first key person information from the key person license; Based on the merchant identification in the merchant license, obtaining the third business information and the second key person information of the target merchant from the external data source; and Based on the comparison of the first industrial and commercial information, the second industrial and commercial information and the third industrial and commercial information, and the comparison of the first key person information and the second key person information, the authenticity review result of the target merchant is determined.

15. The system according to claim 14, wherein: In order to determine the authenticity verification result of the target merchant, the at least one processor: When the attribute values ​​corresponding to the same merchant attributes in the first industrial and commercial information, the second industrial and commercial information and the third industrial and commercial information are consistent, and the first key person information is consistent with the second key person information, the authenticity review result of the subject is determined to be passed.

16. The system of claim 13, wherein: The at least one processor further: When the authenticity review result of the subject is failure, the operator is prompted on the interactive page to modify the account opening application data.

17. The system of claim 13, wherein: The trade qualification information includes at least one of the following: The business performance of the target merchant on the preset trading platform; Business information of the target merchant; Credit information of the target merchant; Credit information of key individuals associated with the target merchant; Historical risk rating information of the target merchant; and Historical risk rating information of key individuals associated with the target merchant.

18. The system according to claim 17, wherein: To determine a trade security audit result of the target merchant, the at least one processor: The trade qualification information is input into a pre-trained risk identification model, and the trade security of the target merchant is audited based on the trade qualification information by the risk identification model to obtain the trade security audit result.

19. The system of claim 13, wherein: The at least one processor further: If the trade security review result is failure, the target merchant will be added to the manual review queue, and a prompt message will be displayed on the interactive page to remind the operator that the account opening request is under review.

20. A computer-readable non-volatile storage medium, wherein: The computer-readable non-volatile storage medium stores at least one instruction set, and when the at least one instruction set is executed by at least one processor, the method according to any one of claims 1 to 11 is implemented.

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