Data processing method and device for account opening service

Abstract

The invention discloses a data processing method and device for an account opening service, relates to the technical field of data processing, and mainly aims to solve the problem of low data processing efficiency of an existing account opening service. Comprising the following steps: when an account opening request of a user is received, acquiring account opening application information carried on the basis of the account opening request and a docking relationship and a service authority configured on the basis of mechanism information; determining account opening business process information based on the docking relationship, the business authority and the account opening application information, and determining an institution object corresponding to the account opening business process information, so as to send the account opening business process information to the institution object; and when an account opening auditing result generated by the institution object based on the account opening business process information is obtained, feeding back the account opening auditing result to the user.

Description

Technical Field

[0001] This application relates to the field of data processing technology, and in particular to a data processing method and apparatus for account opening business. Background Technology

[0002] With the gradual development of financial technology, big data processing technology has been integrated into financial operations. Trading institutions are using big data processing methods to provide technical support for various financial products and services. In particular, trading institutions such as funds, securities firms, banks, and insurance companies utilize big data processing technology to build electronic accounts when providing account opening services to users, in order to achieve the processing objectives of electronic accounts.

[0003] Currently, account opening typically involves multiple processes, such as qualification verification, compliance review, and permission configuration. Each process requires different information, necessitating offline submission of necessary documents or uploading via interfaces developed by different vendors to complete the entire process. However, the differing information requirements between these processes create fragmentation between offline operations, impacting data processing efficiency. Furthermore, the time-consuming nature of customized interfaces from various vendors significantly increases account opening costs for different business units. This also makes it difficult to adapt to the diverse IT architectures of different trading institutions, resulting in high system modification costs and long business rule expansion cycles. Therefore, a new data processing method for account opening is urgently needed to address these issues. Summary of the Invention

[0004] In view of this, this application provides a data processing method and apparatus for account opening business, the main purpose of which is to solve the problem of low data processing efficiency in existing account opening business.

[0005] According to one aspect of this application, a data processing method for account opening services is provided, comprising:

[0006] When a user's account opening request is received, the system obtains the account opening application information carried in the request, as well as the connection relationship and business permissions configured based on the institution information.

[0007] Based on the connection relationship, the business permissions, and the account opening application information, the account opening business process information is determined, and the corresponding institutional object is determined, so as to send the account opening business process information to the institutional object.

[0008] When the account opening review result generated by the institution based on the account opening business process information is obtained, the account opening review result is fed back to the user.

[0009] Furthermore, obtaining the account opening application information carried in the account opening request, as well as the interface relationship and business permissions configured based on the institution information, includes:

[0010] The system retrieves the account opening application information carried in the account opening request through the configuration center, and determines the connection relationship based on the account opening requirement information in the account opening application information. The institutional information includes financial institutions and trading institutions, and the connection relationship is used to characterize the account opening connection relationship between financial institutions and trading institutions.

[0011] After the configuration center completes the configuration of business permissions based on the user's basic information in the account opening application information, it loads the business permissions and the connection relationship.

[0012] Furthermore, the determination of the institutional object corresponding to the account opening process information includes:

[0013] The institution routing center parses the account opening business nodes in the account opening business process information and performs permission verification on the financial institution and the trading institution according to the account opening business nodes.

[0014] Once the permission verification is passed, the institution object is selected from the institution information according to the account opening business node.

[0015] Furthermore, the method also includes:

[0016] After sending the account opening process information to the institution, the institution performs account opening review on the account opening process node and the user basic information. The account opening process node is used to represent the node that needs to perform information review and the node that creates electronic account information in the account opening process.

[0017] The agency routing center integrates the node review results obtained from different account opening business nodes and generates the account opening review results, which include the review passed results, the supplementary modification results, and the review failed results.

[0018] Furthermore, the method also includes:

[0019] The identity identifier of the user's basic information is determined, and when the account opening business node and the user's basic information are reviewed through the institution object, the node review result is marked based on the identity identifier;

[0020] The node review results with identification, the user's basic information, and the account information are stored in a preset database;

[0021] In response to query requests from the financial institution and the trading institution, account information and business process data corresponding to the identifier carried in the query request are retrieved from the preset database.

[0022] Furthermore, the method also includes:

[0023] When the account opening review result includes information about an already activated account, the financial transaction code information is obtained through the receipt request triggered by the trading institution, and the financial transaction code information is fed back to the financial institution through the institution's routing center, so that the user can conduct financial business operations through the financial transaction code information.

[0024] Furthermore, the method also includes:

[0025] The financial institution receives the account opening request triggered by the user; or,

[0026] The system connects to the financial institution through an institutional interface developed by a third-party interactive platform, and receives the account opening request triggered by the user through the third-party interactive platform.

[0027] According to another aspect of this application, a data processing apparatus for account opening services is provided, comprising:

[0028] The acquisition module is used to acquire, upon receiving a user's account opening request, the account opening application information carried in the account opening request and the connection relationship and business permissions configured based on the institution information.

[0029] The determination module is used to determine the account opening business process information based on the connection relationship, the business permissions and the account opening application information, and to determine the institution object corresponding to the account opening business process information, so as to send the account opening business process information to the institution object.

[0030] The feedback module is used to provide feedback on the account opening review result to the user when the account opening review result generated by the institution based on the account opening business process information is obtained.

[0031] Furthermore, the acquisition module is specifically used to retrieve the account opening application information carried in the account opening request through the configuration center, and determine the connection relationship based on the account opening requirement information in the account opening application information. The institution information includes financial institutions and trading institutions, and the connection relationship is used to characterize the account opening connection relationship between financial institutions and trading institutions. After the configuration center completes the configuration of business permissions based on the user basic information in the account opening application information, it loads the business permissions and the connection relationship.

[0032] Furthermore, the determining module is specifically used to parse the account opening business nodes in the account opening business process information through the institution routing center, and to perform permission verification on the financial institution and the trading institution according to the account opening business nodes; when the permission verification is passed, the institution object is selected from the institution information according to the account opening business nodes.

[0033] Furthermore, the device also includes:

[0034] The review module is used to review the account opening business nodes and the user basic information through the institution object after sending the account opening business process information to the institution object. The account opening business nodes are used to represent the nodes that need to review information and create electronic account information in the account opening business.

[0035] The generation module is used to integrate the node review results obtained from the review of different account opening business nodes through the institution's routing center, and generate the account opening review results, which include the review passed results, the supplementary modification results, and the review failed results.

[0036] Furthermore,

[0037] The determining module is further configured to determine the identity identifier of the user's basic information, and when the institution performs account opening review on the account opening business node and the user's basic information, mark the node review result based on the identity identifier; store the node review result with the identifier, the user's basic information, and the account information in a preset database; and in response to the query requests from the financial institution and the trading institution, retrieve the account information and business process data corresponding to the identifier carried in the query request from the preset database.

[0038] Furthermore, the acquisition module is specifically used to acquire financial transaction code information through the receipt request triggered by the trading institution when the account opening review result includes information on an already activated account, and to feed back the financial transaction code information to the financial institution through the institution routing center, so that the user can perform financial business operations through the financial transaction code information.

[0039] Furthermore, the device also includes:

[0040] The receiving module receives the account opening request triggered by the user through the financial institution; or, it accesses the financial institution through an institutional interface developed by a third-party interaction platform and receives the account opening request triggered by the user through the third-party interaction platform.

[0041] According to another aspect of this application, a storage medium is provided, wherein at least one executable instruction is stored therein, the executable instruction causing a processor to perform an operation corresponding to the data processing method for the account opening business described above.

[0042] According to another aspect of this application, a terminal is provided, comprising: a processor, a memory, a communication interface, and a communication bus, wherein the processor, the memory, and the communication interface communicate with each other through the communication bus;

[0043] The memory is used to store at least one executable instruction, which causes the processor to perform the operation corresponding to the data processing method of the above-mentioned account opening business.

[0044] By employing the above technical solutions, the technical solutions provided in the embodiments of this application have at least the following advantages:

[0045] This application provides a data processing method and apparatus for account opening services. Compared with the prior art, the embodiments of this application, upon receiving a user's account opening request, acquire account opening application information carried in the request, as well as the connection relationship and business permissions configured based on institutional information; determine account opening process information based on the connection relationship, the business permissions, and the account opening application information, and identify the institutional object corresponding to the account opening process information, and send the account opening process information to the institutional object; when the account opening review result generated by the institutional object based on the account opening process information is obtained, the account opening review result is fed back to the user, realizing the entire process operation of online account opening services, reducing the account opening costs of various institutions, greatly adapting to the differentiated IT architectures between different trading institutions, reducing system operating costs, and thus improving the efficiency of account opening process execution.

[0046] The above description is only an overview of the technical solution of this application. In order to better understand the technical means of this application and to implement it in accordance with the contents of the specification, and to make the above and other objects, features and advantages of this application more obvious and understandable, the following are specific embodiments of this application. Attached Figure Description

[0047] Various other advantages and benefits will become apparent to those skilled in the art upon reading the following detailed description of preferred embodiments. The accompanying drawings are for illustrative purposes only and are not intended to limit the scope of this application. Furthermore, the same reference numerals denote the same parts throughout the drawings. In the drawings:

[0048] Figure 1 A flowchart illustrating a data processing method for account opening services provided in an embodiment of this application is shown.

[0049] Figure 2 This paper presents a schematic diagram of an account opening service center structure provided in an embodiment of this application.

[0050] Figure 3 This application provides a schematic diagram of an account opening process according to an embodiment of the present application.

[0051] Figure 4 This paper shows a block diagram of a data processing apparatus for an account opening service provided in an embodiment of this application.

[0052] Figure 5 A schematic diagram of the structure of a terminal provided in an embodiment of this application is shown. Detailed Implementation

[0053] Exemplary embodiments of the present disclosure will now be described in more detail with reference to the accompanying drawings. While exemplary embodiments of the present disclosure are shown in the drawings, it should be understood that the present disclosure may be implemented in various forms and should not be limited to the embodiments set forth herein. Rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the scope of the disclosure to those skilled in the art.

[0054] It should be noted that the terms "first," "second," etc., in the specification, claims, and accompanying drawings of this application are used to distinguish similar objects and are not necessarily used to describe a specific order or sequence. It should be understood that such data can be interchanged where appropriate so that the embodiments of this application described herein can be implemented in orders other than those illustrated or described herein. Furthermore, the terms "comprising" and "having," and any variations thereof, are intended to cover non-exclusive inclusion; for example, a process, method, system, product, or apparatus that comprises a series of steps or units is not necessarily limited to those steps or units explicitly listed, but may include other steps or units not explicitly listed or inherent to such processes, methods, products, or apparatus.

[0055] This application provides a data processing method for account opening services, such as... Figure 1 As shown, the method includes:

[0056] 101. When a user's account opening request is received, obtain the account opening application information carried in the account opening request, as well as the connection relationship and business permissions configured based on the institution information.

[0057] In this embodiment, the current execution terminal, acting as the data processing entity for account opening, can be a server-side service provider for processing business information at a trading institution, such as a business processing center server, to execute the account opening process. The user is the individual needing to open an account at the trading institution; therefore, by triggering an account opening request, the user initiates the current execution terminal to retrieve the account opening application information carried in the request. Simultaneously, the institution information includes financial institutions and trading institutions. The connection relationship characterizes the account opening connection between the financial institution and the trading institution. For example, the financial institution can be an institution configured in various local financial companies and operable by business personnel, such as... Figure 2 The financial institutions A and B shown can be trading institutions that are affiliated with the trading company, such as... Figure 2 The futures companies A and B mentioned in this application embodiment are not specifically limited. Furthermore, business permissions, used to characterize the authority to perform account opening business, can be determined based on pre-set institutional permissions in the institutional information; this application embodiment does not specifically limit this.

[0058] It should be noted that the account opening application information is used to represent the relevant information carried by the user when requesting to open an account, including but not limited to basic user information (such as identity information), transaction methods, etc. The user can input this information when triggering the account opening request, and this application embodiment does not impose any specific limitations.

[0059] 102. Based on the connection relationship, the business permissions, and the account opening application information, determine the account opening business process information, and determine the institution object corresponding to the account opening business process information, so as to send the account opening business process information to the institution object.

[0060] In this embodiment, after the current execution terminal obtains the connection relationship, business permissions, and account opening application information, it determines the account opening business process information based on these information. This account opening business process information characterizes the business process content to be executed during the account opening process. It can be determined based on a pre-configured business process mapping relationship. For example, the connection relationship is between financial institution A and futures company B, and the business permissions are that a user can open an account after depositing 10,000 yuan, or that financial institution A, futures company A, and B can execute the account opening business. The account opening business process information queried based on the pre-configured business process mapping relationship includes a first process of sending the account opening application information to financial institution A and futures company B for verification, and a second process of feeding back the verified information to the current execution terminal for account creation. This embodiment does not impose specific limitations.

[0061] It should be noted that since the institutional information may include multiple financial institutions or multiple trading institutions, in order to improve the efficiency of executing the account opening business process information, the current execution end determines the institutional object corresponding to the account opening business process information and sends the account opening business process information to the institutional object. At this time, the institutional object is the institution that ultimately needs to be verified for the account opening application.

[0062] 103. When the account opening review result generated by the institution based on the account opening business process information is obtained, the account opening review result is fed back to the user.

[0063] In this embodiment, after the account opening application information is sent to the institution, the institution reviews the application information according to the account opening business process information to obtain the account opening review result, and finally feeds the account opening review result back to the user. At this time, the account opening review result can be "approved", "failed", or require supplementary modifications, etc., so that the user can perform relevant operations.

[0064] It should be noted that, in the embodiments of this application, when conducting account opening review, the institutional object can be based on manual review or intelligent review based on machine learning algorithms. This embodiment of the application does not make specific limitations.

[0065] In another embodiment of this application, for further definition and explanation, the steps of obtaining the account opening application information carried by the account opening request and the interface relationship and business permissions configured based on the institution information include:

[0066] The system retrieves the account opening application information carried in the account opening request through the configuration center, and determines the connection relationship based on the account opening requirement information in the account opening application information.

[0067] After the configuration center completes the configuration of business permissions based on the user's basic information in the account opening application information, it loads the business permissions and the connection relationship.

[0068] To achieve the goal of streamlining the account opening process and meet the online account opening needs of multiple users, simplifying the account opening process, the configuration center retrieves the account opening application information carried in the account opening request. The configuration center is a data processing module specifically created for the account opening process on the current execution end. It determines the connection relationship based on the account opening requirement information in the account opening application information. This requirement information can be the financial-related business content that the user wants to execute after opening an account, such as futures trading or insurance trading; this embodiment does not specify a particular option. Configuration can be based on multiple execution institutions requested in the user's requirement information, or a query can be performed based on a pre-configured mapping relationship for a single execution institution requested in the user's requirement information; this embodiment does not specify a particular option. Furthermore, the configuration center can configure business permissions based on the user's basic information. This can be done based on information such as the user's balance or transaction history, or by extracting relevant information from the user's basic information according to different account opening scenarios; this embodiment does not specify a particular option. Once the configuration center completes the configuration of business permissions based on the user's basic information in the account opening application information, the current execution end loads the business permissions and connection relationships.

[0069] In another embodiment of this application, for further definition and explanation, the step of determining the institutional object corresponding to the account opening business process information includes:

[0070] The institution routing center parses the account opening business nodes in the account opening business process information and performs permission verification on the financial institution and the trading institution according to the account opening business nodes.

[0071] Once the permission verification is passed, the institution object is selected from the institution information according to the account opening business node.

[0072] To improve the effectiveness of identifying the target account opening entity and thus select the account opening institution with the most optimized process, the current execution end parses the account opening business nodes in the account opening business process information through the institution routing center. At this point, each account opening business node represents a business node where various institutions need to review the account opening application information. For example, the account opening business process information includes at least two trading institutions reviewing identity and one financial institution reviewing deposit balances. Therefore, the account opening business nodes can be determined based on a random allocation method, requiring both trading institutions and financial institutions. This embodiment does not impose specific limitations. Furthermore, the current execution end verifies the permissions of financial institutions and trading institutions according to the account opening business nodes. This permission verification can determine whether the financial institution and trading institution have the authority to execute online account opening business. For example, permission verification instructions are sent to the trading institution and financial institution, and the institution personnel provide feedback on the permission verification results through the instructions. This embodiment does not impose specific limitations.

[0073] It should be noted that when the authorization verification is passed, the institution objects are filtered out from the institution information according to the account opening business node. At this time, if all institutions can execute the account opening business node, the filtering can be carried out in a random manner, or the sorting and allocation can be carried out from low to high based on the number of completed account opening business. This application embodiment does not make specific limitations.

[0074] In a specific implementation scenario, when financial institutions and futures firms connect to the platform as the current execution end, a unique token is assigned based on the user ID. Throughout the entire account opening process, every request includes this token so that the business processing center can verify the data associated with it. For example, the business processing center verifies the user IDs of the institutions and futures firms applying for pre-account opening. When the futures and institutional systems connect to the configuration center, the configuration center issues a unique token based on the user IDs of the futures and institutional systems. When the futures and institutional systems access the business processing center, they include this token. The business processing center, upon receiving this token, internally requests the configuration center to verify its validity. Once verified, each futures and institutional system can see the business data under its own user ID, ensuring that only the initiating institution or futures firm is allowed to view the business process data.

[0075] In another embodiment of this application, for further definition and explanation, the steps also include:

[0076] After sending the account opening process information to the institution, the institution performs account opening review on the account opening process node and the user's basic information.

[0077] The agency routing center integrates the node review results obtained from the review of different account opening business nodes and generates the account opening review result.

[0078] To achieve the purpose of online account opening information review and simplify the account opening process, the current execution end first determines the institutional object to send account opening process information. Then, the institutional object reviews the account opening process nodes and user basic information. Here, the account opening process nodes represent the nodes required for information review and electronic account information creation in the account opening process. These nodes are created by technical personnel based on the account opening process; that is, corresponding account opening process nodes are pre-configured in different account opening process information. This application embodiment does not impose specific limitations. For example, futures company A and financial institution B, as account opening reviewers, are configured as account opening process nodes. Furthermore, after multiple institutional objects complete their reviews, the institutional routing center integrates the node review results obtained from different account opening process nodes and generates an account opening review result. This result includes a passed review, a supplementary modification result, and a failed review result. This application embodiment does not impose specific limitations. Additionally, during the review process, the institutional object can use manual review or artificial intelligence algorithms for review. This application embodiment does not impose specific limitations.

[0079] It should be noted that when the agency routing center integrates the node review results obtained from different account opening business nodes, it can count them according to the number of node review results. For example, if the number of approved results of each node exceeds the preset first pass threshold, it can be integrated into approved review. If the number does not exceed the preset first pass threshold but exceeds the preset second pass threshold, it can be integrated into supplementary modification results. If it is less than the preset second pass threshold, it can be integrated into failed review. This application embodiment does not make specific limitations.

[0080] In another embodiment of this application, for further definition and explanation, the steps also include:

[0081] The identity identifier of the user's basic information is determined, and when the account opening business node and the user's basic information are reviewed through the institution object, the node review result is marked based on the identity identifier;

[0082] The node review results with identification, the user's basic information, and the account information are stored in a preset database;

[0083] In response to query requests from the financial institution and the trading institution, account information and business process data corresponding to the identifier carried in the query request are retrieved from the preset database.

[0084] To ensure the validity of the verification of all information of account opening users, the current execution terminal first determines the identity identifier of the user's basic information, such as a marked identity ID. When verifying the account opening business nodes and user basic information through the institutional object, the node verification results are marked based on this identity identifier for unified marking throughout the entire process. Furthermore, since marking is also performed during the verification process, the node verification results with the identifier, user basic information, and account information are stored in a preset database. At this time, the account information is the electronic account created by the current execution terminal after verification. The preset database can be a database configured by a financial institution or trading institution; this application embodiment does not specify a particular database. Furthermore, in different scenarios, financial institutions or trading institutions can trigger query requests to retrieve the account information and business process data corresponding to the carried identifier from the preset database. In this case, the business process data is all the business nodes and other information marked during the account opening verification; this application embodiment does not specify a particular business process data.

[0085] In a specific implementation scenario, the current execution end is the business processing center platform. Information to be stored is uniformly stored as archives in the business processing center's database, where encrypted storage is possible. The business processing center generates public and private key files based on the institution's user ID. The public key is stored in the business processing center's database, and the private key is sent to the corresponding institution via the routing center. The institution then stores the private key in its database. When uploading an archive, the system first queries the business processing center's database for the public key information based on the institution's user ID. If not found, a public and private key are generated. The public key is stored in the business processing center's database, and the private key, after being scrambled, is sent to the institution for storage. After obtaining the public key, the file to be uploaded is encrypted. When downloading an archive, the system queries the private key based on the institution's user ID, decrypts the file using the scrambled private key, and then decrypts the file to be downloaded.

[0086] In another embodiment of this application, for further definition and explanation, the steps also include:

[0087] When the account opening review result includes information about an already activated account, the financial transaction code information is obtained through the receipt request triggered by the trading institution, and the financial transaction code information is fed back to the financial institution through the institution's routing center, so that the user can conduct financial business operations through the financial transaction code information.

[0088] To ensure the effectiveness of post-account opening transactions and improve efficiency, trading institutions generate a receipt for successfully opened accounts. This receipt request is triggered by the trading institution, which then enters the transaction code information returned after successful account opening. This allows the current execution end to access the financial transaction code information, which is then relayed to the financial institution via the institution's routing center. This allows the user to conduct financial transactions using the financial transaction code information. For example, a futures institution's staff member clicks the "Return Transaction Receipt" button, enters the transaction code information returned after successful account opening, and transmits it to the institution's side via the routing center. The institution's staff member can then view the applied transaction code information on the transaction results interface.

[0089] In another embodiment of this application, for further definition and explanation, the steps also include:

[0090] The financial institution receives the account opening request triggered by the user; or,

[0091] The system connects to the financial institution through an institutional interface developed by a third-party interactive platform, and receives the account opening request triggered by the user through the third-party interactive platform.

[0092] To facilitate online account opening for users and simplify the complex account opening process, the current execution terminal receives user requests in different application scenarios. It can receive user-triggered account opening requests through financial institutions. In this case, the financial institution can choose an online service platform or offline institutional equipment to provide the user with an event to trigger the account opening request. In another embodiment, a linked application can be created through a third-party interactive platform and accessed through the linked institutional interface to receive user-triggered account opening requests. For example, a user might access a financial institution's platform through a WeChat mini-program and request to open an account.

[0093] In a specific account opening scenario, such as Figure 3As shown, during the operation, after the financial institution's staff clicks the "Pre-open Account" button, the Apache server will automatically forward the request to the Jinqitong platform's business processing center according to the proxy configuration rules (e.g., if the institution's aggregation side uses a specific port to initiate the business, Apache will forward the request to the business processing center). This will lead to the "Pre-open Account Application" page. Subsequently, the staff must fill in the relevant form information as required and submit it. The business processing center's workflow system will perform corresponding processing, such as changing the status of process nodes, converting text-based business data to the database, and storing archive files. The business processing flow data for this process will be pushed to the corresponding financial institution and futures institution through the routing center. The futures institution's staff logs into the futures application and can view this flow record on the business processing flow interface. Clicking the details button will show the specific pre-open account application information. The futures institution's staff reviews the filled-in form information and can choose to reject or approve it, which will serve as the review result. If rejected, the staff fills in remarks and returns the process, and the financial institution's staff re-fills the process form based on the rejected remarks. If approved, the financial institution's staff will download the application form, stamp it, upload the stamped application document, and submit it to the futures institution for review. The futures institution's staff can also choose to reject or approve the application based on the actual information provided. If approved, the process is complete, indicating that the account opening application was successful.

[0094] This application provides a data processing method for account opening services. Compared with the prior art, this application, upon receiving a user's account opening request, obtains the account opening application information carried in the request, as well as the connection relationship and business permissions configured based on institutional information. Based on the connection relationship, the business permissions, and the account opening application information, it determines the account opening process information and identifies the institutional object corresponding to the process information, then sends the process information to that institutional object. When the account opening review result generated by the institutional object based on the process information is obtained, the review result is fed back to the user. This achieves full-process online account opening operations, reduces the account opening costs for various institutions, greatly adapts to the differentiated IT architectures of different trading institutions, reduces system operating costs, and thus improves the efficiency of the account opening process.

[0095] Furthermore, as a response to the above Figure 1 The implementation of the method shown in this application provides a data processing device for account opening services, such as... Figure 4 As shown, the device includes:

[0096] The acquisition module 21 is used to acquire, when receiving a user's account opening request, the account opening application information carried in the account opening request and the connection relationship and business permissions configured based on the institution information;

[0097] The determination module 22 is used to determine the account opening business process information based on the connection relationship, the business permissions and the account opening application information, and to determine the institution object corresponding to the account opening business process information, so as to send the account opening business process information to the institution object;

[0098] Feedback module 23 is used to provide feedback on the account opening review result to the user when the account opening review result generated by the institution based on the account opening business process information is obtained.

[0099] Furthermore, the acquisition module is specifically used to retrieve the account opening application information carried in the account opening request through the configuration center, and determine the connection relationship based on the account opening requirement information in the account opening application information. The institution information includes financial institutions and trading institutions, and the connection relationship is used to characterize the account opening connection relationship between financial institutions and trading institutions. After the configuration center completes the configuration of business permissions based on the user basic information in the account opening application information, it loads the business permissions and the connection relationship.

[0100] Furthermore, the determining module is specifically used to parse the account opening business nodes in the account opening business process information through the institution routing center, and to perform permission verification on the financial institution and the trading institution according to the account opening business nodes; when the permission verification is passed, the institution object is selected from the institution information according to the account opening business nodes.

[0101] Furthermore, the device also includes:

[0102] The review module is used to review the account opening business nodes and the user basic information through the institution object after sending the account opening business process information to the institution object. The account opening business nodes are used to represent the nodes that need to review information and create electronic account information in the account opening business.

[0103] The generation module is used to integrate the node review results obtained from the review of different account opening business nodes through the institution's routing center, and generate the account opening review results, which include the review passed results, the supplementary modification results, and the review failed results.

[0104] Furthermore,

[0105] The determining module is further configured to determine the identity identifier of the user's basic information, and when the institution performs account opening review on the account opening business node and the user's basic information, mark the node review result based on the identity identifier; store the node review result with the identifier, the user's basic information, and the account information in a preset database; and in response to the query requests from the financial institution and the trading institution, retrieve the account information and business process data corresponding to the identifier carried in the query request from the preset database.

[0106] Furthermore, the acquisition module is specifically used to acquire financial transaction code information through the receipt request triggered by the trading institution when the account opening review result includes information on an already activated account, and to feed back the financial transaction code information to the financial institution through the institution routing center, so that the user can perform financial business operations through the financial transaction code information.

[0107] Furthermore, the device also includes:

[0108] The receiving module receives the account opening request triggered by the user through the financial institution; or, it accesses the financial institution through an institutional interface developed by a third-party interaction platform and receives the account opening request triggered by the user through the third-party interaction platform.

[0109] This application provides a data processing device for account opening services. Compared with the prior art, this application, upon receiving a user's account opening request, obtains account opening application information carried in the request, as well as the connection relationship and business permissions configured based on institutional information; determines account opening process information based on the connection relationship, the business permissions, and the account opening application information, and identifies the institutional object corresponding to the account opening process information, and sends the account opening process information to the institutional object; when the account opening review result generated by the institutional object based on the account opening process information is obtained, the account opening review result is fed back to the user, realizing the entire process of online account opening services, reducing the account opening costs for various institutions, greatly adapting to the differentiated IT architectures between different trading institutions, reducing system operating costs, and thus improving the efficiency of account opening process execution.

[0110] According to one embodiment of this application, a storage medium is provided, the storage medium storing at least one executable instruction, which can execute the data processing method for account opening business in any of the above method embodiments.

[0111] Figure 5 The diagram shows a structural schematic of a terminal according to one embodiment of the present application. The specific embodiments of the present application do not limit the specific implementation of the terminal.

[0112] like Figure 5 As shown, the terminal may include: a processor 302, a communications interface 304, a memory 306, and a communications bus 308.

[0113] The processor 302, communication interface 304, and memory 306 communicate with each other via communication bus 308.

[0114] Communication interface 304 is used to communicate with other network elements such as clients or other servers.

[0115] The processor 302 is used to execute program 310, specifically to execute the relevant steps in the above-described embodiment of the data processing method for account opening business.

[0116] Specifically, program 310 may include program code that includes computer operation instructions.

[0117] Processor 302 may be a central processing unit (CPU), an application-specific integrated circuit (ASIC), or one or more integrated circuits configured to implement the embodiments of this application. The terminal includes one or more processors, which may be processors of the same type, such as one or more CPUs; or they may be processors of different types, such as one or more CPUs and one or more ASICs.

[0118] Memory 306 is used to store program 310. Memory 306 may include high-speed RAM memory, and may also include non-volatile memory, such as at least one disk storage device.

[0119] Specifically, program 310 can be used to cause processor 302 to perform the following operations:

[0120] When a user's account opening request is received, the system obtains the account opening application information carried in the request, as well as the connection relationship and business permissions configured based on the institution information.

[0121] Based on the connection relationship, the business permissions, and the account opening application information, the account opening business process information is determined, and the corresponding institutional object is determined, so as to send the account opening business process information to the institutional object.

[0122] When the account opening review result generated by the institution based on the account opening business process information is obtained, the account opening review result is fed back to the user.

[0123] Obviously, those skilled in the art should understand that the modules or steps of this application described above can be implemented using general-purpose computing devices. They can be centralized on a single computing device or distributed across a network of multiple computing devices. Optionally, they can be implemented using computer-executable program code, thereby storing them in a storage device for execution by a computing device. In some cases, the steps shown or described can be performed in a different order than those presented here, or they can be fabricated as separate integrated circuit modules, or multiple modules or steps can be fabricated as a single integrated circuit module. Thus, this application is not limited to any particular combination of hardware and software.

[0124] The above description is merely a preferred embodiment of this application and is not intended to limit this application. Various modifications and variations can be made to this application by those skilled in the art. Any modifications, equivalent substitutions, improvements, etc., made within the spirit and principles of this application should be included within the scope of protection of this application.

Claims

1. A data processing method for account opening services, characterized in that, include: When a user's account opening request is received, the system obtains the account opening application information carried in the request, as well as the connection relationship and business permissions configured based on the institution information. Based on the connection relationship, the business permissions, and the account opening application information, the account opening business process information is determined, and the corresponding institutional object is determined, so as to send the account opening business process information to the institutional object. When the account opening review result generated by the institution based on the account opening business process information is obtained, the account opening review result is fed back to the user.

2. The method according to claim 1, characterized in that, The process of obtaining the account opening application information carried in the account opening request, as well as the connection relationship and business permissions configured based on the institution information, includes: The system retrieves the account opening application information carried in the account opening request through the configuration center, and determines the connection relationship based on the account opening requirement information in the account opening application information. The institutional information includes financial institutions and trading institutions, and the connection relationship is used to characterize the account opening connection relationship between financial institutions and trading institutions. After the configuration center completes the configuration of business permissions based on the user's basic information in the account opening application information, it loads the business permissions and the connection relationship.

3. The method according to claim 2, characterized in that, The institutional objects corresponding to the account opening process information include: The institution routing center parses the account opening business nodes in the account opening business process information and performs permission verification on the financial institution and the trading institution according to the account opening business nodes. Once the permission verification is passed, the institution object is selected from the institution information according to the account opening business node.

4. The method according to claim 2, characterized in that, The method further includes: After sending the account opening process information to the institution, the institution performs account opening review on the account opening process node and the user basic information. The account opening process node is used to represent the node that needs to perform information review and the node that creates electronic account information in the account opening process. The agency routing center integrates the node review results obtained from different account opening business nodes and generates the account opening review results, which include the review passed results, the supplementary modification results, and the review failed results.

5. The method according to claim 4, characterized in that, The method further includes: The identity identifier of the user's basic information is determined, and when the account opening business node and the user's basic information are reviewed through the institution object, the node review result is marked based on the identity identifier; The node review results with identification, the user's basic information, and the account information are stored in a preset database; In response to query requests from the financial institution and the trading institution, account information and business process data corresponding to the identifier carried in the query request are retrieved from the preset database.

6. The method according to claim 5, characterized in that, The method further includes: When the account opening review result includes information about an already activated account, the financial transaction code information is obtained through the receipt request triggered by the trading institution, and the financial transaction code information is fed back to the financial institution through the institution's routing center, so that the user can conduct financial business operations through the financial transaction code information.

7. The method according to claim 6, characterized in that, The method further includes: The financial institution receives the account opening request triggered by the user; or, The system connects to the financial institution through an institutional interface developed by a third-party interactive platform, and receives the account opening request triggered by the user through the third-party interactive platform.

8. A data processing device for account opening services, characterized in that, include: The acquisition module is used to acquire, upon receiving a user's account opening request, the account opening application information carried in the account opening request and the connection relationship and business permissions configured based on the institution information. The determination module is used to determine the account opening business process information based on the connection relationship, the business permissions and the account opening application information, and to determine the institution object corresponding to the account opening business process information, so as to send the account opening business process information to the institution object. The feedback module is used to provide feedback on the account opening review result to the user when the account opening review result generated by the institution based on the account opening business process information is obtained.

9. A computer-readable storage medium having a computer program / instructions stored thereon, characterized in that, When the computer program / instructions are executed by the processor, they implement the steps of the method of claim 1.

10. A computer device, comprising a memory, a processor, and a computer program stored in the memory, characterized in that, The processor executes the computer program to implement the steps of the method of claim 1.

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