A method and device for overall solution of opening service of enterprise financial customer

Abstract

The present specification relates to the field of financial technology, and particularly relates to a whole solution method and device for opening an account of a corporate financial customer, the method comprising: receiving an account opening reservation request from a terminal device; performing multi-dimensional data cross verification to generate risk assessment and due diligence results of the corporate customer; redirecting a subsequent execution path according to the risk assessment and due diligence results; calling a remote or on-site dual-recording video interaction component to initiate a will verification of audio-video dual recording; loading an image processing component from a preset component library, receiving an entity certificate image uploaded by the terminal device through the image processing component, extracting certificate information from the entity certificate image and performing verification; after the certificate information passes the verification, generating a final risk assessment report and a due diligence report, and performing opening of a public account and signing of an online banking product. The technical problems of traditional public account opening mode, such as scattered links, low process efficiency, poor customer experience, and inflexible business mode, are solved.

Description

Technical Field

[0001] This manual relates to the field of financial technology, and in particular to a comprehensive solution and device for providing account opening services for corporate financial clients. Background Technology

[0002] As a financial infrastructure for business operations, the experience of opening a bank account is crucial. However, traditional bank account opening processes have many pain points and are no longer able to meet the needs of modern business activities for efficiency and flexibility.

[0003] Traditional corporate account opening services heavily rely on physical branches and manual operations. A typical process involves: corporate clients first visiting a bank branch to inquire about and obtain a list of required documents, then returning to prepare complex paper application materials before submitting them at the branch again. Bank tellers manually input large amounts of corporate information and conduct preliminary reviews. Subsequently, bank account managers perform due diligence, typically involving manually querying external information systems (such as the National Enterprise Credit Information Publicity System) and on-site verification. The most crucial identity verification and confirmation of account opening intention (i.e., the "face-to-face signing" stage) mandates that the company's legal representative (or authorized agent) personally appear at the counter to complete a dual recording procedure (audio and video recording) in the presence of bank staff. Only after all reviews are approved can an account be opened for the company, along with corresponding electronic channels such as corporate online banking. This traditional model suffers from at least the following significant drawbacks: The process is lengthy and inefficient: each step (material preparation, information entry, due diligence, face-to-face signing, and review) is carried out sequentially, and there are many waiting and handover gaps between customers and banks, and between internal departments of banks, resulting in a long overall account opening cycle and failing to meet the needs of enterprises for urgent account opening.

[0004] Poor customer experience and strong time and space constraints: Customers (or their staff) need to make multiple trips to bank branches, wasting a lot of time. The mandatory in-person signing requirement poses a substantial obstacle for out-of-town companies and companies whose legal representatives have busy schedules, limiting the bank's service radius.

[0005] The business model is passive and lacks flexibility: service processes are rigidly fixed at the counter, leaving banks in a passive "wait-and-see" state, waiting for customers to come to them. Although some banks offer online appointment functions, the core review and processing steps still cannot be separated from the counter, making it difficult to provide a flexible service model. Summary of the Invention

[0006] To address the problems in the prior art, this specification provides an overall solution and apparatus for corporate financial customer account opening services, thereby resolving technical issues such as low process efficiency, poor customer experience, and inflexible business models in the traditional corporate account opening model.

[0007] This specification provides an embodiment of a comprehensive solution for corporate financial customer account opening services, applied to an account opening service system. The account opening service system includes an orchestration engine and multiple functional execution units pre-decomposed from account opening tasks based on a process configuration file. The orchestration engine manages the logical relationships between the functional execution units, and the method includes: Receive account opening appointment requests from enterprise customers on terminal devices; By connecting to the interface of an external data service operator to obtain corporate credit data, and combining it with the bank's internal customer information verification system to perform multi-dimensional data cross-validation, the risk assessment and due diligence results of the corporate customer are generated. The orchestration engine calls the rules engine to redirect subsequent execution paths based on the risk assessment and due diligence results; the rules engine defines dynamic combinations of functional units corresponding to different risk levels and due diligence conclusions for clients. For enterprise customers whose intention verification path is guided by the rule engine, remote or on-site audio and video interaction components are invoked to initiate intention verification through dual audio and video recording; After the intention verification is passed, the orchestration engine loads the image processing component from the preset component library according to the current business scenario identifier. The image processing component receives the physical voucher image uploaded by the terminal device, extracts the voucher information from the physical voucher image, and verifies it. After the voucher information is verified, the subsequent procedures for opening a corporate account and signing up for online banking products will be executed.

[0008] Furthermore, the method includes: The remote or on-site audio and video interaction group includes a session control component and a media processing component deployed on the bank's intranet, and a data transmission component deployed on a private cloud for carrying audio and video media stream transmission.

[0009] Furthermore, the session control component is configured to perform the following operations: Based on instructions from the orchestration engine, establish, maintain, and terminate dual audio and video recording sessions; Based on the business scenario identifier, load and execute the corresponding differentiated dual recording process script; Session state information, key operation timestamps, and operation logs are transmitted to the business audit system via the bank's intranet for synchronous storage.

[0010] Furthermore, the media processing component is configured to perform the following operations: Receive and decrypt encrypted audio and video media streams transmitted through the private cloud data transmission channel component; The audio and video streams are standardized, digitally watermarked, and locally encrypted for storage to generate dual-recording evidence files that meet regulatory requirements.

[0011] Furthermore, the method also includes: When the rules engine directs the on-site service path, the orchestration engine generates an on-site service work order containing customer information, due diligence tasks, product contract signing, and a list of required materials, and dispatches it to the mobile sales devices of designated account managers and tellers.

[0012] Furthermore, the mobile sales device is equipped with a local service processing module, which is configured as follows: In response to the operations performed by account managers and tellers on the device, the system invokes the locally integrated remote or on-site audio and video interaction components to initiate a dual audio and video recording process in a remote or on-site environment.

[0013] Furthermore, the extraction and verification of voucher information from the physical voucher image further includes: By extracting and verifying key field information from the images, and collecting the necessary information required for account opening; The information is cross-referenced with enterprise information obtained from external data sources and information filled in during account opening appointments to verify consistency and compliance.

[0014] This specification also provides an account opening device for corporate financial customers, applied to an account opening service system. The account opening service system includes an orchestration engine and multiple functional execution units pre-decomposed from the account opening operation based on a process configuration file. The orchestration engine is used to manage the logical relationships between the functional execution units. The device includes: The receiving module is used to receive account opening appointment requests from enterprise customers from terminal devices; The verification module is used to connect to the interface of external data service operators to obtain corporate credit data, and combine it with the bank's internal customer information verification system to perform multi-dimensional data cross-verification, and generate the risk assessment and due diligence results of the corporate customers. The redirection module is used by the orchestration engine to call the rules engine and redirect the subsequent execution path according to the risk assessment and due diligence results; the rules engine defines dynamic combinations of functional units corresponding to customers with different risk levels and due diligence conclusions. The willingness verification module is used to initiate willingness verification by calling remote or on-site audio and video interaction components for enterprise customers whose willingness verification path is guided by the rule engine; The verification module is used to load an image processing component from a pre-set component library by the orchestration engine according to the current business scenario identifier after the intention verification is passed. The image processing component receives the physical voucher image uploaded by the terminal device, extracts voucher information from the physical voucher image and verifies it. The account opening module is used to obtain the final risk assessment report and due diligence report after the voucher information has been verified, and to execute the opening of corporate accounts and online banking product signing.

[0015] This specification also provides a computer device, including a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor executes the computer program to implement the method described above.

[0016] This specification also provides a computer-readable storage medium storing computer instructions that, when executed by a processor, implement the above-described method.

[0017] This specification also provides a computer program product, which includes a computer program that, when executed by a processor, implements the above-described method.

[0018] By applying the embodiments in this manual, various drawbacks of the traditional open account model are resolved through online application, automated data background checks, and remote or on-site audio and video verification of intent, achieving a comprehensive upgrade in business efficiency, customer experience, and operating model.

[0019] By triggering automated due diligence and remote or on-site intent verification processes in parallel, the two most time-consuming and previously sequential steps are now performed simultaneously. Combined with online pre-filling of information and automatic acquisition of external data, most of the review and preparation work is significantly brought forward.

[0020] By integrating remote or on-site audio and video interaction components to establish dual audio and video recording, the most critical identity verification and willingness confirmation processes can be conducted anywhere with network access, breaking the time and space limitations of physical locations.

[0021] Furthermore, by using a rules engine to redirect subsequent execution paths based on risk assessment and due diligence results, and by loading differentiated processes based on business scenario identifiers, low-risk customers can use a fast track while high-risk customers are automatically converted to a reinforced review path, enabling intelligent and personalized process customization.

[0022] By breaking down the entire account opening process into independent, standardized online functional modules, the coupling between each step is reduced. When business requirements change, the new process can be released immediately or in a phased rollout, enabling banks to iterate their business processes quickly in smaller time units. Attached Figure Description

[0023] To more clearly illustrate the technical solutions in the embodiments of the present invention or the prior art, the drawings used in the description of the embodiments or the prior art will be briefly introduced below. Obviously, the drawings described below are only some embodiments of the present invention. For those skilled in the art, other drawings can be obtained based on these drawings without creative effort. In the drawings: Figure 1 The diagram shown is a flowchart illustrating a method for opening a corporate account as provided in an embodiment of this specification. Figure 2 The diagram shown is a flowchart illustrating a method for verifying intent to record audio and video simultaneously, as provided in an embodiment of this specification. Figure 3 The diagram shown is a structural schematic of a corporate account opening device provided in an embodiment of this specification. Figure 4 The diagram shown is a structural schematic of a computer device provided in an embodiment of this specification.

[0024] [Explanation of Labels in the Attached Image]

[0025] 301. Receiving module; 302. Verification Module; 303, Redirect Module; 304. Willingness Verification Module; 305. Verification module; 306. Opening module; 402. Computer equipment; 404, Processor; 406. Memory; 408. Drive mechanism; 410. Input / output module; 412. Input devices; 414. Output devices; 416. Presentation equipment; 418. Graphical User Interface; 420. Network interface; 422. Communication link; 424. Communication bus. Detailed Implementation

[0026] The technical solutions in the embodiments of this specification will be clearly and completely described below with reference to the accompanying drawings. Obviously, the described embodiments are only some embodiments of this specification, and not all embodiments. Based on the embodiments in this specification, all other embodiments obtained by those skilled in the art without creative effort are within the scope of protection of this specification.

[0027] It should be noted that, in this document, relational terms such as "first" and "second" are used only to distinguish one entity or operation from another, and do not necessarily require or imply any such actual relationship or order between these entities or operations. Furthermore, the terms "comprising," "including," or any other variations thereof are intended to cover non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements includes not only those elements but also other elements not expressly listed, or elements inherent to such a process, method, article, or apparatus. Without further limitations, an element defined by the phrase "comprising…" does not exclude the presence of additional identical elements in the process, method, article, or apparatus that includes said element.

[0028] It should be noted that the acquisition, storage, use, and processing of data in this application embodiment all comply with the relevant provisions of national laws and regulations.

[0029] It should be noted that in the embodiments of this application, certain software, components, models and other existing solutions in the industry may be mentioned. These should be regarded as exemplary and are only intended to illustrate the feasibility of implementing the technical solution of this application. However, it does not mean that the applicant has used or necessarily used the solution.

[0030] To facilitate understanding, before explaining the solution provided in this application, the background related to the solution provided in this application will be explained first.

[0031] Traditional open account services rely heavily on physical branches and manual operations, resulting in significant drawbacks such as low process efficiency, poor customer experience, and insufficient business model flexibility.

[0032] To address the aforementioned technical problems, embodiments of this specification provide a comprehensive solution and apparatus for corporate financial customer account opening services, the method being applied to an account opening service system.

[0033] The functional execution unit is the smallest executable module in this system that implements business logic. Each functional execution unit encapsulates an independent and complete business function. In the account opening scenario, the entire complex account opening process is broken down into multiple standardized functional execution units. See below for details on the specific functional execution units.

[0034] A process configuration file is a structured definition file whose core function is to define the logical topological relationships between various functional execution units.

[0035] The orchestration engine is the core component of this system. It is used to dynamically invoke the corresponding functional execution units according to the topological relationships defined in the process configuration file, in a sequential, branching, or parallel manner. For example, it can convert the output data of an upstream unit into the input format required by a downstream unit.

[0036] See Figure 1 This may include the following steps: S101: Receives account opening appointment requests from enterprise customers on terminal devices.

[0037] This specification's embodiments support two methods: "appointment first, then due diligence" and "due diligence first, then appointment." In the former, the corporate account opening process begins with an appointment request initiated by the corporate client through various terminal devices. For example, the system provides standardized service interfaces through a multi-terminal access module to receive requests from different types of terminal devices. These terminal devices include, but are not limited to, mobile banking, Industrial Bank's financial management platform, and WeChat mini-programs. In the latter, account managers can directly initiate due diligence tasks based on the corporate client's needs, and then schedule appointments according to the actual situation. Requests from these various channels can be aggregated to the system's business gateway through a unified interface and bound to the account opening due diligence task.

[0038] S102: Connect to the interface of an external data service operator to obtain corporate credit data, and combine it with the bank's internal customer information risk verification system to perform multi-dimensional data cross-validation, and generate the risk assessment and due diligence results of the corporate customer.

[0039] Upon receiving an account opening appointment request, an automated enterprise risk assessment process is initiated. This process mainly includes three core stages: data acquisition, cross-validation, and model calculation. The aim is to generate a structured and quantifiable risk assessment and due diligence result to guide the subsequent business process.

[0040] Specifically, a secure connection is established with an external data service operator (e.g., a legitimate and compliant enterprise credit data service provider) through a pre-configured application programming interface (API). After obtaining authorization from the client, a query request containing the enterprise's unified social credit code or name is sent to the operator's interface to obtain the target enterprise's external credit data. This data typically includes, but is not limited to, business registration information and operational risk information.

[0041] In addition, the system calls the bank's internal customer information risk verification system to query the target company and its related natural persons' historical information within the bank, i.e., internal customer data. This includes, but is not limited to: basic account information (such as account status and transaction activity), historical risk records (such as anti-fraud, anti-money laundering, financial sanction warning records, and blacklist identifiers), etc.

[0042] After acquiring the aforementioned internal and external data, the system performs data cleaning. Subsequently, the system performs multi-dimensional data cross-validation to uncover hidden risks. For example, it compares the legal representative's name and ID number obtained externally with the identity information retained internally by the bank to verify consistency; and it performs correlation analysis between litigation information from external legal proceedings and the bank's internal risk warning records.

[0043] Based on the results of cross-validation and the raw data, the system can perform feature engineering to extract quantitative feature vectors for risk assessment. These features may include: stability features, such as the number of years the company has been established and the frequency of changes in key personnel; compliance features, such as whether there are any administrative penalties or whether the company is listed in the list of companies with abnormal operations; and credit features, such as external credit scores and performance records with the bank.

[0044] In some embodiments of this specification, enterprise-related feature information obtained through preprocessing and feature engineering can be input into an enterprise risk assessment model for quantitative calculation. This model is a risk calculation model constructed based on preset rules and indicator systems.

[0045] The aforementioned model analyzes and processes enterprise information according to predefined computational logic. When processing new clients, the model receives enterprise-related characteristic information queried or entered by the system, completes calculations according to preset rules, and outputs corresponding risk assessment and due diligence results. For example, the risk assessment and due diligence results include risk levels, such as Level I, Level II, Level III, Level IV, and Level V.

[0046] S103: The orchestration engine calls the rules engine to redirect the subsequent execution path based on the risk assessment and due diligence results; the rules engine defines dynamic combinations of functional units corresponding to different risk levels and due diligence conclusions for clients.

[0047] After generating risk assessment and due diligence results, the orchestration engine calls the rules engine to determine the corresponding subsequent execution path. The rules engine defines dynamic combinations of functional units to be executed for clients with different risk levels and different due diligence conclusions. For example, for low-risk clients, the subsequent process directly calls remote or on-site audio-visual interaction components to verify the willingness to conduct dual audio-visual recording. For medium-risk clients, the rules engine first calls relevant functional components for manual review, conducting further review through human intervention.

[0048] S104: For enterprise customers whose willingness verification path is guided by the rule engine, call the remote or on-site audio and video interaction component to initiate willingness verification for dual audio and video recording.

[0049] In some embodiments of this specification, the remote or on-site audio and video interaction component includes a session control component and a media processing component deployed on the bank's intranet, and a data transmission component deployed on a private cloud for carrying audio and video media stream transmission.

[0050] Specifically, the remote or on-site audio and video interaction component fully leverages the high-quality access capabilities of the internet while ensuring data security. The remote or on-site audio and video interaction component is divided into three main parts: a session control component (not belonging to the bank's internal network security domain), a media processing component, and a data transmission component deployed in a private cloud.

[0051] The following sections will introduce the different components in detail. Among them, the session control component is the control core of the remote or on-site audio and video dual recording process. As an independent microservice, it transforms the abstract business instructions from the business orchestration engine into precise control of the audio and video session.

[0052] When the orchestration engine determines that dual recording needs to be initiated based on the business process, it sends a call to the session control component. This call carries key session parameters, including but not limited to: business scenario identifier, customer unique identifier, and risk level. Upon receiving the instruction, the session control component creates a new session context in its own memory and database, assigns a globally unique SessionID to the session, and initializes all state variables.

[0053] During the session, the component continuously listens for signals from the client (such as "ready" and "answer completed") and instructions from the bank (such as "proceed to the next stage" and "pause recording"), and updates the session state accordingly, controls the connection status of the media server, and ensures the normal progress of the session.

[0054] When the dual-recording process script finishes execution, or encounters events such as timeout or abnormal client exit, the component is responsible for terminating the process. It notifies the media processing component to stop recording and finalize the file, updates the session status to "completed" or "abnormally terminated," and triggers the subsequent audit log upload process.

[0055] In the embodiments described in this specification, the session control component is also used to execute dual-recording process scripts in a differentiated manner. Specifically, it can maintain a dual-recording process rule base internally, which stores process definition files for different combinations. The above combinations are not limited to the combination of business scenario identifier and customer risk level.

[0056] When creating a session, the session control component matches and loads the corresponding differentiated dual recording process script based on the received business scenario identifier and customer risk level through a mapping table or rule.

[0057] For example, the process defined in the low-risk standard account opening script can include, in sequence: identity verification, reading of standard information, confirmation of intent, and electronic signature. The wording is relatively concise, with no additional questions. The process defined in the high-risk customer account opening script can include, in sequence: enhanced identity verification, detailed risk disclosure, Q&A regarding business operations, confirmation of materials presentation, confirmation of intent, and electronic signature. The script can embed a list of specific questions that the account manager needs to ask.

[0058] The session control component can embed a lightweight script interpretation engine. After the script is loaded, the engine executes each instruction in the script in sequence to achieve the above process.

[0059] To ensure the legal validity and traceability of remote or on-site dual recording, the session control component is responsible for generating and transmitting structured audit data. For example, it records every state change during the session and records the occurrence time of each key action with high-precision time, such as session start time, authentication success time, and electronic signature time. In addition, it generates corresponding operation logs.

[0060] The audit data is cached in the component's memory during the session and assembled into a structured data packet at the end of the session. Subsequently, the session control component uploads the audit data packet by calling the API interface provided by the business audit system through the bank's internal network.

[0061] In the embodiments described in this specification, see Figure 2 The media processing component is configured to perform the following operations: S201: Receive and decrypt encrypted audio and video media streams transmitted through the private cloud data transmission channel component; S202: The decrypted real-time audio and video streams are fused and overlaid in real time with customer identity information, business vouchers and electronic protocols obtained from the banking business system. S203: Standardize the encoding of the merged audio and video streams, add digital watermarks, and encrypt and store them locally to generate dual-recording evidence files that meet regulatory requirements.

[0062] Specifically, the media processing component listens on a specific secure port within the bank's intranet, awaiting data packets from the private cloud data transmission channel component. This transmission channel encrypts the media stream using an end-to-end encryption algorithm before sending the client's audio and video streams out of the bank's network boundary.

[0063] Upon receiving the encrypted data packet, the media processing component first performs authentication and integrity verification. Then, using a key pre-securely exchanged and stored in the hardware security module, it decrypts the encrypted audio and video streams in real time. The decryption process takes place within a strictly memory-secure area, ensuring that the original media data is processed without being stored on the disk, minimizing the risk of data leakage. After decryption, a clear, real-time raw audio and video stream is obtained, ready for the next stage of processing.

[0064] Subsequently, the media processing component intelligently integrates and overlays real-time audio and video streams with business information. Specifically, before or during a dual-recording session, the media processing component obtains structured information related to the current business from the session control component via the intranet. This structured information may include: business identity information (such as company name, unified social credit code, etc.); business credential information (such as the unique business identifier, product type, account manager's employee number, etc. for this account opening application); and electronic agreement notifications (such as account opening agreements requiring customer confirmation, risk warnings, and other terms).

[0065] The media processing component internally runs a graphics and audio processing engine, which performs the following operations: On the decrypted real-time video feed from the client, multiple information areas are dynamically overlaid in layers to display any of the aforementioned structured information. The client's live audio is intelligently mixed with system-generated prompts to ensure the audio track fully records all auditory information. High-precision time source signals are embedded into the video feed as digital characters.

[0066] After fusion processing, the media stream enters the solidification stage. For example, the fused audio and video streams are compressed and encapsulated using a fixed encoding format that complies with regulatory requirements, ensuring the universality of evidence files across different devices and players. During or after encoding, an invisible, robust digital watermark is embedded into the pixel fields or encoded stream of the video file. This watermark contains a unique identifier for this transaction and the bank's digital signature information. The file is encrypted using a different set of keys than the transmission encryption. The encrypted file is stored in a secure storage area designated on the bank's intranet that meets national security level protection requirements. The storage path, file hash value, and associated session identifier are recorded in the business audit system's database, completing the closed loop of the evidence chain.

[0067] In this way, compliance actions such as notification, confirmation, and recording of regulatory requirements are embedded and solidified into business processes through technical means, automatically generating standardized dual-recording evidence.

[0068] S105: After the intention verification is passed, the orchestration engine loads the image processing component from the preset component library according to the current business scenario identifier, and receives the physical voucher image uploaded by the terminal device through the image processing component, extracts the voucher information from the physical voucher image and verifies it.

[0069] In the embodiments described in this specification, after the intention verification stage is completed, the account opening process enters the stage of electronic review of physical materials. To replace traditional manual visual comparison, this invention uses an orchestration engine to dynamically call influence processing components to achieve intelligent processing and verification of various physical documents uploaded by customers.

[0070] The image processing component is a standardized, reusable microservice pre-installed in the system component library. When the orchestration engine drives the business process to the "credential upload and verification" node, it will determine the specific configuration parameters to be called based on the current business scenario identifier (such as opening a new enterprise account or opening an additional account for an existing enterprise).

[0071] After the image component is invoked, it waits to receive physical voucher image files uploaded from the terminal device. These image files can be generated by taking a picture or scanning. The image processing component performs automated preprocessing operations on the received raw image files, such as cropping, noise reduction, and formatting. The image processing component embeds an optical character recognition engine and a structured information extraction model for specific vouchers to extract key fields from the preprocessed image files. For example, based on a pre-trained voucher model, it can intelligently locate key field areas on the voucher and accurately extract the corresponding field values ​​from the optical character recognition results.

[0072] Then, content consistency verification is performed. For example, verifying whether the internal logic of the voucher is correct. Alternatively, cross-comparing the extracted information with data already acquired and stored in the business context in previous stages. For example, comparing it with the information filled in during the account opening appointment and the benchmark information obtained from the National Enterprise Credit Information Publicity System interface to verify consistency.

[0073] S106: After the voucher information is verified, the final risk assessment report and due diligence report are obtained, and the opening of the corporate account and signing of the online banking product are carried out.

[0074] Upon receiving a verification pass signal from the image processing component, the orchestration engine performs the following operations: It aggregates all verified key business data generated in the current business process instance to form a complete account opening request data packet. Its core elements may include: enterprise entity information, account application information, evidence of customer intent, supporting materials and verification evidence, etc. It also includes a risk assessment report and a due diligence report.

[0075] Based on predefined interface specifications and final report results, the orchestration engine encapsulates the aforementioned account opening request data packet into standardized instructions that the underlying core business system can recognize. These instructions specify the operation to be performed: opening a corporate account. Upon receiving the opening instruction from the orchestration engine, the underlying core business system initiates an internal automated process for processing. This includes steps such as instruction parsing, account parameter setting, and account entity generation.

[0076] The corporate account opening method provided in this specification solves the various drawbacks of the traditional corporate account opening model through online application, automated data background check, and remote or on-site audio and video verification of intent, achieving a comprehensive upgrade in business efficiency, customer experience, and operating model.

[0077] By triggering automated due diligence and remote or on-site intent verification processes in parallel, the two most time-consuming and previously sequential steps are now performed simultaneously. Combined with online pre-filling of information and automatic acquisition of external data, most of the review and preparation work is significantly brought forward.

[0078] By integrating remote or on-site audio and video interaction components to establish dual audio and video recording, the most critical steps of identity verification and willingness confirmation can be carried out at any location with network access, breaking the time and space limitations of physical locations.

[0079] Furthermore, by using a rules engine to redirect subsequent execution paths based on risk assessment and due diligence results, and by loading differentiated processes based on business scenario identifiers, low-risk customers can use a fast track while high-risk customers are automatically converted to a reinforced review path, enabling intelligent and personalized process customization.

[0080] By breaking down the entire account opening process into independent, standardized online functional modules, the coupling between each step is reduced. When business requirements change, the new process can be released immediately or in a phased rollout, enabling banks to iterate their business processes quickly in smaller time units.

[0081] In some embodiments of this specification, when the rule engine directs the on-site service path, the orchestration engine generates an on-site service work order containing customer information, due diligence tasks, product contracts, and a list of required materials, and dispatches it to the mobile sales devices of designated account managers and tellers.

[0082] The mobile sales equipment is equipped with a local business processing module, which is configured to: respond to the operations of the account manager and the teller on the equipment, call the remote or on-site audio and video interaction components integrated locally, so as to initiate the audio and video dual recording process in the on-site environment.

[0083] Specifically, the account opening service system fully supports mobile on-site services under the "traveling merchant" model. When the rule engine makes a decision based on customer risk assessment and due diligence results, business complexity, or customer choice, guiding the "on-site service path," the system will achieve the entire process from task assignment to on-site execution through the collaboration of the orchestration engine and "mobile sales equipment."

[0084] After receiving the decision instruction for the on-site service path, the orchestration engine automatically extracts and integrates the information from the context of the current business process to generate a structured on-site service work order. This work order may include the following elements: customer information, pre-defined due diligence tasks, a list of required materials, and a process guidance script.

[0085] The customer information may include the company name, address, contact person, telephone number, and unified social credit code. Pre-set due diligence tasks may include a dynamically generated task list based on the customer's risk level and business scenario. For example, for high-risk customers, tasks might include "verifying the authenticity of the business premises on-site" and "taking and uploading photos of major production equipment." The required materials list includes a list of documents requiring on-site verification of originals or collection of electronic images. Process guidelines and scripts may include standard operating procedures for this on-site service, as well as specific action scripts that require guiding the customer through the process.

[0086] After a work order is generated, the orchestration engine dispatches the work order data packet to the mobile sales equipment assigned to the account manager and teller for that business through an internal secure messaging channel.

[0087] The mobile sales equipment comes pre-installed with and runs a local business processing module. This module is a lightweight but fully functional application container that can operate independently without the bank's intranet, ensuring the continuity of on-site operations.

[0088] After receiving a service order, the local business processing module parses it and displays it on the device interface in a clear task list and form format for the account manager and teller. The account manager and teller can then proceed with their work step by step. To achieve full on-site operational capabilities, key business function components are integrated into this module in the form of a "local SDK" or "micro-application." The most important of these is the integrated remote or on-site audio-visual interaction component client. When the account manager or teller needs to perform a "dual recording" process on-site (such as verifying the legal representative's consent or signing an electronic agreement), they trigger the corresponding operation through the device interface. The local business processing module responds to this operation and directly calls the client function of the audio-visual interaction component integrated locally on the device. This local client can independently activate the device's camera and microphone, load a preset dual recording process script (already issued with the work order or pre-installed), and guide the account manager or teller to complete a complete, regulatory-compliant on-site audio-visual recording with the customer. All recording processes and data are processed locally on the device.

[0089] As can be seen, the embodiments in this specification successfully transform the bank's corporate banking business from a "passive" model relying on fixed branches to a "mobile" model that can provide door-to-door services. Through the online generation and dispatch of work orders, and standardized execution on mobile devices, the entire process of outreach services is managed online, expanding the bank's service radius.

[0090] By pre-integrating core functions (such as dual audio and video recording) locally onto mobile devices and supporting offline storage and post-event synchronization, the potential for business disruptions due to poor network signal at the customer's business location is completely eliminated. Account managers only need to carry one device to complete the entire service process in a mobile business environment.

[0091] like Figure 3 The diagram illustrates an account opening device for corporate accounts according to an embodiment of this specification. This device is applied to an account opening service system, which includes an orchestration engine and multiple functional execution units pre-decomposed from account opening tasks based on a process configuration file. The orchestration engine manages the logical relationships between the functional execution units. The device includes: The receiving module 301 is used to receive account opening appointment requests from enterprise customers from terminal devices; The verification module 302 is used to connect to the interface of an external data service operator to obtain corporate credit data, and combine it with the bank's internal customer information verification system to perform multi-dimensional data cross-verification, and generate the risk assessment and due diligence results of the corporate customer. The redirection module 303 is used by the orchestration engine to call the rule engine to redirect the subsequent execution path according to the risk assessment and due diligence results; the rule engine defines the dynamic combination of functional units corresponding to customers with different risk levels and due diligence conclusions. The willingness verification module 304 is used to call remote or on-site audio and video interaction components to initiate willingness verification of dual audio and video recording for enterprise customers who are guided by the rule engine to the willingness verification path; The verification module 305 is used to load an image processing component from a preset component library by the orchestration engine according to the current business scenario identifier after the intention verification is passed. The image processing component receives the physical voucher image uploaded by the terminal device, extracts voucher information from the physical voucher image and verifies it. The account opening module 306 is used to obtain the final risk assessment report and due diligence report after the voucher information passes verification, and to execute the opening of corporate accounts and online banking product signing.

[0092] The apparatus described in the embodiments of this specification solves the various drawbacks of the traditional open account model by conducting online application, automated data background checks, and remote or on-site audio and video verification of intent, thereby achieving a comprehensive upgrade in business efficiency, customer experience, and operating model.

[0093] like Figure 4 The diagram illustrates the structure of a computer device according to an embodiment of this specification. The method for opening a public account in this embodiment can be run on the computer device described above. The computer device 402 may include one or more processors 404, such as one or more central processing units (CPUs), each of which can implement one or more hardware threads. The computer device 402 may also include any memory 406 for storing information of any kind, such as code, settings, data, etc. Non-limitingly, for example, memory 406 may include any type of RAM, any type of ROM, flash memory, hard disk, optical disk, etc. More generally, any memory can use any technology to store information. Furthermore, any memory can provide volatile or non-volatile retention of information. Furthermore, any memory can represent a fixed or removable component of the computer device 402. In one case, when processor 404 executes associated instructions stored in any memory or combination of memories, the computer device 402 can perform any operation of the associated instructions. The computer device 402 also includes one or more drive mechanisms 408 for interacting with any memory, such as a hard disk drive mechanism, an optical disk drive mechanism, etc.

[0094] Computer device 402 may also include an input / output module 410 (I / O) for receiving various inputs (via input device 412) and providing various outputs (via output device 414). A specific output mechanism may include a presentation device 416 and an associated graphical user interface (GUI) 418. In other embodiments, the input / output module 410 (I / O), input device 412, and output device 414 may be omitted, and the device may function solely as a computer device within a network. Computer device 402 may also include one or more network interfaces 420 for exchanging data with other devices via one or more communication links 422. One or more communication buses 424 couple the components described above together.

[0095] Communication link 422 can be implemented in any way, such as via a local area network, a wide area network (e.g., the Internet), a point-to-point connection, or any combination thereof. Communication link 422 may include any combination of hardwired links, wireless links, routers, gateway functions, name servers, etc., governed by any protocol or combination of protocols.

[0096] This specification also provides computer-readable instructions, wherein when a processor executes the instructions, the program therein causes the processor to perform the methods described above.

[0097] It should be understood that in the various embodiments of this specification, the sequence number of each process does not imply the order of execution. The execution order of each process should be determined by its function and internal logic, and should not constitute any limitation on the implementation process of the embodiments of this specification.

[0098] It should also be understood that, in the embodiments of this specification, the term "and / or" is merely a description of the relationship between related objects, indicating that three relationships can exist. For example, A and / or B can represent: A existing alone, A and B existing simultaneously, and B existing alone. Additionally, the character " / " in this specification generally indicates that the preceding and following related objects have an "or" relationship.

[0099] Those skilled in the art will recognize that the units and algorithm steps of the various examples described in conjunction with the embodiments disclosed in this specification can be implemented in electronic hardware, computer software, or a combination of both. To clearly illustrate the interchangeability of hardware and software, the components and steps of each example have been generally described in terms of functionality in the foregoing description. Whether these functions are implemented in hardware or software depends on the specific application and design constraints of the technical solution. Those skilled in the art can use different methods to implement the described functions for each specific application, but such implementation should not be considered beyond the scope of this specification.

[0100] Those skilled in the art will clearly understand that, for the sake of convenience and brevity, the specific working processes of the systems, devices, and units described above can be referred to the corresponding processes in the foregoing method embodiments, and will not be repeated here.

[0101] In the several embodiments provided in this specification, it should be understood that the disclosed systems, apparatuses, and methods can be implemented in other ways. For example, the apparatus embodiments described above are merely illustrative; for instance, the division of units is only a logical functional division, and in actual implementation, there may be other division methods. For example, multiple units or components may be combined or integrated into another system, or some features may be ignored or not executed. Furthermore, the couplings or direct couplings or communication connections shown or discussed may be indirect couplings or communication connections through some interfaces, devices, or units, or they may be electrical, mechanical, or other forms of connection.

[0102] The units described as separate components may or may not be physically separate. The components shown as units may or may not be physical units; that is, they may be located in one place or distributed across multiple network units. Some or all of the units can be selected to achieve the purpose of the embodiments described in this specification, depending on actual needs.

[0103] Furthermore, the functional units in the various embodiments of this specification can be integrated into one processing unit, or each unit can exist physically separately, or two or more units can be integrated into one unit. The integrated unit can be implemented in hardware or as a software functional unit.

[0104] If the integrated unit is implemented as a software functional unit and sold or used as an independent product, it can be stored in a computer-readable storage medium. Based on this understanding, the technical solution of this specification, in essence, or the part that contributes to the prior art, or all or part of the technical solution, can be embodied in the form of a software product. This computer software product is stored in a storage medium and includes several instructions to cause a computer device (which may be a personal computer, server, or network device, etc.) to execute all or part of the steps of the methods described in the various embodiments of this specification. The aforementioned storage medium includes various media capable of storing program code, such as USB flash drives, portable hard drives, read-only memory (ROM), random access memory (RAM), magnetic disks, or optical disks.

[0105] This specification uses specific embodiments to illustrate the principles and implementation methods of this specification. The descriptions of the above embodiments are only for the purpose of helping to understand the methods and core ideas of this specification. At the same time, for those skilled in the art, there will be changes in the specific implementation methods and application scope based on the ideas of this specification. Therefore, the content of this specification should not be construed as a limitation of this specification.

Claims

1. A comprehensive solution for opening accounts for corporate financial clients, characterized in that, The system is applied to an account opening service system, which includes an orchestration engine and multiple functional execution units that are pre-decomposed from the account opening job based on a process configuration file. The orchestration engine is used to manage the logical relationships between various functional execution units; the method includes: Receive account opening appointment requests from enterprise customers on terminal devices; By connecting to the interface of an external data service operator to obtain corporate credit data, and combining it with the bank's internal customer information risk verification system to perform multi-dimensional data cross-validation, the risk assessment and due diligence results of the corporate customer are generated. The orchestration engine calls the rules engine to redirect subsequent execution paths based on the risk assessment and due diligence results; the rules engine defines dynamic combinations of functional units corresponding to different risk levels and due diligence conclusions for clients. For enterprise customers whose intention verification path is guided by the rule engine, remote or on-site audio and video interaction components are invoked to initiate intention verification through dual audio and video recording; After the intention verification is passed, the orchestration engine loads the image processing component from the preset component library according to the current business scenario identifier. The image processing component receives the physical voucher image uploaded by the terminal device, extracts the voucher information from the physical voucher image, and verifies it. After the voucher information is verified, the final risk assessment report and due diligence report are obtained, and the opening of the corporate account and signing of the online banking product agreement are carried out.

2. The method according to claim 1, characterized in that, The method includes: The remote or on-site audio and video interaction components include a session control component and a media processing component deployed on the bank's intranet, and a data transmission component deployed on a private cloud for carrying audio and video media stream transmission.

3. The method according to claim 2, characterized in that, The session control component is configured to perform the following operations: Based on instructions from the orchestration engine, establish, maintain, and terminate dual audio and video recording sessions; Based on the business scenario identifier, load and execute the corresponding differentiated dual recording process script; Session state information, key operation timestamps, and operation logs are transmitted to the business audit system via the bank's intranet for synchronous storage.

4. The method according to claim 2, characterized in that, The media processing component is configured to perform the following operations: Receive and decrypt encrypted audio and video media streams transmitted through the private cloud data transmission channel component; The decrypted real-time audio and video streams are then fused and overlaid with customer identity information, business vouchers, and electronic protocols obtained from the banking system in real time. The merged audio and video streams are standardized, digitally watermarked, and locally encrypted for storage to generate dual-recording evidence files that meet regulatory requirements.

5. The method according to claim 1, characterized in that, The method further includes: When the rules engine directs the on-site service path, the orchestration engine generates an on-site service work order containing customer information, due diligence tasks, product contract signing, and a list of required materials, and dispatches it to the mobile sales devices of designated account managers and tellers.

6. The method according to claim 5, characterized in that, The mobile sales equipment is equipped with a local service processing module, which is configured as follows: In response to the account manager's actions on the device, the system uses identity verification and facial recognition to invoke the locally integrated remote or on-site audio and video interaction components to initiate audio and video dual recording processes in different scenarios.

7. The method according to claim 1, characterized in that, Extracting and verifying voucher information from the physical voucher image further includes: By extracting and verifying key field information from the images, and collecting the necessary information required for account opening; The information is cross-referenced with enterprise information obtained from external data sources and information filled in during account opening appointments to verify consistency and compliance.

8. A device for opening a corporate bank account, characterized in that, The system is applied to an account opening service system, which includes an orchestration engine and multiple functional execution units that are pre-decomposed from the account opening job based on a process configuration file. The orchestration engine is used to manage the logical relationships between various functional execution units; The device includes: The receiving module is used to receive account opening appointment requests from enterprise customers from terminal devices; The verification module is used to connect to the interface of external data service operators to obtain corporate credit data, and combine it with the bank's internal customer information risk verification system to perform multi-dimensional data cross-verification, and generate the risk assessment and due diligence results of the corporate customers. The redirection module is used by the orchestration engine to call the rules engine and redirect the subsequent execution path according to the risk assessment and due diligence results; the rules engine defines dynamic combinations of functional units corresponding to customers with different risk levels and due diligence conclusions. The willingness verification module is used to initiate willingness verification by calling remote or on-site audio and video interaction components to initiate dual audio and video recording for enterprise customers whose willingness verification path is guided by the rule engine. The verification module is used to load an image processing component from a pre-set component library by the orchestration engine according to the current business scenario identifier after the intention verification is passed. The image processing component receives the physical voucher image uploaded by the terminal device, extracts voucher information from the physical voucher image and verifies it. The account opening module is used to obtain the final risk assessment report and due diligence report after the voucher information passes verification, and to execute the opening of corporate accounts and online banking product signing.

9. A computer device, comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, characterized in that, When the processor executes the computer program, it implements the method of any one of claims 1-7.

10. A computer-readable storage medium, characterized in that, The computer-readable storage medium stores a computer program that, when executed by a processor, performs the method described in any one of claims 1-7.

11. A computer program product, characterized in that, The computer program product includes a computer program that, when executed by a processor, implements the method described in any one of claims 1-7.

Images