技术领域technical field
本发明涉及通信技术领域，尤其涉及一种远程开户的方法、服务器及系统。The invention relates to the field of communication technology, in particular to a method, server and system for remotely opening an account.
背景技术Background technique
国内银行业通常采取线下柜面面签的方式，由银行业务人员面对面为客户办理银行卡开户业务，但由于银行线下网点资源缺乏、线下办理流程长等问题，易给客户带来不便。The domestic banking industry usually adopts the method of face-to-face signing at the offline counter, and the bank business personnel handle the bank card account opening business for customers face-to-face. However, due to the lack of resources in the bank's offline outlets and the long offline processing process, it is easy to bring inconvenience to customers.
上述内容仅用于辅助理解本发明的技术方案，并不代表承认上述内容是现有技术。The above content is only used to assist in understanding the technical solution of the present invention, and does not mean that the above content is admitted as prior art.
发明内容Contents of the invention
本发明的主要目的在于提供一种远程开户的方法、服务器及系统，旨在解决银行线下网点资源缺乏、线下办理流程长等问题，以提高用户的开户效率，进而提高用户体验。The main purpose of the present invention is to provide a method, server and system for remote account opening, aiming to solve the problems of lack of bank offline network resources and long offline processing process, so as to improve the efficiency of user account opening and further improve user experience.
为实现上述目的，本发明提供的一种远程开户的方法，所述远程开户的方法包括以下步骤：In order to achieve the above object, the present invention provides a method for remotely opening an account, which includes the following steps:
获取用户通过客户端输入的开户申请个人信息以及接收客户端扫描的用户证件信息；Obtain the account opening application personal information entered by the user through the client and receive the user's certificate information scanned by the client;
在所述开户申请个人信息与所述用户证件信息一致时，获取所述客户端通过开启摄像头拍摄得到的用户人脸图片；When the account opening application personal information is consistent with the user certificate information, obtain the user face picture obtained by the client by turning on the camera;
将所述用户人脸图片与目标图片进行比对识别，并结合活体检测技术计算得到相似度分值；Compare and identify the user's face picture with the target picture, and calculate the similarity score in combination with living body detection technology;
在所述相似度分值处于第一预定范围内时，开立带有卡号的第一电子账户，并向所述客户端发送开户成功通知。When the similarity score is within a first predetermined range, open a first electronic account with a card number, and send a notification of successful account opening to the client.
此外，为实现上述目的，本发明还提供一种服务器，所述服务器包括：In addition, in order to achieve the above object, the present invention also provides a server, the server includes:
第一接收模块，用于获取用户通过客户端输入的开户申请个人信息以及接收客户端扫描的用户证件信息；The first receiving module is used to obtain the account opening application personal information input by the user through the client terminal and receive the user certificate information scanned by the client terminal;
第一获取模块，用于在所述开户申请个人信息与所述用户证件信息一致时，获取所述客户端通过开启摄像头拍摄得到的用户人脸图片；The first obtaining module is used to obtain the user's face picture captured by the client by turning on the camera when the account opening application personal information is consistent with the user certificate information;
计算模块，用于将所述用户人脸图片与目标图片进行比对识别，并结合活体检测技术计算得到相似度分值；A calculation module, configured to compare and identify the user's face picture with the target picture, and calculate a similarity score in combination with living body detection technology;
第一开立模块，用于在所述相似度分值处于第一预定范围内时，开立带有卡号的第一电子账户，并向所述客户端发送开户成功通知。The first opening module is configured to open a first electronic account with a card number when the similarity score is within a first predetermined range, and send a notification of successful account opening to the client.
此外，为实现上述目的，本发明还提供一种远程开户系统，包括客户端以及如上所述的服务器，In addition, in order to achieve the above purpose, the present invention also provides a remote account opening system, including a client and the above-mentioned server,
所述客户端包括：The clients include:
第二获取模块，用于获取用户输入的开户申请个人信息以及扫描的用户证件信息；The second obtaining module is used to obtain the personal information of the account opening application input by the user and the scanned user certificate information;
第一发送模块，用于将所述开户申请个人信息以及用户证件信息发送至所述服务器；The first sending module is used to send the account opening application personal information and user certificate information to the server;
拍摄模块，用于在所述服务器确认所述开户申请个人信息与所述用户证件信息一致时，开启摄像头拍摄得到的用户人脸视频；The shooting module is used to turn on the user's face video captured by the camera when the server confirms that the account opening application personal information is consistent with the user certificate information;
第二发送模块，用于将所述用户人脸视频发送至所述服务器。The second sending module is configured to send the user's face video to the server.
本发明提供的远程开户的方法、服务器以及远程开户系统，先获取用户通过客户端输入的开户申请个人信息以及接收客户端扫描的用户证件信息，在所述开户申请个人信息与所述用户证件信息一致时，获取所述客户端通过开启摄像头拍摄得到的用户人脸图片，然后将所述用户人脸图片与目标图片进行比对识别，并结合活体检测技术计算得到相似度分值，其中，在所述相似度分值处于第一预定范围内时，开立带有卡号的第一电子账户，并向所述客户端发送开户成功通知。这样，可以解决银行线下网点资源缺乏、线下办理流程长等问题，以提高用户的开户效率，进而提高用户体验。The remote account opening method, server and remote account opening system provided by the present invention first obtain the account opening application personal information input by the user through the client terminal and receive the user certificate information scanned by the client, and the account opening application personal information and the user certificate information When consistent, obtain the user's face picture obtained by the client by turning on the camera, then compare and identify the user's face picture with the target picture, and calculate the similarity score in combination with the living body detection technology, wherein, in When the similarity score is within a first predetermined range, open a first electronic account with a card number, and send a notification of successful account opening to the client. In this way, problems such as lack of resources in offline bank outlets and long offline processing procedures can be solved, so as to improve the efficiency of account opening for users and improve user experience.
附图说明Description of drawings
图1为本发明远程开户的方法第一实施例的流程示意图；Fig. 1 is a schematic flow chart of the first embodiment of the method for opening an account remotely in the present invention;
图2为本发明远程开户的方法第二实施例的流程示意图；Fig. 2 is a schematic flow chart of the second embodiment of the method for remotely opening an account of the present invention;
图3为本发明远程开户的方法第三实施例的流程示意图；3 is a schematic flow diagram of a third embodiment of the method for remotely opening an account of the present invention;
图4为本发明远程开户的方法第四实施例的流程示意图；4 is a schematic flowchart of a fourth embodiment of the method for remotely opening an account of the present invention;
图5为本发明远程开户的方法第五实施例的流程示意图；FIG. 5 is a schematic flowchart of a fifth embodiment of the method for remotely opening an account of the present invention;
图6为本发明远程开户的方法第六实施例的流程示意图；FIG. 6 is a schematic flowchart of a sixth embodiment of the method for remotely opening an account of the present invention;
图7为本发明服务器第一实施例的功能模块示意图；FIG. 7 is a schematic diagram of functional modules of the first embodiment of the server of the present invention;
图8为本发明服务器第二实施例的功能模块示意图；FIG. 8 is a schematic diagram of functional modules of the second embodiment of the server of the present invention;
图9为本发明服务器第三实施例的功能模块示意图；FIG. 9 is a schematic diagram of functional modules of the third embodiment of the server of the present invention;
图10为本发明服务器第四实施例的功能模块示意图；FIG. 10 is a schematic diagram of functional modules of the fourth embodiment of the server of the present invention;
图11为本发明服务器第五实施例的功能模块示意图；FIG. 11 is a schematic diagram of functional modules of the fifth embodiment of the server of the present invention;
图12为本发明远程开户系统一实施例的功能模块示意图；12 is a schematic diagram of functional modules of an embodiment of the remote account opening system of the present invention;
图13为图12中客户端的细化功能模块示意图。FIG. 13 is a schematic diagram of the refined functional modules of the client in FIG. 12 .
本发明目的的实现、功能特点及优点将结合实施例，参照附图做进一步说明。The realization of the purpose of the present invention, functional characteristics and advantages will be further described in conjunction with the embodiments and with reference to the accompanying drawings.
具体实施方式detailed description
应当理解，此处所描述的具体实施例仅仅用以解释本发明，并不用于限定本发明。It should be understood that the specific embodiments described here are only used to explain the present invention, not to limit the present invention.
本发明一实施例提供的远程开户的方法，参照图1，所述远程开户的方法包括以下步骤：The method for remotely opening an account provided by an embodiment of the present invention, referring to FIG. 1 , the method for remotely opening an account includes the following steps:
步骤S101，获取用户通过客户端输入的开户申请个人信息以及接收客户端扫描的用户证件信息；Step S101, obtaining the account opening application personal information input by the user through the client terminal and the user certificate information scanned by the receiving client terminal;
本实施例中，所述客户端可以为手机终端、笔记本电脑、平板电脑、便携式电子设备等各种移动终端，也可以为PC固定终端，本实施例优选为手机移动终端。可以理解的是，所述客户端也可以为下载在所述手机终端等设备上的远程开户应用程序。所述开户申请个人信息至少包括：姓名、证件类型、手机号码等。所述用户证件可以为身份证、护照、军人证、户口本、居住证、武警身份证、通行证、暂住证等各种类型的证件。In this embodiment, the client may be various mobile terminals such as a mobile phone terminal, a notebook computer, a tablet computer, and a portable electronic device, or may be a fixed PC terminal. In this embodiment, the mobile terminal is preferably a mobile phone. It can be understood that the client can also be a remote account opening application program downloaded on the mobile terminal and other devices. The account opening application personal information includes at least: name, certificate type, mobile phone number, etc. The user certificate can be various types of certificates such as ID card, passport, military certificate, household registration booklet, residence permit, armed police ID card, pass, and temporary residence permit.
可以理解的是，客户端可以通过启动远程开户程序，来提示用户进行证件信息扫描，以身份证为例，具体可以先扫描身份证件正面，再扫描身份证件反面，并自动通过扫描识别实名制关键信息，包括以下信息：姓名、性别、民族、出生日期、住址、证件号码、照片、发证机关以及有效期等，客户端将扫描识别后的以上实名信息发送至服务器。It is understandable that the client can prompt the user to scan the ID information by starting the remote account opening program. Taking the ID card as an example, the front side of the ID card can be scanned first, and then the back side of the ID card can be scanned, and the key information of the real-name system can be automatically identified through scanning. , including the following information: name, gender, ethnicity, date of birth, address, ID number, photo, issuing authority, and validity period, etc., and the client sends the above real-name information after scanning and identification to the server.
本实施例中，所述服务器拥有庞大的用户社交数据(如微信、手Q等)，基于用户征信模型，可以筛选出符合条件的目标用户，并邀请其开通银行电子账户的申请功能。In this embodiment, the server has huge user social data (such as WeChat, mobile QQ, etc.), and based on the user credit model, can filter out qualified target users and invite them to open the bank electronic account application function.
步骤S102，在所述开户申请个人信息与所述用户证件信息一致时，获取所述客户端通过开启摄像头拍摄得到的用户人脸图片；Step S102, when the account opening application personal information is consistent with the user certificate information, obtain the user's face picture obtained by the client through turning on the camera;
本实施例中，在所述开户申请个人信息与所述用户证件信息一致时，反馈身份核查成功提示，为进一步提高安全性能，客户端通过开启摄像头实时或以预定频率拍摄用户的正面人脸视频，服务器从人脸视频中截取用户人脸图片。可以理解的是，在摄像过程中，为了提高安全等级，防止他人假冒，还可以通过提示随机信息要求用户跟读。而当开户申请个人信息与所述用户证件信息不一致时，如用户身份证号与姓名不匹配或身份证号不存在的情况，反馈身份核查失败提示。In this embodiment, when the personal information of the account opening application is consistent with the user’s certificate information, a prompt of successful identity verification is fed back. In order to further improve security performance, the client takes a video of the user’s frontal face in real time or at a predetermined frequency by turning on the camera. , the server intercepts the user's face picture from the face video. It is understandable that during the video recording process, in order to improve the security level and prevent others from impersonating, the user may also be asked to read along by prompting random information. And when the account opening application personal information is inconsistent with the user's certificate information, such as the user's ID number does not match the name or the ID number does not exist, the identity verification failure prompt will be fed back.
步骤S103，将所述用户人脸图片与目标图片进行比对识别，并结合活体检测技术计算得到相似度分值；Step S103, comparing and identifying the user's face picture with the target picture, and calculating a similarity score in combination with living body detection technology;
本实施例中，所述服务器对所述用户人脸图片与所述目标图片进行对比识别，得到所述用户人脸图片与所述目标图片之间的识别得分，并且，增加了活体检测技术，结合图片对比结果与活体检测结果，计算得到所述相似度分值，以提高安全性。In this embodiment, the server compares and recognizes the user's face picture and the target picture, obtains the recognition score between the user's face picture and the target picture, and adds a living body detection technology, The similarity score is calculated by combining the image comparison result and the living body detection result, so as to improve security.
在一实施例中，当用户初次开户时，服务器向央行联网核查系统获取用户的身份证头像，并比对身份证头像与用户人脸图片的相似度。In one embodiment, when the user opens an account for the first time, the server obtains the user's ID card avatar from the central bank's online verification system, and compares the similarity between the ID card avatar and the user's face picture.
在另一实施例中，当服务器没有从央行联网核查系统获取到用户的身份证头像时，服务器向公安部系统发送用户核身请求，由公安部系统比对公安部预存的用户身份图片与用户人脸图片的相似度。In another embodiment, when the server does not obtain the user's ID card avatar from the central bank's online verification system, the server sends a user authentication request to the system of the Ministry of Public Security, and the system of the Ministry of Public Security compares the user identity picture pre-stored by the Ministry of Public Security with the user's identity picture. The similarity of face images.
步骤S104，在所述相似度分值处于第一预定范围内时，开立带有卡号的第一电子账户，并向所述客户端发送开户成功通知。Step S104, when the similarity score is within a first predetermined range, open a first electronic account with a card number, and send a notification of successful account opening to the client.
本实施例中，将所述相似度分值M划分为三个预定范围，第一预定范围为M＞90，第二预定范围为60≤M≤90，第三预定范围为M＜60，当然，其他实施例可以根据实际情况具体设置，并不限于本实施例。In this embodiment, the similarity score M is divided into three predetermined ranges, the first predetermined range is M>90, the second predetermined range is 60≤M≤90, and the third predetermined range is M<60, of course , other embodiments may be specifically set according to actual conditions, and are not limited to this embodiment.
本实施例中，在M＞90时，表明用户的人脸图片与目标图片的相似度高，此时，即可开立带有卡号的第一电子账户，并向所述客户端发送开户成功通知。所述第一电子账户为经过身份信息核查、人脸识别、活体检测等更高级安全认证后的为客户开立的电子账户，当用户开立第一电子账户后，一般情况下须为用户的电子账户关联一个卡号(可以62卡头的银联卡号)，可以但不必须为用户配发实体卡(含智能设备芯片集成的卡，即IC卡)，此卡具备银行结算账户的主要功能，提供账户查询及管理、投资理财、个贷、转账、支付结算等服务。In this embodiment, when M>90, it indicates that the similarity between the user's face picture and the target picture is high. At this time, the first electronic account with the card number can be opened, and an account opening success message is sent to the client. Notice. The first electronic account is an electronic account opened for the customer after identity information verification, face recognition, liveness detection and other more advanced security authentications. When the user opens the first electronic account, it must be the user's The electronic account is associated with a card number (UnionPay card number with a 62-card header can be used), and a physical card (including a card integrated with a smart device chip, that is, an IC card) can be issued to the user, but this card has the main functions of a bank settlement account, providing Account inquiry and management, investment and wealth management, personal loan, transfer, payment and settlement and other services.
在其他实施例中，当央行或公安部留存的目标图片本身是清晰且用户成功开户的情况下，为提升服务器的安全性及严谨性，还可以在用户成功开户一段时间后加入异步审核机制：由客服人工识别上传的音视频信息是否为用户本人，人工识别的几个关键因子为：是否带面具；是否是照片、视频；是否是其他动物等。In other embodiments, when the target image retained by the central bank or the Ministry of Public Security is clear and the user has successfully opened an account, in order to improve the security and rigor of the server, an asynchronous review mechanism can also be added after the user has successfully opened an account for a period of time: The customer service will manually identify whether the uploaded audio and video information is the user himself. Several key factors for manual identification are: whether wearing a mask; whether it is a photo or video; whether it is another animal, etc.
本发明提供的远程开户的方法，首先获取用户通过客户端输入的开户申请个人信息以及接收客户端扫描的用户证件信息，在所述开户申请个人信息与所述用户证件信息一致时，获取所述客户端通过开启摄像头拍摄得到的用户人脸图片，然后将所述用户人脸图片与目标图片进行比对识别，并结合活体检测技术计算得到相似度分值，其中，在所述相似度分值处于第一预定范围内时，开立带有卡号的第一电子账户，并向所述客户端发送开户成功通知。这样，可以解决银行线下网点资源缺乏、线下办理流程长等问题，以提高用户的开户效率，进而提高用户体验。The remote account opening method provided by the present invention first obtains the account opening application personal information input by the user through the client terminal and the user certificate information scanned by the receiving client, and when the account opening application personal information is consistent with the user certificate information, obtains the The client side turns on the user's face picture captured by the camera, then compares and identifies the user's face picture with the target picture, and calculates the similarity score in combination with the living body detection technology, wherein, in the similarity score When within the first predetermined range, open a first electronic account with the card number, and send a notification of successful account opening to the client. In this way, problems such as lack of resources in offline bank outlets and long offline processing procedures can be solved, so as to improve the efficiency of account opening for users and improve user experience.
在一实施例中，如图2所示，在上述图1的实施例的基础上，所述步骤S102之前还包括：In an embodiment, as shown in FIG. 2 , on the basis of the above embodiment in FIG. 1 , before the step S102, it further includes:
步骤S105，接收所述客户端发送的随机信息生成请求指令；Step S105, receiving the random information generation request instruction sent by the client;
步骤S106，根据所述随机信息生成请求指令生成随机信息；Step S106, generating random information according to the random information generation request instruction;
本实施例中，客户端向服务器发送随机信息生成请求指令，本优选实施例中，所述服务器在接收到所述请求指令后，按照特定算法生成包括数字、字母、汉字、符号或以上任一种或多种组合的随机信息。以一串数字为例，客户端的摄像头在摄像用户的过程中，每隔一秒钟即随机向用户显示一个阿拉伯数字，而用户需匀速朗读显示的数字，客户端将录制完毕的视频上传至服务器，可以理解的是，所述视频文件在传输过程中应进行加密处理。In this embodiment, the client sends a random information generation request instruction to the server. In this preferred embodiment, after the server receives the request instruction, it generates a message including numbers, letters, Chinese characters, symbols or any of the above according to a specific algorithm. Random information of one or more combinations. Taking a series of numbers as an example, the camera of the client will randomly display an Arabic number to the user every second while the camera is capturing the user, and the user needs to read the displayed number at a constant speed, and the client will upload the recorded video to the server , it can be understood that the video file should be encrypted during transmission.
其中，所述步骤S102进一步包括：Wherein, the step S102 further includes:
在所述开户申请个人信息与所述用户证件信息一致时，接收所述移动终端录制用户读取所述随机信息的音视频信息，并根据预设规则从所述音视频信息中抽取出所述用户人脸图片。When the account opening application personal information is consistent with the user certificate information, receive the audio and video information of the user reading the random information recorded by the mobile terminal, and extract the audio and video information from the audio and video information according to preset rules The user's face picture.
本实施例中，所述音视频信息包括用户读取所述随机信息的音频以及人脸视频，服务器随机从所述音视频信息中抽取出多张用户人脸图片，并根据清晰度、静态度筛选出合适的一张用户人脸图片，以保存作为更新的目标图片。In this embodiment, the audio and video information includes the audio and face video of the user reading the random information, and the server randomly extracts a plurality of user face pictures from the audio and video information, and Screen out a suitable user face picture to save as the updated target picture.
在一实施例中，如图3所示，在上述图1或图2的实施例的基础上，所述步骤S103之后还包括：In one embodiment, as shown in FIG. 3 , on the basis of the above-mentioned embodiment in FIG. 1 or FIG. 2 , after the step S103, it further includes:
步骤S107，在所述相似度分值处于第二预定范围内时，启动与所述客户端之间的视频对话模式，更新所述目标图片并建立高清照片数据库，以在重新获取所述用户人脸图片时，再次将所述用户人脸图片与更新的所述目标图片进行识别。Step S107, when the similarity score is within the second predetermined range, start a video dialogue mode with the client, update the target picture and establish a high-definition photo database, so as to reacquire the user profile When the user's face picture is displayed, the user's face picture and the updated target picture are identified again.
本实施例中，在所述相似度分值处于第二预定范围60≤M≤90时，表明人脸识别过程中，用户视频图片与央行或公安部留存的目标图片相似度较低，可能原因是留存的目标图片不清晰，或年代久远用户人脸发生了变化，此时，需要启动与所述客户端之间的视频对话模式，来重新获取高清晰度的目标图片，以方便用户重新进行身份识别。具体可通过一对一的视频对话模式向用户确认所述用户证件信息，由服务器的客服为用户进行身份信息确认，具体包括姓名、身份证号、发证机关、身份证有效期等个人信息。待用户证件信息确认无误时，可以随机截取或根据预算规则截取用户的人脸图片，将此作为更新的目标图片，以建立高清照片数据库。In this embodiment, when the similarity score is in the second predetermined range of 60≤M≤90, it indicates that during the face recognition process, the similarity between the user's video picture and the target picture retained by the central bank or the Ministry of Public Security is low, and the possible reason is It is because the retained target picture is not clear, or the user’s face has changed over time. At this time, it is necessary to start the video dialogue mode with the client to re-acquire the high-definition target picture, so that the user can re-do Identification. Specifically, the user's certificate information can be confirmed to the user through a one-to-one video conversation mode, and the customer service of the server will confirm the identity information for the user, including personal information such as name, ID number, issuing authority, and validity period of the ID card. When the user's certificate information is confirmed to be correct, the user's face picture can be intercepted randomly or according to budget rules, and this can be used as the updated target picture to establish a high-definition photo database.
在一实施例中，如图4所示，在上述图1的实施例的基础上，所述步骤S101中接收客户端扫描的用户证件信息之前还包括：In an embodiment, as shown in FIG. 4 , on the basis of the above embodiment in FIG. 1 , before receiving the user certificate information scanned by the client in the step S101, it further includes:
步骤S108，通过短信对所述开户申请个人信息进行验证，同时对所述开户申请个人信息进行身份证联网核查验证；Step S108, verifying the personal information of the account opening application through SMS, and at the same time, performing an ID card online verification of the account opening application personal information;
本实施例中，服务器对用户填写的证件号码、手机号码等格式进行验证，在验证无误后，向用户填写的手机号码发送短信验证码，以完成动态口令验证。同时，服务器需实时对用户的姓名及证件号码进行身份联网核查，判定姓名、身份证件号是否跟公安部预留的一致。In this embodiment, the server verifies the certificate number, mobile phone number and other formats filled in by the user, and after the verification is correct, sends a verification code via SMS to the mobile phone number filled in by the user to complete the verification of the dynamic password. At the same time, the server needs to conduct an online identity verification of the user's name and ID number in real time to determine whether the name and ID number are consistent with those reserved by the Ministry of Public Security.
步骤S109，在通过验证时设置交易密码；Step S109, setting the transaction password when passing the verification;
本实施例中，动态口令验证及用户身份信息审核通过后，用户需阅读并同意《电子账户开户协议》，并在线设置预定个数为6位的数字交易密码，当然，在其他实施例中，交易密码并不限于本实施例中的个数及类型。In this embodiment, after the verification of the dynamic password and the verification of the user's identity information are passed, the user needs to read and agree to the "Electronic Account Opening Agreement", and set a predetermined number of 6-digit digital transaction passwords online. Of course, in other embodiments, The transaction passwords are not limited to the number and type in this embodiment.
步骤S110，开立带有卡号的第二电子账户。Step S110, open a second electronic account with a card number.
本实施例中，用户通过在线申办经实名认证、以卡号为标志的第二电子账户，所述第二电子账户为简易电子账户，可以提供账户查询及管理、投资理财、绑定后的本人同名账户转账、贷款发放账户等服务。In this embodiment, the user applies online for a second electronic account that has been authenticated by the real name and is marked by the card number. Account transfer, loan disbursement account and other services.
在一实施例中，如图5所示，在上述图4的实施例的基础上，所述步骤S110之前还包括：In an embodiment, as shown in FIG. 5 , on the basis of the above embodiment in FIG. 4 , before the step S110, it further includes:
步骤S111，根据所述开户申请个人信息，绑定与用户同名的银行卡。Step S111, according to the personal information of the account opening application, bind the bank card with the same name as the user.
本实施例中，由用户通过客户端填写本人名下其它银行卡同名卡号和他行预留手机号后，服务器向用户填写的他行预留手机号发送短信验证码，完成动态口令验证。同时，服务器会对接央行账户验证系统或银联系统等，判定姓名、卡号及预留手机号是否与央行系统或银联系统等留存信息的一致，若一致，则完成与用户同名的银行卡之间的绑定。In this embodiment, after the user fills in other bank card numbers with the same name under his name and the mobile phone number reserved by other banks through the client, the server sends a SMS verification code to the reserved mobile phone number filled by the user to complete the dynamic password verification. At the same time, the server will connect to the central bank account verification system or the UnionPay system to determine whether the name, card number, and reserved mobile phone number are consistent with the information retained in the central bank system or UnionPay system. If they are consistent, the bank card with the same name as the user will be completed. bound.
在一实施例中，如图6所示，在上述图1的实施例的基础上，所述步骤S103之后还包括：In an embodiment, as shown in FIG. 6 , on the basis of the above embodiment in FIG. 1 , after the step S103, further includes:
步骤S112，在所述相似度分值处于第三预定范围内时，向所述客户端发送拒绝开户的通知。Step S112, when the similarity score is within a third predetermined range, send a notification of rejecting account opening to the client.
本实施例中，在所述相似度分值处于第三预定范围M＜60时，表明用户人脸图片与所述目标图片之间的相似度较低，此时，服务器可以直接拒绝用户开立带有卡号的第一电子账户的请求。In this embodiment, when the similarity score is in the third predetermined range M<60, it indicates that the similarity between the user's face picture and the target picture is relatively low. Request for first electronic account with card number.
如图7所示，本发明另一实施例提供一种服务器1，所述服务器1包括：As shown in FIG. 7, another embodiment of the present invention provides a server 1, the server 1 includes:
第一接收模块101，用于获取用户通过客户端输入的开户申请个人信息以及接收客户端扫描的用户证件信息；The first receiving module 101 is used to obtain the account opening application personal information input by the user through the client terminal and receive the user certificate information scanned by the client terminal;
本实施例中，所述客户端可以为手机终端、笔记本电脑、平板电脑、便携式电子设备等各种移动终端，也可以为PC固定终端，本实施例优选为手机移动终端。可以理解的是，所述客户端也可以为下载在所述手机终端等设备上的远程开户应用程序。所述开户申请个人信息至少包括：姓名、证件类型、手机号码等。所述用户证件可以为身份证、护照、军人证、户口本、居住证、武警身份证、通行证、暂住证等各种类型的证件。In this embodiment, the client may be various mobile terminals such as a mobile phone terminal, a notebook computer, a tablet computer, and a portable electronic device, or may be a fixed PC terminal. In this embodiment, the mobile terminal is preferably a mobile phone. It can be understood that the client can also be a remote account opening application program downloaded on the mobile terminal and other devices. The account opening application personal information includes at least: name, certificate type, mobile phone number, etc. The user certificate can be various types of certificates such as ID card, passport, military certificate, household registration booklet, residence permit, armed police ID card, pass, and temporary residence permit.
可以理解的是，客户端可以通过启动远程开户程序，来提示用户进行证件信息扫描，以身份证为例，具体可以先扫描身份证件正面，再扫描身份证件反面，并自动通过扫描识别实名制关键信息，包括以下信息：姓名、性别、民族、出生日期、住址、证件号码、照片、发证机关以及有效期等，客户端将扫描识别后的以上实名信息发送至服务器1。It is understandable that the client can prompt the user to scan the ID information by starting the remote account opening program. Taking the ID card as an example, the front side of the ID card can be scanned first, and then the back side of the ID card can be scanned, and the key information of the real-name system can be automatically identified through scanning. , including the following information: name, gender, ethnicity, date of birth, address, ID number, photo, issuing authority, and validity period, etc., and the client sends the above real-name information after scanning and identification to server 1.
本实施例中，所述服务器1拥有庞大的用户社交数据(如微信、手Q等)，基于用户征信模型，可以筛选出符合条件的目标用户，并邀请其开通银行电子账户的申请功能。In this embodiment, the server 1 has huge user social data (such as WeChat, mobile QQ, etc.), based on the user credit model, can filter out qualified target users and invite them to open the application function of bank electronic accounts.
第一获取模块102，用于在所述开户申请个人信息与所述用户证件信息一致时，获取所述客户端通过开启摄像头拍摄得到的用户人脸图片；The first obtaining module 102 is used to obtain the user's face picture captured by the client by turning on the camera when the account opening application personal information is consistent with the user certificate information;
本实施例中，在所述开户申请个人信息与所述用户证件信息一致时，反馈身份核查成功提示，为进一步提高安全性能，客户端通过开启摄像头实时或以预定频率拍摄用户的正面人脸视频，服务器从人脸视频中截取用户人脸图片。可以理解的是，在摄像过程中，为了提高安全等级，防止他人假冒，还可以通过提示随机信息要求用户跟读。而当开户申请个人信息与所述用户证件信息不一致时，如用户身份证号与姓名不匹配或身份证号不存在的情况，反馈身份核查失败提示。In this embodiment, when the personal information of the account opening application is consistent with the user’s certificate information, a prompt of successful identity verification is fed back. In order to further improve security performance, the client takes a video of the user’s frontal face in real time or at a predetermined frequency by turning on the camera. , the server intercepts the user's face picture from the face video. It is understandable that during the video recording process, in order to improve the security level and prevent others from impersonating, the user may also be asked to read along by prompting random information. And when the account opening application personal information is inconsistent with the user's certificate information, such as the user's ID number does not match the name or the ID number does not exist, the identity verification failure prompt will be fed back.
计算模块103，用于将所述识别平台将所述用户人脸图片与目标图片进行比对识别，并结合活体检测技术计算得到相似度分值；The calculation module 103 is used to compare and identify the user's face picture with the target picture by the recognition platform, and calculate the similarity score in combination with the living body detection technology;
本实施例中，所述服务器1对所述用户人脸图片与所述目标图片进行对比识别，得到所述用户人脸图片与所述目标图片之间的识别得分，并且，增加了活体检测技术，结合图片对比结果与活体检测结果，计算得到所述相似度分值，以提高安全性。In this embodiment, the server 1 compares and recognizes the user's face picture and the target picture, obtains the recognition score between the user's face picture and the target picture, and adds the living body detection technology Combining the picture comparison result with the living body detection result, the similarity score is calculated to improve security.
在一实施例中，当用户初次开户时，服务器1向央行联网核查系统获取用户的身份证头像，并比对身份证头像与用户人脸图片的相似度。In one embodiment, when the user opens an account for the first time, the server 1 obtains the user's ID card avatar from the online verification system of the central bank, and compares the similarity between the ID card avatar and the user's face picture.
在另一实施例中，当服务器1没有从央行联网核查系统获取到用户的身份证头像时，服务器1向公安部系统发送用户核身请求，由公安部系统比对公安部预存的用户身份图片与用户人脸图片的相似度。In another embodiment, when the server 1 does not obtain the user's ID card avatar from the central bank's online verification system, the server 1 sends a user authentication request to the system of the Ministry of Public Security, and the system of the Ministry of Public Security compares the user's identity picture pre-stored by the Ministry of Public Security. The similarity with the user's face image.
第一开立模块104，用于在所述相似度分值处于第一预定范围内时，开立带有卡号的第一电子账户，并向所述客户端发送开户成功通知。The first opening module 104 is configured to open a first electronic account with a card number when the similarity score is within a first predetermined range, and send a notification of successful account opening to the client.
本实施例中，将所述相似度分值M划分为三个预定范围，第一预定范围为M＞90，第二预定范围为60≤M≤90，第三预定范围为M＜60，当然，其他实施例可以根据实际情况具体设置，并不限于本实施例。In this embodiment, the similarity score M is divided into three predetermined ranges, the first predetermined range is M>90, the second predetermined range is 60≤M≤90, and the third predetermined range is M<60, of course , other embodiments may be specifically set according to actual conditions, and are not limited to this embodiment.
本实施例中，在M＞90时，表明用户的人脸图片与目标图片的相似度高，此时，即可开立带有卡号的第一电子账户，并向所述客户端发送开户成功通知。所述第一电子账户为经过身份信息核查、人脸识别、活体检测等更高级安全认证后的为客户开立的电子账户，当用户开立第一电子账户后，一般情况下须为用户的电子账户关联一个卡号(可以62卡头的银联卡号)，可以但不必须为用户配发实体卡(含智能设备芯片集成的卡，即IC卡)，此卡具备银行结算账户的主要功能，提供账户查询及管理、投资理财、个贷、转账、支付结算等服务。In this embodiment, when M>90, it indicates that the similarity between the user's face picture and the target picture is high. At this time, the first electronic account with the card number can be opened, and an account opening success message is sent to the client. Notice. The first electronic account is an electronic account opened for the customer after identity information verification, face recognition, liveness detection and other more advanced security authentications. When the user opens the first electronic account, it must be the user's The electronic account is associated with a card number (UnionPay card number with a 62-card header can be used), and a physical card (including a card integrated with a smart device chip, that is, an IC card) can be issued to the user, but this card has the main functions of a bank settlement account, providing Account inquiry and management, investment and wealth management, personal loan, transfer, payment and settlement and other services.
在其他实施例中，当央行或公安部留存的目标图片本身是清晰且用户成功开户的情况下，为提升服务器的安全性及严谨性，还可以在用户成功开户一段时间后加入异步审核机制：由客服人工识别上传的音视频信息是否为用户本人，人工识别的几个关键因子为：是否带面具；是否是照片、视频；是否是其他动物等。In other embodiments, when the target image retained by the central bank or the Ministry of Public Security is clear and the user has successfully opened an account, in order to improve the security and rigor of the server, an asynchronous review mechanism can also be added after the user has successfully opened an account for a period of time: The customer service will manually identify whether the uploaded audio and video information is the user himself. Several key factors for manual identification are: whether wearing a mask; whether it is a photo or video; whether it is another animal, etc.
本发明提供的服务器，首先获取用户通过客户端输入的开户申请个人信息以及接收客户端扫描的用户证件信息，在所述开户申请个人信息与所述用户证件信息一致时，获取所述客户端通过开启摄像头拍摄得到的用户人脸图片，然后将所述用户人脸图片与目标图片进行比对识别，并结合活体检测技术计算得到相似度分值，其中，在所述相似度分值处于第一预定范围内时，开立带有卡号的第一电子账户，并向所述客户端发送开户成功通知。这样，可以解决银行线下网点资源缺乏、线下办理流程长等问题，以提高用户的开户效率，进而提高用户体验。The server provided by the present invention first obtains the personal information of the account opening application input by the user through the client and the user certificate information scanned by the client, and when the personal information of the account opening application is consistent with the user certificate information, obtains the account information passed by the client. Turn on the user's face picture captured by the camera, then compare and identify the user's face picture with the target picture, and calculate the similarity score in combination with the living body detection technology, wherein the similarity score is at the first When within the predetermined range, open the first electronic account with the card number, and send a notification of successful account opening to the client. In this way, problems such as lack of resources in offline bank outlets and long offline processing procedures can be solved, so as to improve the efficiency of account opening for users and improve user experience.
在一实施例中，如图8所示，在上述图7的实施例的基础上，所述服务器1还包括：In one embodiment, as shown in FIG. 8, on the basis of the above embodiment in FIG. 7, the server 1 further includes:
第二接收模块105，用于接收所述客户端发送的随机信息生成请求指令；The second receiving module 105 is configured to receive the random information generation request instruction sent by the client;
生成模块106，用于根据所述随机信息生成请求指令生成随机信息；A generation module 106, configured to generate random information according to the random information generation request instruction;
本实施例中，客户端向服务器1发送随机信息生成请求指令，本优选实施例中，所述服务器在接收到所述请求指令后，按照特定算法生成包括数字、字母、汉字、符号或以上任一种或多种组合的随机信息。以一串数字为例，客户端的摄像头在摄像用户的过程中，每隔一秒钟即随机向用户显示一个阿拉伯数字，而用户需匀速朗读显示的数字，客户端将录制完毕的视频上传至服务器1，可以理解的是，所述视频文件在传输过程中应进行加密处理。In this embodiment, the client sends a random information generation request instruction to the server 1. In this preferred embodiment, after the server receives the request instruction, it generates a message including numbers, letters, Chinese characters, symbols or any of the above according to a specific algorithm. Random information in one or more combinations. Taking a series of numbers as an example, the camera of the client will randomly display an Arabic number to the user every second while the camera is capturing the user, and the user needs to read the displayed number at a constant speed, and the client will upload the recorded video to the server 1. It can be understood that the video file should be encrypted during transmission.
其中，所述第一获取模块102进一步用于：Wherein, the first acquiring module 102 is further used for:
接收所述移动终端录制用户读取所述随机信息的音视频信息，并根据预设规则从所述音视频信息中抽取出所述用户人脸图片。receiving the mobile terminal recording audio and video information in which the user reads the random information, and extracting the user's face picture from the audio and video information according to preset rules.
本实施例中，所述音视频信息包括用户读取所述随机信息的音频以及人脸视频，服务器1随机从所述音视频信息中抽取出多张用户人脸图片，并根据清晰度、静态度筛选出合适的一张用户人脸图片，以保存作为更新的目标图片。In this embodiment, the audio and video information includes the audio and face video of the user reading the random information, and the server 1 randomly extracts a plurality of user face pictures from the audio and video information, and according to the definition, static Screen out a suitable user face picture to save it as the updated target picture.
在一实施例中，如图9所示，在上述图7的实施例的基础上，所述服务器还包括：In one embodiment, as shown in FIG. 9 , on the basis of the above embodiment in FIG. 7 , the server further includes:
启动模块107，用于在所述相似度分值处于第二预定范围内时，启动与所述客户端之间的视频对话模式，更新所述目标图片并建立高清照片数据库，以在重新获取所述用户人脸图片时，再次将所述用户人脸图片与更新的所述目标图片进行识别。The starting module 107 is used to start the video dialogue mode with the client when the similarity score is within the second predetermined range, update the target picture and establish a high-definition photo database, so as to reacquire the When the user's face picture is mentioned, the user's face picture and the updated target picture are identified again.
本实施例中，在所述相似度分值处于第二预定范围60≤M≤90时，表明人脸识别过程中，用户视频图片与央行或公安部留存的目标图片相似度较低，可能原因是留存的目标图片不清晰，或年代久远用户人脸发生了变化，此时，需要启动与所述客户端之间的视频对话模式，来重新获取高清晰度的目标图片，以方便用户重新进行身份识别。具体可通过一对一的视频对话模式向用户确认所述用户证件信息，由服务器的客服为用户进行身份信息确认，具体包括姓名、身份证号、发证机关、身份证有效期等个人信息。待用户证件信息确认无误时，可以随机截取或根据预算规则截取用户的人脸图片，将此作为更新的目标图片，以建立高清照片数据库。In this embodiment, when the similarity score is in the second predetermined range of 60≤M≤90, it indicates that during the face recognition process, the similarity between the user's video picture and the target picture retained by the central bank or the Ministry of Public Security is low, and the possible reason is It is because the retained target picture is not clear, or the user’s face has changed over time. At this time, it is necessary to start the video dialogue mode with the client to re-acquire the high-definition target picture, so that the user can re-do Identification. Specifically, the user's certificate information can be confirmed to the user through a one-to-one video conversation mode, and the customer service of the server will confirm the identity information for the user, including personal information such as name, ID number, issuing authority, and validity period of the ID card. When the user's certificate information is confirmed to be correct, the user's face picture can be intercepted randomly or according to budget rules, and this can be used as the updated target picture to establish a high-definition photo database.
在一实施例中，如图10所示，在上述图7的实施例的基础上，所述服务器还包括：In one embodiment, as shown in FIG. 10 , on the basis of the above embodiment in FIG. 7 , the server further includes:
验证模块108，用于通过短信对所述开户申请个人信息进行验证，同时对所述开户申请个人信息进行身份证联网核查验证；The verification module 108 is used to verify the personal information of the account opening application through a short message, and at the same time carry out an ID card online verification of the account opening application personal information;
本实施例中，服务器对用户填写的证件号码、手机号码等格式进行验证，在验证无误后，向用户填写的手机号码发送短信验证码，以完成动态口令验证。同时，服务器需实时对用户的姓名及证件号码进行身份联网核查，判定姓名、身份证件号是否跟公安部预留的一致。In this embodiment, the server verifies the certificate number, mobile phone number and other formats filled in by the user, and after the verification is correct, sends a verification code via SMS to the mobile phone number filled in by the user to complete the verification of the dynamic password. At the same time, the server needs to conduct an online identity verification of the user's name and ID number in real time to determine whether the name and ID number are consistent with those reserved by the Ministry of Public Security.
设置模块109，用于在通过验证时设置交易密码；Setting module 109, for setting transaction password when passing verification;
本实施例中，动态口令验证及用户身份信息审核通过后，用户需阅读并同意《电子账户开户协议》，并在线设置预定个数为6位的数字交易密码，当然，在其他实施例中，交易密码并不限于本实施例中的个数及类型。In this embodiment, after the verification of the dynamic password and the verification of the user's identity information are passed, the user needs to read and agree to the "Electronic Account Opening Agreement", and set a predetermined number of 6-digit digital transaction passwords online. Of course, in other embodiments, The transaction passwords are not limited to the number and type in this embodiment.
第二开立模块110，用于开立带有卡号的第二电子账户。The second opening module 110 is used to open a second electronic account with a card number.
本实施例中，用户通过在线申办经实名认证、以卡号为标志的第二电子账户，所述第二电子账户为简易电子账户，可以提供账户查询及管理、投资理财、绑定后的本人同名账户转账、贷款发放账户等服务。In this embodiment, the user applies online for a second electronic account that has been authenticated by the real name and is marked by the card number. Account transfer, loan disbursement account and other services.
在一实施例中，如图10所示，在上述图7的实施例的基础上，所述服务器还包括：In an embodiment, as shown in FIG. 10 , on the basis of the above embodiment in FIG. 7 , the server further includes:
绑定模块111，用于根据所述开户申请个人信息，绑定与用户同名的银行卡。Binding module 111, configured to bind the bank card with the same name as the user according to the personal information of the account opening application.
本实施例中，由用户通过客户端填写本人名下其它银行卡同名卡号和他行预留手机号后，服务器向用户填写的他行预留手机号发送短信验证码，完成动态口令验证。同时，服务器会对接央行账户验证系统或银联系统等，判定姓名、卡号及预留手机号是否与央行系统或银联系统等留存信息的一致，若一致，则完成与用户同名的银行卡之间的绑定。In this embodiment, after the user fills in other bank card numbers with the same name under his name and the mobile phone number reserved by other banks through the client, the server sends a SMS verification code to the reserved mobile phone number filled by the user to complete the dynamic password verification. At the same time, the server will connect to the central bank account verification system or the UnionPay system to determine whether the name, card number, and reserved mobile phone number are consistent with the information retained in the central bank system or UnionPay system. If they are consistent, the bank card with the same name as the user will be completed bound.
在一实施例中，如图11所示，在上述图7的实施例的基础上，所述服务器还包括：In one embodiment, as shown in FIG. 11 , on the basis of the above embodiment in FIG. 7 , the server further includes:
通知模块112，用于在所述相似度分值处于第三预定范围内时，向所述客户端发送拒绝开户的通知。A notification module 112, configured to send a notification of refusal to open an account to the client when the similarity score is within a third predetermined range.
本实施例中，在所述相似度分值处于第三预定范围M＜60时，表明用户人脸图片与所述目标图片之间的相似度较低，此时，服务器可以直接拒绝用户开立带有卡号的第一电子账户的请求。In this embodiment, when the similarity score is in the third predetermined range M<60, it indicates that the similarity between the user's face picture and the target picture is relatively low. Request for first electronic account with card number.
如图12所示，本发明另一实施例还提供一种远程开户系统100，所述远程开户系统100包括客户端2以及如上所述的服务器1，As shown in Figure 12, another embodiment of the present invention also provides a remote account opening system 100, the remote account opening system 100 includes a client 2 and a server 1 as described above,
如图13所示，在一实施例中，所述客户端2包括：As shown in Figure 13, in one embodiment, the client 2 includes:
第二获取模块201，用于获取用户输入的开户申请个人信息以及扫描的用户证件信息；The second obtaining module 201 is used to obtain the account opening application personal information input by the user and the scanned user certificate information;
本实施例中，所述客户端可以为手机终端、笔记本电脑、平板电脑、便携式电子设备等各种移动终端，也可以为PC固定终端，本实施例优选为手机移动终端。可以理解的是，所述客户端也可以为下载在所述手机终端等设备上的远程开户应用程序。所述开户申请个人信息至少包括：姓名、证件类型、手机号码等。所述用户证件可以为身份证、护照、军人证、户口本、居住证、武警身份证、通行证、暂住证等各种类型的证件。In this embodiment, the client may be various mobile terminals such as a mobile phone terminal, a notebook computer, a tablet computer, and a portable electronic device, or may be a fixed PC terminal. In this embodiment, the mobile terminal is preferably a mobile phone. It can be understood that the client can also be a remote account opening application program downloaded on the mobile terminal and other devices. The account opening application personal information includes at least: name, certificate type, mobile phone number, etc. The user certificate can be various types of certificates such as ID card, passport, military certificate, household registration booklet, residence permit, armed police ID card, pass, and temporary residence permit.
第一发送模块202，用于将所述开户申请个人信息以及用户证件信息发送至所述服务器1；The first sending module 202 is configured to send the account opening application personal information and user certificate information to the server 1;
可以理解的是，客户端可以通过启动远程开户程序，来提示用户进行证件信息扫描，以身份证为例，具体可以先扫描身份证件正面，再扫描身份证件反面，并自动通过扫描识别实名制关键信息，包括以下信息：姓名、性别、民族、出生日期、住址、证件号码、照片、发证机关以及有效期等，客户端将扫描识别后的以上实名信息发送至服务器1。It is understandable that the client can prompt the user to scan the ID information by starting the remote account opening program. Taking the ID card as an example, the front side of the ID card can be scanned first, and then the back side of the ID card can be scanned, and the key information of the real-name system can be automatically identified through scanning. , including the following information: name, gender, ethnicity, date of birth, address, ID number, photo, issuing authority, and validity period, etc., and the client sends the above real-name information after scanning and identification to server 1.
拍摄模块203，用于在所述服务器1确认所述开户申请个人信息与所述用户证件信息一致时，开启摄像头拍摄得到的用户人脸视频；The photographing module 203 is used to turn on the user's face video captured by the camera when the server 1 confirms that the account opening application personal information is consistent with the user certificate information;
本实施例中，在所述开户申请个人信息与所述用户证件信息一致时，反馈身份核查成功提示，为进一步提高安全性能，客户端通过开启摄像头实时或以预定频率拍摄用户的正面人脸视频，可以理解的是，在摄像过程中，为了提高安全等级，防止他人假冒，还可以通过提示随机信息要求用户跟读。而当开户申请个人信息与所述用户证件信息不一致时，如用户身份证号与姓名不匹配或身份证号不存在的情况，反馈身份核查失败提示。In this embodiment, when the personal information of the account opening application is consistent with the user’s certificate information, a prompt of successful identity verification is fed back. In order to further improve security performance, the client takes a video of the user’s frontal face in real time or at a predetermined frequency by turning on the camera. , it is understandable that during the video recording process, in order to improve the security level and prevent other people from impersonating, the user can also be asked to read along by prompting random information. And when the account opening application personal information is inconsistent with the user's certificate information, such as the user's ID number does not match the name or the ID number does not exist, the identity verification failure prompt will be fed back.
第二发送模块204，用于将所述用户人脸视频发送至所述服务器1。The second sending module 204 is configured to send the user face video to the server 1 .
还需要说明的是，在本文中，术语“包括”、“包含”或者其任何其他变体意在涵盖非排他性的包含，从而使得包括一系列要素的过程、方法、物品或者装置不仅包括那些要素，而且还包括没有明确列出的其他要素，或者是还包括为这种过程、方法、物品或者装置所固有的要素。在没有更多限制的情况下，由语句“包括一个……”限定的要素，并不排除在包括该要素的过程、方法、物品或者装置中还存在另外的相同要素。It should also be noted that, herein, the term "comprises", "comprises" or any other variation thereof is intended to cover a non-exclusive inclusion such that a process, method, article or apparatus comprising a set of elements includes not only those elements , but also includes other elements not expressly listed, or also includes elements inherent in such a process, method, article, or device. Without further limitations, an element defined by the phrase "comprising a ..." does not preclude the presence of additional identical elements in the process, method, article, or apparatus comprising that element.
上述本发明实施例序号仅仅为了描述，不代表实施例的优劣。The serial numbers of the above embodiments of the present invention are for description only, and do not represent the advantages and disadvantages of the embodiments.
通过以上的实施方式的描述，本领域的技术人员可以清楚地了解到上述实施例方法可借助软件加必需的通用硬件平台的方式来实现，当然也可以通过硬件，但很多情况下前者是更佳的实施方式。基于这样的理解，本发明的技术方案本质上或者说对现有技术做出贡献的部分可以以软件产品的形式体现出来，该计算机软件产品存储在一个存储介质(如ROM/RAM、磁碟、光盘)中，包括若干指令用以使得一台终端设备(可以是手机，计算机，服务器，或者网络设备等)执行本发明各个实施例所述的方法。Through the description of the above embodiments, those skilled in the art can clearly understand that the methods of the above embodiments can be implemented by means of software plus a necessary general-purpose hardware platform, and of course also by hardware, but in many cases the former is better implementation. Based on such an understanding, the essence of the technical solution of the present invention or the part that contributes to the prior art can be embodied in the form of software products, and the computer software products are stored in a storage medium (such as ROM/RAM, disk, CD) contains several instructions to enable a terminal device (which may be a mobile phone, a computer, a server, or a network device, etc.) to execute the methods described in various embodiments of the present invention.
以上仅为本发明的优选实施例，并非因此限制本发明的专利范围，凡是利用本发明说明书及附图内容所作的等效结构或等效流程变换，或直接或间接运用在其他相关的技术领域，均同理包括在本发明的专利保护范围内。The above are only preferred embodiments of the present invention, and are not intended to limit the patent scope of the present invention. Any equivalent structure or equivalent process conversion made by using the description of the present invention and the contents of the accompanying drawings, or directly or indirectly used in other related technical fields , are all included in the scope of patent protection of the present invention in the same way.
| Application Number | Priority Date | Filing Date | Title |
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| CN201510974751.8ACN105608621A (en) | 2015-12-22 | 2015-12-22 | Remote account opening method, server and system |
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510974751.8ACN105608621A (en) | 2015-12-22 | 2015-12-22 | Remote account opening method, server and system |
| Publication Number | Publication Date |
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| CN105608621Atrue CN105608621A (en) | 2016-05-25 |
| Application Number | Title | Priority Date | Filing Date |
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| CN201510974751.8APendingCN105608621A (en) | 2015-12-22 | 2015-12-22 | Remote account opening method, server and system |
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| Date | Code | Title | Description |
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| C06 | Publication | ||
| PB01 | Publication | ||
| C10 | Entry into substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| RJ01 | Rejection of invention patent application after publication | ||
| RJ01 | Rejection of invention patent application after publication | Application publication date:20160525 |