CN112199575A - Virtual bank account opening method, device, equipment and computer storage medium - Google Patents

Abstract

Translated fromChinese

本发明涉及人工智能技术领域，公开了虚拟银行开户方法、装置、设备和计算机存储介质，该方法包括以下步骤：接收开户用户基于终端发送的开户信息，所述开户信息包含基础信息和授权信息；采用预设评分卡对所述开户信息进行量化处理，生成所述开户用户的用户特征；将所述用户特征输入预设分类模型，生成所述开户用户的分类结果，其中，所述分类结果分为低风险、潜在风险和高风险；根据所述分类结果发送对应的开户结果至所述终端，其中，所述开户结果包括允许开户、待审查和不允许开户。本发明实现了准确识别虚拟银行开户者的风险状况，降低虚拟银行风险的目的。

The invention relates to the technical field of artificial intelligence, and discloses a virtual bank account opening method, device, equipment and computer storage medium. The method includes the following steps: receiving account opening information sent by an account opening user based on a terminal, where the account opening information includes basic information and authorization information; Use a preset scorecard to quantify the account-opening information to generate user characteristics of the account-opening users; input the user characteristics into a preset classification model to generate a classification result of the account-opening users, wherein the classification results are divided into are low risk, potential risk and high risk; send corresponding account opening results to the terminal according to the classification results, wherein the account opening results include account opening allowed, pending review and account opening not allowed. The invention realizes the purpose of accurately identifying the risk status of the account holder of the virtual bank and reducing the risk of the virtual bank.

Description

Virtual bank account opening method, device, equipment and computer storage medium

Technical Field

The invention relates to the technical field of artificial intelligence, in particular to a virtual bank account opening method, a virtual bank account opening device, virtual bank account opening equipment and a computer storage medium.

Background

With the development of society, the banking industry is also greatly changed, the banking business in the traditional banking mode is all carried out on line, a user generally needs to make an appointment in advance when handling the business, the freedom of the user is limited to a great extent, the time of the user is wasted, the experience of the user is very poor, and the cost of the bank is high.

In order to solve the pain of the traditional bank, the virtual bank is produced by the operation, the virtual bank basically has no need of depending on an offline network point to accept various requests of clients, great convenience is brought to the clients, but the online operation business also has problems, for example, the online account opening business as an entrance lacks an effective examination mechanism for account opening users, partial credit conditions are poor or other useful people can take the opportunity to cause loss to the bank, and the problem how to effectively discriminate the account openers with different risks in account opening of the virtual bank is urgently solved.

Disclosure of Invention

The invention mainly aims to provide a virtual bank account opening method, a virtual bank account opening device, virtual bank account opening equipment and a computer storage medium, and aims to solve the technical problem that a virtual bank cannot effectively screen the risk of an account opening user.

In order to achieve the purpose, the invention provides a virtual bank account opening method, which comprises the following steps:

receiving account opening information sent by an account opening user based on a terminal, wherein the account opening information comprises basic information and authorization information;

quantizing the account opening information by adopting a preset scoring card to generate user characteristics of the account opening user;

inputting the user characteristics into a preset classification model, and generating a classification result of the account opening user, wherein the classification result is divided into a low risk, a potential risk and a high risk;

and sending a corresponding account opening result to the terminal according to the classification result, wherein the account opening result comprises account opening permission, to-be-examined account opening permission and account opening non-permission.

In an embodiment, the step of receiving account opening information sent by an account opening user based on a terminal, where the account opening information includes basic information and authorization information, includes:

receiving an account opening request sent by a user based on the terminal;

and determining an account opening type according to the account opening request, and returning an account opening information acquisition mode corresponding to the account opening type to the terminal.

In an embodiment, the step of receiving account opening information sent by an account opening user based on a terminal, where the account opening information includes basic information and authorization information, includes:

preprocessing user information in a preset user information base to generate a training sample;

and carrying out model training by adopting the training samples to generate a preset classification model.

In an embodiment, after the step of sending the corresponding account opening result to the terminal according to the classification result, the method includes:

if the information loss behavior of the account opening user is detected after the account opening of the user, adding account opening information of the account opening user into an abnormal information base;

and correcting and training the preset classification model by using account opening information of the abnormal information base.

In an embodiment, the step of sending the corresponding account opening result to the terminal according to the classification result includes:

if the classification result is low risk, sending an account opening permission result to the terminal;

if the classification result is a potential risk, sending a result to be inspected to the terminal;

and if the classification result is high risk, sending a result which does not allow account opening to the terminal.

In an embodiment, after the step of sending the result to be inspected to the terminal if the classification result is a potential risk, the method includes:

sending the account opening information of which the classification result is the potential risk to a customer service system so that the customer service system distributes customer service personnel to carry out due diligence investigation on account opening users corresponding to the account opening information to generate due diligence investigation results;

and re-determining an account opening result according to the due diligence result and sending the account opening result to the terminal.

In an embodiment, after the step of sending the corresponding account opening result to the terminal according to the classification result, the method includes:

when a user generates transaction information, the transaction information is broadcasted in a preset block chain in a whole network, so that each block in the block chain records the transaction information;

constructing a Merck tree by taking the self block as a reference;

and when a transaction information query instruction of a user is received, querying the Mercker tree based on the transaction information to acquire the transaction information corresponding to the transaction information query instruction.

In addition, to achieve the above object, the present invention further provides a virtual bank account opening apparatus, including:

the system comprises a receiving module, a sending module and a receiving module, wherein the receiving module is used for receiving account opening information sent by an account opening user based on a terminal, and the account opening information comprises basic information and authorization information;

the processing module is used for carrying out quantitative processing on the account opening information by adopting a preset scoring card to generate the user characteristics of the account opening user;

the classification module is used for inputting the user characteristics into a preset classification model and generating a classification result of the account opening user, wherein the classification result is divided into a low risk, a potential risk and a high risk;

and the sending module is used for sending a corresponding account opening result to the terminal according to the classification result, wherein the account opening result comprises account opening permission, to-be-examined account opening permission and account opening non-permission.

In addition, in order to realize the purpose, the invention also provides a virtual bank account opening device;

the virtual bank account opening device comprises: a memory, a processor, and a computer program stored on the memory and executable on the processor, wherein:

the computer program, when executed by the processor, implements the steps of the virtual bank account opening method as described above.

In addition, to achieve the above object, the present invention also provides a computer storage medium;

the computer storage medium has stored thereon a computer program which, when executed by a processor, implements the steps of the virtual bank account opening method as described above.

The embodiment of the invention provides a virtual bank account opening method, a virtual bank account opening device and a computer storage medium, wherein account opening information sent by an account opening user based on a terminal is received, and the account opening information comprises basic information and authorization information; quantizing the account opening information by adopting a preset scoring card to generate user characteristics of the account opening user; inputting the user characteristics into a preset classification model, and generating a classification result of the account opening user, wherein the classification result is divided into a low risk, a potential risk and a high risk; and sending corresponding account opening results to the terminal according to the classification results, wherein the account opening results comprise allowable account opening, pending examination and unallowable account opening, and the traditional mode of examining, examining and opening accounts by bank workers is changed into a preset classification model trained in advance for examination, so that the risk condition of the account openers is effectively screened, and the risk of a virtual bank is reduced.

Drawings

FIG. 1 is a schematic diagram of an apparatus in a hardware operating environment according to an embodiment of the present invention;

FIG. 2 is a flowchart illustrating a first embodiment of a virtual bank account opening method according to the present invention;

FIG. 3 is a diagram illustrating a registration process according to the present invention.

The implementation, functional features and advantages of the objects of the present invention will be further explained with reference to the accompanying drawings.

Detailed Description

It should be understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.

Because the online account opening business as an entrance in the virtual bank lacks an effective examination mechanism for account opening users, partial credit conditions are poor or useful users can take the opportunity, loss is caused to the bank, or the examination mechanism unreasonably rejects partial common potential users, so that how to effectively identify account opening users with different risks and avoid loss of the potential users becomes an urgent problem to be solved.

The invention provides a solution, which enables a virtual bank account opening device to receive account opening information sent by an account opening user based on a terminal, uses the account opening information as a basis for auditing the account opening of the user, it can be understood that the account opening information of the user is not necessarily all information which can be directly processed, so the virtual bank account opening device carries out quantitative processing on the account opening information to generate the user characteristics of the account opening user, after the user feature vector is constructed, inputting the user features into a preset classification model to generate a classification result of the account opening user, and sending a corresponding account opening result to the terminal according to the classification result, and changing the traditional mode of auditing account opening by bank staff into a pre-trained preset classification model for auditing, so that the risk condition of the account opening person is effectively screened, and the virtual bank risk is reduced.

As shown in fig. 1, fig. 1 is a schematic structural diagram of a terminal (also called a virtual bank account opening device, where the virtual bank account opening device may be formed by a single virtual bank account opening device, or may be formed by combining other devices and the virtual bank account opening device) in a hardware operating environment according to an embodiment of the present invention.

The terminal of the embodiment of the invention can be a fixed terminal or a mobile terminal, such as an intelligent air conditioner with networking function, an intelligent electric lamp, an intelligent power supply, an intelligent sound box, an automatic driving automobile, a Personal Computer (PC), a smart phone, a tablet computer, an electronic book reader, a portable computer and the like.

As shown in fig. 1, the terminal may include: aprocessor 1001, such as a Central Processing Unit (CPU), anetwork interface 1004, auser interface 1003, amemory 1005, and acommunication bus 1002. Wherein acommunication bus 1002 is used to enable connective communication between these components. Theuser interface 1003 may include a Display screen (Display), an input unit such as a Keyboard (Keyboard), and theoptional user interface 1003 may also include a standard wired interface, a wireless interface. Thenetwork interface 1004 may optionally include a standard wired interface, a WIreless interface (e.g., WIFI interface, WIreless FIdelity, WIFI interface). Thememory 1005 may be a high-speed RAM memory or a non-volatile memory (e.g., a magnetic disk memory). Thememory 1005 may alternatively be a storage device separate from theprocessor 1001.

Optionally, the terminal may further include a camera, a Radio Frequency (RF) circuit, a sensor, an audio circuit, and a WiFi module; the input unit is compared with a display screen and a touch screen; the network interface may optionally be other than WiFi, bluetooth, probe, etc. in the wireless interface. Such as light sensors, motion sensors, and other sensors. In particular, the light sensor may include an ambient light sensor and a proximity sensor; of course, the mobile terminal may also be configured with other sensors such as a gyroscope, a barometer, a hygrometer, a thermometer, and an infrared sensor, which are not described herein again.

Those skilled in the art will appreciate that the terminal structure shown in fig. 1 is not intended to be limiting and may include more or fewer components than those shown, or some components may be combined, or a different arrangement of components.

As shown in fig. 1, the computer software product is stored in a storage medium (storage medium: also called computer storage medium, computer medium, readable storage medium, computer readable storage medium, or direct storage medium, etc., and the storage medium may be a non-volatile readable storage medium, such as RAM, magnetic disk, optical disk), and includes several instructions for enabling a terminal device (which may be a mobile phone, a computer, a server, an air conditioner, or a network device, etc.) to execute the method according to the embodiments of the present invention, and amemory 1005 as a computer storage medium may include an operating system, a network communication module, a user interface module, and a computer program.

In the terminal shown in fig. 1, thenetwork interface 1004 is mainly used for connecting to a backend server and performing data communication with the backend server; theuser interface 1003 is mainly used for connecting a client (user side) and performing data communication with the client; and theprocessor 1001 may be configured to call the computer program stored in thememory 1005 and execute the steps in the virtual bank account opening method provided by the following embodiment of the present invention.

Referring to fig. 2, in a first embodiment of a virtual bank account opening method according to the present invention, the virtual bank account opening method includes:

and step S30, receiving account opening information sent by an account opening user based on the terminal, wherein the account opening information comprises basic information and authorization information.

The virtual bank account opening device receives account opening information sent by an account opening user based on a terminal, the virtual bank account opening device is usually a core system of a virtual bank, the terminal can be a pc, a mobile phone, a special bank cabinet machine and the like, the account opening information comprises two parts, one part is information which is acquired by a means that the user directly fills in an account opening page of the terminal and performs ocr scanning or living body detection and the like through a camera, the information of the part becomes basic information in the embodiment, the other part is user information acquisition which is performed only by one step on an external data interface and a cooperation data interface by account opening description displayed to the user by a registration interface and authority for electronic subscription acquisition by a virtual bank client device, and the information of the part is called authorization information in the embodiment.

Further, step S30 may be preceded by:

step S10, receiving an account opening request sent by a user based on the terminal;

the virtual bank account opening equipment receives an account opening request sent by a user based on a terminal, the account opening type of a virtual bank comprises multiple types, such as a debit account, a credit account, a debit account and the like, the account opening request comprises an account opening type specified by the user, and the account opening type comprises the debit account, the credit account, the debit account and the like.

It can be understood that, before step S10, the user needs to perform a registration operation in advance, referring to fig. 3, if the user uses a mobile phone number registration method, before the user submits a registration instruction to make the user know the relevant terms, after the initial registration is completed, the electronic signing is performed on the line in the form of a text message and with the traditional signature as the appearance, in fact, the step of completing the electronic signing is to obtain the authorization of the user, to further capture more authorization information from the cooperation interface or the external interface, and then includes an identity card scanning, such as ocr, to scan the identity card to complete real-name authentication, to determine that the information of the issuer and the identity card is unified, and then to perform a human card comparison, specifically, to start a camera to collect the image of the issuer, to compare with a preset human face database, and further to ensure that the image of the issuer is a real human image rather than a photo, and then performing living body detection, namely requiring the account opening person to perform actions such as turning head, opening mouth, blinking and the like when acquiring the image of the account opening person, after authentication and comparison, firstly, colliding the information of the account opening person with data in a blacklist, and if the account opening person is in the blacklist, directly rejecting further account opening operation of the user.

Further, step S30 may be preceded by:

step a1, preprocessing the user information in a preset user information base to generate a training sample;

the virtual bank account opening equipment preprocesses the information of the user in the preset user information base to generate a training sample, and quantifies the information, such as academic information, recording the training sample information as junior high school and high school, quantizing the academic calendar information to form characteristics represented by numbers, processing the information of each dimension by the method, locating in a certain interval, constructing a preset scoring card by using a statistical method according to a user information base, the establishing process of the scoring card model mainly comprises the processes of data acquisition, exploratory data analysis and data preprocessing, the user information base comprises information of the credited users and information of the lost credited users, in order to ensure the accuracy of the subsequent model training result, a certain sample is selected to combine the information of the credited users and the information of the lost credited users as a training sample, and part of the sample is reserved for model verification. Performing null value processing and normalization processing on the determined training samples; regarding null processing, specifically, after a training sample is determined, for a dimension with a serious information loss, even if padding is performed in subsequent training, the dimension does not have a reference value, so that the dimension is removed, and for a null value in an important dimension, padding processing is performed, and if a median value is selected as padding. With respect to normalization, specifically, selection of unquantized variables in the training sample, model development, model evaluation, model implementation, model detection, and the like.

The main steps of obtaining the constructed scoring card by summarizing the establishing process of the scoring card model comprise: selecting a modeling user; selecting a modeling variable; setting a modeling coefficient for each modeling variable; and constructing a scoring card model by combining a preset modeling rule according to each modeling variable and the corresponding modeling coefficient thereof. It is understood that the modeling user refers to a user used for constructing a model, and in order to ensure the accuracy of the scoring card model on the prediction of a new user, the modeling information base number needs to be ensured. The modeling variables are one or more variables selected from user variables, and the modeling variables can be selected in a way that: the method comprises the steps of dividing a plurality of modeling users into a plurality of groups of modeling samples according to a certain rule such as a time rule, selecting variables which are well represented in each group of modeling samples from user variables as modeling variables according to the representation condition of each user variable in the plurality of modeling samples, setting modeling coefficients for each modeling variable according to the weight of each modeling variable in each modeling user, namely setting the modeling coefficients for each modeling variable according to the influence condition of each modeling variable on user prediction, then constructing a score card model according to the selected modeling variables and the corresponding modeling coefficients, and after the score card model is established, carrying out quantization processing on each dimension data according to the score card standard by using the score card model.

And a2, performing model training by using the training samples to generate a preset classification model.

The virtual bank account opening equipment performs model training by adopting the training samples to generate preset sub-models, and the training samples can be used for constructing user classification models after being processed by the method. The method comprises the steps of extracting influence factors such as income, academic duration, mobile phone network access duration, E-commerce platform refund rate, number of famous credit cards, performing times and the like in a training sample to serve as characteristics of a user classification model, primarily constructing the user classification model by using Machine learning Algorithms such as Support Vector Machines (SVM), Clustering Algorithms (Clustering Algorithms) and the like, and using other samples except the training sample as verification data to verify reliability of the user classification model.

And step S20, determining an account opening type according to the account opening request, and returning an account opening information acquisition mode corresponding to the account opening type to the terminal.

The virtual bank account opening device determines the account opening type according to the account opening request and returns an account opening information acquisition method corresponding to the account opening type to the terminal, the examination conditions of an account opening person are different due to different account opening types, the examination required when a user conducts account opening with a debit account is not necessarily strict as a credit account and a debit account, the steps of reducing part of unnecessary data filling and authentication effectively improve the account opening efficiency of a low-risk account such as the debit account, and different information acquisition pages such as the debit account, a credit card account and a debit account are displayed according to the account or the service type of the account opening selected by the user at the terminal, wherein the account is divided into the low-risk account, namely the debit account, the medium-risk account, namely the credit card account and the high-risk account according to the possible risks granted to different accounts by an institution and respectively displays the different information acquisition pages, the server receives personal information input by a user based on the mobile terminal, basic personal information such as mobile phone numbers and ID card information is input when a debit account is opened, information including a job company, income, social security, public deposit and the like is input when a credit card account is opened, and asset information and the like are additionally included when a debit account is opened. The step also comprises electronic signing of the user so that the client can know the related terms, and authorization operation of the user is obtained through the electronic signing so as to carry out deeper information mining, such as the network access time length of the mobile phone number, the number of the credit cards under the name, the performance condition, the purchasing record of the e-commerce account, the refund condition, the consumption detail, the dimensions of frequent contacts of the phone (whether the frequent contacts exist in a blacklist and a loss list) and the social application frequent contacts (whether the frequent contacts of the social application exist in a blacklist and a loss list) and the like.

And step S40, carrying out quantitative processing on the account opening information by adopting a preset scoring card, and generating the user characteristics of the account opening user.

The virtual bank account opening device carries out quantitative processing on the account opening information to generate user characteristics of the account opening user, as for the explanation of the account opening information in the previous step, the account opening information is not only information (basic information) filled by the user during registration or account opening, but also information (authorization information) of the user acquired by the virtual bank account opening device through an external interface or a cooperation interface, data input by the user and data obtained by authorization are preprocessed, such as null value and normalization, if the information filled by the non-standard and the information not filled by the non-standard are inserted into the null value, and a preset score card is used for determining scores for all dimensions. It can be understood that the information of the user is often in various text styles or lacks of a quantization standard, for example, dimensions such as frequent contacts of a telephone and the like which cannot be accurately used as classified features should be quantized, and the quantization method includes, for example, establishing a preset score card for the features of each dimension or adopting a dictionary mapping mode, converting the collected account opening information into a unified standard to generate the user features of the account opening user, and storing the user features in a multi-dimensional vector mode.

Step S50, inputting the user characteristics into a preset classification model, and generating a classification result of the account opening user, wherein the classification result is divided into low risk, potential risk and high risk.

The virtual bank account opening equipment inputs the user characteristics into a preset classification model to generate a classification result of the account opening user, the preset classification model is a model which is trained and established in advance and can determine the credit or risk condition of the user according to the user characteristics, the establishment method of the preset classification model is explained in the following embodiments, the description is omitted here, the classification result of the user is divided into three categories, namely low risk, potential risk and high risk, and different countermeasures are provided for account opening users with different risks, which will be explained in the following embodiments.

And step S60, sending corresponding account opening results to the terminal according to the classification results, wherein the account opening results comprise account opening permission, to-be-checked account opening permission and account opening non-permission.

And the virtual bank account opening equipment sends corresponding account opening results to the terminal according to the classification results, as described in the previous step, the classification results comprise three types of low risk, potential risk and high risk, the corresponding account opening results also comprise three types of account opening permission, to-be-examined account opening permission and account opening non-permission, and the virtual bank account opening equipment feeds the classification results back to the terminal to know the current account opening condition of the user.

Further, step S60 further includes:

step b1, if the classification result is low risk, sending the result of allowing account opening to the terminal;

step b2, if the classification result is a potential risk, sending a result to be examined to the terminal;

and b3, if the classification result is high risk, sending the result that account opening is not allowed to the terminal.

If the classification result is low risk, the virtual bank account opening device sends an account opening permission result to the terminal, if the classification result is potential risk, the virtual bank account opening device sends a to-be-examined result to the terminal, if the classification result is high risk, the virtual bank account opening device sends an account opening non-permission result to the terminal, for high risk classification, only the account opening non-permission result is returned, for potential risk classification, the to-be-examined result is returned, account opening information enters a to-be-examined list, customer service personnel are further allocated for investigation, and whether the user is permitted to open an account is determined according to the investigation result.

Further, the step b2 may include the following steps:

step b4, sending the account opening information of which the classification result is a potential risk to a customer service system, so that the customer service system distributes customer service personnel to carry out due diligence investigation on account opening users corresponding to the account opening information to generate due diligence investigation results.

And b5, re-determining the account opening result according to the due diligence result and sending the account opening result to the terminal.

And returning a result to be checked, entering the user information into a list to be checked, further distributing client service personnel for investigation, determining whether the user is allowed to open an account according to the investigation result, and returning the authorized user to the client for next service selection. The content of the investigation of the customer service staff comprises occupation, industry, income, contact address and contact telephone of the customer, the condition on an external sanctioning list, external investigation condition and the like, in addition, the method of inquiring the customer by mastered information in a video mode for comparison is realized, the micro-expression evaluation of eye movement, head posture, muscle action and the like of the video is recorded, an evaluation value is obtained to be used as a reference of the investigation result by the customer service staff, after the full-time investigation result of a target bank customer is output, the business staff can select the current investigation conclusion of the target bank customer according to the information, and the investigation conclusion is a set with limited options. For example: maintaining the current classification result, adjusting the client classification result, and the like.

In this embodiment, the virtual bank account opening device receives account opening information sent by an account opening user based on a terminal, takes the account opening information as a basis for auditing the account opening of the user, it can be understood that the account opening information of the user is not necessarily all information which can be directly processed, so the virtual bank account opening device carries out quantitative processing on the account opening information to generate the user characteristics of the account opening user, after the user feature vector is constructed, inputting the user features into a preset classification model to generate a classification result of the account opening user, and sending a corresponding account opening result to the terminal according to the classification result, and changing the traditional mode of auditing account opening by bank staff into a pre-trained preset classification model for auditing, so that the risk condition of the account opening person is effectively screened, and the virtual bank risk is reduced.

Further, on the basis of the first embodiment of the present invention, a second embodiment of the virtual bank account opening method of the present invention is further provided, where this embodiment is a post-step of step b1 in the first embodiment, and the virtual bank account opening method includes:

and b6, generating an account opening corresponding to the account opening user.

And b7, receiving the account use information sent by the account opening user based on the terminal.

Step b8, dividing the account into at least two sub-accounts according to the account usage information and a preset protocol corresponding to the account usage information, wherein the funds in each sub-account are independent.

If the classification result is low risk, the virtual bank account opening device sends an account opening permission result to the terminal, and then generates an account opening corresponding to the account opening user, wherein the account opening is a bank account acquired after the account opening user passes the examination, the virtual bank account opening device receives account use information sent by the account opening user based on the terminal, the use information virtual bank account opening device divides the account opening into at least two sub-accounts according to the account use information and a preset protocol corresponding to the account user information, the fund in each sub-account is independent, the preset protocol is a protocol for guiding the account opening to be divided, which is actually a method for recording the account division based on the account use information.

It is understood that many open users have definite open account usage when opening an account in a bank, such as for paying a school fee, for purchasing financial products such as stocks or funds, for paying expenses in a hospital, for paying expenses in an endowment institution.

The embodiment is described by taking a school fee as an example, the school fee further includes sub-items such as book fee, lodging fee, clothing fee and the like, if the total amount of the school fee is 5000 yuan, wherein 1000 yuan for book, 3000 yuan for lodging and 1000 yuan for clothing, and 4500 yuan is stored in the account, the payment of the school fee will be failed due to insufficient balance, if the account is divided into three sub-accounts such as book, lodging and clothing according to the account opening purpose information (school fee) when the account is opened, and the funds of the three accounts are independent, if the sub-accounts such as 1000 for book, 3000 for lodging and 500 for clothing are stored, the payment of the school fee can be firstly performed, and the clothing fee is compensated later, thereby realizing the detailed management of the charging project, and not causing the complete payment failure due to insufficient total amount of the account. In addition, when the account opening purpose information is the purpose of medical care and the like which is related to human health, the right of the user can be effectively guaranteed by dividing the account opening into a plurality of sub-accounts to ensure the stable payment of part of money.

In this embodiment, the account opening is divided into a plurality of sub-accounts with independent funds according to the account use information provided by the account opening user, so that different funds can be respectively paid for the same fee, for the account opening user, the problem that all the funds cannot be paid due to insufficient balance is avoided, and for the payee, the fine management of the charged funds is realized.

Further, on the basis of the first embodiment of the present invention, a third embodiment of the virtual bank account opening method of the present invention is further provided, where this embodiment is a step subsequent to step S60 in the first embodiment, and the virtual bank account opening method includes:

and c1, if the information loss behavior of the account opening user is detected after the user opens the account, adding the account opening information of the account opening user into an abnormal information base.

If the virtual bank account opening device detects the credit loss behavior of the account opening user after the user opens the account, the account opening information of the account opening user is added into the abnormal information base, as in the foregoing embodiment, the user completes the account opening and indicates the acceptance of the preset classification model to the credit of the user, the user determines that the account opening information of the user is data which cannot be accurately identified by the blind zone for the classification model when the user loses the credit, and the credit loss behavior of the account opening user, that is, the virtual bank account opening device inquires the abnormal behavior of the account opening user, such as overdue, so that the data has a great significance for improving the classification capability of the user classification model, and is added into the abnormal information base for further improving the preset classification model.

And c2, carrying out correction training on the preset classification model by using the account opening information of the abnormal information base.

The virtual bank account opening equipment adopts the account opening information of the abnormal information base to correct and train the preset classification model, the account opening information of the lost user is used as a special data record, the special data is used for further correcting the preset classification model, the risk identification capacity of the preset classification model is improved, and the situation that the user who has similar conditions in the future easily checks the bank to plan the bank to cause loss due to the loophole of the bank account opening examination can be avoided to a certain extent.

In this embodiment, the account opening information of the user who has lost credit after the user opens the account is taken as the abnormal information record, and the abnormal information is adopted to carry out correction training on the preset classification model, so that the risk identification capability of the preset classification model is improved, the user who has similar conditions in the future can be prevented from easily passing the audit, and the loss of the virtual bank caused by the loophole of the account opening audit is reduced.

Further, on the basis of the above embodiment of the present invention, a fourth embodiment of the virtual bank account opening method of the present invention is further provided, where this implementation is a post-step of step S60 in the first embodiment, and the virtual bank account opening method includes:

and d1, when the user generates the transaction information, the transaction information is broadcast in the preset block chain in the whole network, so that each block in the block chain records the transaction information.

Step d2, constructing the Merck tree based on the self block.

Step d3, when receiving the transaction information query instruction from the user, querying the mercker tree based on the transaction information to obtain the transaction information corresponding to the transaction information query instruction.

When a user generates transaction information, virtual bank account opening equipment broadcasts the transaction information in a preset block chain, a virtual bank establishes an initial block, a unique public key and a unique private key are issued to an authorized user, the private key is kept by the user and can be modified by the user, the public key and the private key are formed by asymmetric encryption based on the user information such as account opening bank card number and other unique information, when the user carries out transaction operation, the bank broadcasts the transaction information to the whole network, all nodes in the whole network are responsible for maintaining the block chain, the transaction information is written into the block chain, after consensus is achieved, the transaction information is written into the block chain, the transaction operation is completed, whether the user can select whether to uplink the transaction data or not, optionally, if fraud prevention and fraud are carried out, the uplink should be performed, the transaction data is subjected to fund flow by the virtual bank after the whole network consensus, if the operation is like fast transfer to the acquaintance, the user can choose not to chain, and the transaction data is the virtual bank record as the backup of the user regardless of whether the chain is wound or not. If the opposite party is a fraud person or the account is stolen to generate a transaction situation in the transaction, the user encrypts the transaction record and the private key through the public key and sends the encrypted transaction record and the private key to the virtual bank, the virtual bank decrypts the encrypted information by using the private key after receiving the encrypted information of the public key and matches the encrypted information with the private key carried in the decrypted information, if the matching is successful, the transaction record is determined to be an abnormal transaction, the transaction record is broadcasted to the whole network, and the transaction is marked as the abnormal transaction and recorded to be used as self abnormal information backup. After receiving the transaction record with the identifier, the node in the network can judge that the previous transaction record without the identifier is embezzled and removed from the block maintained by the node, and finally, the transaction record is an abnormal transaction record because the whole network achieves consensus, and the data written into the block chain does not contain the consumption record, so that the transaction process of the virtual bank cannot be triggered.

The virtual bank integrates all transaction records, including abnormal records, of a user into a same Mercker tree, stores the Mercker tree in a block chain, a consumer can retrieve the Mercker tree to inquire to obtain accurate transaction information which cannot be tampered, the Mercker tree is of a data structure, leaf nodes in the Mercker tree are hash values of data blocks, and in the method, the hash values correspond to the hash values of the transaction records.

Optionally, in order to realize fast retrieval of transaction records by a user, the virtual bank may construct a transaction data file system, where the transaction data file system is used to store block information and transaction detail data, the size of a file in the file system is configurable, after a current file is full, block data is written into a next file, and a file system index is reconstructed based on the file system, where the index includes position index information of the block and the transaction data in the file system, and in addition, the index may also include historical transaction data and account transaction data, a transaction tree, a metadata index, and the like, and the index may be implemented by using an index database level db.

In addition, an embodiment of the present invention further provides a virtual bank account opening apparatus, where the virtual bank account opening apparatus includes:

the system comprises a receiving module, a sending module and a receiving module, wherein the receiving module is used for receiving account opening information sent by an account opening user based on a terminal, and the account opening information comprises basic information and authorization information;

the processing module is used for carrying out quantitative processing on the account opening information by adopting a preset scoring card to generate the user characteristics of the account opening user;

the classification module is used for inputting the user characteristics into a preset classification model and generating a classification result of the account opening user, wherein the classification result is divided into a low risk, a potential risk and a high risk;

and the sending module is used for sending a corresponding account opening result to the terminal according to the classification result, wherein the account opening result comprises account opening permission, to-be-examined account opening permission and account opening non-permission.

The steps implemented by each functional module of the virtual bank account opening device can refer to each embodiment of the virtual bank account opening method of the present invention, and are not described herein again.

In addition, in order to realize the purpose, the invention also provides a virtual bank account opening device;

the virtual bank account opening device comprises: a memory, a processor, and a computer program stored on the memory and executable on the processor, wherein:

the computer program, when executed by the processor, implements the operations of the virtual bank account opening method as described above.

In addition, the embodiment of the invention also provides a computer storage medium.

The computer storage medium stores thereon a computer program, and the computer program, when executed by a processor, implements the operations in the virtual bank account opening method provided by the above embodiments.

It is noted that, herein, relational terms such as first and second, and the like may be used solely to distinguish one entity/action/object from another entity/action/object without necessarily requiring or implying any actual such relationship or order between such entities/actions/objects; the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or system that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or system. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a process, method, article, or system that comprises the element.

For the apparatus embodiment, since it is substantially similar to the method embodiment, it is described relatively simply, and reference may be made to some descriptions of the method embodiment for relevant points. The above-described apparatus embodiments are merely illustrative, in that elements described as separate components may or may not be physically separate. Some or all of the modules can be selected according to actual needs to achieve the purpose of the scheme of the invention. One of ordinary skill in the art can understand and implement it without inventive effort.

The above-mentioned serial numbers of the embodiments of the present invention are merely for description and do not represent the merits of the embodiments.

Through the above description of the embodiments, those skilled in the art will clearly understand that the method of the above embodiments can be implemented by software plus a necessary general hardware platform, and certainly can also be implemented by hardware, but in many cases, the former is a better implementation manner. Based on such understanding, the technical solution of the present invention may be embodied in the form of a software product, which is stored in a storage medium (e.g., ROM/RAM, magnetic disk, optical disk) as described above and includes instructions for enabling a terminal device (e.g., a mobile phone, a computer, a server, an air conditioner, or a network device) to execute the method according to the embodiments of the present invention.

The above description is only a preferred embodiment of the present invention, and not intended to limit the scope of the present invention, and all modifications of equivalent structures and equivalent processes, which are made by using the contents of the present specification and the accompanying drawings, or directly or indirectly applied to other related technical fields, are included in the scope of the present invention.

Claims (10)

Translated fromChinese

1.一种虚拟银行开户方法，其特征在于，所述虚拟银行开户方法包括以下步骤：1. a virtual bank account opening method, is characterized in that, described virtual bank account opening method comprises the following steps:接收开户用户基于终端发送的开户信息，所述开户信息包含基础信息和授权信息；Receive account opening information sent by the account opening user based on the terminal, where the account opening information includes basic information and authorization information;采用预设评分卡对所述开户信息进行量化处理，生成所述开户用户的用户特征；Using a preset scorecard to quantify the account opening information to generate user characteristics of the account opening user;将所述用户特征输入预设分类模型，生成所述开户用户的分类结果，其中，所述分类结果分为低风险、潜在风险和高风险；Inputting the user characteristics into a preset classification model to generate a classification result of the account-opening user, wherein the classification result is divided into low risk, potential risk and high risk;根据所述分类结果发送对应的开户结果至所述终端，其中，所述开户结果包括允许开户、待审查和不允许开户。A corresponding account opening result is sent to the terminal according to the classification result, wherein the account opening result includes account opening allowed, pending review, and account opening not allowed.2.如权利要求1所述的虚拟银行开户方法，其特征在于，所述接收开户用户基于终端发送的开户信息，所述开户信息包含基础信息和授权信息的步骤之前，包括：2. The method for opening a virtual bank account as claimed in claim 1, characterized in that, before the step of receiving the account opening information sent by the account opening user based on the terminal, the account opening information comprises basic information and authorization information, comprising:接收用户基于所述终端发送的开户请求；receiving an account opening request sent by the user based on the terminal;根据所述开户请求确定开户类型，并返回与所述开户类型对应的开户信息采集方式至所述终端。The account opening type is determined according to the account opening request, and the account opening information collection method corresponding to the account opening type is returned to the terminal.3.如权利要求1所述的虚拟银行开户方法，其特征在于，所述接收开户用户基于终端发送的开户信息，所述开户信息包含基础信息和授权信息的步骤之前，包括：3. The method for opening a virtual bank account according to claim 1, characterized in that, before the step of receiving the account opening information sent by the account opening user based on the terminal, the account opening information comprises basic information and authorization information, comprising:对预设用户信息库中的与用户信息进行预处理，生成训练样本；Preprocess the user information in the preset user information database to generate training samples;采用所述训练样本进行模型训练，生成预设分类模型。Model training is performed using the training samples to generate a preset classification model.4.如权利要求1-3所述虚拟银行开户方法，其特征在于，所述根据所述分类结果发送对应的开户结果至所述终端的步骤之后，包括：4. The method for opening a virtual bank account according to claim 1-3, wherein after the step of sending the corresponding account opening result to the terminal according to the classification result, the method comprises:若在用户开户后检测到所述开户用户的失信行为，则将所述开户用户的开户信息加入异常信息库；If the untrustworthy behavior of the account-opening user is detected after the user opens an account, the account-opening information of the account-opening user is added to the abnormal information database;采用所述异常信息库的开户信息对所述预设分类模型进行校正训练。The preset classification model is corrected and trained by using the account opening information of the abnormal information database.5.如权利要求1所述的虚拟银行开户方法，其特征在于，所述根据所述分类结果发送对应的开户结果至所述终端的步骤，包括：5. The virtual bank account opening method according to claim 1, wherein the step of sending the corresponding account opening result to the terminal according to the classification result comprises:若所述分类结果为低风险，则发送允许开户结果至所述终端；If the classification result is low risk, send the account opening result to the terminal;若所述分类结果为潜在风险，则发送待审查结果至所述终端；If the classification result is a potential risk, send the result to be reviewed to the terminal;若所述分类结果为高风险，则发送不允许开户结果至所述终端。If the classification result is high risk, a result of not allowing account opening is sent to the terminal.6.如权利要求5所述的虚拟银行开户方法，其特征在于，所述若所述分类结果为潜在风险，则发送待审查结果至所述终端的步骤之后，包括：6. The method for opening a virtual bank account according to claim 5, wherein if the classification result is a potential risk, after the step of sending the result to be examined to the terminal, the method comprises:将所述分类结果为潜在风险的开户信息发送至客服系统，以使所述客服系统分配客服人员对所述开户信息对应的开户用户进行尽职调查生成尽职调查结果；Sending the account opening information whose classification result is a potential risk to the customer service system, so that the customer service system assigns customer service personnel to conduct due diligence on the account opening users corresponding to the account opening information to generate due diligence results;根据所述尽职调查结果重新确定开户结果并发送至所述终端。The account opening result is re-determined according to the due diligence result and sent to the terminal.7.如权利要求1所述的虚拟银行开户方法，其特征在于，所述根据所述分类结果发送对应的开户结果至所述终端的步骤之后，包括：7. The method for opening a virtual bank account according to claim 1, wherein after the step of sending the corresponding account opening result to the terminal according to the classification result, the method comprises:当用户产生交易信息时，将所述交易信息在预设区块链中进行全网广播，以使区块链中的各区块记录所述交易信息；When the user generates transaction information, the transaction information is broadcast on the entire network in the preset blockchain, so that each block in the blockchain records the transaction information;以自身区块为基准构建默克尔树；Build a Merkle tree based on its own block;在接收到用户的交易信息查询指令时，基于所述交易信息查询所述默克尔树以获取所述交易信息查询指令对应的交易信息。When receiving a user's transaction information query instruction, query the Merkle tree based on the transaction information to obtain transaction information corresponding to the transaction information query instruction.8.一种虚拟银行开户装置，其特征在于，所述虚拟银行开户装置包括：8. A virtual bank account opening device, wherein the virtual bank account opening device comprises:接收模块，用于接收开户用户基于终端发送的开户信息，所述开户信息包含基础信息和授权信息；a receiving module, configured to receive account opening information sent by the account opening user based on the terminal, where the account opening information includes basic information and authorization information;处理模块，用于采用预设评分卡对所述开户信息进行量化处理，生成所述开户用户的用户特征；a processing module, configured to perform quantitative processing on the account opening information by using a preset score card, and generate user characteristics of the account opening user;分类模块，用于将所述用户特征输入预设分类模型，生成所述开户用户的分类结果，其中，所述分类结果分为低风险、潜在风险和高风险；a classification module, configured to input the user characteristics into a preset classification model, and generate a classification result of the account-opening user, wherein the classification result is divided into low risk, potential risk and high risk;发送模块，用于根据所述分类结果发送对应的开户结果至所述终端，其中，所述开户结果包括允许开户、待审查和不允许开户。A sending module, configured to send a corresponding account opening result to the terminal according to the classification result, wherein the account opening result includes account opening allowed, pending review and account opening not allowed.9.一种虚拟银行开户设备，其特征在于，所述虚拟银行开户设备包括：存储器、处理器及存储在所述存储器上并可在所述处理器上运行的计算机程序，其中：9. A virtual bank account opening device, characterized in that the virtual bank account opening device comprises: a memory, a processor, and a computer program stored on the memory and running on the processor, wherein:所述计算机程序被所述处理器执行时实现如权利要求1至7中任一项所述的虚拟银行开户方法的步骤。The computer program, when executed by the processor, implements the steps of the virtual bank account opening method as claimed in any one of claims 1 to 7.10.一种计算机存储介质，其特征在于，所述计算机存储介质上存储有计算机程序，所述计算机程序被处理器执行时实现如权利要求1至7中任一项所述的虚拟银行开户方法的步骤。10. A computer storage medium, wherein a computer program is stored on the computer storage medium, and when the computer program is executed by a processor, the method for opening a virtual bank account according to any one of claims 1 to 7 is realized A step of.

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