Internet bank self-service registration system and method

Abstract

The invention provides an Internet bank self-service registration system and method. The system comprises a user level detection module, a user level logic processing module and a plurality of different user level service function management modules. The user level detection module is used for identifying the current real-name level of the user according to the user identity information, and determining a target real-name level of the user according to the current real-name level and the user request; the user level logic processing module is used for upgrading the current real-name level of the user to the target real-name level according to the authentication information required by the target real-name level submitted by the user to obtain an upgrading result; and the user level business function management modules are used for configuring a banking business function corresponding to the target real-name level of the user when the upgrading result is that upgrading succeeds. According to the invention, Internet bank self-service registration can be carried out according to actual demands of users.

Description

technical field [0001] The invention relates to the technical field of Internet banking, in particular to an Internet banking self-service registration system and method. Background technique [0002] With the popularization of Internet banking technology, users are increasingly dependent on the functions of Internet banking channels, which invisibly drives the account opening transaction volume at the counters of banking institutions. In order to alleviate the congestion of counter transactions caused by large-scale transactions, and from From the perspective of improving user experience, various banking institutions have launched the self-registration function of Internet banking, so that users can complete the account opening business of Internet banking through Internet channels. However, opening an Internet bank account involves user funds, information security, and external regulatory requirements. Therefore, banking institutions have very strict requirements on the se...

AI Technical Summary

Problems solved by technology

However, opening an Internet bank account involves user funds, information security, and external regulatory requirements. Therefore, banking institutions have very strict requirements on the self-registration process. From a new user to successful account opening, mobile phone transaction code verification, bank card verification, and ID card verification are required. , living body authentication and online verification, the process is very complicated and time-consuming, especially live body detection and online verification, which have high requirements on the network environment. If the user's network environment is poor, there is a certain probability of failure, and the user cannot use the Internet bank All functions in

But in fact, different users may not need to use all the functions in the Internet bank, so that it is not necessary to complete all the above registration processes when registering. Therefore, the above automatic registration process has caused inconvenience to users.

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