Credit account creation devices, systems and methods

Embodiment of the present invention discloses a kind of credit account devices, systems and methods create, belongs to technical field of data processing systems. The system comprising: a client configured to acquire user information real name, and forwards the second server by the first server; a second server, for detecting whether the user credit account information corresponding to the real name already exists, and the situation in the absence the server sends to the first indication information; a second server, configured to send an instruction for instructing binding acquires resource savings account to the account information of the client; the first server is further configured to exchange an electronic account in the account and the opening of the electronic exchange resource savings accounts bind and bind the result to a second server, create a virtual trigger their credit accounts. The invention solves the related credit account creation process long and inefficient program of existence; reached shorten the process and improve the efficiency of the effect.