An identity verification method and device

Abstract

The embodiment of the invention provides an identity verification method and device. The method comprises the following steps: acquiring registration information of a to-be-tested user and behavior data of the to-be-tested user; determining a group to which the to-be-tested user belongs according to the registration information; determining the matching degree of the user to be tested and the group according to the behavior data of the user to be tested; and judging whether the to-be-tested user is consistent with the registration information according to the matching degree. The embodiment ofthe invention provides an identity verification method. The method comprises the steps of obtaining registration information of a to-be-tested user and behavior data of the to-be-tested user; a groupto which a user to be tested belongs is determined according to the registration information, the matching degree of the user to be tested and the group is determined according to the behavior data of the user to be tested, identity verification is carried out according to the matching degree, manual intervention is less, flexibility is high, labor cost is low, the coverage area is comprehensive,the extension application field is wide, and the method can be applied to multiple industries such as credit investigation, finance, e-commerce and logistics.

Description

technical field [0001] The embodiment of the present invention relates to the field of communication technologies, and in particular to an identity verification method and device. Background technique [0002] At present, applications such as credit card applications, micro-loan applications, and mobile payments often need to evaluate the user's identity based on user identity verification based on information such as the user's age, gender, home address, workplace, job type, and income. A reasonable credit line is the basis of risk management and the foundation for financial institutions to live and work. If the user's information is false, it will bring immeasurable risks to financial institutions, resulting in losses. Therefore, on the basis of the mobile phone number real-name system, it is still necessary to carry out further identity verification of the user's identity, to determine whether the mobile phone number user is consistent with the certificate registrant, wh...

AI Technical Summary

Problems solved by technology

[0007] However, using the method of manual outbound calls requires a large amount of manual work, low verification efficiency, and large errors. It is difficult to effectively identify whether the phone interviewee or the third-party real-name account holder is the owner himself. However, using third-party data matching, Biometric identification technology, because the user information database needs to be established in advance, the cost is relatively high, and the user information database relies on a third-party database, it is difficult to fully cover the identity verification, resulting in low efficiency of user identity verification

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