Intelligent credit and information authentication system and method

Abstract

The invention provides an intelligent credit and information authentication system and method, and the system comprises a video recording module which is used for obtaining image collection data collected by a user at a remote terminal through an intelligent terminal used by the user; The image recognition and analysis module is used for forming picture image data after obtaining the video image data, carrying out image recognition and analysis according to an image analysis algorithm, and carrying out text data verification through a text analysis algorithm after image verification is passed;The voice guiding module is used for guiding the user to operate a corresponding recognition and authentication process through voice, reminding the user by using the synthesized voice and entering an authorization page according to a safety recognition and authentication condition; The anti-fraud module is used for identifying whether the user identity information is user identity information ornot; And when the user uses other people screenshot data or the image data subjected to image modification for identity authentication, the image recognition and analysis module judges whether the user is a fraudulent behavior or not, and transmits the fraudulent behavior to the remote terminal to record the information authentication operation.

Description

technical field [0001] The invention relates to the field of computer security control, in particular to an intelligent credit and information authentication system and its method. Background technique [0002] Personal credit and information certification are very important in the pre-loan approval process in the field of Internet financial risk control, and are an effective means to prevent users from forging personal information and personal credit certification materials for malicious fraud. At present, in addition to individuals providing ID cards, income certificates and other materials, credit information on third-party platforms is also a valid proof for their loan applications, such as Alipay's Sesame Credit Score, WeChat's WeChat Loan Line, etc. Financial institutions can rely on their credit scores and other information to determine the loan amount. [0003] Existing credit information authentication methods mainly include personal authorization of mobile phone ap...

AI Technical Summary

Problems solved by technology

[0004] However, for the first method, due to the binding of the address of the personal mobile phone device, the organization cannot use the account password of the personal mobile application software on other machines to query in batches, and requires the user to directly provide the account password, and the user also has certain security concerns;

[0005] For the second method, screenshots of mobile application software provided by individuals often have fraudulent behaviors such as using image editing software to modify their credit scores and personal identity information, resulting in unreliable information and easy data falsification.

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