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Automobile financial invoice information verification method and device

An automobile and invoice technology, applied in the field of auto finance invoice information verification, can solve the problems of low approval efficiency, high cost, and low loan approval efficiency, and achieve the effect of improving loan approval efficiency, improving loan experience, and reducing auto credit risk.

Active Publication Date: 2021-08-06
CCB FINTECH CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

The invoice verification method of auto finance is relatively traditional. Generally, after the customer purchases the car, the invoice and other materials are submitted to the auto financial institution for manual offline review. The offline manual inspection method has a large workload, low approval efficiency, high cost, and The rules for passing invoice information verification are not clear enough, and there are problems such as low loan approval efficiency and credit risk

Method used

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  • Automobile financial invoice information verification method and device
  • Automobile financial invoice information verification method and device
  • Automobile financial invoice information verification method and device

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Embodiment Construction

[0095] Exemplary embodiments of the present invention are described below in conjunction with the accompanying drawings, which include various details of the embodiments of the present invention to facilitate understanding, and they should be regarded as exemplary only. Accordingly, those of ordinary skill in the art will recognize that various changes and modifications of the embodiments described herein can be made without departing from the scope and spirit of the invention. Also, descriptions of well-known functions and constructions are omitted in the following description for clarity and conciseness.

[0096] The terms involved in the embodiments of the present invention are explained below.

[0097] Auto finance: Auto finance is a major form of consumption for modern car purchases. It refers to loans issued by lenders to borrowers for the purchase of cars (including used cars), including personal auto loans, dealer auto loans, and institutional auto loans. loan.

[00...

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Abstract

The invention discloses an automobile financial invoice information verification method and device and relates to the technical field of automatic program design. The method comprises steps of obtaining a to-be-verified automobile financial invoice and the order information corresponding to the to-be-verified automobile financial invoice; identifying the information on the to-be-verified automobile financial invoice by using an optical character identification method to obtain related transaction elements; and verifying the order information according to a preset verification rule and the related transaction elements to obtain a verification result. According to the implementation mode, the invoice information is identified in a whole-process online OCR mode, so loan auditing efficiency in the loan process can be effectively improved, and loan experience of a user is improved; invoice verification rules are configured and managed in a parameterization design mode, the quota standard of each customer is customized more conveniently and flexibly, and a more convenient method is provided for future business demand adjustment.

Description

technical field [0001] The invention relates to the technical field of automatic program design, in particular to a method for verifying information on auto financial invoices. Background technique [0002] In recent years, with the rapid development of society and rapid economic growth, various financial needs have emerged with each passing day. Auto finance is a major form of consumption for modern car purchases. It refers to the loans issued by lenders to borrowers for the purchase of cars (including second-hand cars). The invoice verification method of auto finance is relatively traditional. Generally, after the customer purchases the car, the invoice and other materials are submitted to the auto financial institution for manual offline review. The offline manual inspection method has a large workload, low approval efficiency, high cost, and The rules for passing invoice information verification are not clear enough, and there are problems such as low loan approval effi...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G07D7/20G06K9/34G06Q40/02
CPCG07D7/20G06V30/153G06Q40/03
Inventor 黄芝龙赵裕才曾欣
Owner CCB FINTECH CO LTD
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