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Identity authentication anti-fraud method and system based on intelligent voice

A technology of identity authentication and intelligent voice, applied in the financial field, can solve the problems of low accuracy, poor scientificity, and strong subjectivity of manual judgment, and achieve the effect of protecting property and improving accuracy

Inactive Publication Date: 2021-12-10
百融至信(北京)征信有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0005] The embodiment of the present application provides an identity authentication anti-fraud method and system based on intelligent voice, which solves the problem of relying on manual and single AI technology for identity authentication in the prior art, manual judgment is too subjective, and single AI technology confirms Technical problems with low fraud accuracy and poor scientific quality

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  • Identity authentication anti-fraud method and system based on intelligent voice
  • Identity authentication anti-fraud method and system based on intelligent voice
  • Identity authentication anti-fraud method and system based on intelligent voice

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Embodiment 1

[0027] Such as figure 1 As shown, the embodiment of the present application provides an intelligent voice-based identity authentication anti-fraud method, wherein the method includes:

[0028] S100: Based on big data and user authorization intentions, collect basic information and behavioral data of users whose identities are to be confirmed;

[0029] S200: According to the basic information and the behavior data, construct a user portrait tag set of the user whose identity is to be confirmed;

[0030]Specifically, based on big data and user authorization intentions, the basic information of the user to be confirmed is collected, such as: name, age, address, voiceprint, ID card, etc., and the collected behavior data includes normal operation behavior data (normal use of financial software, etc.) ) and abnormal operational behavior data (fraudulent behavior data, lending behavior data, untrustworthy behavior data, etc.). According to the collected basic information and the be...

Embodiment 2

[0072] Based on the same inventive concept as an intelligent voice-based identity authentication anti-fraud method in the foregoing embodiments, as Figure 7 As shown, the embodiment of the present application provides an intelligent voice-based identity authentication anti-fraud system, wherein the system includes:

[0073] The first collection unit 11, the first collection unit 11 is used to collect the basic information and behavior data of the user whose identity is to be confirmed based on the big data and the user authorization intention;

[0074] The first construction unit 12, the first construction unit 2 is used to construct the user portrait label set of the user whose identity is to be confirmed according to the basic information and the behavior data;

[0075] The second collection unit 13, the second collection unit 13 is used to collect the voice interaction call information of the user whose identity is to be confirmed based on big data;

[0076] The first obt...

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Abstract

The invention provides an identity authentication anti-fraud method and system based on intelligent voice. The method comprises the steps of: collecting basic information and behavior data of a user with a to-be-confirmed identity; constructing a user portrait label set; collecting voice interaction call information; performing question feature screening to obtain an answer question set of the user with the to-be-confirmed identity; generating a first comparison result; generating a second comparison result; judging whether the first comparison result and the second comparison result are successfully compared or not; and if the first comparison result and / or the second comparison result are / is not successfully compared, uploading call voiceprint information to a blacklist voiceprint library for voiceprint comparison and screening, and determining the actual identity information of the user with the to-be-confirmed identity. The identity authentication anti-fraud method and system solve the technical problems that in the prior art, identity authentication depends on manpower and a single AI technology, the subjectivity of manual judgment is too high, the fraud confirmation accuracy of the single AI technology is not high, and scientificity is poor.

Description

technical field [0001] The invention relates to the financial field, in particular to an identity authentication anti-fraud method and system based on intelligent voice. Background technique [0002] With the development of Internet technology, financial credit business is gradually going online, but it is also facing a huge risk of fraud, especially the fraudulent behavior of stealing other identity information for borrowing. With the development of big data, AI and other technologies, with the help of images, Voice, dialogue, and big data technologies to solve the problems of identity verification and fraud have become an important technical direction of financial technology. At present, the method of initiating identity consistency authentication to users by phone is mainly through manual customer service to ask questions or a single AI technology to identify, has obvious flaws. [0003] However, in the process of realizing the technical solution of the invention in the ...

Claims

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Application Information

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IPC IPC(8): G06Q20/40G06Q40/02
CPCG06Q20/40145G06Q40/02G06Q40/03
Inventor 冯鑫
Owner 百融至信(北京)征信有限公司
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