An offline verification method for due diligence in bank account opening

Abstract

The present invention provides an offline verification method for due diligence in bank account opening, comprising: generating a verification task based on basic information and associating it with an executor; when executing the verification task, tracking the execution trajectory and collecting photos of the business location of the enterprise to obtain verification information; after completing the verification task, verifying the executor, execution location and execution time of the verification information; and issuing an early warning when the verification fails. This method ensures the authenticity of the verification and collection process through the application of trajectory tracking technology on the Internet, and verifies the rationality of the collected data, promptly discovers problems with the photos, and infers the risks of user account opening. This method can assist banks in monitoring the authenticity, effectiveness, and integrity of the business address verification process of enterprises, improve service efficiency, and assist banks in promptly discovering possible risk issues in corporate accounts, doing a good job in risk prevention and control, and resolving financial risks.

Description

Technical Field

[0001] The present invention belongs to the field of software application technology, and specifically relates to an offline verification method for due diligence on bank account opening. Background Art

[0002] Due diligence for corporate account opening involves a series of investigations and audits conducted by banks and other financial institutions when opening an account for a business. The goal is to understand the company's basic situation, operating conditions, management level, and credit standing, ensuring that the business meets account opening requirements. A key step is for the bank to confirm that the company's registered address is its actual business address. Bank staff will visit the address listed on the company's license to verify the company's actual business address and whether the location is suitable for an office setting. Typically, bank staff or a third-party agent will take photos of the location as proof of account opening. Currently, these photos are typically taken using dedicated equipment or a mobile phone, and then printed or uploaded to the system for storage.

[0003] While existing technologies have some applications for offline data collection, they lack methods that can meet the verification requirements of banks. For example, while internet applications have some tracking capabilities, such as mapping and time-point recording, these only verify the data collection process and ensure the correct execution of the data collector. They cannot verify the authenticity of the data collection results, which is required by banks. Summary of the Invention

[0004] In response to the defects in the existing technology, the present invention provides an offline verification method for bank account opening due diligence, which can verify the authenticity of the collected results and strengthen bank risk prevention and control.

[0005] An offline verification method for due diligence in bank account opening, comprising:

[0006] Generate verification tasks based on basic information and associate them with executors;

[0007] When performing verification tasks, track the execution trajectory and collect photos of the business location to obtain verification information;

[0008] After completing the verification task, the verification information is verified by the executor, execution location, and execution time;

[0009] When the verification fails, an early warning is issued.

[0010] Furthermore, verification tasks are generated based on the basic information and associated with executors, specifically including:

[0011] Obtain basic information; basic information includes verification of location and company information;

[0012] Generate verification tasks based on basic information;

[0013] After the verification task is received by the executor, the verification task, the executor, and the execution device will be associated; the execution device will be held by the executor.

[0014] Furthermore, tracking the execution trajectory specifically includes:

[0015] When starting the verification mission, collect the latitude and longitude coordinates of the execution equipment;

[0016] When the deviation between the latitude and longitude coordinates and the verification location is less than the preset value, the verification task is successfully checked in;

[0017] After verifying that the task is successfully clocked in, the longitude and latitude coordinates of the executing device are recorded regularly to obtain the trajectory.

[0018] Furthermore, the collection of photos of business locations of enterprises specifically includes:

[0019] Collect photos and record the location and time of collection;

[0020] When the photo contains the collector and the corporate legal person, and the collector is the executor, a digital watermark is generated based on the collector, collection device, collection location and collection time;

[0021] Add digital watermarks to photos to get photos of business locations.

[0022] Furthermore, verification of the executor of the verification information specifically includes:

[0023] Analyze the collected data of photos of business locations; the collected data includes the user account and mobile phone number of the collector and the serial number of the collection device;

[0024] Use the user account and mobile phone number to determine whether the collector and executor are the same, and use the serial number of the collection device to determine whether the collection device and the execution device are the same;

[0025] When the collector and the executor are inconsistent, or the collection device and the execution device are inconsistent, the risk score is determined.

[0026] Furthermore, performing location verification on the verification information specifically includes:

[0027] Analyze the collection location of photos of business locations;

[0028] Calculate the distance between photos of each business location to obtain the adjacent distance;

[0029] Calculate the deviation between the acquisition position and the preset position to obtain the acquisition deviation distance;

[0030] The risk score is determined based on the adjacent distance and the collection deviation distance.

[0031] Furthermore, the execution time verification of the verification information specifically includes:

[0032] Analyze the collection time of photos of business locations;

[0033] Calculate the time difference between the photos of each business location to obtain the adjacent time intervals;

[0034] Determine whether the time of collecting the photos of the business location of the enterprise is during normal working hours to obtain a time judgment result;

[0035] The risk score is determined based on adjacent time intervals and time judgment results.

[0036] Furthermore, after completing the verification task, it also includes:

[0037] Calculate the distance between photos of business locations with the same scene to obtain the same scene distance;

[0038] Determine the risk score based on the same scenario distance;

[0039] When it is detected that the photo of the business location of a business is suspected to be fake, a risk score is determined.

[0040] Furthermore, it also includes:

[0041] Collect photos of the company's business license;

[0042] Compare the information on the business license photo with the company information;

[0043] Compare the verified information with the company’s historical data;

[0044] Determine the risk score based on the comparison results;

[0045] Obtain statistical data from the industry to which the enterprise belongs and verify the rationality of the information based on statistical analysis;

[0046] Determine the risk score based on reasonableness.

[0047] Furthermore, when the verification fails, the warning includes:

[0048] Set multiple risk levels and corresponding disposal strategies;

[0049] Accumulate all risk scores of verified information in the enterprise and determine the enterprise's risk level based on the accumulated results;

[0050] Output corresponding disposal strategies based on risk levels and issue early warnings.

[0051] As can be seen from the above technical solution, the offline verification method for bank account opening due diligence provided by this invention uses internet-based tracking technology to ensure the authenticity of the collection process and verify the rationality of the collected data, promptly identifying issues with photos and inferring risks associated with user account opening. This method can assist banks in monitoring the authenticity, validity, and completeness of the business address verification process, improving service efficiency. It can also assist banks in promptly identifying potential risks in corporate accounts, effectively implementing risk prevention and control measures, and mitigating financial risks. BRIEF DESCRIPTION OF THE DRAWINGS

[0052] To more clearly illustrate the specific embodiments of the present invention or the technical solutions in the prior art, the following briefly describes the drawings required for the specific embodiments or the description of the prior art. Similar elements or parts are generally identified by similar reference numerals throughout the drawings. Elements or parts in the drawings are not necessarily drawn to scale.

[0053] Figure 1 A flow chart of the method provided in the embodiment.

[0054] Figure 2 A schematic diagram of an implementation scheme provided for an example.

[0055] Figure 3 Flowchart of the verification method for verifying information. DETAILED DESCRIPTION

[0056] The following embodiments of the technical solution of the present invention are described in detail with reference to the accompanying drawings. The following embodiments are only used to more clearly illustrate the technical solution of the present invention and are therefore only examples and are not intended to limit the scope of protection of the present invention. It should be noted that, unless otherwise specified, the technical terms or scientific terms used in this application should have the common meanings understood by those skilled in the art to which the present invention belongs.

[0057] It will be understood that when used in this specification and the appended claims, the terms “comprises” and “comprising” indicate the presence of described features, integers, steps, operations, elements and / or components, but do not preclude the presence or addition of one or more other features, integers, steps, operations, elements, components and / or groups thereof.

[0058] It should also be understood that the terminology used in this specification is for the purpose of describing particular embodiments only and is not intended to limit the present invention. As used in the specification and appended claims, the singular forms "a," "an," and "the" are intended to include the plural forms unless the context clearly indicates otherwise.

[0059] As used in this specification and the appended claims, the term "if" can be interpreted as "when" or "upon" or "in response to determining" or "in response to detecting," depending on the context. Similarly, the phrase "if it is determined" or "if [described condition or event] is detected" can be interpreted as meaning "upon determination" or "in response to determining" or "upon detection of [described condition or event]" or "in response to detecting [described condition or event]," depending on the context.

[0060] Example:

[0061] An offline verification method for due diligence in bank account opening, comprising:

[0062] Generate verification tasks based on basic information and associate them with executors;

[0063] When performing verification tasks, track the execution trajectory and collect photos of the business location to obtain verification information;

[0064] After completing the verification task, the verification information is verified by the executor, execution location, and execution time;

[0065] When the verification fails, an early warning is issued.

[0066] In this embodiment, the method includes three main steps: process verification, result verification, and comprehensive early warning. These three main steps ensure the authenticity and legitimacy of the verification location, verification time, executor, and verification enterprise. Process verification verifies the legitimacy of the executor, execution equipment, and trajectory. Process verification constrains and controls each verification node, verifying the authenticity of the verification task through information such as location, time, photos, and operational actions. Result verification is mainly divided into photo analysis, identification data analysis, and rationality analysis. Photo analysis primarily analyzes metadata in photos to ensure the accuracy of personnel, time, and location. Result verification also includes classification and analysis of past data based on big data, comparing the shooting location and time recorded during the collection process. If any anomalies are found, trajectory and path analysis are performed. If rationality cannot be determined, risk points are recorded. Finally, the verification data is uploaded, and early warnings are issued if any anomalies are found.

[0067] This method, applied to offline due diligence verification for bank account openings, uses internet-based tracking technology to ensure the authenticity of the collection process and verify the rationality of the collected data, promptly identifying issues with photos and inferring risks associated with user account openings. This method can assist banks in monitoring the authenticity, validity, and completeness of the business address verification process, improving service efficiency and enabling them to promptly identify potential risks in corporate accounts, effectively prevent and control risks, and mitigate financial risks.

[0068] Furthermore, in some embodiments, generating a verification task based on basic information and associating it with an executor specifically includes:

[0069] Obtain basic information; basic information includes verification of location and company information;

[0070] Generate verification tasks based on basic information;

[0071] After the verification task is received by the executor, the verification task, the executor, and the execution device will be associated; the execution device will be held by the executor.

[0072] In this embodiment, the verification location can be the business location of the enterprise. This method allows the user to enter basic information or read basic information from an external system, including the verification location and enterprise information. The method can also use a map tool to obtain the location of the verification location and generate a verification task based on the location. After generating the verification task, this method can assign the verification task to a specific executor or allow the executor to independently take the order. Once the verification task is received by the executor, the verification task, executor, and execution device are linked, ensuring that the verification task can only be performed by a dedicated person.

[0073] Furthermore, in some embodiments, tracking the execution trajectory specifically includes:

[0074] When starting the verification mission, collect the latitude and longitude coordinates of the execution equipment;

[0075] When the deviation between the latitude and longitude coordinates and the verification location is less than the preset value, the verification task is successfully checked in;

[0076] After verifying that the task is successfully clocked in, the longitude and latitude coordinates of the executing device are recorded regularly to obtain the trajectory.

[0077] In this embodiment, when the executor first arrives at the verification location for the verification task, they begin clocking in. First, the latitude and longitude coordinates of the clocking-in location are collected and compared with the verification location in the verification task. The straight-line distance between the clocking-in location and the verification location is constrained to prevent excessive deviation between the two locations. When the deviation between the longitude and latitude coordinates and the verification location is less than a preset value, the verification task is successfully clocked in. The preset value can be set by the user. After the verification task is successfully clocked in, the verification task begins tracking the execution path, regularly recording the longitude and latitude coordinates of the executing device to obtain a trajectory. This allows for later analysis of the trajectory's route and duration to determine any deviations.

[0078] Furthermore, in some embodiments, collecting photos of the business location of the enterprise specifically includes:

[0079] Collect photos and record the location and time of collection;

[0080] When the photo contains the collector and the corporate legal person, and the collector is the executor, a digital watermark is generated based on the collector, collection device, collection location and collection time;

[0081] Add digital watermarks to photos to get photos of business locations.

[0082] In this embodiment, the method can collect photos of the surrounding environment at the check-in location when checking in, such as collecting photos containing street signs, building exteriors, factory gates, etc. with specific marking information (house numbers, road signs, gate OGO, etc.) to verify the authenticity of the location.

[0083] In this embodiment, the method requires collecting multiple photos of business locations when performing verification tasks. The method stops tracking while collecting photos. While collecting photos, the location and time of collection are recorded. The method identifies faces in the photos. If the identified face is that of an executor and the photo includes the legal representative of the business, the photo meets the requirements for collecting photos of business locations. A digital watermark is then generated based on the collector, device, location, and time of collection, ensuring that the photo cannot be tampered with or replaced.

[0084] Furthermore, in some embodiments, verifying the executor of the verification information specifically includes:

[0085] Analyze the collected data of photos of business locations; the collected data includes the user account and mobile phone number of the collector and the serial number of the collection device;

[0086] Use the user account and mobile phone number to determine whether the collector and executor are the same, and use the serial number of the collection device to determine whether the collection device and the execution device are the same;

[0087] When the collector and the executor are inconsistent, or the collection equipment and the execution equipment are inconsistent, the risk score is determined.

[0088] In this embodiment, the method verifies the executor of the verification information, which is essentially to verify the rationality of the person who collected the photo. First, the user account, mobile phone number, and serial number (IMEI code) of the photo of the business location of the enterprise are parsed. The user account and mobile phone number are used to determine whether the collector and the executor are consistent, and the serial number of the collection device is used to determine whether the collection device and the execution device are consistent. If the collector and the executor are consistent, it means that the collector and the executor are the same person, which ensures that the verification task is performed by the executor himself. If the collection device and the execution device are consistent, it ensures that the verification task is performed by the execution device held by the executor. If the collector and the executor are inconsistent, or the collection device and the execution device are inconsistent, it is considered that there is a risk and the risk score is determined.

[0089] Furthermore, in some embodiments, performing location verification on the verification information specifically includes:

[0090] Analyze the collection location of photos of business locations;

[0091] Calculate the distance between photos of each business location to obtain the adjacent distance;

[0092] Calculate the deviation between the acquisition position and the preset position to obtain the acquisition deviation distance;

[0093] The risk score is determined based on the adjacent distance and the collection deviation distance.

[0094] In this embodiment, the method verifies the execution location of the verification information, essentially verifying the legitimacy of the photo collection location. The method automatically compares the longitude and latitude coordinates of each business location photo to determine the distance between them. It also calculates the deviation between the collection location and the preset location, and determines a risk score based on the adjacent distance and the collection deviation distance. For example, a deviation exceeding 100 meters is recorded as medium risk, and 300 meters is recorded as high risk. When the executor is in a remote area, the collected longitude and latitude coordinates may have large deviations due to poor signal conditions in remote areas. Therefore, the method can also correct the deviation of the collected longitude and latitude coordinates, for example, by retrieving the longitude and latitude coordinates from the backend.

[0095] Furthermore, in some embodiments, performing execution time verification on the verification information specifically includes:

[0096] Analyze the collection time of photos of business locations;

[0097] Calculate the time difference between the photos of each business location to obtain the adjacent time intervals;

[0098] Determine whether the time of collecting the photos of the business location of the enterprise is during normal working hours to obtain a time judgment result;

[0099] The risk score is determined based on adjacent time intervals and time judgment results.

[0100] In this embodiment, the method verifies the execution time of the verification information, which is essentially to verify the rationality of the photo collection time. First, the time difference between the photos of each business location is calculated, and the risk score is determined based on the time difference. For example, if the verification location is an office building, the time interval between the photos of each area (such as streets, buildings, gates, offices, etc.) cannot exceed 10 minutes, and the time interval between the photos of each certificate (such as business license, identity card, company articles of association, etc.) cannot exceed 10 minutes, etc. For example, it can be defined that if the adjacent time interval exceeds 5 minutes, it is recorded as low risk, if it exceeds 10 minutes, it is recorded as medium risk, and if it exceeds 20 minutes, it is recorded as high risk. The method also determines whether the collection time of the photos of the business location of the enterprise is during normal working hours. If it is not during normal working hours, the risk score is recorded.

[0101] In this embodiment, when verifying the trajectory in the verification information, the method can obtain the distance and time interval between the check-in location and the house number, gate, office, etc. If the time exceeds 5 minutes or the distance exceeds 200 meters, the map tool is called to calculate the distance and time between the two points. The method compares the calculation results of the map tool with the calculation results of the photo to analyze whether the trajectory and time are reasonable.

[0102] Furthermore, in some embodiments, after the verification task is performed, the method further includes:

[0103] Calculate the distance between photos of business locations with the same scene to obtain the same scene distance;

[0104] Determine the risk score based on the same scenario distance;

[0105] When it is detected that the photo of the business location of a business is suspected to be fake, a risk score is determined.

[0106] In this embodiment, the method can also perform photo deviation analysis. For any two business location photos from the same batch, if the difference in the collection location distance between them is ≥ X meters, a risk score is determined. If a company has multiple offices, the distance between the two furthest-distance business location photos can also be calculated to determine the risk score. If the distance between photos of the same scene exceeds 50 meters, the risk is low; if it exceeds 100 meters, the risk is medium; and if it exceeds 200 meters, the risk is high. If a business location photo is suspected of being fake, a risk score is determined.

[0107] In this embodiment, the method can also analyze big data to calculate arrival times for different types of enterprises and areas, which can be used to analyze the rationality of the time spent on photo collection locations. For example, for verification locations such as large factories and mines, logistics warehouses, suburban areas, and rural areas, the distance between the clock-in location and the actual office location is relatively large, for example, greater than 500 meters, and the arrival time is within 20 minutes. In contrast, for urban office buildings, the distance between the clock-in location and the actual office location is smaller or even non-existent, for example, the distance deviation is within 50 meters, and the arrival time is within 10 minutes.

[0108] Furthermore, in some embodiments, the method further includes:

[0109] Collect photos of the company's business license;

[0110] Compare the information on the business license photo with the company information;

[0111] Compare the verified information with the company’s historical data;

[0112] Determine the risk score based on the comparison results;

[0113] Obtain statistical data from the industry to which the enterprise belongs and verify the rationality of the information based on statistical analysis;

[0114] Determine the risk score based on reasonableness.

[0115] In this embodiment, the method can use technologies such as OCR and image content comparison to identify and compare the collected photos, and check them with industrial and commercial information to check whether there are any deviations. For example, the method uses OCR technology to capture the information of the business license photo (including the company name, legal person name, location, contact number, etc.), compare the information with the company information, and determine whether the information is deviated. If there is a deviation, the risk score is determined. The method can also calculate the similarity between the data that has been verified in the past or the second on-site verification and the historical data of the company. If the similarity is too low or the similarity = 100%, the risk score is determined. If the similarity of the same scene is less than 30% or equal to 100%, it is recorded as high risk. If it is less than 40%, it is recorded as medium risk, and if it is less than 60%, it is recorded as low risk.

[0116] In this embodiment, the method can classify enterprise information according to the industry and scale of the enterprise, collect statistical data of business premises of different classifications, verify the rationality of the information, and record risks if the deviation is too large.

[0117] Furthermore, in some embodiments, when the verification fails, issuing an early warning specifically includes:

[0118] Set multiple risk levels and corresponding disposal strategies;

[0119] Accumulate all risk scores of verified information in the enterprise and determine the enterprise's risk level based on the accumulated results;

[0120] Output corresponding disposal strategies based on risk levels and issue early warnings.

[0121] In this embodiment, the method first establishes a risk matrix, which includes risk levels in various situations, risk scores corresponding to each risk level, and disposal strategies. The risk matrix is ​​shown in the following table:

[0122]

[0123]

[0124] Risk levels can be assessed by accumulating risk scores. Each time a risk is triggered, the corresponding risk score is accumulated. Once the threshold is reached, the risk level is determined or adjusted. Finally, the corresponding disposal strategy is output based on the risk level, and an early warning is issued.

[0125] Finally, it should be noted that the above embodiments are only used to illustrate the technical solutions of the present invention, rather than to limit it. Although the present invention has been described in detail with reference to the above embodiments, those skilled in the art should understand that they can still modify the technical solutions described in the above embodiments, or make equivalent replacements for some or all of the technical features therein. These modifications or replacements do not deviate the essence of the corresponding technical solutions from the scope of the technical solutions of the embodiments of the present invention, and they should all be included in the scope of the claims and description of the present invention.

Claims

1. A method for offline due diligence verification of bank account opening, characterized in that: include: Generate verification tasks based on basic information and associate them with executors; When performing the verification task, the execution trajectory is tracked and photos of the business location are collected to obtain verification information; After the verification task is completed, the verification information is verified by the executor, execution location and execution time; When the verification fails, an early warning is issued; Generating a verification task based on basic information and associating it with an executor specifically includes: obtaining basic information; the basic information includes verification location and company information; generating a verification task based on the basic information; after the executor receives the verification task, associating the verification task, the executor, and an execution device; and the execution device is held by the executor; The tracking of the execution trajectory specifically includes: when the verification task begins to be executed, collecting the longitude and latitude coordinates of the execution device; when the deviation between the longitude and latitude coordinates and the verification location is less than a preset value, the verification task is successfully clocked in; after the verification task is successfully clocked in, regularly recording the longitude and latitude coordinates of the execution device to obtain the trajectory; The collecting of the enterprise business location photo specifically includes: collecting the photo and recording the collecting device, collecting location, and collecting time; when the photo includes a collector and the corporate legal person, and the collector is the executor, generating a digital watermark based on the collector, the collecting device, the collecting location, and the collecting time; and adding the digital watermark to the photo to obtain the enterprise business location photo; Performing location verification on the verification information specifically includes: parsing the collection location of the business location photo; calculating the distance between each business location photo to obtain the adjacent distance; calculating the deviation between the collection location and the preset location to obtain the collection deviation distance; determining the risk score based on the adjacent distance and the collection deviation distance.

2. The offline verification method for bank account opening due diligence according to claim 1 is characterized in that: Verification of the executor of the verification information specifically includes: Parsing the collected data of the business location photo; the collected data includes the user account and mobile phone number of the collector, and the serial number of the collection device; Determine whether the collector is the same as the executor by using the user account and mobile phone number, and determine whether the collection device is the same as the execution device by using the serial number of the collection device; When the collector and the executor are inconsistent or the collection device and the execution device are inconsistent, a risk score is determined.

3. The offline verification method for bank account opening due diligence according to claim 1 is characterized in that: The execution time verification of the verification information specifically includes: Analyzing the collection time of the photo of the business location; Calculating the time difference between the photos of the business locations of the enterprises to obtain adjacent time intervals; Determine whether the time of collecting the photo of the business location of the enterprise is during normal working hours to obtain a time determination result; A risk score is determined according to the adjacent time intervals and the time judgment result.

4. The offline verification method for bank account opening due diligence according to claim 1 is characterized in that: After completing the verification task, it also includes: Calculating the distance between the photos of the business locations of the enterprises with the same scene to obtain the same scene distance; Determining a risk score based on the same scene distance; When it is detected that the photo of the business location of the enterprise is suspected to be forged, a risk score is determined.

5. The offline verification method for bank account opening due diligence according to claim 1 is characterized in that: Also includes: Collect photos of the company's business license; Comparing the information on the business license photo with the company information; Comparing the verified information with the company's historical data; Determine the risk score based on the comparison results; Obtain statistical data on the industry to which the enterprise belongs, and analyze the rationality of the verified information based on the statistical data; A risk score is determined based on the rationality.

6. The offline verification method for bank account opening due diligence according to any one of claims 1 to 5, characterized in that: When the verification fails, the warning specifically includes: Set multiple risk levels and corresponding disposal strategies; Accumulate all risk scores of the verified information in the enterprise and determine the enterprise's risk level based on the accumulated results; Output the corresponding disposal strategy according to the risk level and issue an early warning.

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