Identity Authentication Method, Identity Authentication System, and Readable Storage Medium

Abstract

An embodiment of the present invention provides an identity authentication method, an identity authentication system, and a readable storage medium. Among them, the identity authentication method, which is used for a first electronic device, includes: sending identity information to be verified and service information to a server for the server to perform identity authentication; receiving the identity authentication result sent by the server; and determining a processing mode for a corresponding service scenario according to the identity authentication result. By sending the identity information to be verified and the service information to the server, and having the server perform identity authentication according to multiple identity authentication service providers configured by itself, it is not necessary to sign cooperation agreements with identity authentication service providers by itself, and thus multiple identity authentication methods provided by multiple identity authentication service providers can be used. Furthermore, it realizes the ability to flexibly select multiple service providers and multiple identity authentication methods provided by multiple service providers, improving the diversity of identity authentication methods and the accuracy of identity authentication.

Description

Technical Field

[0001] The present invention relates to the field of identity authentication, and in particular, to an identity authentication method, an identity authentication system, and a readable storage medium. Background Art

[0002] With the rapid development of information technology, technology sharing and information sharing based on the Internet have penetrated into all aspects of social life. While it brings convenience to people, security issues such as information security in the Internet environment have also attracted more and more attention.

[0003] In the information world in the network environment, identity is a kind of identifier that differentiates an individual from others. The purpose of identity authentication is to authenticate the true identity of the other end in communication, determine whether the other party's identity is true or legal, and prevent situations such as forgery and impersonation. Using online identity authentication tools plays an important role in ensuring that information is only accessible to legitimate authorized persons. Therefore, establishing a strong identity authentication mechanism has become one of the keys to ensuring information security in the Internet environment.

[0004] There are many online identity authentication methods in the related art. Since the cost of frequently changing the authentication method is very high, considering the docking efficiency and authentication cost, insurance companies generally choose a technology service provider to ensure communication. As a result, the identity authentication methods available to insurance companies are single, which may cause them to miss better solutions or lower prices from other suppliers in the market, and there is also a problem that the identity authentication method has a low degree of correlation with the business. Summary of the Invention

[0005] The present invention aims to solve at least one of the technical problems existing in the prior art or related art.

[0006] To this end, the first aspect of the embodiments of the present invention is to propose an identity authentication method for a first electronic device.

[0007] The second aspect of the embodiments of the present invention is to propose an identity authentication method for a server.

[0008] The third aspect of the embodiments of the present invention is to propose an identity authentication system.

[0009] The fourth aspect of the embodiments of the present invention is to propose a readable storage medium.

[0010] In view of this, according to the first aspect of the embodiments of the present invention, an identity authentication method for a first electronic device is proposed, including: sending identity information to be verified and service information to a server for the server to perform identity authentication; receiving the identity authentication result sent by the server; and determining a processing mode for the corresponding service scenario according to the identity authentication result.

[0011] The identity authentication method for a first electronic device provided by an embodiment of the present invention is such that the first electronic device sends identity information to be verified and service information to a server, and the server performs identity authentication and determines a processing mode for a corresponding service scenario according to the identity authentication result returned by the server. By sending the identity information to be verified and the service information to the server, and the server performs identity authentication according to multiple identity authentication service providers configured by itself, it is not necessary to sign a cooperation agreement with the identity authentication service providers by itself, and thus multiple identity authentication methods provided by multiple identity authentication service providers can be used. Furthermore, it is possible to flexibly select multiple service providers and multiple identity authentication methods provided by multiple service providers, improving the diversity of identity authentication methods and the accuracy of identity authentication. In addition, since the identity authentication server provider can be changed at zero cost, the decision-making difficulty of changing the identity authentication service provider is reduced, and thus it is possible to flexibly adjust and match the most suitable identity authentication method according to different service scenarios or rules, improving the relevance between the identity authentication method and the service scenario. And the identity authentication server provider can be changed at any time according to the market situation to select a provider in the market that can provide a better solution or a lower price, reducing the cost of identity authentication and improving the accuracy of identity authentication. Further, since the service information is sent to the server and the server matches a suitable identity authentication method according to the service information, the configuration of the identity authentication method according to different service requirements is realized, improving the matching degree of the identity authentication method and the accuracy of identity authentication.

[0012] The identity authentication method provided by an embodiment of the present invention realizes the configuration of the identity authentication method according to service requirements by integrating multiple identity authentication methods provided by multiple identity authentication service providers on the server, and the identity authentication service provider can be switched at any time according to cost requirements and identity authentication accuracy requirements, improving the flexibility and diversity of identity authentication.

[0013] The identity authentication method provided by an embodiment of the present invention realizes the automatic configuration of the identity authentication method according to service information through interaction with the server, provides an intelligent configuration service, reduces manual intervention, has high efficiency and high identity authentication accuracy.

[0014] In addition, according to the identity authentication method for a first electronic device in the above technical solution provided by the present invention, the following additional technical features may further be included:

[0015] In the above technical solution, the identity authentication method further includes: receiving identity authentication exception information sent by the server; and determining a processing mode for the identity authentication service corresponding to the identity authentication exception information according to the identity authentication exception information.

[0016] In this technical solution, when the first electronic device receives the identity authentication exception information sent by the server, that is, when the identity authentication result of the identity information to be verified is unqualified, the processing mode of the identity authentication service corresponding to the identity authentication exception information is determined according to the identity authentication exception information. Specifically, the processing mode of the identity authentication service includes any one of all termination, authentication failure, and release after allowing manual intervention. By receiving the identity authentication exception information sent by the server and performing manual review, it is possible to effectively control the quantity of identity information to be verified with unqualified identity authentication, reduce the unqualified rate, and avoid misjudgment during the identity authentication process.

[0017] In any of the above technical solutions, the identity authentication method further includes: obtaining the configuration rule of the service information and the identity authentication method; sending the configuration rule to the server for the server to match the identity authentication method for the service information.

[0018] Specifically, the service information includes one or more of commodity type information, contract clause information, sales channel information, supplier category information, insured amount information, premium information, policyholder characteristic information, insured characteristic information, and identity authentication fee information.

[0019] In this embodiment, the configuration rule of the service information and the identity authentication method is set by the user, and the first electronic device sends the configuration rule set by the user to the server, and the server matches a suitable identity authentication method for the service information according to the configuration rule. By sending the configuration rule from the first electronic device to the server, the user can independently select the conditions for triggering the identity authentication method, improving the accuracy of matching the identity authentication method for the service information. Specifically, the user can independently select one of the above service information according to the specific service scenario to confirm the identity authentication method, providing flexibility and relevance in the selection of the identity authentication method.

[0020] Furthermore, in this embodiment, the first electronic device includes a visual operation interface, and a switching switch is set on the visual operation interface. The identity authentication method further includes matching the identity authentication method for the service information in a manual matching mode or an automatic matching mode. The user can switch between the manual matching mode and the automatic matching mode for identity authentication method matching at any time through the switching switch.

[0021] According to the second aspect of the embodiment of the present invention, the present invention provides an identity authentication method for a server, including: obtaining the identity information to be verified and service information sent by the first electronic device; determining at least one identity authentication method according to the service information; obtaining identity sample information from the platform corresponding to any identity authentication method according to the identity information to be verified; determining the identity authentication result based on the identity information to be verified and the identity sample information; sending the identity authentication result to the first electronic device.

[0022] The identity authentication method for a server provided by an embodiment of the present invention obtains the identity information to be verified and service information sent by a first electronic device, determines at least one identity authentication method according to the service information, and obtains identity sample information from the platform corresponding to the identity authentication method, so as to determine an identity authentication result according to the identity information to be verified and the identity sample information, and return the identity authentication result to the first electronic device. By matching a suitable identity authentication method according to the service information sent by the first electronic device, the configuration of the identity authentication method is realized according to different service requirements of users, and the matching degree of the identity authentication method and the accuracy of identity authentication are improved. Further, the server is configured with multiple identity authentication service providers. By adopting the identity authentication method of the embodiment of the present invention, users do not need to sign a cooperation agreement with the identity authentication service providers themselves, and can use the identity authentication methods provided by the identity authentication service providers, so that users can flexibly select multiple service providers and various identity authentication methods provided by multiple service providers, and the diversity of the identity authentication method and the accuracy of identity authentication are improved. In addition, by using the identity authentication method provided by the embodiment of the present invention, the replacement of the identity authentication server provider is realized at zero cost, thereby reducing the decision-making difficulty of users to replace the identity authentication service provider, and further enabling users to flexibly adjust and match the most suitable identity authentication method according to different business scenarios or rules, and improving the correlation degree between the identity authentication method and the business scenario. And the identity authentication server provider can be replaced at any time according to the market situation to select a provider in the market that can provide a better solution or a lower price, reduce the cost of identity authentication, and improve the accuracy of identity authentication.

[0023] The identity authentication method provided by an embodiment of the present invention integrates various identity authentication methods provided by multiple identity authentication server providers, can configure the identity authentication method according to the service requirements of users, and can switch the identity authentication service provider at any time according to the cost requirements and accuracy requirements of users, improving the flexibility and diversity of identity authentication.

[0024] The identity authentication method provided by an embodiment of the present invention automatically configures the identity authentication method according to the service information, intelligently configures the service, reduces manual intervention, has high efficiency and high identity authentication accuracy.

[0025] In addition, according to the identity authentication method for a server in the above technical solution provided by the present invention, the following additional technical features may further be included:

[0026] In the above technical solution, the steps of determining the identity authentication result based on the identity information to be verified and the identity sample information specifically include: calculating the similarity between the identity information to be verified and any identity sample information to obtain any identity similarity value; performing a weighted operation on any identity similarity value according to the weight of any identity authentication method to obtain the weighted average of identity authentication; and determining the identity authentication result based on the relationship between the weighted average of identity authentication and the preset similarity threshold.

[0027] In this technical solution, in the steps of determining the identity authentication result based on the identity information to be verified and the identity sample information, calculate the similarity between the identity information to be verified and the identity sample information provided by the platform corresponding to each identity authentication method respectively to obtain the identity similarity value corresponding to each identity authentication method; perform a weighted operation on the identity similarity value corresponding to each identity authentication method according to the weight of each identity authentication method, so as to obtain the weighted average of identity authentication, and then determine the identity authentication result based on the relationship between the weighted average of identity authentication and the preset similarity threshold.

[0028] In one implementation manner, when using at least two identity authentication methods to authenticate the identity information to be verified, by performing a weighted average on the identity similarity values corresponding to each identity authentication, a comprehensive identity authentication result jointly confirmed by multiple identity authentication methods is generated. Compared with only returning the individual authentication results of each authentication method to the user, the comprehensiveness of the identity authentication result is improved, and thus the accuracy of the identity authentication result is improved. The user determines the processing mode of the corresponding business scenario according to the comprehensive identity authentication result generated by multiple authentication methods, which can reduce the business risk.

[0029] It should be noted that when using one identity authentication method, the weight corresponding to this identity authentication method is 100%. When using at least two identity authentication methods, the sum of the weights of at least two identity authentication methods is 100%. Further, the weight of each authentication method can be set according to the business information, and of course, it can also be set according to the specific business scenario, which is not limited here.

[0030] In any of the above technical solutions, the steps of determining the identity authentication result based on the relationship between the weighted average of identity authentication and the preset similarity threshold specifically include: if the weighted average of identity authentication is greater than the preset similarity threshold, generate an authentication result of qualified identity authentication; if the weighted average of identity authentication is not greater than the preset similarity threshold, generate an authentication result of unqualified identity authentication.

[0031] In this technical solution, a preset similarity threshold is set as the judgment criterion for the weighted average of identity authentication. When the weighted average of identity authentication is greater than the preset similarity threshold, it indicates that the similarity between the identity information to be verified and each identity sample information is relatively high. Therefore, it is confirmed that the identity authentication result of the identity information to be verified is qualified. When the weighted average of identity authentication is not greater than the preset similarity threshold, it indicates that the similarity between the identity information to be verified and all or some of the identity sample information is not high. Therefore, it is confirmed that the identity authentication result of the identity information to be verified is unqualified.

[0032] In any of the above embodiments, the identity authentication method further includes: generating identity authentication exception information based on the authentication result of unqualified identity authentication; sending the identity authentication exception information to the first electronic device.

[0033] In this technical solution, when the identity authentication result of the identity information to be verified is unqualified, that is, when the weighted average of identity authentication is not greater than the preset similarity threshold, the server generates identity authentication exception information and sends the identity authentication exception information to the first electronic device, and the first electronic device determines the processing mode of the identity authentication service corresponding to the identity authentication exception information. The specific processing modes of the identity authentication service include any one of all termination, authentication failure, and allowing release after manual intervention. By generating the identity authentication exception information and sending it to the first electronic device for manual review by the user, the user can confirm the processing mode of the corresponding identity authentication service according to the identity exception information, thereby improving the effective control of the identity information to be verified with unqualified identity authentication, reducing the unqualified rate, and avoiding misjudgment during the identity authentication process.

[0034] In any of the above embodiments, the identity authentication method further includes: obtaining the number of authentication times of the first electronic device for identity authentication; confirming the single total price of the first electronic device for identity authentication according to any identity authentication method used by the first electronic device; outputting an identity authentication statement according to the number of authentication times and the single total price; sending the identity authentication statement to the first electronic device.

[0035] In this technical solution, the identity authentication of a user for an identity information to be verified is defined as one identity authentication. The total price of multiple identity authentication methods used for each identity information to be verified is defined as the single total price. By outputting the identity authentication statement according to the number of authentication times and the single total price and sending it to the first electronic device, the user can conveniently understand the usage status of the identity authentication service, that is, the cumulative expense details at any time.

[0036] According to the third aspect of the embodiments of the present invention, the present invention provides an identity authentication system, including: a first electronic device, the first electronic device includes: a first memory and a first processor, the first memory stores programs or instructions, and the first processor executes the programs or instructions to implement the steps of the identity authentication method provided by any of the technical solutions in the first aspect; a server, the server includes: a third memory and a third processor, the third memory stores programs or instructions, and the third processor executes the programs or instructions to implement the steps of the identity authentication method provided by any of the technical solutions in the second aspect.

[0037] The identity authentication system provided by the embodiments of the present invention can implement the steps of the identity authentication method provided by any of the technical solutions in the first aspect and the steps of the identity authentication method provided by any of the technical solutions in the second aspect. Therefore, it has all the beneficial technical effects of the identity authentication method provided by any of the technical solutions in the first aspect and the identity authentication method provided by any of the technical solutions in the second aspect, which will not be elaborated here.

[0038] According to the fourth aspect of the embodiments of the present invention, the present invention provides a readable storage medium, on which programs or instructions are stored, and when the programs or instructions are executed by a processor, the steps of the identity authentication method provided by any of the technical solutions in the first aspect are implemented; or when the programs or instructions are executed by a processor, the steps of the identity authentication method provided by any of the technical solutions in the second aspect are implemented.

[0039] The readable storage medium provided by the embodiments of the present invention can implement the steps of the identity authentication method provided by any of the technical solutions in the first aspect or the steps of the identity authentication method provided by any of the technical solutions in the second aspect. Therefore, it has all the beneficial technical effects of the identity authentication method provided by any of the technical solutions in the first aspect or the identity authentication method provided by any of the technical solutions in the second aspect, which will not be elaborated here.

[0040] The additional aspects and advantages of the present invention will become apparent in the following description section or be learned through the practice of the present invention. BRIEF DESCRIPTION OF THE DRAWINGS

[0041] The above and / or additional aspects and advantages of the present invention will become apparent and be readily understood from the description of the embodiments in conjunction with the following drawings, where:

[0042] Figure 1 Shows a flowchart of an identity authentication method according to an embodiment of the present invention;

[0043] Figure 2 Shows a flowchart of an identity authentication method according to another embodiment of the present invention;

[0044] Figure 3 Shows a flowchart of an identity authentication method according to another embodiment of the present invention;

[0045] Figure 4 The flowchart of the identity authentication method showing another embodiment of the present invention is presented;

[0046] Figure 5 The schematic block diagram of the identity authentication system showing an embodiment of the present invention is presented;

[0047] Figure 6 The schematic diagram of the identity authentication system showing another embodiment of the present invention is presented.

[0048] Among them, the corresponding relationship between the reference numerals and the component names is as follows:

[0049] 500 Identity authentication system, 502 First electronic device, 504 Server, 506 Visual operation interface. Detailed implementation manners

[0050] In order to be able to more clearly understand the above-mentioned objects, features and advantages of the present invention, the present invention will be further described in detail below in conjunction with the accompanying drawings and specific implementation manners. It should be noted that, without conflict, the embodiments of the present application and the features in the embodiments can be combined with each other.

[0051] In the following description, many specific details are set forth in order to fully understand the present invention. However, the present invention may also be implemented in other ways different from those described herein. Therefore, the protection scope of the present invention is not limited by the specific embodiments disclosed below.

[0052] The following refers to Figures 1 to 6 Describe an identity authentication method, an identity authentication system and a readable storage medium provided according to some embodiments of the present invention.

[0053] Example 1

[0054] As Figure 1 shown, Embodiment 1 provides an identity authentication method for a first electronic device, including:

[0055] Step 102, sending the identity information to be verified and service information to the server for the server to perform identity authentication;

[0056] Step 104, receiving the identity authentication result sent by the server;

[0057] Step 106, determining the processing mode of the corresponding service scenario according to the identity authentication result.

[0058] The identity authentication method for the first electronic device provided by the embodiments of the present invention is such that the first electronic device sends the identity information to be verified and service information to the server, and the server performs identity authentication. According to the identity authentication result returned by the server, the processing mode for the corresponding service scenario is determined. By sending the identity information to be verified and service information to the server, and the server performs identity authentication according to multiple identity authentication service providers configured by itself, it is not necessary to sign a cooperation agreement with the identity authentication service providers by itself, and thus multiple identity authentication methods provided by multiple identity authentication service providers can be used. Furthermore, the flexibility to select multiple service providers and multiple identity authentication methods provided by multiple service providers is achieved, improving the diversity of identity authentication methods and the accuracy of identity authentication. In addition, since the identity authentication server provider can be changed at zero cost, the decision-making difficulty of changing the identity authentication service provider is reduced, and thus the ability to flexibly adjust and match the most suitable identity authentication method according to different service scenarios or rules is realized, improving the relevance between the identity authentication method and the service scenario. And the identity authentication server provider can be changed at any time according to the market situation to select a provider in the market that can provide a better solution or a lower price, reducing the cost of identity authentication and improving the accuracy of identity authentication. Further, since the service information is sent to the server and the server matches a suitable identity authentication method according to the service information, the configuration of the identity authentication method according to different service requirements is realized, improving the matching degree of the identity authentication method and the accuracy of identity authentication.

[0059] The identity authentication method provided by the embodiments of the present invention realizes the configuration of the identity authentication method according to service requirements by integrating multiple identity authentication methods provided by multiple identity authentication service providers on the server, and the identity authentication service provider can be switched at any time according to cost requirements and identity authentication accuracy requirements, improving the flexibility and diversity of identity authentication.

[0060] The identity authentication method provided by the embodiments of the present invention realizes the automatic configuration of the identity authentication method according to service information through interaction with the server, intelligent configuration service, reducing manual intervention, high efficiency, and high identity authentication accuracy.

[0061] In one implementation, the identity authentication methods include: public security department real-name authentication (using name and ID number for authentication), public security department face comparison (using name, ID number, and face image for authentication), operator real-name authentication (using name, ID number, and mobile phone number for authentication), bank card element authentication (using any one of two-factor, three-factor, four-factor, five-factor, or six-factor bank card for authentication), bank card account level verification (performing authentication of whether it is a Class I account), and liveness verification combining ID card and lip language.

[0062] Example 2

[0063] As Figure 2 shown, based on the first embodiment, the second embodiment provides an identity authentication method, which further limits that the identity authentication method further includes:

[0064] Step 202, receiving the identity authentication exception information sent by the server;

[0065] Step 204, determining the processing mode of the identity authentication service corresponding to the identity authentication exception information according to the identity authentication exception information.

[0066] In the embodiment, when the first electronic device receives the identity authentication exception information sent by the server, that is, when the identity authentication result of the identity information to be verified is unqualified, the processing mode of the identity authentication service corresponding to the identity authentication exception information is determined according to the identity authentication exception information. Specifically, the processing mode of the identity authentication service includes any one of all termination, authentication failure, and release after allowing manual intervention. By receiving the identity authentication exception information sent by the server and performing manual review, it is possible to effectively control the number of identity information to be verified with unqualified identity authentication, reduce the unqualified rate, and avoid misjudgment in the identity authentication process.

[0067] Furthermore, in an implementation manner, as Figure 6 shown, the first electronic device further includes a visual operation interface 506. By setting the visual operation interface 506, it is convenient for the user to set the processing mode of the identity authentication service corresponding to the identity authentication exception information on the visual operation interface 506. For example, select all termination, authentication failure, release after allowing manual intervention, etc. on the visual operation interface.

[0068] Example 3

[0069] Based on any of the above embodiments, the third embodiment provides an identity authentication method, which further limits that the identity authentication method further includes: obtaining the configuration rule of the service information and the identity authentication method; sending the configuration rule to the server for the server to match the identity authentication method for the service information.

[0070] In an implementation manner, the service information includes one or more of commodity type information, contract clause information, sales channel information, supplier category information, insured amount information, premium information, applicant characteristic information, insured characteristic information, and identity authentication fee information.

[0071] In this embodiment, the configuration rule for business information and the identity authentication method is set by the user. The first electronic device sends the configuration rule set by the user to the server, and the server matches a suitable identity authentication method for the business information according to the configuration rule. By sending the configuration rule to the server through the first electronic device, the user can independently select the conditions for triggering the identity authentication method, improving the accuracy of matching the identity authentication method for the business information. Specifically, the user can independently select one of the above business information according to the specific business scenario to confirm the identity authentication method, providing flexibility and relevance in the selection of the identity authentication method.

[0072] Further, in this embodiment, as Figure 6 shown, a toggle switch is set on the visual operation interface 506. The identity authentication method further includes a manual matching method for matching an identity authentication method for business information, or an automatic matching method for matching an identity authentication method for business information. The user can switch between using the manual matching method or the automatic matching method for identity authentication method matching at any time through the toggle switch.

[0073] Example 4

[0074] As Figure 3 shown, Embodiment 4 provides an identity authentication method for a server, including:

[0075] Step 302, obtaining the identity information to be verified and business information sent by the first electronic device;

[0076] Step 304, determining at least one identity authentication method according to the business information;

[0077] Step 306, obtaining identity sample information from the platform corresponding to any identity authentication method according to the identity information to be verified;

[0078] Step 308, determining the identity authentication result based on the identity information to be verified and the identity sample information;

[0079] Step 310, sending the identity authentication result to the first electronic device.

[0080] The identity authentication method for a server provided by an embodiment of the present invention obtains the identity information to be verified and service information sent by a first electronic device, determines at least one identity authentication method according to the service information, and obtains identity sample information from the platform corresponding to the identity authentication method, so as to determine an identity authentication result according to the identity information to be verified and the identity sample information, and return the identity authentication result to the first electronic device. By matching a suitable identity authentication method according to the service information sent by the first electronic device, the configuration of the identity authentication method is realized according to different service requirements of users, and the matching degree of the identity authentication method and the accuracy of identity authentication are improved. Further, the server is configured with multiple identity authentication service providers. By adopting the identity authentication method of the embodiment of the present invention, users do not need to sign a cooperation agreement with the identity authentication service providers by themselves, and can use the identity authentication methods provided by the identity authentication service providers, so that users can flexibly select multiple service providers and various identity authentication methods provided by the multiple service providers, and the diversity of the identity authentication method and the accuracy of identity authentication are improved. In addition, by using the identity authentication method provided by the embodiment of the present invention, the replacement of the identity authentication server provider is realized at zero cost, thereby reducing the decision-making difficulty of users to replace the identity authentication service provider, and further enabling users to flexibly adjust and match the most suitable identity authentication method according to different business scenarios or rules, and improving the relevance between the identity authentication method and the business scenario. And the identity authentication server provider can be replaced at any time according to the market situation to select a provider in the market that can provide a better solution or a lower price, reduce the cost of identity authentication, and improve the accuracy of identity authentication.

[0081] The identity authentication method provided by an embodiment of the present invention integrates various identity authentication methods provided by multiple identity authentication service providers, can configure the identity authentication method according to the service requirements of users, and can switch the identity authentication service provider at any time according to the cost requirements and accuracy requirements of users, improving the flexibility and diversity of identity authentication.

[0082] The identity authentication method provided by an embodiment of the present invention automatically configures the identity authentication method according to the service information, intelligently configures the service, reduces manual intervention, has high efficiency and high identity authentication accuracy.

[0083] Example 5

[0084] Based on Embodiment 4, Embodiment 4 provides an identity authentication method, which further defines the steps of determining the identity authentication result based on the identity information to be verified and the identity sample information, specifically including: calculating the similarity between the identity information to be verified and any identity sample information to obtain any identity similarity value; performing a weighted operation on any identity similarity value according to the weight of any identity authentication method to obtain an identity authentication weighted average value; and determining the identity authentication result based on the relationship between the identity authentication weighted average value and the preset similarity threshold.

[0085] In a specific implementation, as Figure 4 shown, the identity authentication method includes:

[0086] Step 402, obtaining the identity information to be verified and service information sent by the first electronic device;

[0087] Step 404, determining at least one identity authentication method according to the service information;

[0088] Step 406, obtaining identity sample information from the platform corresponding to any identity authentication method according to the identity information to be verified;

[0089] Step 408, calculating the similarity between the identity information to be verified and any identity sample information to obtain any identity similarity value;

[0090] Step 410, performing a weighted operation on any identity similarity value according to the weight of any identity authentication method to obtain an identity authentication weighted average value;

[0091] Step 412, determining the identity authentication result based on the relationship between the identity authentication weighted average value and the preset similarity threshold.

[0092] Step 414, sending the identity authentication result to the first electronic device.

[0093] In this embodiment, in the steps of determining the identity authentication result based on the identity information to be verified and the identity sample information, the similarity is calculated between the identity information to be verified and the identity sample information provided by the platform corresponding to each identity authentication method respectively to obtain the identity similarity value corresponding to each identity authentication method; a weighted operation is performed on the identity similarity value corresponding to each identity authentication method according to the weight of each identity authentication method, so as to obtain the identity authentication weighted average value, and then the identity authentication result is determined based on the relationship between the identity authentication weighted average value and the preset similarity threshold.

[0094] In one embodiment, when at least two identity authentication methods are used to authenticate the identity information to be verified, the identity similarity values corresponding to each identity authentication are weighted and averaged to generate a comprehensive identity authentication result jointly confirmed by multiple identity authentication methods. Compared with only returning the authentication result of each authentication method to the user separately, the comprehensiveness of the identity authentication result is improved, and thus the accuracy of the identity authentication result is improved. The user determines the processing mode of the corresponding business scenario according to the comprehensive identity authentication result generated by multiple authentication methods, which can reduce the business risk.

[0095] It should be noted that when one identity authentication method is used, the weight corresponding to this identity authentication method is 100%. When at least two identity authentication methods are used, the sum of the weights of at least two identity authentication methods is 100%. Further, the weight of each authentication method can be set according to the service information, and of course it can also be set according to the specific business scenario, which is not limited herein.

[0096] Further, in this embodiment, the step of determining the identity authentication result based on the relationship between the weighted average of identity authentication and the preset similarity threshold specifically includes: if the weighted average of identity authentication is greater than the preset similarity threshold, an authentication result of qualified identity authentication is generated; if the weighted average of identity authentication is not greater than the preset similarity threshold, an authentication result of unqualified identity authentication is generated. By setting the preset similarity threshold as the judgment benchmark for the weighted average of identity authentication, when the weighted average of identity authentication is greater than the preset similarity threshold, it indicates that the similarity between the identity information to be verified and each identity sample information is relatively high. Therefore, it is confirmed that the identity authentication result of the identity information to be verified is qualified. When the weighted average of identity authentication is not greater than the preset similarity threshold, it indicates that the similarity between the identity information to be verified and all or some of the identity sample information is not high. Therefore, it is confirmed that the identity authentication result of the identity information to be verified is unqualified.

[0097] Further, in one embodiment, the server includes an intelligent weight scoring model. The generation steps of the intelligent weight scoring model are specifically as follows: Obtain a sample group of identity information and a sample group of similarity thresholds; According to the sample group of identity information and the identity authentication method, obtain a sample group of identity sample information; Determine a sample group of similarity values according to the sample group of identity information and the sample group of identity sample information; Label the sample group of authentication results of the sample group of identity information according to the sample group of similarity values and the preset sample group of similarity thresholds; Train a machine learning model according to the sample group of identity information, the sample group of identity sample information, the sample group of similarity values, the sample group of similarity thresholds, and the sample group of authentication results to generate an intelligent weight scoring model. By building an intelligent weight scoring system, the weights and results of multiple identity authentication methods can be integrated to comprehensively score the same identity authentication case, and automatic judgment and classification operations can be performed with reference to the preset similarity threshold, improving the efficiency and accuracy of identity authentication.

[0098] In another embodiment, the identity information to be verified and any identity sample information are input into the intelligent weight scoring model to obtain the result of identity authentication.

[0099] Further, the artificially set intelligent configuration rules, similarity thresholds, historical and current suspicious cases (i.e., authentication cases that generate identity authentication abnormal information), and the artificially determined results are used as training samples to optimize the training of the intelligent weight scoring model. With the continuous enrichment of training samples, incremental training realizes the ability optimization of the intelligent weight scoring model, that is, realizes the continuous optimization of the usability and accuracy of the intelligent weight scoring model through machine learning training, and further continuously optimizes the accuracy of identity authentication results.

[0100] Example 6

[0101] On the basis of the above-mentioned Embodiment 5, it is further defined that the identity authentication method further includes: generating identity authentication abnormal information based on the authentication result of failed identity authentication; Sending the identity authentication abnormal information to the first electronic device.

[0102] In this embodiment, when the identity authentication result of the identity information to be verified is unqualified, that is, when the weighted average of the identity authentication is not greater than the preset similarity threshold, the server generates identity authentication exception information and sends the identity authentication exception information to the first electronic device, and the first electronic device determines the processing mode of the identity authentication service corresponding to the identity authentication exception information. Specifically, the processing mode of the identity authentication service includes any one of all termination, authentication failure, and release after allowing manual intervention. By generating identity authentication exception information and sending it to the first electronic device for manual review by the user, the user can confirm the processing mode of the corresponding identity authentication service based on the identity exception information, thereby improving the effective control of the number of identity information to be verified with unqualified identity authentication, reducing the unqualified rate, and avoiding misjudgment in the identity authentication process.

[0103] Example 7

[0104] Based on any of the above embodiments, the identity authentication method further includes: obtaining the number of authentication times of the first electronic device for identity authentication; confirming the single total price of the first electronic device for identity authentication according to any identity authentication method used by the first electronic device; outputting an identity authentication statement according to the number of authentication times and the single total price; and sending the identity authentication statement to the first electronic device.

[0105] In the embodiment, the user's identity authentication for one piece of identity information to be verified is defined as one identity authentication. The total price of multiple identity authentication methods used for each piece of identity information to be verified is defined as the single total price. By outputting the identity authentication statement according to the number of authentication times and the single total price and sending it to the first electronic device, the user can easily understand the usage status of the identity authentication service, that is, the cumulative cost details at any time.

[0106] Further, in one implementation, the user accesses the server by adopting SaaS (Software - as - a - Service), that is, providing software services through the network. The server provides billing and auditing functions to help enterprise users understand the service usage situation and cost details in real time, and enables them to reconcile accounts, settle accounts, and meet the auditing requirements conveniently. By setting up the billing and auditing service and supporting single - time account reconciliation and settlement, it makes the user's identity authentication service more convenient.

[0107] Example 8

[0108] Such as Figure 5 and Figure 6As shown in the figure, Embodiment 8 provides an identity authentication system 500, including: a first electronic device 502, where the first electronic device 502 includes: a first memory and a first processor. The first memory stores programs or instructions, and the first processor executes the programs or instructions to implement the steps of the identity authentication method for the first electronic device provided by any of the above technical solutions; a server 504, where the server 504 includes: a third memory and a third processor. The third memory stores programs or instructions, and the third processor executes the programs or instructions to implement the steps of the identity authentication method for the server provided by any of the above technical solutions.

[0109] The identity authentication system 500 provided by the embodiments of the present invention can implement the steps of the identity authentication method for the first electronic device provided by any of the above technical solutions, and the steps of the identity authentication method for the server provided by any of the above technical solutions. Therefore, it has all the beneficial technical effects of the identity authentication method for the first electronic device provided by any of the above technical solutions, and the identity authentication method for the server provided by any of the above technical solutions, which will not be elaborated here.

[0110] Example 9

[0111] Embodiment 9 provides a readable storage medium, on which programs or instructions are stored. When the programs or instructions are executed by a processor, the steps of the identity authentication method for the first electronic device provided by any of the above technical solutions are implemented; or when the programs or instructions are executed by a processor, the steps of the identity authentication method for the server provided by any of the above technical solutions are implemented.

[0112] The readable storage medium provided by the embodiments of the present invention can implement the steps of the identity authentication method provided by any of the above technical solutions, or the steps of the identity authentication method for the first electronic device provided by any of the above technical solutions. Therefore, it has all the beneficial technical effects of the identity authentication method provided by any of the above technical solutions, or the identity authentication method for the server provided by any of the above technical solutions, which will not be elaborated here.

[0113] It should be noted that in the claims, any reference signs placed between parentheses shall not be construed as limiting the claim. The word "comprising" does not exclude the presence of elements or steps not listed in the claim. The word "a" or "an" preceding an element does not exclude the presence of a plurality of such elements. The present invention can be implemented by means of hardware including several different elements and by means of a suitably programmed computer. In the unit claims listing several means, several of these means can be embodied by the same item of hardware. The use of the words first, second, and third, etc. does not denote any order. These words can be interpreted as names.

[0114] Although the preferred embodiments of the present invention have been described, additional changes and modifications can be made to these embodiments by those skilled in the art once they learn the basic creative concept. Therefore, the appended claims are intended to be interpreted to include the preferred embodiments as well as all changes and modifications that fall within the scope of the present invention.

[0115] The above are only the preferred embodiments of the present invention and are not intended to limit the present invention. For those skilled in the art, the present invention can have various changes and modifications. Any modifications, equivalent replacements, improvements, etc. made within the spirit and principle of the present invention shall be included within the protection scope of the present invention.

Claims

1. An identity authentication method for a first electronic device, characterized in that, Including: Sending identity information to be verified and service information to a server for the server to perform identity authentication; Receiving the identity authentication result sent by the server; Determining a processing mode for a corresponding service scenario according to the identity authentication result; The server performs the identity authentication according to multiple identity authentication service providers configured by itself; The identity authentication method further includes receiving identity authentication exception information sent by the server, and determining a processing mode for the identity authentication service corresponding to the identity authentication exception information according to the identity authentication exception information; Wherein, determining the processing mode for the identity authentication service corresponding to the identity authentication exception information includes any one of all termination, authentication failure, and release after allowing manual intervention; The identity authentication method further includes: Obtaining a configuration rule for the service information and the identity authentication method; Sending the configuration rule to the server for the server to match an identity authentication method for the service information; The service information includes one or more of commodity type information, contract clause information, sales channel information, supplier category information, insured amount information, premium information, applicant characteristic information, insured characteristic information, and identity authentication fee information; The first electronic device includes a visual operation interface, and a toggle switch is arranged on the visual operation interface; the identity authentication method further includes matching an identity authentication method for the service information in a manual matching mode or an automatic matching mode; a user switches to use the manual matching mode or the automatic matching mode to perform the matching of the identity authentication method through the toggle switch.

2. An identity authentication method for a server, characterized in that, Including: Obtaining the identity information to be verified and the service information sent by the first electronic device; The service information includes one or more of commodity type information, contract clause information, sales channel information, supplier category information, insured amount information, premium information, applicant characteristic information, insured characteristic information, and identity authentication fee information; Determining at least one identity authentication method according to the service information; Obtaining identity sample information from a platform corresponding to any one of the identity authentication methods according to the identity information to be verified; Determining an identity authentication result based on the identity information to be verified and the identity sample information; Sending the identity authentication result to the first electronic device for the first electronic device to determine a processing mode for a corresponding service scenario; The server is configured with multiple identity authentication service providers, and the server performs the identity authentication according to the multiple identity authentication service providers configured by itself; The identity authentication method further includes sending identity authentication exception information to the first electronic device, and according to the identity authentication exception information, for the first electronic device to determine a processing mode for the identity authentication service corresponding to the identity authentication exception information; Wherein, the processing mode for the first electronic device to determine the identity authentication service corresponding to the identity authentication exception information includes any one of all termination, authentication failure, and release after allowing manual intervention; The step of determining an identity authentication result based on the identity information to be verified and the identity sample information specifically includes: Calculate the similarity between the identity information to be verified and any one of the identity sample information to obtain any identity similarity value; Perform a weighted operation on any one of the identity similarity values according to the weight of any one of the identity authentication methods to obtain an identity authentication weighted average value; Determine the identity authentication result based on the relationship between the identity authentication weighted average value and the preset similarity threshold; The server further includes an intelligent weight scoring model. The generation steps of the intelligent weight scoring model specifically include: Obtain a group of identity information samples and a group of similarity threshold samples; Obtain a group of identity sample information samples according to the group of identity information samples and the identity authentication method; Determine a group of similarity value samples according to the group of identity information samples and the group of identity sample information samples; Mark the group of authentication result samples of the group of identity information samples according to the group of similarity value samples and the group of similarity preset samples; Train a machine learning model according to the group of identity information samples, the group of identity sample information samples, the group of similarity value samples, the group of similarity threshold samples, and the group of authentication result samples to generate the intelligent weight scoring model; Input the identity information to be verified and any one of the identity sample information into the intelligent weight scoring model to obtain the result of the identity authentication; The identity authentication method further includes: Obtain the number of authentication times for the first electronic device to perform identity authentication; Confirm the single total price for the first electronic device to perform identity authentication according to any one of the identity authentication methods used by the first electronic device; Output an identity authentication statement according to the number of authentication times and the single total price; Send the identity authentication statement to the first electronic device.

3. The identity authentication method according to claim 2, wherein The step of determining the identity authentication result based on the relationship between the identity authentication weighted average value and the preset similarity threshold specifically includes: If the identity authentication weighted average value is greater than the preset similarity threshold, generate an authentication result of qualified identity authentication; If the identity authentication weighted average value is not greater than the preset similarity threshold, generate an authentication result of unqualified identity authentication.

4. The identity authentication method according to claim 3, wherein The identity authentication method further includes: Generate the identity authentication abnormal information based on the authentication result of unqualified identity authentication.

5. An identity authentication system, characterized in that, Include: A first electronic device, which includes: a first memory and a first processor. The first memory stores programs or instructions, and the first processor executes the programs or instructions to implement the steps of the identity authentication method as claimed in claim 1; A server, which includes: a third memory and a third processor. The third memory stores programs or instructions, and the third processor executes the programs or instructions to implement the steps of the identity authentication method as claimed in any one of claims 2 to 4.

6. A readable storage medium having a program or instructions stored thereon, characterized in that, The programs or instructions, when executed by the processor, implement the steps of the identity authentication method as claimed in claim 1; or the programs or instructions, when executed by the processor, implement the steps of the identity authentication method as claimed in any one of claims 2 to 4.

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