Address data processing method, device, computer equipment and storage medium

Abstract

The present application relates to an address data processing method, device, computer equipment and storage medium. The method comprises: obtaining an entry address entered in a business request page based on a user identifier; obtaining a matching result of the entry address in a preset address database, and performing an address validity check on the entry address according to the matching result; when the validity check passes, obtaining a business request generated based on the entry address after the validity check passes; the business request carries the user identifier; querying the user authentication record corresponding to the user identifier from the authentication record platform; and performing an address approval check on the entry address in the business request according to the record address in the user authentication record. The use of this method can effectively improve the verification efficiency of the entry address in the business data.

Description

Technical Field

[0001] The present application relates to the field of computer technology, and in particular to an address data processing method, device, computer equipment and storage medium. Background Art

[0002] With the rapid development and popularization of Internet technology, various Internet-based business applications are becoming more and more widespread. For various Internet-based businesses, such as applying for online banking services, it is particularly important to verify the business data such as addresses to ensure the security of the business.

[0003] In the current method, users usually enter business information and certification materials through the terminal and upload them to the relevant business platform, and then the staff of the relevant business platform manually reviews the data such as the address entered by the user. The current data verification method requires a lot of manpower costs, and the review takes a long time, resulting in low review efficiency of business request data. Summary of the invention

[0004] Based on this, it is necessary to provide an address data processing method, device, computer equipment and storage medium that can effectively improve the verification efficiency of addresses entered in business data in response to the above technical problems.

[0005] A method for processing address data, the method comprising:

[0006] Obtaining the entry address entered in the service request page based on the user ID;

[0007] Obtaining a matching result of the input address in a preset address database, and performing an address validity check on the input address according to the matching result;

[0008] When the validity check passes, obtaining a service request generated based on the input address after the validity check passes; the service request carries the user identifier;

[0009] Querying the user authentication record corresponding to the user identifier from the authentication record platform;

[0010] According to the recorded address in the user authentication record, an address approval check is performed on the input address in the service request.

[0011] An address data processing device, the device comprising:

[0012] A data acquisition module, used to acquire an entry address entered in a service request page based on a user identifier;

[0013] An address validity verification module, used to obtain a matching result of the input address in a preset address database, and perform an address validity verification on the input address according to the matching result;

[0014] The data acquisition module is also used to acquire a service request generated based on the input address after the validity check passes, and the service request carries the user identifier;

[0015] A data query module, used to query the user authentication record corresponding to the user identifier from the authentication record platform;

[0016] The address approval verification module is used to perform address approval verification on the input address in the business request according to the record address in the user authentication record.

[0017] In one of the embodiments, the business request is a business request for a target business; the address validity verification module is also used to detect the address area of ​​the entered address; the address area is compared with the target area corresponding to the target business; when the address area of ​​the entered address is not within the range of the target area, it is determined that the validity check of the entered address has failed, and corresponding modification prompt information is generated; wherein the modification prompt information is used to indicate that the entered address is modified through the user terminal corresponding to the user identifier.

[0018] In one of the embodiments, the address validity check module is further used to match the input address with a preset keyword; when the preset keyword exists in the input address, it is determined that the validity check of the input address has failed, and a corresponding modification prompt message is generated.

[0019] In one of the embodiments, the address validity verification module is also used to input the entered address into a preset address database for matching, and obtain a matching result including the address code corresponding to the entered address, the address type corresponding to the address code, and a matching score value; perform address validity verification on the entered address according to the address type and the matching score value; when the address type matches the target type and the matching score value reaches the matching threshold, it is determined that the validity verification corresponding to the entered address has passed.

[0020] In one of the embodiments, the data acquisition module is also used to generate corresponding modification prompt information when the validity check of the input address fails; obtain the input address modified according to the modification prompt information, and perform address validity check on the modified input address.

[0021] In one of the embodiments, the data acquisition module is also used to obtain the entered entry address during the process of entering business application information corresponding to the target business on the business request page based on the user identifier; the business request page is triggered based on the application instruction of the target business; the modification prompt information is displayed in the business request page; the modified entry address entered in the business request page is obtained, and the address validity check is performed on the modified entry address; until the validity check of the modified entry address passes, a business request corresponding to the target business is generated according to the entry address after the address validity check passes and the entered business application information.

[0022] In one of the embodiments, the data acquisition module is also used to extract the entry address entered in the business request page based on the user identifier from the acquired business request; trigger the generation of the address modification page according to the modification prompt information; obtain the modified entry address entered in the address modification page based on the user identifier, and update the business request according to the modified entry address; the address validity verification module is also used to perform address validity verification on the modified entry address in the updated business request.

[0023] In one of the embodiments, the address approval verification module is also used to perform risk control verification on the business application information in the business request according to a preset risk control strategy; the data query module is also used to execute the step of querying the user authentication record corresponding to the user identifier from the authentication record platform after the risk control verification passes.

[0024] In one of the embodiments, the address approval verification module is further used to filter record addresses that meet address filtering conditions from the user authentication records; and perform address approval verification on the input address in the business request based on the record addresses filtered from the user authentication records.

[0025] In one of the embodiments, the address approval and verification module is also used to input each of the recorded addresses into the preset database for matching, and obtain matching results corresponding to each of the recorded addresses; the matching results corresponding to each of the recorded addresses are compared with the matching results corresponding to the input addresses in the business request, and the address approval verification is performed on the input addresses in the business request according to the comparison results.

[0026] In one of the embodiments, the matching results corresponding to each of the record addresses include an address code and a matching score value corresponding to each of the record addresses; the address approval verification module is further used to filter out record addresses that meet the verification conditions from each of the record addresses according to the matching score value corresponding to each of the record addresses; the address codes corresponding to the filtered record addresses are compared with the address codes in the matching results corresponding to the entry addresses in the business request; when there is any record address that passes the comparison among the filtered record addresses, it is determined that the address approval verification of the entry address in the business request has passed.

[0027] In one of the embodiments, the device also includes a data storage module, which is used to obtain the address code and address information corresponding to the entry address that has passed the approval verification after the approval verification of the entry address in the business request has passed; the address code and the address information are structured for storage; and the structured stored address code and address information are used to process associated business requests associated with the business request.

[0028] A computer device comprises a memory and a processor, wherein the memory stores a computer program, and when the processor executes the computer program, the following steps are implemented:

[0029] Obtaining the entry address entered in the service request page based on the user ID;

[0030] Obtaining a matching result of the input address in a preset address database, and performing an address validity check on the input address according to the matching result;

[0031] When the validity check passes, obtaining a service request generated based on the input address after the validity check passes; the service request carries the user identifier;

[0032] Querying the user authentication record corresponding to the user identifier from the authentication record platform;

[0033] According to the recorded address in the user authentication record, an address approval check is performed on the input address in the service request.

[0034] A computer-readable storage medium stores a computer program, which, when executed by a processor, implements the following steps:

[0035] Obtaining the entry address entered in the service request page based on the user ID;

[0036] Obtaining a matching result of the input address in a preset address database, and performing an address validity check on the input address according to the matching result;

[0037] When the validity check passes, obtaining a service request generated based on the input address after the validity check passes; the service request carries the user identifier;

[0038] Querying the user authentication record corresponding to the user identifier from the authentication record platform;

[0039] According to the recorded address in the user authentication record, an address approval check is performed on the input address in the service request.

[0040] The above-mentioned address data processing method, device, computer equipment and storage medium obtain the input address entered in the business request page based on the user identifier, obtain the matching result of the input address in the preset address database, and perform address validity verification on the input address according to the matching result; thereby, the input address entered in the business request page can be timely and efficiently verified for validity to ensure that the input address entered by the user is true and valid. When the validity verification passes, the business request generated based on the input address after the validity verification is passed is obtained; and then the user authentication record corresponding to the user identifier is queried from the authentication record platform, thereby obtaining the user authentication record of the user that has been authenticated by the official authority platform, and the authenticated record address therein. The computer device then performs address approval verification on the input address in the business request according to the record address in the user authentication record, thereby accurately and effectively verifying whether the input address in the business request is a true, reliable and valid address corresponding to the user identifier. Through the above two stages of address verification, the address entered in the business request can be verified instantly and efficiently, effectively replacing the traditional method of manually reviewing the address, and greatly improving the verification accuracy and verification efficiency of the address verification. BRIEF DESCRIPTION OF THE DRAWINGS

[0041] Figure 1 is an application environment diagram of an address data processing method in an embodiment;

[0042] Figure 2 A schematic diagram of a flow chart of an address data processing method in one embodiment;

[0043] Figure 3 A schematic diagram of an address data entry interface in one embodiment;

[0044] Figure 4 is a flowchart of an address data processing method in another embodiment;

[0045] Figure 5 is a flowchart of an address data processing method in yet another embodiment;

[0046] Figure 6 A flowchart of performing address validity verification on an input address in one embodiment;

[0047] Figure 7 A flowchart of performing address approval verification on an address entered in a business request in one embodiment;

[0048] Figure 8 A request status page corresponding to a service request in an embodiment;

[0049] Fig. 9 is a structural block diagram of an address data processing device in one embodiment;

[0050] Fig.10 FIG. 4 is a diagram showing the internal structure of a computer device in one embodiment. DETAILED DESCRIPTION

[0051] In order to make the purpose, technical solution and advantages of the present application more clearly understood, the present application is further described in detail below in conjunction with the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are only used to explain the present application and are not used to limit the present application.

[0052] The address data processing method provided in the present application can be applied to a computer device. The computer device can be a terminal or a server. It is understandable that the address data processing method provided in the present application can be applied to a terminal, a server, or a system including a terminal and a server, and is implemented through the interaction between the terminal and the server.

[0053] The address data processing method provided in this application can be applied to Figure 1 In the application environment shown. Among them, the terminal 102 communicates with the server 104 through the network. The business request page is displayed through the terminal 102, and the user enters the business application information and the entry address in the business request page through the corresponding terminal 102. The server 104 takes the entry address entered in the business request page by the terminal 102 corresponding to the user identifier; obtains the matching result of the entry address in the preset address database, and performs an address validity check on the entry address according to the matching result; when the validity check passes, obtains the business request generated based on the entry address after the validity check passes; the business request carries the user identifier; the server 104 queries the user authentication record corresponding to the user identifier from the authentication record platform, and performs an address approval check on the entry address in the business request according to the record address in the user authentication record, and returns the address approval result to the terminal 102.

[0054] Among them, the server 104 server can be an independent physical server, or a server cluster or distributed system composed of multiple physical servers, or a cloud server that provides basic cloud computing services such as cloud services, cloud databases, cloud computing, cloud functions, cloud storage, network services, cloud communications, middleware services, domain name services, security services, CDN, and big data and artificial intelligence platforms. Terminal 102 can be a smart phone, tablet computer, laptop computer, desktop computer, smart speaker, smart watch, etc., but is not limited to this. The terminal and the server can be directly or indirectly connected via wired or wireless communication, and this application does not limit this.

[0055] Cloud computing refers to the delivery and use model of IT infrastructure, which means obtaining required resources through the network in an on-demand and easily scalable manner; in a broad sense, cloud computing refers to the delivery and use model of services, which means obtaining required services through the network in an on-demand and easily scalable manner. This service can be related to IT and software, the Internet, or other services. Cloud computing is the product of the development and integration of traditional computer and network technologies such as grid computing, distributed computing, parallel computing, utility computing, network storage technologies, virtualization, and load balancing. With the development of the Internet, real-time data streams, and the diversification of connected devices, as well as the promotion of search services, social networks, mobile commerce, and open collaboration, cloud computing has developed rapidly. Different from previous parallel distributed computing, the emergence of cloud computing will promote revolutionary changes in the entire Internet model and enterprise management model in terms of concept. When there are a large number of business requests in the business system, cloud computing technology can be used to process a large number of business requests concurrently, thereby effectively improving business processing efficiency.

[0056] In one embodiment, Figure 2 As shown, a method for processing address data is provided, and the method is applied to a computer device as an example. The computer device can be a terminal or a server. In this embodiment, the method includes the following steps:

[0057] S202: Acquire an entry address entered in the service request page based on the user identifier.

[0058] It is understood that the user identification refers to an identification used to identify the user. Among them, the user can be a user of various different user types, and the user type can include an individual user and a group user. For example, a group user can be a corporate user, a specific organization user, etc. The user identification of an individual user can specifically be the user's identity identification number, such as an ID card number. The user identification of a group user can specifically be a corporate identity identification, such as a corporate code or an organization code, etc. It is understood that the address types corresponding to different user types are also different.

[0059] Among them, the business request page refers to the information page corresponding to the business to be requested, and is a visual interface for applying for the corresponding business. The business request page can specifically be a web page of the corresponding business in the business website visited in the user terminal, or it can be an interface of the corresponding business displayed by the application running in the user terminal. The business request page may include elements such as text, tables, interactive forms, images, animations, videos, navigation bars, and various functional controls. Among them, the business request page includes a form corresponding to the business to be applied for, and the form can specifically be an interactive form for the user to enter the business application information corresponding to the business to be applied for in the form through the corresponding user terminal. For example, when a user needs to apply for a bank-related business, the required business application information, such as user identity information, user address information, business request information, etc., can be filled in the business application label in the corresponding business request page.

[0060] The user can access the relevant information of the service request page through the corresponding user terminal, and fill in the service application information corresponding to the service to be applied for on the service request page. Among them, the user can log in to the service system to which the service to be applied belongs in advance according to the corresponding user account, which includes the user ID of the user, and then trigger the display of the service request page for the service to be applied for through the user terminal. The user can also directly trigger the display of the corresponding service request page for the service to be applied in the service system through the user terminal, and then enter the corresponding user ID in the service request page.

[0061] When the user fills in the required service application information in the service request page through the corresponding user terminal, the user also needs to enter the corresponding address of the user, which may specifically be the residential address of the user.

[0062] It is understood that the input address refers to the address filled in by the user on the corresponding service request page. For specific services, it is necessary to verify the validity and authenticity of the residential address filled in by the user to ensure that the address entered by the user meets the requirements of the service to be applied for. For example, for services in the financial field, the authenticity and validity of the service application information filled in by the user, especially the user's address information, is required to be high.

[0063] The computer device may obtain the entry address entered in the service request page based on the user identification to verify the entry address entered by the user.

[0064] For example, the business system may also include a CIF system (Customer Information File, customer information management system). The CIF system refers to a set of files or information sets that provide a complete set of customer information, which is used to store and manage customer personal information obtained from various business requests and business channels. In other words, the CIF system stores the user's historical user information in the business system, as well as the historical user information obtained from related business systems. The CIF system can not only record and provide static customer information, but also provide a variety of different control information such as dynamic customer transaction information and account status. By building a CIF system, not only can the centralized sharing of basic customer information and contract information be achieved, but also online transaction processing and product personalization can be achieved.

[0065] In one of the embodiments, when the user fills in the service application information on the service request page, the computer device can directly obtain the entry address that the user enters in real time on the service request page, and then verify the entry address entered on the service request page.

[0066] In another embodiment, when the user fills in the business application information in the business request page, the user can also query the historical entry address that the user has entered in the CIF system in the business system. If there is a historical entry address that has been entered, the historical entry address can be obtained, and the historical entry address can be used as the entry address entered in the current page request, and then the entered entry address is verified. Specifically, if there is a historical entry address corresponding to the user identifier, the historical entry address and the corresponding entry control are displayed in the business request page. The user can click on the entry control corresponding to the historical entry address, and by responding to the triggering operation of the entry control, the historical entry address is automatically filled in to the corresponding position, such as the position corresponding to the address bar in the business application form, and displayed. Furthermore, the user can also modify the automatically filled historical entry address to obtain the entry address entered in the current page request.

[0067] S204, obtaining a matching result of the input address in a preset address database, and performing an address validity check on the input address according to the matching result.

[0068] It can be understood that address validity check refers to checking whether the entered address is a valid geographical location, that is, verifying the geographical location validity of the entered address, that is, checking whether the entered address is a real geographical location.

[0069] The preset address database refers to a certified address data database, which is a collection of various place name information data and data management stored in a computer. For example, the preset address database can be a certified geographical name database (Geographic Name Database) in the national information system. The preset address database includes place name information and its corresponding address code, as well as place name attribute categories. The address code can also reflect the place name attribute category. The address code can also include the building number of the specific address information, such as the building sequence code, building number location number, unit number, house number, etc.

[0070] Specifically, after the computer device obtains the input address entered in the service request page, it inputs the input address into the preset address database for matching. The input address can be matched in the preset address database, and the corresponding address type and address code in the preset address database are calculated, and the matching score value of the address code is calculated, thereby obtaining the matching result of the input address in the preset address database.

[0071] After the computer device obtains the matching result of the input address from the preset database, it performs address validity verification on the input address according to the matching result.

[0072] Specifically, the computer device determines whether the input address is a valid user address based on the address type and address code in the matching result. For example, when the type of the target service corresponding to the service to be applied for by the user is a personal service, the address type should be a residential address type.

[0073] For example, if the address type of the entered address is a non-residential address, or the matching score value of the address code does not reach a preset threshold, it is determined that the validity check of the entered address has failed.

[0074] S206, when the validity check passes, obtain a service request generated based on the input address after the validity check passes; the service request carries a user identifier.

[0075] Among them, a business request refers to a business application requested by a user for a business to be applied for. Usually, when a user needs to handle the required business in a certain business system, he needs to initiate a corresponding business request to the business system, and the business system then performs corresponding business processing according to the business request sent by the user. For example, a user can apply to a bank business system for various banking services, such as bank account opening, bank loan, investment and other types of business.

[0076] When the validity check of the input address fails, the corresponding modification prompt information is generated and displayed to prompt the user to modify the address that fails the check and re-enter the address information. The computer device continues to perform address validity check on the modified input address.

[0077] When the validity check of the input address passes, a service request can be generated according to the input address after the validity check. The computer device then obtains the service request generated according to the input address after the validity check to further process the service request and further check the input address in the service request.

[0078] It can be understood that the service request includes the user ID of the user and the service application information filled in by the user, wherein the entry address entered by the user is included in the service application information.

[0079] The address entered in the service request is verified for validity, that is, the address entered is a real and valid address. After the computer device obtains the service request, it can further verify the address entered in the service request to verify whether the address to be entered is the real address of the user.

[0080] S208, querying the user authentication record corresponding to the user identifier from the authentication record platform.

[0081] The authentication record platform is an authentication platform corresponding to an authoritative official institution with qualifications and credibility, that is, a service platform for authenticating user credit, such as a credit reporting center platform, a personal credit server platform, etc.; and also includes an enterprise business platform credit authentication center. The user authentication record can be a user's corresponding user credit report or user credit report.

[0082] In one embodiment, the computer device may also query the user authentication record corresponding to the user identifier from the authentication record platform corresponding to the user type according to the user type corresponding to the user identifier. Specifically, if the user type is an individual user, the user authentication record of the individual user corresponding to the user identifier is queried from the authentication record platform corresponding to the user type of the individual user. If the user type is a group user, the user authentication record of the group user corresponding to the user identifier is queried from the authentication record platform corresponding to the user type of the group user.

[0083] In another embodiment, the authentication record platform may also include user authentication records corresponding to individual users and group users. The computer device may query the user authentication record corresponding to the user identifier from the authentication record platform according to the user identifier and user type.

[0084] After the computer device obtains the service request generated based on the input address after passing the validity check, it immediately searches the authentication record platform for the user authentication record corresponding to the user ID of the user.

[0085] The user authentication record includes the recorded authenticated user address. The recorded addresses in the user authentication record may include multiple addresses, such as the registered address in the user's identity certification materials, and the addresses reported by the user to other institutions in the past, such as the addresses reported to other banks or loan institutions.

[0086] S210: Performing address approval verification on the address entered in the business request according to the recorded address in the user authentication record.

[0087] It can be understood that the user authentication record is obtained from the authentication record platform of the official organization. Therefore, the recorded address in the user authentication record is the authenticated address corresponding to the user. Address approval verification refers to verifying whether the recorded address in the business request meets the conditions corresponding to the target business of the current business request, that is, automatically verifying the recorded address.

[0088] The computer device then compares the input address in the business request with the recorded address in the user authentication record to perform address approval verification on the input address in the business request. Specifically, the computer device inputs the recorded addresses in the user authentication record into the preset address database for matching, and obtains the matching results of each recorded address. Then, the matching result of the input address in the business request in the preset address database is compared with the matching result of each recorded address. If the comparison result meets the verification condition, it is determined that the approval verification of the input address in the business request has passed. If the comparison result does not meet the verification condition, it is determined that the approval verification of the input address in the business request has not passed.

[0089] Furthermore, corresponding approval result information may be generated according to the determination result of the address approval verification, and the approval result information may be prompted or displayed on a user terminal corresponding to the user identifier.

[0090] In one embodiment, if the address approval verification fails, the approval result information may also include prompt information for submitting address proof information, and an address information entry interface corresponding to the prompt information for submitting address proof information is displayed in the user terminal interface. The user can upload and submit the address proof information in the address information entry interface through the file adding control and file submitting control in the address information entry interface. Figure 3As shown, it is a schematic diagram of the address data entry interface in one embodiment. After the computer device obtains the address proof data submitted by the user in the address data entry interface, it parses the address proof data to obtain the proof address in the address proof data. For example, the proof address in the address proof data can be identified by OCR (Optical Character Recognition) technology, and then the address entry address in the business request is subject to address approval verification based on the identified proof address. The matching result of the proof address in the preset address database is compared with the matching result corresponding to the entry address in the business request. If the comparison result meets the verification condition, it is determined that the address approval verification of the entry address in the business request has passed. In another embodiment, if the address approval verification fails, the address proof data and the business request can also be sent to the review terminal so that the reviewer corresponding to the review terminal can manually review the entry address in the business request based on the address proof data.

[0091] In the above-mentioned address data processing method, after obtaining the input address entered in the business request page based on the user identifier, the matching result of the input address in the preset address database is obtained, and the address validity check is performed on the input address according to the matching result; thereby, the input address entered in the business request page can be timely and efficiently verified for validity, so as to ensure that the input address entered by the user is real and valid. When the validity check passes, the business request generated based on the input address after the validity check passes is obtained; and then the user authentication record corresponding to the user identifier is queried from the authentication record platform, thereby obtaining the user authentication record of the user authenticated by the official authority platform, and the authenticated record address therein. The computer device then performs address approval verification on the input address in the business request according to the record address in the user authentication record, thereby accurately and effectively verifying whether the input address in the business request is a real, reliable and valid address corresponding to the user identifier. Through the above-mentioned two-stage address verification, the address entered in the business request can be verified instantly and efficiently, effectively replacing the traditional method of manually reviewing the address, and greatly improving the verification accuracy and verification efficiency of the address verification.

[0092] In one embodiment, the business request is a business request for a target business; before obtaining the matching result of the entered address in the preset address database, it also includes: detecting the address area of ​​the entered address; comparing the address area with the target area corresponding to the target business; when the address area of ​​the entered address is not within the range of the target area, determining that the validity check of the entered address has failed, and generating corresponding modification prompt information; wherein the modification prompt information is used to indicate that the entered address is modified through the user terminal corresponding to the user identifier.

[0093] It can be understood that the target business refers to the business that the user wants to apply for in the business request page, and the business request triggered by the user in the business request page is the business request for the target business. Among them, the target business corresponds to a corresponding target area, and the target area is the area range corresponding to the business request for the target business. For example, for some regional targeted businesses, the corresponding target area is included. For example, for banking services in a specified area, it is open to users corresponding to the specified target area.

[0094] After the user enters the address in the service request page, the computer device can obtain the address entered by the user in the service request page in real time, and perform address validity verification on the entered address in real time. Specifically, the computer device first detects the address area of ​​the entered address, that is, detects the area range to which the entered address belongs. Then the address area is compared with the target area corresponding to the target service. Specifically, the address area of ​​the entered address can be determined according to the name of the entered address, and then it is determined whether the address area is within the range of the target area.

[0095] If the address area of ​​the entered address is within the range of the target area, the entered address is further input into a preset address database for matching processing.

[0096] When the address area of ​​the entered address is not within the range of the target area, it is determined that the validity check of the entered address has failed, and the computer device then generates corresponding modification prompt information, so that the user re-fills the address in the corresponding page through the corresponding user terminal according to the modification prompt information to modify the entered address.

[0097] In this embodiment, when the service request to be applied for by the user in the service request page is for a service in a target area, the address area corresponding to the entry address entered by the user in the service request page is first checked to see whether it is an address within the target area. This enables the validity of the address area of ​​the entry address to be verified in a timely and efficient manner to ensure that the entry address entered by the user is an address of the target area of ​​the target service.

[0098] In one embodiment, before obtaining the matching result of the entered address in the preset address database, it also includes: matching the entered address with preset keywords; when the preset keywords exist in the entered address, determining that the validity check of the entered address has failed, and generating corresponding modification prompt information.

[0099] The preset keyword may be a pre-set keyword that does not meet the conditions, or a preset keyword that does not meet the corresponding address type.

[0100] After the computer device enters the address in the service request page, it also performs keyword detection on the entered address. Specifically, the entered address is matched with the preset keyword. If the preset keyword does not exist in the entered address, it means that the entered address does not meet the corresponding keyword detection condition, and the computer device further inputs the entered address into the preset address database for matching processing.

[0101] When there are preset keywords in the entered address, it is determined that the validity check of the entered address has failed, and the computer device then generates corresponding modification prompt information, so that the user re-fills the address in the corresponding page according to the modification prompt information through the corresponding user terminal to modify the entered address.

[0102] For example, when the user type of the user corresponding to the user identifier is an individual user, the corresponding input address is a residential address. The preset keywords include keywords that do not match residential addresses. Therefore, by performing keyword detection on the input address, it can be preliminarily determined whether the input address is a residential address. If there are preset keywords, it means that the input address does not belong to a residential address, so it can be determined that the validity check of the input address has not passed.

[0103] In this embodiment, before the input address is input into the preset address database for matching, a keyword detection is first performed on the input address to detect whether there are keywords that do not meet the settings, thereby quickly verifying the validity of the address area of ​​the input address.

[0104] In one embodiment, a matching result of an entered address in a preset address database is obtained, and an address validity check is performed on the entered address according to the matching result, including: inputting the entered address into the preset address database for matching, and obtaining a matching result including an address code corresponding to the entered address, an address type corresponding to the address code, and a matching score value; performing an address validity check on the entered address according to the address type and the matching score value; when the address type matches the target type and the matching score value reaches the matching threshold, it is determined that the validity check corresponding to the entered address has passed.

[0105] It can be understood that the address code is obtained by encoding according to the corresponding building specifications and standards. The preset address database stores the place name information, building information, and address codes corresponding to each building within each area. The address code may include information such as building number, unit number, house number, and building type. The address code also includes the address type code, that is, the address code can directly reflect the corresponding address type.

[0106] Among them, the address type can be a type divided according to the building classification and code, and the address type includes residential address and non-residential address, among which the non-residential address can include enterprise address, warehouse factory address, cultural and entertainment address, educational institution address, medical institution address, etc.

[0107] After the computer device obtains the input address entered in the service request page based on the user identifier, the input address is input into the preset address database for parsing and matching. Specifically, the input address is input into the preset address database, the address code that best matches the input address and the address type corresponding to the address code are searched in the preset address database, and the matching score value with the address code is calculated.

[0108] Among them, the matching score value can be obtained by performing similarity matching between the input address and each address in the preset address database, and the obtained similarity value is the matching score value. Specifically, the input address can be segmented, for example, a hybrid segmentation algorithm can be used to segment the address. Then, based on the address segmentation, address similarity is used to perform address matching. Specifically, the matching range can be first determined in the preset address database according to the regional level of the input address, and then the input address can be matched with each address information in the matching range to obtain the address information with the highest matching score value and the corresponding address code. The address code with the highest matching score value is used as the matching result of the input address in the preset address database.

[0109] After the input address is input into the preset address database for matching, the address code of the input address, the address type corresponding to the address code, and the matching score value can be obtained. The computer device then performs an address validity check on the input address according to the address type and matching score value in the matching result. When the address type matches the target type and the matching score value reaches the matching threshold, it is determined that the validity check corresponding to the input address has passed.

[0110] When the address type does not match the target type, or the matching score value does not reach any of the matching thresholds, the validity check corresponding to the input address is determined to have passed. The computer device generates corresponding modification prompt information, so that the user re-fills the address in the corresponding page according to the modification prompt information through the corresponding user terminal to modify the input address.

[0111] In this embodiment, the entered address is input into a preset address database for matching, and the address validity is judged based on the address type and matching score value in the matching result. This enables the validity of the entered address to be verified quickly and accurately, thereby effectively improving the verification accuracy and efficiency of the address verification.

[0112] In one embodiment, the above method further includes: when the validity check of the input address fails, generating corresponding modification prompt information; obtaining the input address modified according to the modification prompt information, and performing address validity check on the modified input address.

[0113] It is understood that when any validity check of the input address does not meet the corresponding conditions, it is determined that the validity check of the input address has failed. At this time, the computer device generates a modification prompt message corresponding to the failure of the validity check to prompt the user to modify the input address.

[0114] Specifically, after the computer device generates the modification prompt information, it is displayed on the corresponding page so that the user can modify the input address on the corresponding page. The computer device further obtains the input address modified according to the modification prompt information, and continues to perform address validity check on the modified input address to verify whether the modified input address is a valid user address.

[0115] It is understandable that if the validity check of the modified input address still fails, the modification prompt information is continuously generated to prompt the user to modify the input address again until the validity check of the input address passes. In another embodiment, an upper limit of the number of modifications can be preset. When the number of modifications made by the user to the input address reaches the upper limit of the number of modifications, the modification prompt information is no longer generated to allow the user to modify, and the user can continue to initiate the corresponding business request, or continue to fill in the business application information in the business request page to generate the corresponding business request according to the filled in business application information.

[0116] In one embodiment, Figure 4 As shown, another address data processing method is provided, comprising the following steps:

[0117] S402, in the process of entering the service application information corresponding to the target service on the service request page based on the user identification, obtaining the entered entry address; the service request page is triggered based on the application instruction of the target service.

[0118] S404, obtaining a matching result of the input address in a preset address database, and performing an address validity check on the input address according to the matching result.

[0119] S406: When the validity check of the input address fails, a corresponding modification prompt message is generated.

[0120] S408, displaying modification prompt information in the business request page.

[0121] S410, obtaining the modified entry address entered in the service request page, and performing address validity verification on the modified entry address.

[0122] S412, until the validity check of the modified input address passes, a service request corresponding to the target service is generated according to the input address after the address validity check passes and the input service application information; the service request carries the user identifier.

[0123] S414, querying the user authentication record corresponding to the user identifier from the authentication record platform.

[0124] S416: Perform address approval verification on the address entered in the business request according to the recorded address in the user authentication record.

[0125] The user terminal corresponding to the user may run an application corresponding to the target service, and the user may trigger an application instruction for the target service to be applied for through the application, and the user terminal displays the corresponding service request page according to the application instruction for the target service. The user may then fill in the corresponding service application information on the service request page.

[0126] Specifically, when the user enters the service application information corresponding to the target service on the service request page through the corresponding user terminal, after the user fills in the address information, the computer device immediately obtains the input address entered in the service request page, and immediately performs an address validity check on the input address. That is, when the user fills in the service application information on the service request page, the address validity check is immediately performed on the input address entered by the user.

[0127] If the validity check passes, the user can continue to fill in the business application information or initiate a business request.

[0128] If the validity check fails, the corresponding modification prompt information is generated and displayed on the business request page to prompt the user to modify the entered address. After obtaining the modified entry address entered in the business request page through the user terminal, the address validity check is continued for the modified entry address. Until the validity check of the modified entry address passes, the business request corresponding to the target business is generated according to the entry address after the address validity check passes and the entered business application information. That is, if the validity check fails, the user is directly prompted to modify the entry address while filling in the business application information on the business request page until the validity check passes, and then the business request is submitted.

[0129] The computer device further queries the user authentication record corresponding to the user identifier from the authentication record platform, and then performs address approval verification on the input address in the business request based on the record address in the user authentication record.

[0130] For example, if the target business to be applied by the user is a loan application business, the user needs to fill in the loan application information on the corresponding business request page, where the business request page includes forms such as loan application form and credit limit application form to enter the information filled in by the user. Before filling in the credit limit application form, the user has completed the bank account opening, and the user will be required to fill in the address information during the account opening stage. Therefore, when filling in the credit limit application form, the background business system can obtain the address information previously filled in by the user. While the user is filling in the business application form on the business request page, the address filled in by the user is pulled in real time, and the address filled in by the user is immediately checked for address validity. If the validity check fails, the user is prompted to modify the entered address directly on the current business request page during the form filling period until the validity check passes before submitting the business application.

[0131] In this embodiment, by performing a real-time address validity check on the entered address while the user is filling in the business application information on the business request page, the validity of the entered address can be quickly and accurately checked, and the verification result can be fed back instantly, so that the user can quickly enter a valid entry address that meets the conditions on the business request page, effectively improving the accuracy of the entered address and the verification efficiency.

[0132] In one embodiment, Figure 5 As shown, another address data processing method is provided, comprising the following steps:

[0133] S502: extracting, from the acquired service request, an entry address entered in the service request page based on the user identifier.

[0134] S504, obtaining a matching result of the input address in a preset address database, and performing an address validity check on the input address according to the matching result.

[0135] S506: When the validity check of the input address fails, a corresponding modification prompt message is generated.

[0136] S508, triggering generation of an address modification page according to the modification prompt information.

[0137] S510, obtaining a modified entry address entered in the address modification page based on the user identifier, and updating the service request according to the modified entry address.

[0138] S512: Perform address validity check on the modified input address in the updated business request.

[0139] S514, when the validity check passes, obtain a business request generated based on the input address after the validity check passes; the business request carries a user identifier.

[0140] S516, querying the user authentication record corresponding to the user identifier from the authentication record platform.

[0141] S518: Perform address approval verification on the address entered in the business request according to the recorded address in the user authentication record.

[0142] The acquired business request refers to the business application information that the user has entered in the business request page, and the corresponding business request is generated based on the entered business application information. By performing address validity verification on the entered address in the acquired business request, it can be understood that, after the user enters the business application information in the business request page and initiates the business request, the address validity verification is performed on the entered address in the business request.

[0143] Specifically, after the computer device obtains the service request corresponding to the user identification, it performs an address validity check on the input address entered in the corresponding service request page in the service request. When the validity check passes, it continues to perform an address approval check on the input address.

[0144] When the address validity check of the input address fails, the corresponding modification prompt information is generated, and the prompt and display are performed in the user terminal corresponding to the user identifier, so that the user can modify the input address according to the modification prompt information. Specifically, the user terminal corresponding to the user identifier can trigger the generation and display of the address modification page according to the modification prompt information, and then respond to the modified input address entered by the user in the address modification page. Then, according to the modified input address, the service request is updated.

[0145] The computer device continues to perform address validity verification on the modified input address in the updated business request until the address validity verification of the input address in the business request passes, and then further queries the user authentication record corresponding to the user identifier from the authentication record platform. The address approval verification is continued for the input address in the business request based on the record address in the user authentication record.

[0146] In this embodiment, by performing an address validity check on the address entered in the business request in which the user has entered the business application information, the validity of the entered address can be quickly and accurately checked. If the validity check fails, the corresponding address modification page is triggered to be generated, allowing the user to modify the entered valid address that meets the conditions on the address modification page, thereby effectively improving the accuracy and verification efficiency of the entered address.

[0147] In one embodiment, the business request includes business application information entered on the business request page, and the business application information includes an entry address; the above method also includes: performing risk control verification on the business application information in the business request according to a preset risk control strategy; when the risk control verification passes, executing the step of querying the user authentication record corresponding to the user identifier from the authentication record platform.

[0148] It can be understood that risk control strategy refers to the rules and strategies of risk control, which are used to conduct risk assessment on corresponding business requests. Through the preset risk control strategy corresponding to the target business, the business request is risk assessed and risk verified. For example, for business requests involving the financial field, it is particularly important to review the risk control rules to ensure the security of the business.

[0149] Among them, different business types can be preset with corresponding risk control strategies. After the user enters the business application information and the address in the business request page through the corresponding user terminal, the corresponding business request is generated according to the entered business application information. Among them, the address entered in the business request is the address information that has passed the address validity check. After the computer device obtains the business request, it first performs a risk control check on the business application information in the business request according to the preset risk control strategy corresponding to the business type of the business request. Specifically, the risk control strategy includes a number of risk verification rules, such as submission rules, anti-fraud rules, scoring rules, etc. After the business request is subjected to risk control verification through the preset risk control strategy, the risk score of the business request can be obtained. If the risk score meets the risk control conditions, it is determined that the risk control verification has passed.

[0150] For example, taking a loan business request as an example, after a user enters the corresponding loan amount application information through the corresponding user terminal and submits the loan amount application form, a loan business request is generated. After the computer device obtains the loan business request, it first approves the loan business request according to the credit risk control rules, that is, performs risk control verification to review whether the user and the loan business request have risks and whether they meet the credit conditions.

[0151] When the risk control verification is passed, the user authentication record corresponding to the user ID is queried from the authentication record platform to perform address approval verification on the entry address in the business request based on the record address in the user authentication record.

[0152] In this embodiment, by performing risk control verification on the business application information in the business request, the business risk of the business request can be effectively reviewed and verified, thereby effectively ensuring the security of the business request.

[0153] In one embodiment, an address approval check is performed on the entry address in the business request based on the record address in the user authentication record, including: filtering the record addresses that meet the address filtering conditions from the user authentication record; and performing an address approval check on the entry address in the business request based on the record addresses filtered from the user authentication record.

[0154] It is understandable that the user authentication record may include all authentication record information of the user. Taking the user authentication record as a credit report as an example, it usually includes basic information of the user, credit transaction information and other information. Among them, the credit transaction information also includes the historical business record information of the user in various business institutions, including the record address reported and authenticated by the user in various business institutions.

[0155] The computer device queries the user authentication record corresponding to the user identifier from the authentication record platform according to the user identifier, and obtains all the record addresses in the user authentication record. Further, the computer device can also filter the obtained record addresses. Among them, the filtering conditions can be preset conditions such as a preset time period, a regional range, an address type, etc. The filtering conditions can also be determined according to the business type or user type corresponding to the business request. For example, when the filtering conditions include a preset time period, the record addresses within the preset time period can be filtered according to the reporting time of each record address, such as the record addresses reported by the user within a time period of half a year, one year, etc. For example, when the filtering conditions include a regional range, the record addresses that meet the conditions are filtered according to the target area of ​​the target business corresponding to the business request. For example, when the filtering conditions include an address type, according to the user type corresponding to the user identifier in the business request, the record addresses that meet the conditions are filtered according to the address type corresponding to the user type, such as when the user type is an individual user, the record addresses with the address type of a residential address are filtered out.

[0156] After the computer device screens the record addresses that meet the address screening conditions, it then performs address approval verification on the input address in the business request based on the record addresses screened from the user authentication record.

[0157] In this embodiment, by filtering the record addresses queried from the user authentication records, the record addresses that do not meet the conditions can be effectively filtered out, and the filtered record addresses are subjected to address approval verification, thereby effectively improving the data processing efficiency during the address approval verification process.

[0158] In one embodiment, an address approval check is performed on the entry address in the business request based on the record address in the user authentication record, including: inputting each record address into a preset database for matching, and obtaining a matching result corresponding to each record address; comparing the matching result corresponding to each record address with the matching result corresponding to the entry address in the business request, and performing an address approval check on the entry address in the business request based on the comparison result.

[0159] After the computer device obtains the recorded address in the user authentication record corresponding to the user identifier, it inputs each of the obtained recorded addresses into the preset address database for matching, and obtains the address code corresponding to each recorded address, the address type corresponding to the address code, and the matching score value. Specifically, the matching method of the recorded address in the preset address database is the same as the matching method of the input address in the preset address data, which will not be repeated here.

[0160] After the computer device obtains the matching result of each recorded address in the preset address database, it then compares the matching result of each recorded address with the matching result of the entered address according to the address code corresponding to each recorded address, the address type corresponding to the address code and the matching score value, and the matching result corresponding to the entered address in the business request, and obtains the comparison result of each recorded address with the entered address, and then performs address approval verification on the entered address in the business request according to the comparison result to determine the verification result of the address approval verification.

[0161] In one embodiment, the matching results corresponding to each record address include an address code and a matching score value corresponding to each record address; the matching results corresponding to each record address are compared with the matching results corresponding to the entry address in the business request, and the address approval verification is performed on the entry address in the business request according to the comparison results, including: according to the matching score values ​​corresponding to each record address, the record addresses that meet the verification conditions are screened from each record address; the address codes corresponding to the screened record addresses are compared with the address codes in the matching results corresponding to the entry address in the business request; when any one of the screened record addresses passes the comparison, it is determined that the address approval verification of the entry address in the business request passes.

[0162] After the computer device obtains the matching result corresponding to each record address in the preset address database, it checks whether the matching score value of the record address meets the verification condition one by one, that is, screens out the record addresses whose matching score value reaches the preset matching threshold. Then, the screened record addresses whose matching score value meets the verification condition enter the next verification process.

[0163] The computer device compares the address codes corresponding to the filtered recorded addresses with the address codes in the matching results corresponding to the input addresses in the business request. Specifically, the address codes corresponding to the recorded addresses and the input addresses can be compared for consistency. If the address codes corresponding to the recorded addresses and the input addresses are consistent, it is determined that the address code comparison has passed.

[0164] When any one of the recorded addresses after screening exists in the matched record address, it is determined that the address approval verification of the input address in the business request has passed, which means that the matched record address is completely consistent with the address, for example.

[0165] In this embodiment, since the recorded address in the user authentication record is the authenticated address, when there is a recorded address that has passed the address review and verification in the user authentication record, it means that the address entered by the user in the service request page is real and valid, and it can be determined that the entered address meets the verification conditions of the target service. In this way, the address entered in the service request can be accurately and effectively verified automatically, effectively replacing the traditional method of manually reviewing the address, and greatly improving the verification accuracy and verification efficiency of the address verification.

[0166] In one embodiment, the above method also includes: when the approval verification of the input address in the business request passes, obtaining the address code and address information corresponding to the input address that passes the approval verification; storing the address code and address information in a structured manner; and the structured stored address code and address information are used to process associated business requests associated with the business request.

[0167] It is understood that the matching result obtained by matching the input address in the preset address database includes the matched address code, the address type corresponding to the address code and the matching score value, and may also include address information such as geographic location coordinate information. The address is structured and stored, that is, the address is stored as structured address information.

[0168] Among them, structured information, also known as structured data, refers to information that can be decomposed into multiple interrelated components after analysis. There is a clear hierarchical structure between each component. Its use and maintenance are managed through a database and have certain operating specifications. Structured data can be organized into row and column structures and is identifiable data. This type of data is usually a record, or a file, or a field in correctly labeled data, and can be accurately located.

[0169] When the address entered in the business request passes the approval verification, the computer device obtains the address code and address information corresponding to the address entered after the approval verification, and performs structured storage. Specifically, the computer device can store the address code and the corresponding address information in a corresponding database, such as a user information database, in a preset storage format.

[0170] The address code and address information after structured storage, namely structured address information, can be used to process the associated service request associated with the service request, for example, it can be used to analyze the user address distribution and other associated services.

[0171] In a specific embodiment, a specific address data processing method is provided. When a user fills in the service application information on the service request page through a corresponding user terminal, the CIF system obtains the input address filled in by the user on the service request page, and then performs a validity check on the input address. The process of performing the address validity check on the input address on the service request page can be the verification stage of the first stage address verification. Figure 6 FIG. 1 is a flowchart of performing address validity verification on an input address in one embodiment.

[0172] Specifically, during the validity check of the input address, the address area of ​​the input address is first detected to determine whether the address area of ​​the input address is within the target area corresponding to the target business to be applied for. If it is not within the target area, it is determined that the address validity check has failed. When the result of the address validity check is failed, a modification prompt message is generated to prompt the user to modify the input address, and continue to restart the validity check of the modified input address.

[0173] If the address area of ​​the input address is within the target area, the input address is matched with the preset keyword according to the preset keyword. If the preset keyword exists in the input address, that is, the characters in the input address hit the preset keyword, it is determined that the address validity check has failed.

[0174] If the preset keywords do not exist in the entered address, the validity check of the entered address will continue. Specifically, the entered address is input into the preset address database for matching, and then the matching result of the entered address in the preset address database is output. Among them, the preset address database can be an address information database, an address information database preset in the business system, or a connected external address information database. The matching result includes the address code corresponding to the entered address, the address type corresponding to the address code, and the matching score value of the address code. First, check whether the matching score value of the entered address meets the set matching threshold. If the matching score value does not reach the matching threshold, it is determined that the address validity check has failed.

[0175] If the match score reaches the match threshold, the address type of the entered address is further checked to see if it meets the requirements of the target business, or if it corresponds to the user type of the user ID. For example, if the user is an individual user, the address type is checked to see if it is a residential address. If the address type does not meet the requirements, the address validity check is determined to have failed.

[0176] If the address type meets the requirements, the address validity check of the entered address is determined to have passed. At this point, the user can continue to fill in the business application information on the business request page, or initiate a corresponding business request based on the filled-in business application information. At the same time, the matching result of the entered address in the preset address database can also be recorded. If the number of times the user has modified the entered address reaches the upper limit of the number of modifications, such as N times, no modification prompt information will be generated for the user to modify, and the user can continue to fill in the business application information on the business request page, or submit the business application form for the business request.

[0177] Furthermore, after the user submits the service request on the service request page, a service request can be generated based on the input address and service application information after the validity check. The computer device then obtains the service request, further processes the service request, and performs address approval verification on the input address in the service request. The process of performing address approval verification on the input address in the service request can be the verification stage of the second stage address verification. Figure 7 FIG. 1 is a flowchart of performing address approval verification on an address entered in a business request in one embodiment.

[0178] After obtaining the business request, the business application information in the business request can be firstly subjected to risk control verification, and specifically, the business application information can be subjected to risk control verification according to the risk control policy corresponding to the target business. If the risk control verification fails, the business request is directly rejected.

[0179] When the risk control check is passed, the address approval check is performed on the input address in the business request. Specifically, the user authentication record corresponding to the user ID is queried from the authentication record platform according to the user ID, and all the recorded addresses recorded in the user authentication record are obtained. First, all the input addresses are filtered according to the preset filtering conditions, for example, according to the preset time period, the recorded addresses within the current preset time period are filtered. If there is no recorded address that meets the filtering conditions in the recorded address, it is determined that the address approval check has failed.

[0180] Then, the filtered record addresses are input into the preset address database for matching, and the matching results corresponding to each record address are obtained. The matching results include the address code corresponding to each record address and the matching score value corresponding to the address code. Next, the matching score value corresponding to each record address is detected in turn to see if it meets the verification condition. If there is no record address in the record address whose matching score value does not meet the verification condition, it is determined that the address approval verification fails.

[0181] If there is any record address in the record address whose matching score value meets the verification conditions, the address code corresponding to the record address whose matching score value meets the verification conditions is further matched, and the address code corresponding to the entered address is compared with the address code. If there is any record address whose address code is consistent with the address code corresponding to the entered address, the address approval verification is determined to have passed, and the address code and address information corresponding to the record address are stored in a structured manner.

[0182] If there is no record address with the same address code as the entered address, it is determined that the address approval check fails.

[0183] In this embodiment, through the above two stages of address verification, the validity of the input address entered in the business request page can be verified in a timely and efficient manner to ensure that the input address entered by the user is authentic and valid. When the validity verification passes, the address entered in the business request is then verified for address approval, thereby accurately and effectively verifying whether the input address in the business request is a real, reliable and valid address corresponding to the user identifier. In this way, the address entered in the business request can be verified accurately and effectively, effectively replacing the traditional method of manually reviewing the address, and greatly improving the verification accuracy and verification efficiency of the address verification.

[0184] The present application also provides an application scenario, which applies the above-mentioned address data processing method. Specifically, an application corresponding to the target business is run in the user terminal, or a corresponding business system website is accessed, such as a banking business system corresponding to each bank. The user can trigger a business application request for the business to be applied for in the application through the user terminal, and then display the business request page according to the business application request to be applied. Taking the business to be applied for as an example of a personal loan limit application business, the limit application form is displayed on the business request page, so that the user can fill in the business application information required in the limit application form on the business request page.

[0185] After the user fills in the address information on the credit application form, the CIF system obtains the address filled in by the user and performs an address validity check on the address filled in to verify whether the address filled in by the user is a residential address and whether it is a real and valid address code. The specific verification steps include the following:

[0186] (1) Perform keyword detection on the input address; that is, match the input address with preset keywords. If the input address does not match the preset keywords, the address validity check is determined to have failed;

[0187] (2) Check the matching score value of the entered address: match the entered address that has passed the verification in step 1 with the address data database, query the parsing result of the entered address in the address data database, and obtain the address code corresponding to the entered address and the corresponding matching score value by matching the corresponding address fields. If the matching score value does not meet the requirements, such as not reaching the matching threshold, the address validity check is determined to have failed;

[0188] (3) Checking the address type of the entered address: For the entered address that has passed the verification in step 2, check the address type of the address code corresponding to the entered address to determine whether the address type is a residential address; if the address type is a non-residential address, the address validity check is determined to have failed.

[0189] If the address validity check fails in any of the above steps, a modification prompt message is generated and displayed on the business request page to prompt the user to modify the address and continue to re-check the address validity of the modified input address.

[0190] When all the above verification steps are passed, it is determined that the address validity check is passed, and the user is allowed to continue the business application process, and the matching result corresponding to the input address filled in by the user is recorded.

[0191] After the user submits the credit application form on the service request page through the corresponding user terminal, the corresponding service request is generated and submitted. Furthermore, after the user submits the credit application form through the corresponding user terminal, the request status page corresponding to the service request can also be displayed on the interface of the user terminal, such as Figure 8 The following is a request status page corresponding to a business request in an embodiment. After the business system obtains the business request, it first performs a risk control check on the business application information in the business request, that is, performs a credit risk control rule approval check. After passing the check, it enters the address approval check process for the address entered in the business request, which specifically includes the following verification steps:

[0192] (1) Based on the user ID in the business request, the credit information report corresponding to the user ID is queried from the authentication record platform. First, it is verified whether there is address information that meets the conditions in the credit information report: According to the preset screening conditions, the record addresses that meet the screening conditions are screened from the credit information report. For example, according to the reporting time of the record address, only the record addresses within X days from the current day are selected, where X is a configuration item.

[0193] (2) Parse the recorded address in the address data database: match the recorded addresses that meet the conditions after screening with the address data database; if there are multiple addresses, match them one by one and output the matching results. The matching results include the address code corresponding to each recorded address and the matching score value corresponding to the address code.

[0194] (3) Screening the input addresses according to the matching score value: Checking the matching score values ​​of all recorded addresses one by one to see if they meet the set requirements, and entering the next process with the recorded addresses that meet the requirements;

[0195] (4) Compare the recorded address with the address entered in the business request: Compare the address code corresponding to the screened recorded address with the address code corresponding to the recorded address in the business request. If there is any recorded address with the same address code, the address approval verification is passed;

[0196] If the verification process in any of the above steps fails, the address approval verification is judged to have failed, which means that the automated address verification process has failed. If the verification processes in the above steps all pass, the address approval verification is judged to have passed, and the process ends. At the same time, the structured address information corresponding to the address entered through the verification is stored. After the address approval verification process ends, the approval verification result is sent to the user terminal corresponding to the user ID and displayed.

[0197] In this embodiment, during the process of applying for a service, the user does not need to issue / prepare address proof documents, which simplifies the service application process and can perform address verification in real time without the user having to wait, thereby effectively realizing automated address verification and eliminating the need to occupy operational human resources to manually review the authenticity and validity of the address, effectively reducing labor costs while effectively improving the accuracy and efficiency of address verification.

[0198] It should be understood that although Figure 2 , 4 The steps in the flowchart of , 5 are shown in sequence as indicated by the arrows, but these steps are not necessarily executed in the order indicated by the arrows. Unless otherwise specified in this document, there is no strict order restriction for the execution of these steps, and these steps can be executed in other orders. Moreover, Figure 2 , 4 At least part of the steps in 5 may include multiple steps or multiple stages. These steps or stages are not necessarily performed at the same time, but can be performed at different times. The execution order of these steps or stages is not necessarily sequential, but can be performed in turn or alternately with other steps or at least part of the steps or stages in other steps.

[0199] In one embodiment, Fig. 9 As shown, an address data processing device 900 is provided. The device can adopt a software module or a hardware module, or a combination of the two to become a part of a computer device. The device specifically includes: a data acquisition module 902, an address validity verification module 904, a data query module 906 and an address approval verification module 908, wherein:

[0200] The data acquisition module 902 is used to acquire the entry address entered in the service request page based on the user identification;

[0201] The address validity check module 904 is used to obtain the matching result of the input address in the preset address database, and perform address validity check on the input address according to the matching result;

[0202] The data acquisition module 902 is also used to acquire a business request generated based on the input address after the validity check passes; the business request carries a user identifier;

[0203] The data query module 906 is used to query the user authentication record corresponding to the user identifier from the authentication record platform;

[0204] The address approval verification module 908 is used to perform address approval verification on the input address in the business request according to the record address in the user authentication record.

[0205] In one embodiment, the business request is a business request for a target business; the address validity check module 904 is also used to detect the address area of ​​the entered address; the address area is compared with the target area corresponding to the target business; when the address area of ​​the entered address is not within the range of the target area, it is determined that the validity check of the entered address has failed, and a corresponding modification prompt message is generated; wherein the modification prompt message is used to indicate that the entered address is modified through the user terminal corresponding to the user identifier.

[0206] In one embodiment, the address validity check module 904 is also used to match the entered address with preset keywords; when the preset keywords exist in the entered address, it is determined that the validity check of the entered address has failed, and a corresponding modification prompt message is generated; wherein the modification prompt message is used to indicate that the entered address is modified through the user terminal corresponding to the user identifier.

[0207] In one embodiment, the address validity verification module 904 is also used to input the entered address into a preset address database for matching, and obtain a matching result including the address code corresponding to the entered address, the address type corresponding to the address code, and the matching score value; perform address validity verification on the entered address according to the address type and the matching score value; when the address type matches the target type and the matching score value reaches the matching threshold, it is determined that the validity verification corresponding to the entered address has passed.

[0208] In one embodiment, the data acquisition module 902 is also used to generate corresponding modification prompt information when the validity check of the input address fails; obtain the input address modified according to the modification prompt information, and perform address validity check on the modified input address.

[0209] In one embodiment, the data acquisition module 902 is also used to obtain the entry address entered in the process of entering the business application information corresponding to the target business on the business request page through the user terminal; the business request page is triggered based on the application instruction of the target business; the modification prompt information is displayed in the business request page through the user terminal; the modified entry address entered in the business request page through the user terminal is obtained, and the address validity check is performed on the modified entry address; until the validity check of the modified entry address passes, a business request corresponding to the target business is generated according to the entry address after the address validity check passes and the entered business application information.

[0210] In one embodiment, the data acquisition module 902 is also used to extract the entry address entered in the business request page based on the user identifier from the acquired business request; trigger the generation of the address modification page according to the modification prompt information; obtain the modified entry address entered in the address modification page based on the user identifier, and update the business request according to the modified entry address; the address validity verification module is also used to perform address validity verification on the modified entry address in the updated business request.

[0211] In one embodiment, the address approval verification module 908 is also used to perform risk control verification on the business application information in the business request according to a preset risk control strategy; when the risk control verification passes, the user authentication record corresponding to the user identifier is queried from the authentication record platform.

[0212] In one embodiment, the address approval verification module 908 is further used to filter record addresses that meet the address filtering conditions from the user authentication records; and perform address approval verification on the input address in the business request based on the record addresses filtered from the user authentication records.

[0213] In one embodiment, the address approval verification module 908 is also used to input each recorded address into a preset database for matching, and obtain matching results corresponding to each recorded address; the matching results corresponding to each recorded address are compared with the matching results corresponding to the input address in the business request, and the address approval verification is performed on the input address in the business request according to the comparison results.

[0214] In one embodiment, the matching result corresponding to each record address includes an address code and a matching score value corresponding to each record address; the address approval verification module 908 is further used to filter out the record addresses that meet the verification conditions from each record address according to the matching score value corresponding to each record address; the address codes corresponding to the filtered record addresses are respectively compared with the address codes in the matching results corresponding to the entry addresses in the business request; when there is any record address that passes the comparison among the filtered record addresses, it is determined that the address approval verification of the entry address in the business request has passed.

[0215] In one embodiment, the above-mentioned address data processing device 900 also includes a data storage module, which is used to obtain the address code and address information corresponding to the input address that has passed the approval verification after the approval verification of the input address in the business request; the address code and address information are structured for storage; the structured stored address code and address information are used to process associated business requests associated with the business request.

[0216] For the specific definition of the address data processing device, please refer to the definition of the address data processing method above, which will not be repeated here. Each module in the above-mentioned address data processing device can be implemented in whole or in part by software, hardware and a combination thereof. Each of the above-mentioned modules can be embedded in or independent of the processor in the computer device in the form of hardware, or can be stored in the memory of the computer device in the form of software, so that the processor can call and execute the operations corresponding to each of the above modules.

[0217] In one embodiment, a computer device is provided. The computer device may be a server, and its internal structure diagram may be as follows: Fig.10 As shown. The computer device includes a processor, a memory and a network interface connected through a system bus. Among them, the processor of the computer device is used to provide computing and control capabilities. The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system, a computer program and a database. The internal memory provides an environment for the operation of the operating system and the computer program in the non-volatile storage medium. The database of the computer device is used to store data such as entry addresses, business application information, business requests, user authentication records, and recorded addresses. The network interface of the computer device is used to communicate with an external terminal through a network connection. When the computer program is executed by the processor, an address data processing method is implemented.

[0218] Those skilled in the art will understand that Fig.10 The structure shown in the figure is only a block diagram of a part of the structure related to the solution of the present application, and does not constitute a limitation on the computer device to which the solution of the present application is applied. The specific computer device may include more or fewer components than those shown in the figure, or combine certain components, or have a different arrangement of components.

[0219] In one embodiment, a computer device is further provided, including a memory and a processor, wherein a computer program is stored in the memory, and the processor implements the steps in the above method embodiments when executing the computer program.

[0220] In one embodiment, a computer-readable storage medium is provided, storing a computer program, which implements the steps in the above method embodiments when executed by a processor.

[0221] In one embodiment, a computer program product or computer program is provided, the computer program product or computer program includes computer instructions, the computer instructions are stored in a computer-readable storage medium. A processor of a computer device reads the computer instructions from the computer-readable storage medium, and the processor executes the computer instructions, so that the computer device performs the steps in the above-mentioned method embodiments.

[0222] Those of ordinary skill in the art can understand that all or part of the processes in the above-mentioned embodiment methods can be completed by instructing the relevant hardware through a computer program, and the computer program can be stored in a non-volatile computer-readable storage medium. When the computer program is executed, it can include the processes of the embodiments of the above-mentioned methods. Among them, any reference to memory, storage, database or other media used in the embodiments provided in the present application can include at least one of non-volatile and volatile memory. Non-volatile memory can include read-only memory (ROM), magnetic tape, floppy disk, flash memory or optical memory, etc. Volatile memory can include random access memory (RAM) or external cache memory. As an illustration and not limitation, RAM can be in various forms, such as static random access memory (SRAM) or dynamic random access memory (DRAM).

[0223] The technical features of the above embodiments may be arbitrarily combined. To make the description concise, not all possible combinations of the technical features in the above embodiments are described. However, as long as there is no contradiction in the combination of these technical features, they should be considered to be within the scope of this specification.

[0224] The above-mentioned embodiments only express several implementation methods of the present application, and the descriptions thereof are relatively specific and detailed, but they cannot be understood as limiting the scope of the invention patent. It should be pointed out that, for a person of ordinary skill in the art, several variations and improvements can be made without departing from the concept of the present application, and these all belong to the protection scope of the present application. Therefore, the protection scope of the patent of the present application shall be subject to the attached claims.

Claims

1. A method for processing address data, characterized in that: The method comprises: Acquire the service application information entered in the service request page based on the user identification, wherein the service application information includes the entry address; Obtaining a matching result of the input address in a preset address database, and performing an address validity check on the input address according to the matching result; When the validity check passes, obtaining a service request generated based on the input address after the validity check passes; the service request carries the user identifier; Performing risk control verification on the business application information in the business request according to a preset risk control strategy corresponding to the business type of the business request to obtain a risk score for the business request; When the risk score meets the risk control condition, query the user authentication record corresponding to the user identifier from the authentication record platform, the authentication record platform is a service platform for authenticating the user's credit, and the record address in the user authentication record is an address authenticated in the authentication record platform; According to the recorded address in the user authentication record, an address approval check is performed on the input address in the service request.

2. The method according to claim 1, characterized in that The business request is a business request for a target business; before obtaining a matching result of the input address in a preset address database, the method further includes: Detecting the address area of ​​the input address; Comparing the address area with the target area corresponding to the target business; When the address area of ​​the input address is not within the range of the target area, it is determined that the validity check of the input address has failed, and a corresponding modification prompt message is generated; The modification prompt information is used to instruct the user terminal corresponding to the user identifier to modify the input address.

3. The method according to claim 1, characterized in that Before obtaining the matching result of the input address in the preset address database, the method further includes: Matching the input address with preset keywords; When the preset keyword exists in the input address, it is determined that the validity check of the input address has failed, and corresponding modification prompt information is generated.

4. The method according to claim 1, characterized in that: The obtaining a matching result of the input address in a preset address database, and performing an address validity check on the input address according to the matching result, includes: Input the input address into a preset address database for matching, and obtain a matching result including an address code corresponding to the input address, an address type corresponding to the address code, and a matching score value; Performing an address validity check on the input address according to the address type and the matching score value; When the address type matches the target type and the matching score value reaches the matching threshold, it is determined that the validity check corresponding to the input address has passed.

5. The method according to claim 4, characterized in that The method further comprises: When the validity check of the input address fails, a corresponding modification prompt message is generated; The input address modified according to the modification prompt information is obtained, and the address validity check is performed on the modified input address.

6. The method according to claim 5, characterized in that The obtaining of the input address entered in the service request page based on the user identifier includes: In the process of entering the business application information corresponding to the target business on the business request page based on the user identifier, obtaining the entered entry address; the business request page is triggered based on the application instruction of the target business; The obtaining of the input address modified according to the modification prompt information and performing address validity verification on the modified input address includes: Displaying the modification prompt information in the business request page; Acquire the modified entry address entered in the service request page, and perform address validity verification on the modified entry address; Until the validity check of the modified input address passes, a business request corresponding to the target business is generated according to the input address after the address validity check passes and the input business application information.

7. The method according to claim 5, characterized in that The obtaining of the input address entered in the service request page based on the user identifier includes: Extracting, from the acquired business request, an entry address entered in the business request page based on the user identifier; The obtaining of the input address modified according to the modification prompt information and performing address validity verification on the modified input address includes: Triggering generation of an address modification page according to the modification prompt information; Acquire a modified entry address entered in the address modification page based on the user identifier, and update the service request according to the modified entry address; An address validity check is performed on the modified entry address in the updated business request.

8. The method according to claim 1, characterized in that The performing address approval verification on the input address in the service request according to the record address in the user authentication record includes: Filtering the record addresses that meet the address filtering condition from the user authentication records; According to the record address screened from the user authentication record, an address approval check is performed on the input address in the business request.

9. The method according to claim 1, characterized in that: The performing address approval verification on the input address in the service request according to the record address in the user authentication record includes: Input each of the recorded addresses into the preset database for matching, and obtain matching results corresponding to each of the recorded addresses; The matching results corresponding to the recorded addresses are compared with the matching results corresponding to the input addresses in the business request, and the address approval verification is performed on the input addresses in the business request according to the comparison results.

10. The method according to claim 9, characterized in that The matching results corresponding to the recorded addresses include address codes and matching score values ​​corresponding to the recorded addresses; the matching results corresponding to the recorded addresses are respectively compared with the matching results corresponding to the input addresses in the business request, and address approval verification is performed on the input addresses in the business request according to the comparison results, including: According to the matching score value corresponding to each of the record addresses, a record address that meets the verification condition is selected from each of the record addresses; Compare the address codes corresponding to the filtered record addresses with the address codes in the matching results corresponding to the input addresses in the business request; When any one of the recorded addresses that has passed the comparison exists among the screened recorded addresses, it is determined that the address approval verification of the input address in the business request has passed.

11. The method according to any one of claims 1 to 10, characterized in that: The method further comprises: When the approval verification of the input address in the business request passes, obtaining the address code and address information corresponding to the input address that passes the approval verification; The address code and the address information are stored in a structured manner; the address code and the address information stored in the structured manner are used to process an associated service request associated with the service request.

12. An address data processing device, characterized in that: The device comprises: A data acquisition module, used to acquire the service application information entered in the service request page based on the user identification, wherein the service application information includes an entry address; An address validity verification module, used to obtain a matching result of the input address in a preset address database, and perform an address validity verification on the input address according to the matching result; The data acquisition module is also used to acquire a service request generated based on the input address after the validity check passes, and the service request carries the user identifier; An address approval verification module is used to perform risk control verification on the business application information in the business request according to a preset risk control strategy corresponding to the business type of the business request to obtain a risk score for the business request; A data query module, configured to query a user authentication record corresponding to the user identifier from an authentication record platform when the risk score meets the risk control condition, wherein the authentication record platform is a service platform for authenticating user credit, and the record address in the user authentication record is an address authenticated in the authentication record platform; The address approval verification module is used to perform address approval verification on the input address in the business request according to the record address in the user authentication record.

13. The device according to claim 12, characterized in that The business request is a business request for a target business; the address validity verification module is further used to detect the address area of ​​the entered address; compare the address area with the target area corresponding to the target business; when the address area of ​​the entered address is not within the range of the target area, it is determined that the validity check of the entered address has failed, and corresponding modification prompt information is generated; wherein the modification prompt information is used to instruct the user terminal corresponding to the user identifier to modify the entered address.

14. The device according to claim 12, characterized in that The address validity check module is also used to match the input address with a preset keyword; when the preset keyword exists in the input address, it is determined that the validity check of the input address has failed, and a corresponding modification prompt message is generated.

15. The device according to claim 12, characterized in that The address validity verification module is also used to input the entered address into a preset address database for matching, and obtain a matching result including the address code corresponding to the entered address, the address type corresponding to the address code, and a matching score value; perform address validity verification on the entered address according to the address type and the matching score value; when the address type matches the target type and the matching score value reaches a matching threshold, it is determined that the validity verification corresponding to the entered address has passed.

16. The device according to claim 12, characterized in that The data acquisition module is also used to generate corresponding modification prompt information when the validity check of the input address fails; obtain the input address modified according to the modification prompt information, and perform address validity check on the modified input address.

17. The device according to claim 12, characterized in that The data acquisition module is also used to acquire the input address entered in the process of entering the business application information corresponding to the target business on the business request page based on the user identifier; the business request page is triggered based on the application instruction of the target business; display the modification prompt information on the business request page; acquire the modified input address entered in the business request page, and perform address validity check on the modified input address; Until the validity check of the modified input address passes, a business request corresponding to the target business is generated according to the input address after the address validity check passes and the input business application information.

18. The device according to claim 12, characterized in that The data acquisition module is also used to extract the entry address entered in the business request page based on the user identifier from the acquired business request; The address validity verification module is also used to trigger the generation of an address modification page according to the modification prompt information; obtain the modified entry address entered in the address modification page based on the user identifier, and update the service request according to the modified entry address; An address validity check is performed on the modified entry address in the updated business request.

19. The device according to claim 12, characterized in that The address approval verification module is also used to filter record addresses that meet address screening conditions from the user authentication records; and perform address approval verification on the input address in the business request based on the record addresses filtered from the user authentication records.

20. The device according to claim 12, characterized in that The address approval verification module is also used to input each of the recorded addresses into the preset database for matching, and obtain matching results corresponding to each of the recorded addresses; compare the matching results corresponding to each of the recorded addresses with the matching results corresponding to the input addresses in the business request, and perform address approval verification on the input addresses in the business request based on the comparison results.

21. The device according to claim 12, characterized in that The matching results corresponding to each of the record addresses include address codes and matching score values ​​corresponding to each of the record addresses; the address approval verification module is further used to filter out record addresses that meet verification conditions from each of the record addresses according to the matching score values ​​corresponding to each of the record addresses; the address codes corresponding to the filtered record addresses are compared with the address codes in the matching results corresponding to the entry addresses in the business request; when there is any record address that passes the comparison among the filtered record addresses, it is determined that the address approval verification of the entry address in the business request has passed.

22. The device according to any one of claims 12 to 21, characterized in that The device also includes: A data storage module is used to obtain the address code and address information corresponding to the input address that has passed the approval verification when the input address in the business request has passed the approval verification; the address code and the address information are structured for storage; the address code and the address information stored in the structured storage are used to process the associated business request associated with the business request.

23. A computer device comprising a memory and a processor, wherein the memory stores a computer program, wherein: When the processor executes the computer program, the steps of the method according to any one of claims 1 to 11 are implemented.

24. A computer-readable storage medium storing a computer program, characterized in that: When the computer program is executed by a processor, the steps of the method according to any one of claims 1 to 11 are implemented.

25. A computer program product, comprising a computer program, characterized in that When the computer program is executed by a processor, the steps of the method according to any one of claims 1 to 11 are implemented.

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