A method and device for identifying urban and rural attributes of a bank customer according to an address

Abstract

The application provides a method and device for identifying urban and rural attributes of a bank customer according to an address, which comprises the following steps: constructing a standard information base, matching and supplementing the address registered by the customer with the standard five-level administrative division address base to obtain a standardized address, directly outputting the standardized address if the standardized address is a standard five-level administrative division address, otherwise, calling an open-source geographic coding method base Geocoder to obtain longitude and latitude information of the address registered by the customer, and obtaining a standard five-level administrative division address as the standardized address through administrative division matching and longitude and latitude matching, and mapping the standardized address to the standard information base to obtain a corresponding urban and rural division code. The application can accurately identify the urban and rural attributes of the bank customer, so that the bank can more effectively manage risks and also provide more accurate financial services for rural areas.

Description

Technical Field

[0001] This invention relates to the field of computer technology, and more specifically, to a method and apparatus for identifying the urban / rural attributes of bank customers based on their addresses. Background Technology

[0002] In financial operations, especially bank lending, there are strict requirements regarding the urban / rural status of customers. For example, agricultural loans require that the borrower be a rural resident or rural enterprise, which necessitates that banks accurately identify the customer's urban / rural status during loan approval. However, in practice, due to potential issues such as incomplete or non-standardized address information registered by customers, and the lack of uniform definitions of urban / rural boundaries, banks often struggle to accurately identify a customer's urban / rural status, thus posing risks to their operations.

[0003] Recently, the People's Bank of China issued a supplementary explanation to the "Special Statistical System for Agricultural Loans," requiring all reporting institutions to standardize their reporting criteria, especially providing clear and unified definitions for urban and rural areas.

[0004] Currently, the industry relies primarily on manual registration to classify customers by urban or rural status, and there is no unified standard. This means that it is extremely difficult to accurately classify the urban or rural status of millions of customers, let alone determine the status of a single household. Furthermore, it is impossible to guarantee accuracy. This fundamentally fails to meet the requirements of the People's Bank of China for relevant agricultural statistics, and it also fails to meet the requirements of the banking industry for the accuracy of relevant data. Summary of the Invention

[0005] In view of the above problems, the present invention provides a method and device for identifying the urban / rural attributes of bank customers based on their addresses.

[0006] To address the aforementioned technical problems, in a first aspect, the present invention provides a method for identifying the urban / rural attributes of bank customers based on their addresses, comprising:

[0007] A standard information database is constructed, which is used to store standard information on five levels of administrative divisions, urban and rural codes corresponding to administrative divisions, and latitude and longitude information of neighborhood committees or village committees.

[0008] The system receives the registered address from the customer and matches and supplements it with the standard five-level administrative division address database to obtain a standardized address. It then verifies whether the standardized address is a standard five-level administrative division address. If the standardized address is a standard five-level administrative division address, it outputs the standardized address directly. Otherwise, it calls the open-source geocoding library Geocoder to obtain the latitude and longitude information of the registered address from the customer, and obtains the standard five-level administrative division address as the standardized address output through administrative division matching and latitude and longitude matching.

[0009] The standardized addresses are mapped to a standard information database to obtain the corresponding urban-rural classification codes;

[0010] The urban / rural attribute identification result of the customer's registered address is generated based on the obtained urban / rural classification code.

[0011] Furthermore, the specific method for matching and supplementing the customer's registered address with the standard five-level administrative division address database is as follows:

[0012] Remove irrelevant characters from the customer's registered address and convert all text in the customer's registered address to a standard format;

[0013] Replace common keywords in the converted address with standardized keywords;

[0014] The replaced address is divided into several parts according to a preset method;

[0015] Each segment is matched sequentially with the five-level administrative division standard information stored in the standard information database, and any missing information is added to the address.

[0016] Furthermore, the standard five-level administrative division address is obtained through administrative division matching and latitude / longitude matching:

[0017] The minimum administrative division is obtained by matching the administrative divisions, and all village committees or neighborhood committees with the same name as the address registered by the customer within the minimum administrative division are obtained.

[0018] The latitude and longitude of the customer's registered address are compared with the latitude and longitude of all neighborhood committees or village committees with the same name, and village committees or neighborhood committees that do not match are filtered out.

[0019] The latitude and longitude information of the selected village committees or neighborhood committees and the latitude and longitude information of the customer's registered address are used to calculate the spherical distance using the Haward formula. The village committee or neighborhood committee closest to the customer's registered address is then obtained and output as the standardized address.

[0020] Furthermore, a finite state machine is used to verify whether the standardized address is a standard five-level administrative division address.

[0021] Furthermore, it also includes generating anomaly reports by statistically analyzing unidentified addresses.

[0022] In a second aspect, the present invention provides a device for identifying the urban / rural attributes of bank customers based on their addresses, comprising:

[0023] The standard library construction module is used to build a standard information library, which is used to store standard information on five levels of administrative divisions, urban and rural codes corresponding to administrative divisions, and latitude and longitude information of neighborhood committees or village committees;

[0024] The address standardization module receives the address registered by the customer, matches and supplements it with the standard five-level administrative division address database to obtain a standardized address, and verifies whether the standardized address is a standard five-level administrative division address. If the standardized address is a standard five-level administrative division address, the standardized address is output directly; otherwise, the open-source geocoding library Geocoder is called to obtain the latitude and longitude information of the address registered by the customer, and the standard five-level administrative division address is obtained through administrative division matching and latitude and longitude matching as the standardized address output.

[0025] The address matching module is used to map the standardized address to a standard information database in order to obtain the corresponding urban-rural classification code;

[0026] The results output module generates urban / rural attribute identification results for the customer's registered address based on the obtained urban / rural classification code.

[0027] Furthermore, the specific method for matching and supplementing the customer's registered address with the standard five-level administrative division address database is as follows:

[0028] Remove irrelevant characters from the customer's registered address and convert all text in the customer's registered address to a standard format;

[0029] Replace common keywords in the converted address with standardized keywords;

[0030] The replaced address is divided into several parts according to a preset method;

[0031] Each segment is matched sequentially with the five-level administrative division standard information stored in the standard information database, and any missing information is added to the address.

[0032] Furthermore, the standard five-level administrative division address is obtained through administrative division matching and latitude / longitude matching:

[0033] The minimum administrative division is obtained by matching the administrative divisions, and all village committees or neighborhood committees with the same name as the address registered by the customer within the minimum administrative division are obtained.

[0034] The latitude and longitude of the customer's registered address are compared with the latitude and longitude of all neighborhood committees or village committees with the same name, and village committees or neighborhood committees that do not match are filtered out.

[0035] The latitude and longitude information of the selected village committees or neighborhood committees and the latitude and longitude information of the customer's registered address are used to calculate the spherical distance using the Haward formula. The village committee or neighborhood committee closest to the customer's registered address is then obtained and output as the standardized address.

[0036] Furthermore, the address standardization module verifies whether the standardized address is a standard five-level administrative division address through a finite state machine.

[0037] Furthermore, the result output module is also used to generate anomaly report statistics for unidentified addresses. Compared with the prior art, the beneficial effects of the present invention include: the present invention stores standard information on five levels of administrative divisions, corresponding urban and rural codes for administrative divisions, and latitude and longitude information of neighborhood committees or village committees by constructing a standard information database. Combined with the application of geocoding information services and the Haward formula, it can accurately identify the urban and rural attributes of bank customers, helping banks and other financial institutions ensure that their business operations, such as the disbursement of agricultural loans, comply with national statistical standards and relevant policy requirements. It can also enable banks to manage risks more effectively and provide more accurate financial services to rural areas. The present invention does not require additional purchase of new application systems and a large investment of manpower, and can greatly improve the accuracy and identification efficiency of urban and rural attribute classification of bank customers while reducing usage and maintenance costs. Attached Figure Description

[0038] Figure 1 This is a flowchart illustrating a method for identifying the urban / rural attributes of bank customers based on their addresses, according to an embodiment of the present invention.

[0039] Figure 2 This is a schematic diagram of the structure of a device for identifying the urban / rural attributes of bank customers based on their addresses, according to an embodiment of the present invention. Detailed Implementation

[0040] The present invention will be further illustrated below with reference to the accompanying drawings and specific embodiments. These embodiments are implemented based on the technical solutions of the present invention, and it should be understood that these embodiments are only used to illustrate the present invention and are not intended to limit the scope of the present invention.

[0041] like Figure 1 As shown, this embodiment of the invention provides a method for identifying the urban / rural attributes of bank customers based on their addresses, including:

[0042] A standard information database is constructed to store standard information on five levels of administrative divisions, corresponding urban and rural codes for administrative divisions, and latitude and longitude information of neighborhood committees or village committees. The so-called five levels of administrative regions refer to: Level 1: Province, such as Anhui Province (34); Level 2: City, such as Fuyang City (12); Level 3: District / County, such as Linquan County (21); Level 4: In cities, it generally refers to street offices, while in rural areas it refers to townships or towns, such as Yangqiao Town (101); Level 5: In cities, it generally refers to communities, usually various neighborhood committees, while in rural areas it refers to villages, usually village committees, such as Guogou Village Committee (204). The standard fifth-level administrative region address is: Guogou Village Committee, Yangqiao Town, Linquan County, Fuyang City, Anhui Province (statistical administrative division code: 341221101204). Its corresponding urban-rural classification code is 220. According to the classification codes (111 represents the main urban area, 112 represents the urban-rural fringe area, 121 represents the town center area, 122 represents the town-township fringe area, 123 represents special areas; 210 represents the township center area, 220 represents the village), Guogou Village Committee, Yangqiao Town, Linquan County, Fuyang City, Anhui Province is a village and belongs to the rural area. Based on the more than 600,000 neighborhood committees and village committees nationwide in the administrative division code database, the latitude and longitude information of all neighborhood committees and village committees can be obtained and saved as a national standard database of neighborhood committee and village committee latitude and longitude. This standard information database can be regularly updated with the latest information released by the National Bureau of Statistics to ensure the timeliness and accuracy of the data.

[0043] The system receives the registered address from the customer and matches and supplements it with the standard five-level administrative division address database to obtain a standardized address.

[0044] Specifically, the method for matching and supplementing the customer's registered address with the standard five-level administrative division address database is as follows:

[0045] Remove irrelevant characters from the customer's registered address and convert all text in the address to a standard format. For example, if the customer's registered address is "Anhui Linquan County - Guogou Village", convert it to "Anhui Linquan County Guogou Village".

[0046] Replace common keywords in the converted address with standardized keywords. For example, change "Guogou Village, Linquan County, Anhui Province" to "Guogou Village Committee, Linquan County, Anhui Province".

[0047] The replaced address is divided into several parts according to a preset method. For example, "Guogou Village Committee, Linquan County, Anhui Province" is divided into "Anhui Province", "Linquan County", and "Guogou Village Committee".

[0048] The divided parts are sequentially matched with the five-level administrative division standard information stored in the standard information database, and any missing information is added to the address. For example, by matching "Anhui Province," "Linquan County," and "Guogou Village Committee" in the five-level administrative division code database, we can find the jurisdiction of Linquan County, Anhui Province. Among all the villages and towns, there is only one Guogou Village Committee. This yields the standardized address. For instance, based on the matching result of "Anhui Province," "Linquan County," and "Guogou Village Committee," the standard five-level administrative division address "Guogou Village Committee, Yangqiao Town, Linquan County, Fuyang City, Anhui Province" can be output.

[0049] The system verifies whether the standardized address is a standard Level 5 administrative division address. If it is, the standardized address is directly output. Otherwise, the open-source geocoding library Geocoder is used to obtain the latitude and longitude information of the customer's registered address. This latitude and longitude matching is then used to obtain the standard Level 5 administrative division address as the standardized address output. Specifically, administrative division matching refers to matching the administrative division of the customer's registered address with the Level 5 administrative division standard information stored in the standard information database. Latitude and longitude matching refers to matching the latitude and longitude information of the customer's registered address obtained by calling the open-source geocoding library Geocoder with the latitude and longitude information of the neighborhood committee or village committee stored in the standard information database.

[0050] Specifically, a finite state machine (FSM) can be used to verify whether a standardized address is a standard five-level administrative division address. A finite state machine (FSM) is a mathematical model in computational theory. Its workflow is as follows: given an input string, the FSM starts from an initial state and transitions character by character from one state to another based on the input letters and the current transition function. If the input string is processed and the FSM is in an accepting state, the input string is considered accepted; otherwise, it is considered rejected. For example, in the standard five-level administrative division address "Guogou Village Committee, Yangqiao Town, Linquan County, Fuyang City, Anhui Province," the initial state is "province." If the next phrase is related to a city name, it enters the next state, "city." When the finite state machine can transition from the "province" state to the "community" state, the address verification is considered successful; otherwise, the verification fails.

[0051] Geocoder is a Python library that provides a simple interface to access the APIs of multiple geocoding services, including Google Maps, OpenStreetMap, and Bing Maps. Using Geocoder, you can input a normalized address and obtain its latitude and longitude information.

[0052] The above method of obtaining standard five-level administrative division addresses through administrative division matching and latitude / longitude matching is as follows:

[0053] The system matches the lowest administrative division to obtain the minimum administrative division and then retrieves all village committees or neighborhood committees within that minimum administrative division that share the same name as the address registered by the client. For example, if the lowest administrative division obtained by matching the administrative division is a county, then all village committees or neighborhood committees with the same name within that county will be retrieved as potential village committees or neighborhood committees.

[0054] The latitude and longitude of the customer's registered address are compared with the latitude and longitude of all the aforementioned neighborhood committees or village committees with the same name, and village committees or neighborhood committees with obvious mismatches are filtered out. Specifically, all village committees and neighborhood committees with a latitude and longitude difference of more than 1 degree of longitude (approximately 70-110km within China) or 1 degree of latitude (110km) are filtered out.

[0055] The latitude and longitude information of the selected village committees or neighborhood committees, along with the latitude and longitude information of the customer's registered address, are used to calculate the spherical distance using the Haversine formula. This yields the village committee or neighborhood committee closest to the customer's registered address, which is then output as the standardized address. Specifically, the Haversine formula is used to calculate the shortest distance between two points on Earth, also known as the great circle distance. The great circle distance is the shortest path along the Earth's surface, that is, the arc length along the Earth's surface from one point to another.

[0056] The basic principle of the Haward formula is based on spherical trigonometry, which takes into account the curvature of the Earth. First, the input latitude and longitude are converted to radians. Geographic coordinates are usually in degrees (°), but in mathematical calculations they need to be converted to radians (rad). This is because in spherical trigonometry, all angles are calculated in radians.

[0057] The Haward formula is in the following form:

[0058]

[0059]

[0060]

[0061] Where lat1 is the latitude value of address 1, lat2 is the latitude value of address 2, lon1 is the longitude value of address 1, and lon2 is the longitude value of address 2. α is an intermediate variable, used to calculate the sine of the angle in the spherical triangle. c is the radian value of the angle in the spherical triangle. Finally, the average radius of the Earth is used. (Approximately 6371 kilometers) Multiply by the radian value to get the actual distance between the two addresses.

[0062] The standardized address is mapped to a standard information database to obtain the corresponding urban / rural classification code. For example, the administrative division code for the standard level 5 administrative division address "Guogou Village Committee, Yangqiao Town, Linquan County, Fuyang City, Anhui Province" is "341221101204", and the corresponding urban / rural classification code is "220", indicating that the customer's urban / rural attribute is rural.

[0063] Based on the obtained urban-rural classification code, the urban-rural attribute identification result of the customer's registered address is generated. Unidentified addresses can also be statistically analyzed to generate an anomaly report, which facilitates subsequent processing and optimization of this method.

[0064] like Figure 2 As shown in the above embodiments, those skilled in the art can easily understand that the present invention also provides a device for identifying the urban and rural attributes of bank customers based on their addresses, including a standard library construction module 1, an address standardization module 2, an address matching module 3, and a result output module 4.

[0065] The standard library construction module 1 is used to construct a standard information library, which stores standard information on five levels of administrative divisions, urban and rural codes corresponding to administrative divisions, and latitude and longitude information of neighborhood committees or village committees. The so-called five levels of administrative regions refer to: Level 1: Province, such as Anhui Province (34); Level 2: City, such as Fuyang City (12); Level 3: District / County, such as Linquan County (21); Level 4: In cities, it generally refers to street offices, while in rural areas, it refers to townships or towns, such as Yangqiao Town (101); Level 5: In cities, it generally refers to communities, usually various neighborhood committees, while in rural areas, it refers to villages, usually village committees, such as Guogou Village Committee (204). The standard fifth-level administrative region address is: Guogou Village Committee, Yangqiao Town, Linquan County, Fuyang City, Anhui Province (statistical administrative division code: 341221101204). Its corresponding urban-rural classification code is 220. According to the classification codes (111 represents the main urban area, 112 represents the urban-rural fringe area, 121 represents the town center area, 122 represents the town-township fringe area, 123 represents special areas; 210 represents the township center area, 220 represents the village), Guogou Village Committee, Yangqiao Town, Linquan County, Fuyang City, Anhui Province is a village and belongs to the rural area. Based on the more than 600,000 neighborhood committees and village committees nationwide in the administrative division code database, the latitude and longitude information of all neighborhood committees and village committees can be obtained and saved as a national standard database of neighborhood committee and village committee latitude and longitude. This standard information database can be regularly updated with the latest information released by the National Bureau of Statistics to ensure the timeliness and accuracy of the data.

[0066] Address standardization module 2 is used to receive the address registered by the customer and match and supplement the address registered by the customer with the standard five-level administrative division address database to obtain the standardized address.

[0067] Specifically, the method for matching and supplementing the customer's registered address with the standard five-level administrative division address database is as follows:

[0068] Remove irrelevant characters from the customer's registered address and convert all text in the address to a standard format. For example, if the customer's registered address is "Anhui Linquan County - Guogou Village", convert it to "Anhui Linquan County Guogou Village".

[0069] Replace common keywords in the converted address with standardized keywords. For example, change "Guogou Village, Linquan County, Anhui Province" to "Guogou Village Committee, Linquan County, Anhui Province".

[0070] The replaced address is divided into several parts according to a preset method. For example, "Guogou Village Committee, Linquan County, Anhui Province" is divided into "Anhui Province", "Linquan County", and "Guogou Village Committee".

[0071] The divided parts are sequentially matched with the five-level administrative division standard information stored in the standard information database, and any missing information is added to the address. For example, by matching "Anhui Province," "Linquan County," and "Guogou Village Committee" in the five-level administrative division code database, we can find the jurisdiction of Linquan County, Anhui Province. Among all the villages and towns, there is only one Guogou Village Committee. This yields the standardized address. For instance, based on the matching result of "Anhui Province," "Linquan County," and "Guogou Village Committee," the standard five-level administrative division address "Guogou Village Committee, Yangqiao Town, Linquan County, Fuyang City, Anhui Province" can be output.

[0072] The system verifies whether the standardized address is a standard Level 5 administrative division address. If it is, the standardized address is directly output. Otherwise, the open-source geocoding library Geocoder is used to obtain the latitude and longitude information of the customer's registered address. This latitude and longitude matching is then used to obtain the standard Level 5 administrative division address as the standardized address output. Specifically, administrative division matching refers to matching the administrative division of the customer's registered address with the Level 5 administrative division standard information stored in the standard information database. Latitude and longitude matching refers to matching the latitude and longitude information of the customer's registered address obtained by calling the open-source geocoding library Geocoder with the latitude and longitude information of the neighborhood committee or village committee stored in the standard information database.

[0073] Specifically, a finite state machine (FSM) can be used to verify whether a standardized address is a standard five-level administrative division address. A finite state machine (FSM) is a mathematical model in computational theory. Its workflow is as follows: given an input string, the FSM starts from an initial state and transitions character by character from one state to another based on the input letters and the current transition function. If the input string is processed and the FSM is in an accepting state, the input string is considered accepted; otherwise, it is considered rejected. For example, in the standard five-level administrative division address "Guogou Village Committee, Yangqiao Town, Linquan County, Fuyang City, Anhui Province," the initial state is "province." If the next phrase is related to a city name, it enters the next state, "city." When the finite state machine can transition from the "province" state to the "community" state, the address verification is considered successful; otherwise, the verification fails.

[0074] Geocoder is a Python library that provides a simple interface to access the APIs of multiple geocoding services, including Google Maps, OpenStreetMap, and Bing Maps. Using Geocoder, you can input a normalized address and obtain its latitude and longitude information.

[0075] The above method of obtaining standard five-level administrative division addresses through administrative division matching and latitude / longitude matching is as follows:

[0076] The system matches the lowest administrative division to obtain the minimum administrative division and then retrieves all village committees or neighborhood committees within that minimum administrative division that share the same name as the address registered by the client. For example, if the lowest administrative division obtained by matching the administrative division is a county, then all village committees or neighborhood committees with the same name within that county will be retrieved as potential village committees or neighborhood committees.

[0077] The latitude and longitude of the customer's registered address are compared with the latitude and longitude of all the aforementioned neighborhood committees or village committees with the same name, and village committees or neighborhood committees with obvious mismatches are filtered out. Specifically, all village committees and neighborhood committees with a latitude and longitude difference of more than 1 degree of longitude (approximately 70-110km within China) or 1 degree of latitude (110km) are filtered out.

[0078] The latitude and longitude information of the selected village committees or neighborhood committees, along with the latitude and longitude information of the customer's registered address, are used to calculate the spherical distance using the Haversine formula. This yields the village committee or neighborhood committee closest to the customer's registered address, which is then output as the standardized address. Specifically, the Haversine formula is used to calculate the shortest distance between two points on Earth, also known as the great circle distance. The great circle distance is the shortest path along the Earth's surface, that is, the arc length along the Earth's surface from one point to another.

[0079] The basic principle of the Haward formula is based on spherical trigonometry, which takes into account the curvature of the Earth. First, the input latitude and longitude are converted to radians. Geographic coordinates are usually in degrees (°), but in mathematical calculations they need to be converted to radians (rad). This is because in spherical trigonometry, all angles are calculated in radians.

[0080] The Haward formula is in the following form:

[0081]

[0082]

[0083]

[0084] Where lat1 is the latitude value of address 1, lat2 is the latitude value of address 2, lon1 is the longitude value of address 1, and lon2 is the longitude value of address 2. α is an intermediate variable, used to calculate the sine of the angle in the spherical triangle. c is the radian value of the angle in the spherical triangle. Finally, the average radius of the Earth is used. (Approximately 6371 kilometers) Multiply by the radian value to get the actual distance between the two addresses.

[0085] Address matching module 3 is used to map the standardized address to a standard information database to obtain the corresponding urban-rural classification code. For example, the standard level 5 administrative division address "Guogou Village Committee, Yangqiao Town, Linquan County, Fuyang City, Anhui Province" has an administrative division code of "341221101204" and a corresponding urban-rural classification code of "220", indicating that the customer's urban-rural attribute is rural.

[0086] The result output module 4 is used to generate urban-rural attribute identification results for the customer's registered address based on the obtained urban-rural classification code. The result output module 4 can also generate an abnormal result report for unidentifiable addresses, which facilitates subsequent processing and optimization of this method.

[0087] The above description is merely a preferred embodiment of the present invention. It should be noted that for those skilled in the art, other parts not specifically described are existing technology or common knowledge. Several improvements and modifications can be made without departing from the principle of the present invention, and these improvements and modifications should also be considered within the scope of protection of the present invention.

Claims

1. A method for identifying the urban / rural attributes of bank customers based on their addresses, characterized in that, include: A standard information database is constructed, which is used to store standard information on five levels of administrative divisions, urban and rural codes corresponding to administrative divisions, and latitude and longitude information of neighborhood committees or village committees. The system receives the registered address from the customer and matches and supplements it with the standard five-level administrative division address database to obtain a standardized address. It then verifies whether the standardized address is a standard five-level administrative division address. If the standardized address is a standard five-level administrative division address, it outputs the standardized address directly. Otherwise, it calls the open-source geocoding library Geocoder to obtain the latitude and longitude information of the registered address from the customer, and obtains the standard five-level administrative division address as the standardized address output through administrative division matching and latitude and longitude matching. The standardized addresses are mapped to a standard information database to obtain the corresponding urban-rural classification codes; The urban / rural attribute identification result of the customer's registered address is generated based on the obtained urban / rural classification code; The specific method for matching and supplementing the customer's registered address with the standard five-level administrative division address database is as follows: Remove irrelevant characters from the customer's registered address and convert all text in the customer's registered address to a standard format; Replace common keywords in the converted address with standardized keywords; The replaced address is divided into several parts according to a preset method; Each segment is matched sequentially with the five-level administrative division standard information stored in the standard information database, and any missing information is added to the address.

2. The method for identifying the urban / rural attributes of bank customers based on their addresses according to claim 1, characterized in that, The method of obtaining standard five-level administrative division addresses through administrative division matching and latitude / longitude matching is as follows: The minimum administrative division is obtained by matching the administrative divisions, and all village committees or neighborhood committees with the same name as the address registered by the customer within the minimum administrative division are obtained. The latitude and longitude of the customer's registered address are compared with the latitude and longitude of all neighborhood committees or village committees with the same name, and village committees or neighborhood committees that do not match are filtered out. The latitude and longitude information of the selected village committees or neighborhood committees and the latitude and longitude information of the customer's registered address are used to calculate the spherical distance using the Haward formula. The village committee or neighborhood committee closest to the customer's registered address is then obtained and output as the standardized address.

3. The method for identifying the urban / rural attributes of bank customers based on address according to claim 1, characterized in that, The standardized address is verified using a finite state machine to determine whether it is a standard fifth-level administrative division address.

4. The method for identifying the urban / rural attributes of bank customers based on their addresses according to claim 1, characterized in that, Also includes: Generate anomaly reports by counting unidentified addresses.

5. A device for identifying the urban / rural attributes of bank customers based on their addresses, characterized in that: include: The standard library construction module is used to build a standard information library, which is used to store standard information on five levels of administrative divisions, urban and rural codes corresponding to administrative divisions, and latitude and longitude information of neighborhood committees or village committees; The address standardization module receives the address registered by the customer, matches and supplements it with the standard five-level administrative division address database to obtain a standardized address, and verifies whether the standardized address is a standard five-level administrative division address. If the standardized address is a standard five-level administrative division address, the standardized address is output directly; otherwise, the open-source geocoding library Geocoder is called to obtain the latitude and longitude information of the address registered by the customer, and the standard five-level administrative division address is obtained through administrative division matching and latitude and longitude matching as the standardized address output. The address matching module is used to map the standardized address to a standard information database in order to obtain the corresponding urban-rural classification code; The results output module generates urban / rural attribute identification results for the customer's registered address based on the obtained urban / rural classification code. The specific method for matching and supplementing the customer's registered address with the standard five-level administrative division address database is as follows: Remove irrelevant characters from the customer's registered address and convert all text in the customer's registered address to a standard format; Replace common keywords in the converted address with standardized keywords; The replaced address is divided into several parts according to a preset method; Each segment is matched sequentially with the five-level administrative division standard information stored in the standard information database, and any missing information is added to the address.

6. The device for identifying the urban / rural attributes of bank customers based on their addresses according to claim 5, characterized in that, The method of obtaining standard five-level administrative division addresses through administrative division matching and latitude / longitude matching is as follows: The minimum administrative division is obtained by matching the administrative divisions, and all village committees or neighborhood committees with the same name as the address registered by the customer within the minimum administrative division are obtained. The latitude and longitude of the customer's registered address are compared with the latitude and longitude of all neighborhood committees or village committees with the same name, and village committees or neighborhood committees that do not match are filtered out. The latitude and longitude information of the selected village committees or neighborhood committees and the latitude and longitude information of the customer's registered address are used to calculate the spherical distance using the Haward formula. The village committee or neighborhood committee closest to the customer's registered address is then obtained and output as the standardized address.

7. The device for identifying the urban / rural attributes of bank customers based on their addresses according to claim 5, characterized in that, The address standardization module verifies whether the standardized address is a standard five-level administrative division address using a finite state machine.

8. The device for identifying the urban / rural attributes of bank customers based on their addresses according to claim 5, characterized in that, The result output module is also used to generate anomaly result reports by statistically analyzing unidentified addresses.

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