A Video Dual-Recording Method and Device for Financial Services Based on Mobile Devices

Abstract

An embodiment of the present invention provides a method and device for video double-recording based on a mobile device in financial services, which relates to the technical field of financial service risk control technology. The method includes: obtaining business product transaction information and a first video; performing a quality inspection double-recording operation according to the business product transaction information; in the case where the result of the second business quality inspection operation is determined to be a business quality inspection failure, repeating the quality inspection double-recording operation, otherwise performing an image stream update process on the business product transaction information according to the second video. Through the present invention, the problem that the prior art cannot effectively complete the video double-recording operation through a mobile device is solved, and thus the effect of effectively completing the video double-recording operation through a mobile device is achieved.

Description

Technical Field

[0001] Embodiments of the present invention relate to the technical field of financial business risk control technology. Specifically, the present invention relates to a method and device for video double recording of financial business based on mobile devices. Background Art

[0002] Currently, remote video double recording technology is mainly applied to fixed terminals such as bank counters and self-service devices, realizing visual recording of the business handling process. However, this fixed terminal method has the following defects:

[0003] 1. Lack of flexibility: Fixed terminals cannot meet the diverse and flexible needs of banking business handling, especially in outdoor or temporary locations, where it is difficult to conduct effective video double recording.

[0004] 2. Poor user experience: The use of fixed terminals is restricted by the location, and users need to handle business at specific locations, which is not conducive to improving the user experience.

[0005] 3. Insufficient mobile support: Existing technologies have not developed a remote video double recording system based on mobile IPAD terminals, unable to support the needs of mobile double recording, restricting the convenience of banking business handling.

[0006] In response to the above problems, there is currently no good solution. Summary of the Invention

[0007] Embodiments of the present invention provide a method and device for video double recording of financial business based on mobile devices, so as to at least solve the problem in related technologies that remote video double recording operations cannot be performed based on mobile devices.

[0008] According to an embodiment of the present invention, there is provided a method for video double recording of financial business based on mobile devices, including:

[0009] Obtaining business product transaction information and a first video, where the first video is obtained by performing a first video recording operation on a user through a mobile device according to the user's business requirement information, and the business product transaction information is determined based on the business requirement information;

[0010] Performing quality inspection double recording operations according to the business product transaction information, where the quality inspection double recording operations include: performing a first business quality inspection operation on the business product transaction information; in the case where the result of the first business quality inspection operation is determined to be a business quality inspection failure, performing a second video recording operation through the mobile device based on the business requirement information and the first video to obtain a second video; performing a second business quality inspection operation according to the second video and the business product transaction information;

[0011] In the case where the result of the second business quality inspection operation is determined to be a failure in the business quality inspection, the above quality inspection and dual-recording operation is repeatedly executed; otherwise, the video image and transaction information of the business product is updated based on the second video.

[0012] In one exemplary embodiment, the obtaining of the business product transaction information and the first video includes:

[0013] Obtain the business requirement information, where the business requirement information includes information about the business that the user inputs and needs to purchase;

[0014] Perform a first video recording operation on the user according to the business requirement information to obtain the first video;

[0015] Determine the business product transaction information and the initial video image and transaction information based on the first video and the business requirement information, where the business product transaction information includes information indicating that the product transaction is completed, and the video image and transaction information update process includes updating the initial video image and transaction information.

[0016] In one exemplary embodiment, the performing of the first video recording operation on the user according to the business requirement information to obtain the first video includes:

[0017] Obtain the user identity information and the staff qualification information, and perform an online verification process on the user identity information;

[0018] In the case where the result of the online verification process meets the preset identity conditions, obtain the user's approval information for the staff qualification information;

[0019] In the case where the approval information meets the preset approval requirements, perform a text broadcast recording operation and a user feedback recording operation according to the preset broadcast text. The user feedback recording operation includes obtaining the audio and video information of the user's feedback according to the broadcast text. The first video recording operation includes the text broadcast recording operation and the user feedback recording operation;

[0020] After the text broadcast recording operation and the user feedback recording operation are completed, use the result of the text broadcast recording operation and the result of the user feedback recording operation as the first video.

[0021] In one exemplary embodiment, in the case where the result of the online verification process meets the preset identity conditions, the method further includes:

[0022] Obtain first user information based on the business requirement information and a preset first algorithm;

[0023] Perform a first user matching process on the first user information and the user identity information, where the first user matching process includes: performing a first parsing process on the first user information and a second parsing process on the user identity information; performing a first encoding matrix processing on the result of the first parsing process to obtain a first information matrix, and performing a second encoding matrix processing on the result of the second parsing process to obtain a second information matrix; calculating the correlation between the first information matrix and the second information matrix through a preset first model;

[0024] In the case where the correlation calculation result meets the preset correlation condition, determine that the user identity information matches the business requirement information; otherwise, determine that the user identity information does not match the business requirement information and perform an exception alarm process.

[0025] According to another embodiment of the present invention, there is provided a video double-recording device for financial services based on a mobile device, including:

[0026] A first information acquisition module, configured to acquire business product transaction information and a first video, where the first video is obtained by performing a first video recording operation on a user through a mobile device according to the business requirement information of the user, and the business product transaction information is determined based on the business requirement information;

[0027] A double-recording operation module, configured to perform a quality inspection double-recording operation according to the business product transaction information, where the quality inspection double-recording operation includes: performing a first business quality inspection operation on the business product transaction information; in the case where the result of the first business quality inspection operation is determined to be a business quality inspection failure, based on the business requirement information and the first video, performing a second video recording operation through the mobile device to obtain a second video; performing a second business quality inspection operation according to the second video and the business product transaction information;

[0028] A result output module, configured to, in the case where the result of the second business quality inspection operation is determined to be a business quality inspection failure, repeat the quality inspection double-recording operation; otherwise, perform an image stream update process on the business product transaction information according to the second video.

[0029] In an exemplary embodiment, the first information acquisition module includes:

[0030] A business requirement information acquisition unit, configured to acquire the business requirement information, where the business requirement information includes information about the business that the user needs to purchase input by the user;

[0031] A first recording unit, configured to perform a first video recording operation on the user according to the business requirement information to obtain a first video;

[0032] An information determination unit, configured to determine business product transaction information and initial image transaction information according to the first video and the service requirement information, where the business product transaction information includes product transaction completion information, and the image transaction update processing includes updating the initial image transaction information.

[0033] In an exemplary embodiment, the first recording unit includes:

[0034] An identity qualification acquisition subunit, configured to acquire user identity information and staff qualification information, and perform an online verification process on the user identity information;

[0035] A qualification recognition subunit, configured to acquire user recognition information of the staff qualification information when the result of the online verification process meets a preset identity condition;

[0036] A recording subunit, configured to perform a text broadcast recording operation and a user feedback recording operation according to a preset broadcast text when the recognition information meets a preset recognition requirement, where the user feedback recording operation includes acquiring audio and video information of the user's feedback according to the broadcast text, and the first video recording operation includes the text broadcast recording operation and the user feedback recording operation;

[0037] A first video subunit, configured to use the text broadcast recording operation result and the user feedback recording operation result as the first video after the text broadcast recording operation and the user feedback recording operation are completed.

[0038] In an exemplary embodiment, the apparatus further includes:

[0039] A user information collection module, configured to acquire first user information based on the service requirement information and a preset first algorithm when the result of the online verification process meets a preset identity condition;

[0040] A matching module, configured to perform a first user matching process on the first user information and the user identity information, where the first user matching process includes: performing a first parsing process on the first user information and a second parsing process on the user identity information; performing a first coding matrix process on the first parsing process result to obtain a first information matrix, and performing a second coding matrix process on the second parsing process result to obtain a second information matrix; calculating the correlation between the first information matrix and the second information matrix through a preset first model;

[0041] A matching result output module is configured to determine that the user identity information matches the service requirement information when the relevance calculation result meets a preset relevance condition; otherwise, it determines that the user identity information does not match the service requirement information and performs an exception alarm process.

[0042] According to another embodiment of the present invention, there is also provided a computer-readable storage medium storing a computer program, wherein the computer program is configured to execute the steps in any one of the above method embodiments when running.

[0043] According to another embodiment of the present invention, there is also provided an electronic device including a memory and a processor, where the memory stores a computer program, and the processor is configured to run the computer program to execute the steps in any one of the above method embodiments.

[0044] Through the present invention, since the user's business product transactions are recorded by a mobile device and the videos of the business product transactions are quality inspected to ensure that the dual-recording results meet the business requirements, remote video dual-recording operations can be realized through the mobile device. Therefore, the problem in the prior art that remote video dual-recording operations cannot be performed using a mobile device can be solved, and the effect of realizing remote video dual-recording operations through the mobile device can be achieved. BRIEF DESCRIPTION OF THE DRAWINGS

[0045] Figure 1 is a hardware structure block diagram of a mobile terminal of a method for video dual-recording based on a mobile device for financial services according to an embodiment of the present invention

[0046] Figure 2 is a flowchart of a method for video dual-recording based on a mobile device for financial services according to an embodiment of the present invention;

[0047] Figure 3 is a structure block diagram of a device for video dual-recording based on a mobile device for financial services according to an embodiment of the present invention;

[0048] Figure 4 is a schematic system structure diagram according to a specific embodiment of the present invention;

[0049] Figure 5 is a business flow chart of a dual-recording service according to a specific embodiment of the present invention;

[0050] Figure 6 is a schematic business process diagram of a financial advisor terminal according to an embodiment of the present invention. DETAILED DESCRIPTION OF THE EMBODIMENTS

[0051] Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings and in conjunction with the embodiments.

[0052] It should be noted that the terms "first", "second", etc. in the description, claims and above-mentioned drawings of the present invention are used to distinguish similar objects, and do not necessarily describe a specific order or sequence.

[0053] The method embodiments provided in the embodiments of the present application can be executed on a mobile terminal, a computer terminal or a similar computing device. Taking running on a mobile terminal as an example, Figure 1 is a hardware structure block diagram of a mobile terminal of a video double-recording method for financial services based on a mobile device according to an embodiment of the present invention. As Figure 1 shown, the mobile terminal may include one or more ( Figure 1 only one is shown in Figure 1 the figure) processors 102 (the processors 102 may include, but are not limited to, processing devices such as a microprocessor MCU or a programmable logic device FPGA) and a memory 104 for storing data. Among them, the above-mentioned mobile terminal may further include a transmission device 106 for communication functions and an input / output device 108. Those of ordinary skill in the art can understand that Figure 1 the structure shown in Figure 1 the figure is only schematic and does not limit the structure of the above-mentioned mobile terminal. For example, the mobile terminal may further include more or fewer components than

[0054] shown in

[0055] Figure 1 shown, or have a different configuration from

[0054] shown in

[0055] The memory 104 can be used to store computer programs. For example, software programs and modules of application software, such as the computer program corresponding to a video double-recording method for financial services based on a mobile device in an embodiment of the present invention. The processor 102 executes various functional applications and data processing by running the computer program stored in the memory 104, that is, implements the above-mentioned method. The memory 104 may include a high-speed random access memory, and may also include a non-volatile memory, such as one or more magnetic storage devices, flash memories, or other non-volatile solid-state memories. In some instances, the memory 104 may further include a memory remotely disposed relative to the processor 102, and these remote memories may be connected to the mobile terminal through a network. Examples of the above-mentioned network include, but are not limited to, the Internet, an enterprise intranet, a local area network, a mobile communication network, and combinations thereof.

[0055] The transmission device 106 is used to receive or send data via a network. Specific examples of the above-mentioned network may include a wireless network provided by a communication provider of a mobile terminal. In one example, the transmission device 106 includes a network adapter (Network Interface Controller, abbreviated as NIC), which can be connected to other network devices through a base station so as to communicate with the Internet. In one example, the transmission device 106 can be a Radio Frequency (RF) module, which is used to communicate with the Internet wirelessly.

[0056] In this embodiment, a method for video double-recording of financial services based on mobile devices is provided. Figure 2 It is a flowchart of a method for video double-recording of financial services based on mobile devices according to an embodiment of the present invention, as Figure 2 shown, the process includes the following steps:

[0057] Step S201, obtaining business product transaction information and a first video, wherein the first video is obtained by performing a first video recording operation on the user through a mobile device according to the user's business demand information, and the business product transaction information is determined based on the business demand information;

[0058] In this embodiment, the user fills in relevant business requirements, such as information about the financial products to be purchased, the name, term, amount, etc. of the relevant financial products, and then records relevant videos through a mobile device with a video recording function to facilitate subsequent review and quality inspection of the product transaction process.

[0059] Among them, the mobile device can be a tablet computer (such as an iPad) with a video recording function, a mobile phone with a video recording function, or other mobile devices such as a sports camera, a pan-tilt camera, a drone, etc.; the business product transaction information includes (but is not limited to) transaction success records, identity information of both parties to the product transaction, transaction time, transaction location, etc. information; the user includes a customer who needs to purchase a financial product. When the customer is unable to operate, the user can also include a staff member of a financial institution. However, when reviewing the video of the user at this time, special attention should be paid to whether the relevant behaviors of the staff member comply with the relevant regulations of the financial institution.

[0060] Step S202: Perform quality inspection and dual recording operations based on the business product transaction information. Among them, the quality inspection and dual recording operations include: performing a first business quality inspection operation on the business product transaction information; in the case where the result of the first business quality inspection operation is determined to be a business quality inspection failure, based on the business requirement information and the first video, perform a second video recording operation through the mobile device to obtain a second video; perform a second business quality inspection operation based on the second video and the business product transaction information.

[0061] In this embodiment, after the customer completes the purchase operation of the financial product, it is also necessary to perform quality inspection on the video of the customer purchasing the financial product to determine whether the relevant operations meet the requirements. For example, whether the customer has confirmed the risk situation of the relevant product and whether they clearly understand the relevant handling process, etc.; and in the case where it is confirmed that the relevant video does not meet the requirements, the customer and relevant staff need to be notified to re-record the relevant video through the mobile device until the relevant video meets the quality inspection requirements, thereby realizing the business requirement of completing the video dual recording operation through the mobile device.

[0062] Among them, the first business quality inspection operation can be to perform quality inspection on the first video manually, or to perform quality inspection on the first video through an artificial intelligence model, or to perform quality inspection on the first video through a combination of manual and artificial intelligence models, or to use other methods for quality inspection. Among them, the quality inspection standards can be set separately according to different regulations of financial institutions for different financial products or financial services.

[0063] Step S203: In the case where the result of the second business quality inspection operation is determined to be a business quality inspection failure, repeat the quality inspection and dual recording operations; otherwise, perform image stream update processing on the business product transaction information based on the second video.

[0064] In this embodiment, when the first video is taken, corresponding initial image stream information will be generated, and the initial image stream information includes (but is not limited to) information such as video shooting time, shooting location, and business requirement information. After the first video is taken, the first video and the initial image stream information are uploaded to the system together to wait for quality inspection and review, where the first video and the initial image stream information are in one-to-one correspondence; and after the second video is re-shot, the initial image stream information is updated according to the image stream information of the second video to ensure that the updated image stream information is in one-to-one correspondence with the second video.

[0065] It should be noted that the second video can be a video obtained by the second recording or a video obtained by repeated recordings, and there is no limit on the number of video recordings. In the case where the second video is still inspected as unqualified, on the one hand, the system continues to initiate the re-recording of the video, and on the other hand, it is necessary to pay attention to the customers and relevant staff involved in the video recording. If it is an obvious equipment problem, a system maintenance work order needs to be sent to the system maintenance personnel to repair the mobile device or other equipment used for video recording, so as to ensure the success rate of video recording.

[0066] In an optional embodiment, the obtaining of the business product transaction information and the first video includes:

[0067] Step S2011, obtain the business requirement information, where the business requirement information includes the information of the business that the user inputs to purchase;

[0068] Step S2012, perform a first video recording operation on the user according to the business requirement information to obtain the first video;

[0069] Step S2013, determine the business product transaction information and the initial image flow information according to the first video and the business requirement information, where the business product transaction information includes the product transaction completion information, and the image flow update process includes updating the initial image flow information.

[0070] In this embodiment, the customer or the staff inputs the purchase requirements of relevant financial products through the virtual keyboard or external keyboard, and the voice recognition function of the mobile device. Subsequently, the mobile device initiates a video recording request to the customer and the staff according to the system requirements corresponding to the business requirement information. After the customer and the staff agree, the first video is recorded (i.e., the aforementioned first video recording operation). Subsequently, after the customer completes the purchase operation of the relevant financial products, the first video, the relevant image flow information, the product transaction completion information indicating the successful transaction, etc. are uploaded to the system for quality inspection.

[0071] Among them, when determining the business product transaction information, it is necessary to first determine whether the first video has been recorded, whether the business requirement information has been correctly input and filled in as required, and determine whether the financial products corresponding to the business requirement information and the product transaction completion information are corresponding, so as to reduce the workload of subsequent quality inspection work. It is easy to understand that this judgment process can be automatically checked through a preset preliminary inspection algorithm (such as comparing the business requirement information with the keywords of financial products), thereby reducing manual consumption. The product transaction completion information includes (but is not limited to) the identifier indicating whether the product transaction is completed, the product transaction completion time, the product transaction completion location, the relevant information of both parties to the product transaction, etc.

[0072] In an optional embodiment, the first video recording operation on the user according to the service requirement information to obtain a first video includes:

[0073] Step S20121, obtain user identity information and staff qualification information, and perform an online verification process on the user identity information;

[0074] Step S20122, when the result of the online verification process meets the preset identity conditions, obtain the user's recognition information for the staff qualification information;

[0075] Step S20123, when the recognition information meets the preset recognition requirements, perform a text broadcast recording operation and a user feedback recording operation according to the preset broadcast text. The user feedback recording operation includes obtaining audio-visual information of the user's feedback according to the broadcast text. The first video recording operation includes the text broadcast recording operation and the user feedback recording operation;

[0076] Step S20124, after the text broadcast recording operation and the user feedback recording operation are completed, use the text broadcast recording operation result and the user feedback recording operation result as the first video.

[0077] In this embodiment, before video recording, first confirm the customer's identity, such as the customer's age, gender, address, mental state and physical condition, etc., to ensure the legal effect of the customer's purchase of financial products; then show the staff's qualification certificate to avoid impersonation by staff; after the customer recognizes the staff's qualification, the mobile device broadcasts text content such as relevant financial product purchase rules and purchase notices to inform the customer about the relevant matters of the purchased financial product again, and asks and broadcasts about the customer's purchase intention, etc., and at the same time records the customer's feedback to ensure that the customer's feedback corresponds to the text broadcast content.

[0078] Among them, the relevant text can be pre-stored in the mobile device according to different financial products, or can be pre-stored in the background system, and when it is necessary to broadcast, it is called from the background system by the port of the mobile device to reduce the storage pressure of the mobile device.

[0079] In an optional embodiment, when the result of the online verification process meets the preset identity conditions, the method further includes:

[0080] Step S201211, based on the service requirement information and a preset first algorithm, obtain first user information;

[0081] Step S201212, perform a first user matching process on the first user information and the user identity information, where the first user matching process includes: performing a first parsing process on the first user information and a second parsing process on the user identity information; performing a first encoding matrix processing on the result of the first parsing process to obtain a first information matrix, and performing a second encoding matrix processing on the result of the second parsing process to obtain a second information matrix; calculating the correlation between the first information matrix and the second information matrix through a preset first model;

[0082] Step S201213, when the correlation calculation result meets the preset correlation condition, determine that the user identity information matches the service requirement information, otherwise determine that the user identity information does not match the service requirement information, and perform an exception alarm process.

[0083] In this embodiment, to reduce financial risks and ensure the rationality of customer identities, the historical customer groups of relevant financial products can be analyzed through big data first to determine the group characteristics of the customer group, such as age, product purchase quantity, product purchase method, product purchase location, and the corresponding characteristic distribution. Subsequently, these data are encoded according to specific rules and a relevant matrix is constructed. For example, the purchase method is encoded in hexadecimal as A1 - A#, and the purchase location is encoded as B1 - B#. Then, these encodings are transcoded to decimal, the decimal transcoding result is normalized, then the normalized result is transcoded to binary, and finally, the binary transcoding result is used to construct a corresponding matrix H according to the matrix construction rules. Similarly, for the user information of the customer who proposes a product purchase demand, a relevant matrix P can also be constructed according to the same rules. Then, the correlation between matrix H and matrix P is calculated according to a preset correlation coefficient, and it is determined whether matrix H and matrix P are relevant or similar by judging whether the correlation coefficient is within the preset range, thereby determining the risk of this customer for purchasing this financial product.

[0084] Of course, before calculating matrix H and matrix P, the customer's identity information needs to be matched first. For example, when the customer's age is 45 years old, first determine the relevant characteristics of the historical customer group between 42 - 46 years old, and then construct matrix H and matrix P respectively. Of course, it is also possible to perform matching first according to other characteristics, which is not limited here.

[0085] Specifically, after normalizing the decimal conversion result, in order to more intuitively view the correlation between the feature distribution of customers who need to purchase financial products and the feature distribution of historical customers, the normalized result can also be used as the grayscale value of pixel points to construct the actual feature pixel point distribution map and the historical feature pixel point distribution map respectively. By subsequently performing matching calculations on the distribution of these feature pixel points on the map (such as the area size of the pixel point set, the coordinate position of the pixel points on the map, and the distance between pixel points, etc.), when the matching error is less than the preset value, it is determined that the two are similar, so the risk is relatively small; otherwise, it is determined that the customer is a customer with a relatively high risk, and a special plan needs to be initiated.

[0086] Through the description of the above embodiments, those skilled in the art can clearly understand that the method according to the above embodiments can be implemented by means of software plus a necessary general hardware platform. Of course, it can also be implemented by hardware, but in many cases the former is a better implementation method. Based on such an understanding, the technical solution of the present invention, in essence, or the part that makes a contribution to the prior art, can be embodied in the form of a software product. This computer software product is stored in a storage medium (such as ROM / RAM, magnetic disk, optical disk), and includes several instructions for causing a terminal device (which can be a mobile phone, a computer, a server, or a network device, etc.) to execute the methods described in various embodiments of the present invention.

[0087] In this embodiment, a video double-recording device for financial services based on a mobile device is also provided. This device is used to implement the above embodiments and preferred implementation manners, and those that have been described will not be repeated. As used below, the term "module" can be a combination of software and / or hardware that can achieve a predetermined function. Although the devices described in the following embodiments are preferably implemented in software, implementation in hardware, or a combination of software and hardware is also possible and contemplated.

[0088] Figure 3 is a structural block diagram of a video double-recording device for financial services based on a mobile device according to an embodiment of the present invention, as Figure 3 shown, the device includes:

[0089] A first information acquisition module 31, configured to acquire business product transaction information and a first video, where the first video is obtained by performing a first video recording operation on a user through a mobile device according to the user's business requirement information, and the business product transaction information is determined based on the business requirement information;

[0090] The dual-recording operation module 32 is used to perform quality inspection dual-recording operations according to the business product transaction information. Among them, the quality inspection dual-recording operations include: performing a first business quality inspection operation on the business product transaction information; in the case where the result of the first business quality inspection operation is determined to be a business quality inspection failure, based on the business requirement information and the first video, performing a second video recording operation through the mobile device to obtain a second video; performing a second business quality inspection operation according to the second video and the business product transaction information;

[0091] The result output module 33 is used to, in the case where the result of the second business quality inspection operation is determined to be a business quality inspection failure, repeatedly execute the quality inspection dual-recording operation, otherwise perform image stream update processing on the business product transaction information according to the second video.

[0092] In an optional embodiment, the first information acquisition module includes:

[0093] The business requirement information acquisition unit is used to acquire the business requirement information, where the business requirement information includes information on the business that the user needs to purchase entered by the user;

[0094] The first recording unit is used to perform a first video recording operation on the user according to the business requirement information to obtain a first video;

[0095] The information determination unit is used to determine the business product transaction information and the initial image stream information according to the first video and the business requirement information, where the business product transaction information includes product transaction completion information, and the image stream update processing includes updating the initial image stream information.

[0096] In an optional embodiment, the first recording unit includes:

[0097] The identity qualification acquisition sub-unit is used to acquire the user identity information and the staff qualification information, and perform an online verification process on the user identity information;

[0098] The qualification recognition sub-unit is used to, in the case where the result of the online verification process meets the preset identity conditions, acquire the user's recognition information on the staff qualification information;

[0099] The recording sub-unit is used to, in the case where the recognition information meets the preset recognition requirements, perform a text broadcast recording operation and a user feedback recording operation according to the preset broadcast text. The user feedback recording operation includes acquiring the audio and video information of the user's feedback according to the broadcast text, and the first video recording operation includes the text broadcast recording operation and the user feedback recording operation;

[0100] The first video subunit is configured to, after the text broadcast recording operation and the user feedback recording operation are completed, use the text broadcast recording operation result and the user feedback recording operation result as the first video.

[0101] In an optional embodiment, the device further includes:

[0102] A user information acquisition module, configured to, when the online verification processing result meets the preset identity conditions, obtain first user information based on the service requirement information and a preset first algorithm;

[0103] A matching module, configured to perform a first user matching process on the first user information and the user identity information, where the first user matching process includes: performing a first parsing process on the first user information and a second parsing process on the user identity information; performing a first coding matrix process on the first parsing process result to obtain a first information matrix, and performing a second coding matrix process on the second parsing process result to obtain a second information matrix; calculating the correlation between the first information matrix and the second information matrix through a preset first model;

[0104] A matching result output module, configured to, when the correlation calculation result meets the preset correlation conditions, determine that the user identity information matches the service requirement information; otherwise, determine that the user identity information does not match the service requirement information, and perform an exception alarm process.

[0105] It should be noted that the above-mentioned modules can be implemented by software or hardware. For the latter, it can be implemented in the following ways, but not limited thereto: all the above modules are located in the same processor; or, the above-mentioned modules are respectively located in different processors in any combination form.

[0106] The following is illustrated by specific examples.

[0107] The present invention provides a remote video double-recording bank system based on a mobile IPAD, mainly including the following components:

[0108] 1. System architecture

[0109] Such as Figure 4As shown in the figure, this system mainly includes the in-bank terminal and the out-bank terminal. Among them, the out-bank terminal consists of the mobile banking, as well as the corresponding link load balancer, SSL terminal, and related communication APPs (such as Yixuntong). The in-bank terminal includes the in-bank client operated by account managers, etc., the DMZ system (including access servers, etc.) for communicating with the out-bank terminal, the e-channel application system (including venue servers, recording servers, etc.) for communicating with the in-bank client and the DMZ, and the business system (including video DB, etc.) for handling business.

[0110] 2. Functional Modules

[0111]

[0112]

[0113]

[0114]

[0115]

[0116] 3. Workflow

[0117] For mobile phone-based services, such as Figure 5 As shown in the figure, it mainly involves the customer filling in the insurance application information, initiating the dual recording, and then jumping to the remote video bank for dual recording video. If the remote video bank's business processing result is passed, the mobile banking pushes the insurance application information to the wealth management system to complete the product purchase. If the remote video bank's business processing result is not passed, the customer fills in the insurance application information again to initiate the dual recording, and then the remote video bank conducts post-event quality inspection. If the quality inspection fails, the wealth management system retrieves the insurance transaction data corresponding to the video, and the mobile banking obtains the non-passed insurance data to generate a recording to-do, and can initiate the recording again until the recording is successful, and then the wealth management system updates the image serial number of this business.

[0118] For the services of wealth managers, such as Figure 6 As shown in the figure, it first involves answering the customer's recording request, then jointly verifying and taking pictures of the customer's identity, then the account manager shows their qualifications, broadcasts the dual recording script after the customer confirms, records the customer's reply, then signs and reads the purchase agreement for the relevant product, and generates a business summary to end the business process.

[0119] The innovation of the present invention lies in the development of a remote video dual-recording banking system based on a mobile IPAD, which realizes the mobility, convenience and efficiency of banking business handling. Through the application of the mobile IPAD, financial managers can conduct business operations and video dual-recording anytime and anywhere, greatly improving the flexibility of business and user experience. At the same time, the present invention adopts advanced video encryption technology to ensure the security and integrity of dual-recording data, providing a strong guarantee for the safe handling of banking business, realizing rapid response and efficient processing of business, and improving the efficiency of banking business handling.

[0120] An embodiment of the present invention also provides a computer-readable storage medium, in which a computer program is stored. Wherein, the computer program is configured to execute the steps in any one of the above method embodiments when running.

[0121] In an exemplary embodiment, the above computer-readable storage medium may include, but is not limited to: USB flash drive, read-only memory (ROM for short), random access memory (RAM for short), mobile hard disk, magnetic disk or optical disk and other various media that can store computer programs.

[0122] An embodiment of the present invention also provides an electronic device, including a memory and a processor. A computer program is stored in the memory, and the processor is configured to run the computer program to execute the steps in any one of the above method embodiments.

[0123] In an exemplary embodiment, the above electronic device may further include a transmission device and an input / output device. Wherein, the transmission device is connected to the above processor, and the input / output device is connected to the above processor.

[0124] Specific examples in this embodiment may refer to the examples described in the above embodiments and exemplary embodiments, and will not be repeated here.

[0125] Obviously, those skilled in the art should understand that the above modules or steps of the present invention can be implemented by a general-purpose computing device. They can be concentrated on a single computing device, or distributed on a network composed of multiple computing devices. They can be implemented by program codes executable by the computing device. Thus, they can be stored in a storage device and executed by the computing device. And in some cases, the steps shown or described can be executed in a different order than here, or they can be separately made into individual integrated circuit modules, or multiple modules or steps of them can be made into a single integrated circuit module to implement. In this way, the present invention is not limited to any specific combination of hardware and software.

[0126] The above are only the preferred embodiments of the present invention and are not intended to limit the present invention. For those skilled in the art, the present invention may have various modifications and variations. Any modifications, equivalent replacements, improvements, etc. made within the principle of the present invention shall be included within the protection scope of the present invention.

Claims

1. A video double-recording method for financial services based on mobile devices, characterized in that, Including: Obtaining business product transaction information and a first video, including: obtaining the business demand information of a user, where the business demand information includes the information of the business that the user inputs to purchase; performing a first video recording operation on the user through a mobile device according to the business demand information to obtain a first video; the business product transaction information is determined based on the business demand information; Performing a quality inspection and double-recording operation according to the business product transaction information, where the quality inspection and double-recording operation includes: performing a first business quality inspection operation on the business product transaction information; in the case where the result of the first business quality inspection operation is determined to be a business quality inspection failure, performing a second video recording operation through the mobile device based on the business demand information and the first video to obtain a second video; performing a second business quality inspection operation according to the second video and the business product transaction information; in the case where the result of the second business quality inspection operation is determined to be a business quality inspection failure, repeating the quality inspection and double-recording operation, otherwise performing an image stream update process on the business product transaction information according to the second video; The performing a first video recording operation on the user according to the business demand information to obtain a first video includes: obtaining the user identity information and the staff qualification information, and performing an online verification process on the user identity information; in the case where the result of the online verification process meets the preset identity conditions, obtaining the user's recognition information of the staff qualification information; In the case where the result of the online verification process meets the preset identity conditions, the method further includes: obtaining first user information based on the business demand information and a preset first algorithm; performing a first user matching process on the first user information and the user identity information; The first user matching process includes: performing a first parsing process on the first user information and a second parsing process on the user identity information; performing a first coding matrix transformation process on the result of the first parsing process to obtain a first information matrix; performing a second coding matrix transformation process on the result of the second parsing process to obtain a second information matrix; performing a correlation calculation on the first information matrix and the second information matrix through a preset first model; in the case where the result of the correlation calculation meets the preset correlation conditions, determining that the user identity information matches the business demand information, otherwise determining that the user identity information does not match the business demand information and performing an exception alarm process; The coding matrix transformation process in the first coding matrix transformation process and the second coding matrix transformation process includes: encoding the result of the parsing process in hexadecimal; performing a decimal encoding conversion on the hexadecimal encoding result; performing a normalization process on the decimal encoding conversion result; performing a binary transcoding on the normalization process result; constructing a corresponding information matrix according to the matrix construction rules for the binary transcoding result; The first user matching process further includes: constructing an actual feature pixel point distribution map and a historical feature pixel point distribution map respectively with the normalization result as the pixel point gray value, and then performing a matching calculation on the distribution of these feature pixel points on the map. When the matching error is less than a preset value, the user is determined to be a low-risk customer; otherwise, the user is determined to be a high-risk customer.

2. The method according to claim 1, characterized in that It further includes: Determining business product transaction information and initial image transaction information according to the first video and the business requirement information, where the business product transaction information includes product transaction completion information, and the image transaction update process includes updating the initial image transaction information.

3. The method according to claim 2, characterized in that, The first video recording operation on the user according to the business requirement information to obtain the first video further includes: In the case where the approval information meets the preset approval requirements, performing a text broadcast recording operation and a user feedback recording operation according to the preset broadcast text. The user feedback recording operation includes obtaining audio and video information of the user's feedback according to the broadcast text. The first video recording operation includes the text broadcast recording operation and the user feedback recording operation; After the text broadcast recording operation and the user feedback recording operation are completed, taking the text broadcast recording operation result and the user feedback recording operation result as the first video.

4. A video double-recording device for financial services based on a mobile device, characterized in that, It includes: A first information acquisition module for acquiring business product transaction information and a first video, where the first video is obtained by performing a first video recording operation on the user through a mobile device according to the user's business requirement information, and the business product transaction information is determined based on the business requirement information; A dual-recording operation module for performing a quality inspection dual-recording operation according to the business product transaction information, where the quality inspection dual-recording operation includes: performing a first business quality inspection operation on the business product transaction information; in the case where the result of the first business quality inspection operation is determined to be a business quality inspection failure, performing a second video recording operation through the mobile device based on the business requirement information and the first video to obtain a second video; performing a second business quality inspection operation according to the second video and the business product transaction information; A result output module for, in the case where the result of the second business quality inspection operation is determined to be a business quality inspection failure, repeatedly executing the quality inspection dual-recording operation, otherwise performing an image transaction update process on the business product transaction information according to the second video; Among them, the first information acquisition module includes: a business requirement information acquisition unit for acquiring the business requirement information, where the business requirement information includes information about the business that the user needs to purchase input by the user; a first recording unit for performing a first video recording operation on the user according to the business requirement information to obtain a first video; The first recording unit includes: an identity qualification acquisition subunit, configured to acquire user identity information and staff qualification information, and perform online verification processing on the user identity information; a qualification recognition subunit, configured to acquire the user's recognition information of the staff qualification information when the online verification processing result meets the preset identity conditions. The device further includes: a user information acquisition module, configured to acquire first user information based on the service requirement information and a preset first algorithm when the online verification processing result meets the preset identity conditions; a matching module, configured to perform a first user matching process on the first user information and the user identity information, where the first user matching process includes: performing a first parsing process on the first user information and a second parsing process on the user identity information; performing a first encoding matrix process on the result of the first parsing process to obtain a first information matrix, and performing a second encoding matrix process on the result of the second parsing process to obtain a second information matrix; calculating the correlation between the first information matrix and the second information matrix through a preset first model, where the encoding matrix process includes: encoding the parsing process result in hexadecimal, then performing decimal encoding conversion on the hexadecimal encoding result, then performing normalization processing on the decimal encoding conversion result, then performing binary transcoding on the normalization processing result, and then constructing a corresponding information matrix according to the matrix construction rule for the binary transcoding result; a matching result output module, configured to determine that the user identity information matches the service requirement information when the correlation calculation result meets the preset correlation conditions, otherwise determine that the user identity information does not match the service requirement information and perform an exception alarm process.

5. The device according to claim 4, wherein The first information acquisition module further includes: An information determination unit, configured to determine service product transaction information and initial image flow information according to the first video and the service requirement information, where the service product transaction information includes product transaction completion information, and the image flow update process includes updating the initial image flow information.

6. The device according to claim 5, characterized in that The first recording unit further includes: A recording subunit, configured to perform a text broadcast recording operation and a user feedback recording operation according to a preset broadcast text when the recognition information meets the preset recognition requirements, where the user feedback recording operation includes acquiring audio-visual information of the user's feedback according to the broadcast text, and the first video recording operation includes the text broadcast recording operation and the user feedback recording operation; A first video subunit, configured to use the text broadcast recording operation result and the user feedback recording operation result as the first video after the text broadcast recording operation and the user feedback recording operation are completed.

7. A computer-readable storage medium, characterized in that, The computer-readable storage medium stores a computer program, where the computer program is configured to execute the method described in any one of claims 1 to 3 when running.

8. An electronic device, comprising a memory and a processor, characterized in that, A computer program is stored in the memory, and the processor is configured to run the computer program to execute the method described in any one of claims 1 to 3.

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