A quality inspection method, device, computer equipment and medium for remote banking

Abstract

The invention relates to the field of computer technology, and discloses a quality inspection method, device, computer equipment and medium for remote banking. The method comprises: in response to an operation instruction of a current user on a local bank self-service terminal device, automatically configuring a quality inspection component for a remote banking center; using an identity quality inspection component to compare a portrait image with an identity card image to perform identity quality inspection; if the identity quality inspection result is passed, using an audio and video quality inspection component to determine whether a complete portrait of the current user always appears in video stream data; if the audio and video quality inspection result is passed, using a protocol document quality inspection component to compare a protocol uploaded by the current user with a preset protocol template to determine whether the protocol uploaded by the current user is complete; if the protocol document quality inspection result is passed, using a business compliance quality inspection component to determine whether personal information is compliant. The invention realizes automatic quality inspection and improves quality inspection efficiency by automatically configuring a quality inspection component for a remote banking center.

Description

Technical Field

[0001] The present invention relates to the field of computer technology, and in particular to a quality inspection method, device, computer equipment and medium for remote banking. Background Art

[0002] As the scale of banking business continues to expand, the number of customers and service volume of local banks are gradually increasing. Remote banks need to conduct quality inspection and review of the business data and video compliance of local banks, and the amount of review by remote banks is also increasing accordingly.

[0003] In the existing technology, remote banks use traditional manual quality inspection and audit. During the quality inspection, the local bank needs to first report to the remote bank, and after the remote bank authorizes the quality inspection system, the quality inspector conducts manual quality inspection. However, this method has the disadvantages of heavy workload for quality inspectors, time-consuming and labor-intensive, low efficiency and high cost, and is not suitable for situations with large business volume. Summary of the invention

[0004] In view of this, the present invention provides a quality inspection method, apparatus, computer equipment and medium for remote banking to solve the problems of time-consuming, labor-intensive and low-efficiency in the conventional manual quality inspection in the prior art.

[0005] In a first aspect, the present invention provides a quality inspection method for remote banking, which is applied to a bank quality inspection system, wherein the bank quality inspection system includes a local bank self-service terminal device and a remote bank center, and the method includes:

[0006] In response to the operation instruction of the current user on the local bank self-service terminal device, the remote bank center is automatically configured with quality inspection components according to the operation instruction, and the quality inspection components include identity quality inspection components, audio and video quality inspection components, protocol document quality inspection components and business compliance quality inspection components;

[0007] Collect the portrait image and ID card image of the current user, and use the identity quality inspection component to compare the portrait image and ID card image to perform identity quality inspection on the current user;

[0008] If the identity quality inspection result is passed, the video stream data of the local bank self-service terminal device is collected, and the audio and video quality inspection component is used to determine whether the complete portrait of the current user always appears in the video stream data;

[0009] If the audio and video quality inspection result is passed, the protocol uploaded by the current user is collected, and the protocol document quality inspection component is used to compare the protocol uploaded by the current user with the preset protocol template to determine whether the protocol uploaded by the current user is complete;

[0010] If the quality inspection result of the agreement document is passed, the personal information of the current user is obtained, and the business compliance quality inspection component is used to determine whether the personal information is compliant.

[0011] The present invention automatically configures a quality inspection component for a remote bank center according to an operation instruction of a user on a local bank self-service terminal device, so as to realize intelligent automatic quality inspection by utilizing the configured identity quality inspection component, audio and video quality inspection component, protocol document quality inspection component and business compliance quality inspection component, and utilizes the identity quality inspection component to perform user identity quality inspection to verify the identity of the user, utilizes the audio and video quality inspection component to perform quality inspection on video stream data to determine whether a portrait appearing in the video stream data meets the requirements, utilizes the protocol document quality inspection component to perform quality inspection on a protocol uploaded by the user to determine whether the protocol uploaded by the user meets the requirements, and utilizes the business compliance quality inspection component to perform quality inspection on the compliance of personal information to determine whether the personal information is compliant, thereby realizing automatic quality inspection by utilizing the configured quality inspection components, replacing traditional manual quality inspection, reducing the workload of quality inspectors and improving quality inspection efficiency.

[0012] In an optional implementation, the identity quality inspection component includes an optical character recognition quality inspection component, and the identity quality inspection component is used to compare the portrait image with the ID card image, including:

[0013] The optical character recognition quality inspection component uses optical character recognition technology to determine whether the portrait image meets the preset image requirements, which include clarity requirements and completeness requirements;

[0014] If the portrait image meets the preset image requirements, the ID card portrait image is extracted from the portrait area of ​​the ID card image, and the portrait image is compared with the ID card portrait image.

[0015] The present invention utilizes the optical character recognition technology of an optical character recognition quality inspection component to perform clarity and integrity quality inspection on a portrait image. When the portrait image meets preset image requirements, the portrait image is compared with the portrait image on the ID card to authenticate the user, thereby ensuring that the user handling the business is himself, thereby improving the security of the business handling process.

[0016] In an optional implementation, determining whether a complete portrait of the current user always appears in the video stream data includes:

[0017] Determine whether multiple people appear in the video stream data;

[0018] If there are no multiple portraits in the video stream data, determining whether the portrait that appears in the video stream data is always the current user;

[0019] If the person appearing in the screen of the video stream data is always the current user, then determining whether the person appearing in the screen of the video stream data is not wearing a hat;

[0020] If the person in the video stream data is bareheaded, determining whether the person in the video stream data is away from the table;

[0021] If there are no multiple portraits in the video stream data, and the portrait that appears is always the current user, and the portrait that appears is bareheaded, and the portrait that appears has not left the table, then the audio and video quality inspection result is determined to be passed.

[0022] The present invention performs quality inspection on the portraits appearing in the screen of video stream data, and determines whether the screen of the video stream data contains multiple portraits, whether it is always the current user, whether it is not without a hat, and whether it has left the seat, so as to perform quality inspection on the video stream data and ensure that only the portrait of the person himself and not without a hat always appears during the business processing process.

[0023] In an optional implementation, after using the audio and video quality inspection component to determine whether a complete portrait of the current user always appears in the video stream data, the method further includes:

[0024] If multiple portraits appear in the video stream data, or the portraits appear without taking off their hats, or the portraits leave the table, the timeline is located and an abnormal mark is made in the video stream according to the timeline.

[0025] When an abnormality occurs in video stream data, the present invention locates the time axis and marks the abnormality in the video stream, so that the staff can confirm the abnormality in time and retrieve the video stream of the past time period to analyze the abnormality.

[0026] In an optional implementation, comparing the protocol uploaded by the current user with the preset protocol template to determine whether the protocol uploaded by the current user is complete includes:

[0027] Determine the required items based on the agreement uploaded by the current user and the preset agreement template;

[0028] Determine whether the required items in the agreement uploaded by the current user are complete;

[0029] Determine whether the agreement uploaded by the current user contains the current user's signature;

[0030] If the required items in the agreement uploaded by the current user are filled in completely and contain the current user's signature, the quality inspection result of the agreement document is determined to be passed.

[0031] The present invention performs quality inspection on the agreement uploaded by the current user, determines the required items through the preset agreement template and the agreement uploaded by the current user, and judges whether the required items of the agreement uploaded by the current user are complete and whether there is a user signature, so as to perform integrity quality inspection on the agreement uploaded by the user, thereby ensuring that the user fills out the agreement completely.

[0032] In an optional implementation, the personal information includes age, occupation, and education level, and judging whether the personal information is compliant includes:

[0033] Determine whether the occupation is consistent with age;

[0034] Determine whether the education level is consistent with the age;

[0035] If the occupation matches the age, and the educational background matches the age, the business compliance quality inspection result is determined to be passed.

[0036] The present invention performs compliance inspection on personal information to determine whether the user's occupation and age, education level and age are consistent, and to determine whether the personal information is filled in incorrectly, so that it is convenient for staff to remind users to correct erroneous information.

[0037] In a second aspect, the present invention provides a quality inspection device for a remote bank, which is applied to a bank quality inspection system. The bank quality inspection system includes a local bank self-service terminal device and a remote bank center. The device includes:

[0038] A configuration module, which is used to respond to the operation instructions of the current user on the local bank self-service terminal device and automatically configure the quality inspection components for the remote bank center according to the operation instructions. The quality inspection components include identity quality inspection components, audio and video quality inspection components, protocol document quality inspection components, and business compliance quality inspection components;

[0039] The identity quality inspection module is used to collect the portrait image and ID card image of the current user, and use the identity quality inspection component to compare the portrait image and the ID card image to perform identity quality inspection on the current user;

[0040] The first judgment module is used to collect video stream data of the local bank self-service terminal device if the identity quality inspection result is passed, and use the audio and video quality inspection component to determine whether the complete portrait of the current user always appears in the video stream data;

[0041] The second judgment module is used to collect the protocol uploaded by the current user if the audio and video quality inspection result is passed, and use the protocol document quality inspection component to compare the protocol uploaded by the current user with the preset protocol template to determine whether the protocol uploaded by the current user is complete;

[0042] The third judgment module is used to obtain the personal information of the current user if the quality inspection result of the agreement document is passed, and use the business compliance quality inspection component to determine whether the personal information is compliant.

[0043] In a third aspect, the present invention provides a computer device comprising: a memory and a processor, the memory and the processor being communicatively connected to each other, the memory storing computer instructions, and the processor executing the quality inspection method for remote banking according to the first aspect or any corresponding embodiment thereof by executing the computer instructions.

[0044] In a fourth aspect, the present invention provides a computer-readable storage medium having computer instructions stored thereon, the computer instructions being used to enable a computer to execute the quality inspection method for remote banking of the first aspect or any corresponding embodiment thereof.

[0045] In a fifth aspect, the present invention provides a computer program product, comprising computer instructions for causing a computer to execute the quality inspection method for remote banking according to the first aspect or any corresponding embodiment thereof. BRIEF DESCRIPTION OF THE DRAWINGS

[0046] In order to more clearly illustrate the specific implementation methods of the present invention or the technical solutions in the prior art, the drawings required for use in the specific implementation methods or the description of the prior art will be briefly introduced below. Obviously, the drawings described below are some implementation methods of the present invention. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying creative work.

[0047] Figure 1 is a flow chart of a quality inspection method for remote banking according to an embodiment of the present invention;

[0048] Figure 2 is a schematic diagram of the structure of a bank quality inspection system according to an embodiment of the present invention;

[0049] Figure 3 is a flow chart of another quality inspection method for remote banking according to an embodiment of the present invention;

[0050] Figure 4 is a flow chart of another quality inspection method for remote banking according to an embodiment of the present invention;

[0051] Figure 5 is an application schematic diagram of a quality inspection method for a remote bank according to an embodiment of the present invention;

[0052] Figure 6 is a structural block diagram of a quality inspection device for a remote bank according to an embodiment of the present invention;

[0053] Figure 7 It is a schematic diagram of the hardware structure of a computer device according to an embodiment of the present invention. DETAILED DESCRIPTION

[0054] In order to make the purpose, technical solution and advantages of the embodiments of the present invention clearer, the technical solution in the embodiments of the present invention will be clearly and completely described below in conjunction with the drawings in the embodiments of the present invention. Obviously, the described embodiments are part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by those skilled in the art without creative work are within the scope of protection of the present invention.

[0055] At present, with the continuous expansion of the scale of banking business, the audit business volume of remote banking centers has gradually increased. Faced with the massive calls from local banks, whether the staff ratio is 1 quality inspector: 20 bank staff or 1 quality inspector: 30 bank staff, the quality inspection coverage rate can no longer be guaranteed. Therefore, with the sharp increase in the compliance audit workload of banking business information data and videos, and the requirement that the authority of quality inspectors shall not be lower than that of the third-level authorized supervisor, the audit work is heavy, accurate audit is difficult, and omissions are prone to occur. There is an urgent need to add intelligent quality inspection tools.

[0056] According to an embodiment of the present invention, an embodiment of a quality inspection method for remote banking is provided. It should be noted that the steps shown in the flowchart of the accompanying drawings can be executed in a computer system such as a set of computer executable instructions, and although a logical order is shown in the flowchart, in some cases, the steps shown or described can be executed in an order different from that shown here.

[0057] In this embodiment, a quality inspection method for remote banking is provided, which is applied to a bank quality inspection system. The bank quality inspection system includes a local bank self-service terminal device and a remote bank center. Figure 1 is a flow chart of a quality inspection method for a remote bank according to an embodiment of the present invention. Figure 1 As shown, the process includes the following steps:

[0058] Step S101, in response to the operation instruction of the current user on the local bank self-service terminal device, automatically configure the quality inspection component for the remote bank center according to the operation instruction.

[0059] In an embodiment of the present invention, the quality inspection component includes an identity quality inspection component, an audio and video quality inspection component, a protocol document quality inspection component, and a business compliance quality inspection component.

[0060] Users can open cards, change passwords, check balances, etc. on local bank self-service terminals. When the current user is detected to be operating on the local bank self-service terminal, the remote bank center is automatically configured with quality inspection components in response to the current user's operating instructions. Figure 2 As shown, Figure 2The agents in the example are staff members of the remote banking center, and the users are customers who handle banking business on the local bank's self-service terminal devices. By configuring the AI ​​pluggable quality inspection component, automatic quality inspection of the remote banking center can be realized. Specifically, the quality inspection component can be configured according to business needs. For example, when the user only needs to change the password, only the user's identity needs to be authenticated, that is, only the identity quality inspection component needs to be configured. This is only an example and is not a limitation.

[0061] Step S102, collect the portrait picture and ID card picture of the current user, and use the identity quality inspection component to compare the portrait picture and the ID card picture to perform identity quality inspection on the current user.

[0062] In an embodiment of the present invention, a local bank self-service terminal device captures a portrait of the current user through a camera and reads the ID card through the ID card recognition area. Specifically, the ID card can be read by radio frequency identification to read the RFID (Radio Frequency Identification) chip built into the ID card through wireless radio frequency technology.

[0063] The identity quality inspection component compares the portrait image with the ID card image to verify the identity of the current user and ensure that the user handling the service is the same as the user corresponding to the ID card. If the portrait image and the ID card image are consistent, the identity quality inspection result is determined to be passed. On the contrary, if the portrait image and the ID card image are inconsistent, the identity quality inspection result is determined to be failed, the service processing is exited, and the current user is informed that the service processing has failed.

[0064] Specifically, the user's identity can be checked through biometric technology, such as fingerprint recognition, face recognition and other technologies. A camera can be used to capture pictures or video streams containing facial images, and faces can be automatically detected and tracked in the image. The user's identity can also be checked by comparing a copy of the ID card provided by the user with the ID card. This is only an example and is not intended to be limiting.

[0065] Step S103, if the identity quality inspection result is passed, the video stream data of the local bank self-service terminal device is collected, and the audio and video quality inspection component is used to determine whether the complete portrait of the current user always appears in the video stream data.

[0066] In the embodiment of the present invention, if the identity quality check result is passed, an audio and video quality check is performed. The user's business handling process is monitored by a camera throughout the process, and the video stream data of the local bank's self-service terminal device is collected. The video stream data is quality checked to ensure that it is always the current user and the portrait is complete. If the complete portrait of the current user always appears in the video stream data, the audio and video quality check result is determined to be passed. On the contrary, if the complete portrait of the current user does not always appear in the video stream data, the audio and video quality check result is determined to be failed, and the business handling is exited, and the current user is informed that the business handling has failed.

[0067] Step S104, if the audio and video quality inspection result is passed, the protocol uploaded by the current user is collected, and the protocol document quality inspection component is used to compare the protocol uploaded by the current user with the preset protocol template to determine whether the protocol uploaded by the current user is complete.

[0068] In an embodiment of the present invention, if the audio and video quality inspection result is passed, the protocol document quality inspection is performed. The protocol template that meets the business rules is obtained in advance, and the protocol uploaded by the current user is collected through recognition technologies such as optical character recognition. The protocol document quality inspection component performs a quality inspection on the protocol uploaded by the current user to determine whether the protocol uploaded by the current user is complete to ensure that the protocol uploaded by the user has been completed. If the protocol uploaded by the current user is complete, the protocol document quality inspection result is determined to be passed. On the contrary, if the protocol uploaded by the current user is incomplete, the protocol document quality inspection result is determined to be failed, then the business processing is exited, and the current user is informed that the business processing has failed.

[0069] Step S105: If the quality inspection result of the agreement document is passed, the personal information of the current user is obtained, and the business compliance quality inspection component is used to determine whether the personal information is compliant.

[0070] In the embodiment of the present invention, if the quality inspection result of the protocol document is passed, the business compliance quality inspection is performed. The personal information of the current user is obtained, whether the personal information is compliant, and the compliance quality inspection of the personal information is performed, for example, whether the user's age is consistent with the occupation information, whether the user's age is consistent with the educational information, etc. This is only an example and is not intended to be limiting.

[0071] The quality inspection method for remote banking provided in this embodiment automatically configures quality inspection components for the remote banking center according to the operation instructions of the user on the local bank self-service terminal device, so as to realize intelligent automatic quality inspection by utilizing the configured identity quality inspection components, audio and video quality inspection components, protocol document quality inspection components and business compliance quality inspection components, and utilizes the identity quality inspection components to perform user identity quality inspection to verify the identity of the user, utilizes the audio and video quality inspection components to perform quality inspection on the video stream data to determine whether the portrait appearing in the video stream data meets the requirements, utilizes the protocol document quality inspection components to perform quality inspection on the protocol uploaded by the user to determine whether the protocol uploaded by the user meets the requirements, and utilizes the business compliance quality inspection components to perform quality inspection on the compliance of personal information to determine whether the personal information is compliant, thereby realizing automatic quality inspection by utilizing the configured quality inspection components, replacing the traditional manual quality inspection, reducing the workload of quality inspectors and improving quality inspection efficiency.

[0072] In this embodiment, a quality inspection method for a remote bank is provided, which is applied to a bank quality inspection system. The identity quality inspection component includes an optical character recognition quality inspection component. Figure 3 is a flow chart of a quality inspection method for a remote bank according to an embodiment of the present invention. Figure 3 As shown, the process includes the following steps:

[0073] Step S301, in response to the operation instruction of the current user on the local bank self-service terminal device, automatically configure the quality inspection component for the remote bank center according to the operation instruction.

[0074] For details, please see Figure 1 Step S101 of the illustrated embodiment will not be described in detail here.

[0075] Step S302, collect the portrait picture and ID card picture of the current user, and use the identity quality inspection component to compare the portrait picture and the ID card picture to perform identity quality inspection on the current user.

[0076] Specifically, in the above step S302, using the identity quality inspection component to compare the portrait image with the ID card image includes:

[0077] Step S3021, the optical character recognition quality inspection component uses optical character recognition technology to determine whether the portrait image meets the preset image requirements.

[0078] Step S3022: If the portrait image meets the preset image requirements, the ID card portrait image is extracted from the portrait area of ​​the ID card image, and the portrait image is compared with the ID card portrait image.

[0079] In the embodiment of the present invention, the preset image requirements include clarity requirements and integrity requirements. The optical character recognition quality inspection component uses optical character recognition technology (OCR) to inspect the clarity and integrity of the portrait image to determine whether the portrait image is clear, whether there is any obstruction, etc., and can also detect the degree of reflection of the portrait image. If the portrait image does not meet the preset image requirements, it returns a failure and prompts the reason for the failure.

[0080] If the portrait image meets the preset image requirements, the ID card portrait image is extracted from the portrait area of ​​the ID card image using optical character recognition technology, and the portrait image is compared with the ID card portrait image.

[0081] If online verification is required during the identity verification process, the identity quality inspection component will send the ID card image to the public security network system for identity verification, and determine whether the identity verification is passed based on the results fed back by the public security network system.

[0082] The optical character recognition technology of the optical character recognition quality inspection component is used to inspect the clarity and integrity of the portrait image. When the portrait image meets the preset image requirements, the portrait image is compared with the ID card portrait image to authenticate the user, thereby ensuring that the user handling the business is the real person, thereby improving the security of the business handling process.

[0083] Step S303: If the identity quality inspection result is passed, the video stream data of the local bank self-service terminal device is collected, and the audio and video quality inspection component is used to determine whether the complete portrait of the current user always appears in the video stream data.

[0084] Specifically, in the above step S303, determining whether the complete portrait of the current user always appears in the video stream data includes:

[0085] Step S3031, determining whether multiple portraits appear in the video stream data.

[0086] Step S3032: If there are no multiple portraits in the video stream data, it is determined whether the portrait that appears in the video stream data is always the current user.

[0087] Step S3033: if the person appearing in the picture of the video stream data is always the current user, it is determined whether the person appearing in the picture of the video stream data is not wearing a hat.

[0088] Step S3034: if the person appearing in the video stream data is bareheaded, determine whether the person appearing in the video stream data has left the room.

[0089] Step S3035: If there are no multiple portraits in the video stream data, and the portrait that appears is always the current user, and the portrait that appears is bareheaded, and the portrait that appears has not left the table, then the audio and video quality inspection result is determined to be passed.

[0090] In the embodiment of the present invention, it is determined whether multiple portraits appear according to the video stream data. If multiple portraits appear in the video stream data, a prompt is given, and the service can be continued only when only one portrait appears in the screen. For example, if the current user is inputting a password and multiple portraits are detected, a warning is given and a prompt is given whether to continue the service.

[0091] If there are no multiple portraits in the video stream data, it is determined whether the portrait in the video stream data is always the current user, that is, during the service processing, other users are not allowed to replace the current user to process, and the portrait in the video stream data is verified. If the portrait in the video stream data is not the current user, but another user, a warning is issued, and a prompt is given whether to continue processing the service.

[0092] If the person appearing in the video stream data screen is always the current user, it is determined whether the person appearing in the video stream data screen is not wearing a hat, that is, during the service processing, the user is required to remove the hat, and if the person appearing in the video stream data screen is not wearing a hat, the service can be processed. If the person appearing in the video stream data screen is not wearing a hat, a warning is issued, and a prompt is given whether to continue processing the service.

[0093] If the person in the video stream data is bareheaded, it is determined whether the person in the video stream data has left the seat, that is, the user is not allowed to leave the seat during the business process, and the business can only be continued if the user does not leave the seat during the business process. If the person in the video stream data has not left the seat, a warning is issued, and a prompt is given as to whether to continue the business process.

[0094] If there are no multiple portraits in the video stream data, and the portrait that appears is always the current user, and the portrait that appears is bareheaded, and the portrait that appears has not left the table, then the audio and video quality inspection result is determined to be passed.

[0095] Specifically, quality inspection based on video stream data can also be performed automatically based on technologies such as NLP (Natural Language Processing), ASR (Automatic Speech Recognition), and TTS (Text To Speech). Combined with AI technology, the recordings in the video stream can be automatically translated into text data. Business speech rules can also be converted into specific quality inspection rules to automatically detect the service quality of agents.

[0096] Perform quality inspection on the portraits appearing in the video stream data to determine whether there are multiple portraits in the video stream data, whether it is always the current user, whether the person is still wearing a hat, or whether the person has left the room, so as to perform quality inspection on the video stream data and ensure that only the person himself / herself and the person who is still wearing a hat always appear during the business process.

[0097] Step S304: if multiple portraits appear in the video stream data, or the portraits appear without taking off their hats, or the portraits leave the table, the time axis is located, and abnormal marking is performed in the video stream according to the time axis.

[0098] In an embodiment of the present invention, if multiple portraits appear in the screen of the video stream data, or the portraits that appear are not without hats, or the portraits have left the table, the time when the multiple portraits appear, or the portraits that appear are not without hats, or the portraits have left the table are located to locate the time axis, and the abnormality is marked in the video stream according to the time axis, and the time when the abnormal situation occurs is marked in red.

[0099] Exceptions can be marked in the video stream through color boxes. For example, when multiple portraits appear in the picture, a red box is displayed and a prompt is given that the process is not allowed. When a portrait appears again, the box is changed to a green box. This is only an example and is not intended to be limiting.

[0100] Step S305, if the audio and video quality inspection result is passed, the protocol uploaded by the current user is collected, and the protocol document quality inspection component is used to compare the protocol uploaded by the current user with the preset protocol template to determine whether the protocol uploaded by the current user is complete.

[0101] For details, please see Figure 1 Step S104 of the illustrated embodiment will not be described in detail here.

[0102] Step S306: If the quality inspection result of the agreement document is passed, the personal information of the current user is obtained, and the business compliance quality inspection component is used to determine whether the personal information is compliant.

[0103] For details, please see Figure 1 Step S105 of the illustrated embodiment will not be described in detail here.

[0104] The quality inspection method for remote banking provided in this embodiment locates the timeline and marks the anomaly in the video stream when anomalies occur in the video stream data, so that the staff can confirm the anomaly in time and retrieve the video stream of the past time period for anomaly analysis.

[0105] In this embodiment, a quality inspection method for a remote bank is provided, which is applied to a bank quality inspection system. Figure 4 is a flow chart of a quality inspection method for a remote bank according to an embodiment of the present invention. Figure 4 As shown, the process also includes the following steps:

[0106] Step S401, in response to the operation instruction of the current user on the local bank self-service terminal device, automatically configure the quality inspection component for the remote bank center according to the operation instruction.

[0107] For details, please see Figure 1 Step S101 of the illustrated embodiment will not be described in detail here.

[0108] Step S402, collect the portrait picture and ID card picture of the current user, and use the identity quality inspection component to compare the portrait picture and the ID card picture to perform identity quality inspection on the current user.

[0109] For details, please see Figure 1 Step S102 of the illustrated embodiment will not be described in detail here.

[0110] Step S403, if the identity quality inspection result is passed, the video stream data of the local bank self-service terminal device is collected, and the audio and video quality inspection component is used to determine whether the complete portrait of the current user always appears in the video stream data.

[0111] For details, please see Figure 1 Step S103 of the illustrated embodiment will not be described in detail here.

[0112] Step S404: If the audio and video quality inspection result is passed, the protocol uploaded by the current user is collected, and the protocol document quality inspection component is used to compare the protocol uploaded by the current user with the preset protocol template to determine whether the protocol uploaded by the current user is complete.

[0113] Specifically, judging whether the agreement uploaded by the current user is complete in the above step S404 includes:

[0114] Step S4041, determining the required items according to the agreement uploaded by the current user and the preset agreement template.

[0115] Step S4042, determining whether the required items in the agreement uploaded by the current user are completed.

[0116] Step S4043, determining whether the agreement uploaded by the current user contains the current user's signature.

[0117] Step S4044: If the required items in the agreement uploaded by the current user are filled in completely and contain the current user's signature, the quality inspection result of the agreement document is determined to be passed.

[0118] In an embodiment of the present invention, the agreement uploaded by the current user is compared with a pre-set agreement template to determine the required items, which include information such as name, mobile phone number, ID number, address, etc. The required items also include a checkbox, i.e., check whether to agree. The required items of the agreement uploaded by the current user are quality checked to determine whether the required items are complete, i.e., whether the information is complete and whether the checkbox is checked. If the required items are incomplete, the user is prompted to re-upload the agreement. After the user re-uploads the agreement, the re-uploaded agreement is subjected to a second quality check.

[0119] If the mandatory items in the agreement uploaded by the current user are filled in completely, then it is determined whether the agreement uploaded by the current user contains the current user's signature, that is, whether the current user has signed the agreement. Only when the mandatory items in the agreement uploaded by the user are filled in completely and signed, can the business be processed. Specifically, the designated signature area is determined according to the preset agreement template, and it is necessary to determine whether the current user has signed in the designated signature area.

[0120] If the required items in the agreement uploaded by the current user are filled in completely and contain the current user's signature, the quality inspection result of the agreement document is determined to be passed.

[0121] By performing quality inspection on the agreement uploaded by the current user, the mandatory items are determined through the preset agreement template and the agreement uploaded by the current user, and it is judged whether the mandatory items of the agreement uploaded by the current user are complete and whether there is a user signature, so as to perform integrity quality inspection on the agreement uploaded by the user, thereby ensuring that the user fills out the agreement completely.

[0122] Step S405: If the quality inspection result of the agreement document is passed, the personal information of the current user is obtained, and the business compliance quality inspection component is used to determine whether the personal information is compliant.

[0123] Specifically, personal information includes age, occupation and education level. The determination of whether the personal information is compliant in step S405 includes:

[0124] Step S4051, determine whether the occupation is consistent with the age.

[0125] Step S4052, determine whether the educational background is consistent with the age.

[0126] Step S4053: If the occupation is consistent with the age, and the education level is consistent with the age, the business compliance quality inspection result is determined to be passed.

[0127] In the embodiment of the present invention, business compliance verification rules are set according to different businesses. For example, if the corresponding occupation of users aged between 7 and 25 is student, the age groups corresponding to primary school students, junior high school students, high school students, and college students are set respectively, with the age group of primary school students being 7-14 years old, the age group of junior high school students being 13-17 years old, the age group of high school students being 16-20 years old, and the age group of college students being 19-24 years old. If the current user is 12 years old and the educational background filled in is college student, a prompt is given that the age and educational background do not match, and the user is reminded whether to modify it.

[0128] Business compliance quality inspection can also include quality inspection of the legality of the user's contact address. For example, if the address filled in by the user is "District A", but the actual address is "District B", an address compliance reminder will be issued, and the user will be reminded whether to modify it.

[0129] The quality inspection method for remote banking provided in this embodiment performs a compliance quality inspection on personal information to determine whether the user's occupation and age, education level and age are consistent, and to determine whether the personal information is filled in incorrectly, thereby facilitating staff to remind users to correct erroneous information.

[0130] like Figure 5 As shown in the actual quality inspection scenario, according to Figure 5 According to the steps in the , first configure the quality inspection process, then perform identity inspection, audio and video inspection, protocol document inspection, and business compliance inspection on the user. You can also build quality inspection scenarios based on the user's business requirements, and add or delete quality inspection components or corresponding quality inspection processes as needed. It should be noted that quality inspection can be performed when the user operates on the local bank self-service terminal device, and it can also be performed after the user operates on the local bank self-service terminal device.

[0131] In this embodiment, a quality inspection device for remote banks is also provided, which is used to implement the above embodiments and preferred implementations, and the descriptions that have been made will not be repeated. As used below, the term "module" can implement a combination of software and / or hardware for a predetermined function. Although the devices described in the following embodiments are preferably implemented in software, the implementation of hardware, or a combination of software and hardware, is also possible and conceivable.

[0132] This embodiment provides a quality inspection device for a remote bank, such as Figure 6 As shown, including:

[0133] Configuration module 601 is used to respond to the operation instructions of the current user on the local bank self-service terminal device, and automatically configure the quality inspection components of the remote bank center according to the operation instructions. The quality inspection components include identity quality inspection components, audio and video quality inspection components, protocol document quality inspection components and business compliance quality inspection components.

[0134] The identity quality inspection module 602 is used to collect the portrait image and ID card image of the current user, and use the identity quality inspection component to compare the portrait image and the ID card image to perform identity quality inspection on the current user.

[0135] The first judgment module 603 is used to collect video stream data of the local bank self-service terminal device if the identity quality inspection result is passed, and use the audio and video quality inspection component to determine whether the complete portrait of the current user always appears in the video stream data.

[0136] The second judgment module 604 is used to collect the protocol uploaded by the current user if the audio and video quality inspection result is passed, and use the protocol document quality inspection component to compare the protocol uploaded by the current user with the preset protocol template to determine whether the protocol uploaded by the current user is complete.

[0137] The third judgment module 605 is used to obtain the personal information of the current user if the quality inspection result of the agreement document is passed, and use the business compliance quality inspection component to determine whether the personal information is compliant.

[0138] In some optional implementations, the identity quality inspection module 602 includes:

[0139] The first judgment unit is used for the optical character recognition quality inspection component to use optical character recognition technology to judge whether the portrait image meets the preset image requirements, and the preset image requirements include clarity requirements and completeness requirements.

[0140] The comparison unit is used to extract the ID card portrait picture from the portrait area of ​​the ID card picture if the portrait picture meets the preset picture requirements, and compare the portrait picture with the ID card portrait picture.

[0141] In some optional implementations, the first determination module 603 includes:

[0142] The second judgment unit is used to judge whether multiple portraits appear in the picture of the video stream data.

[0143] The third judgment unit is used to judge whether the portrait appearing in the picture of the video stream data is always the current user if no multiple portraits appear in the picture of the video stream data.

[0144] The fourth judgment unit is used to judge whether the person appearing in the picture of the video stream data is not wearing a hat if the person appearing in the picture of the video stream data is always the current user.

[0145] The fifth judgment unit is used to judge whether the person appearing in the picture of the video stream data has left the table if the person appearing in the picture of the video stream data is bareheaded.

[0146] The first determination unit is used to determine that the audio and video quality inspection result is passed if there are no multiple portraits in the video stream data, and the portrait that appears is always the current user, and the portrait that appears is bareheaded, and the portrait that appears has not left the table.

[0147] In some optional embodiments, the device further comprises:

[0148] The marking module is used to locate the time axis and mark the abnormality in the video stream according to the time axis if multiple portraits appear in the screen of the video stream data, or the portraits appear without taking off their hats, or the portraits leave the table.

[0149] In some optional implementations, the second determination module 604 includes:

[0150] The second determining unit is used to determine the required items according to the agreement uploaded by the current user and the preset agreement template.

[0151] The sixth judgment unit is used to judge whether the mandatory items in the agreement uploaded by the current user are filled in completely.

[0152] The seventh judgment unit is used to judge whether the agreement uploaded by the current user contains the signature of the current user.

[0153] The third determination unit is used to determine that the quality inspection result of the agreement document is passed if the required items in the agreement uploaded by the current user are completed and contain the signature of the current user.

[0154] In some optional implementations, the third determination module 605 includes:

[0155] The eighth judgment unit is used to judge whether the occupation is consistent with the age.

[0156] The ninth judgment unit is used to judge whether the educational background is consistent with the age.

[0157] The fourth determination unit is used to determine that the business compliance quality inspection result is passed if the occupation is consistent with the age and the educational background is consistent with the age.

[0158] The further functional description of each of the above modules and units is the same as that of the above corresponding embodiments and will not be repeated here.

[0159] The quality inspection device for remote banking in this embodiment is presented in the form of a functional unit, where the unit refers to an ASIC (Application Specific Integrated Circuit) circuit, a processor and memory that executes one or more software or fixed programs, and / or other devices that can provide the above functions.

[0160] The embodiment of the present invention also provides a computer device having the above Figure 6 The quality inspection device for remote banking is shown.

[0161] See also Figure 7 , Figure 7 is a schematic diagram of the structure of a computer device provided by an optional embodiment of the present invention, such as Figure 7 As shown, the computer device includes: one or more processors 10, a memory 20, and interfaces for connecting various components, including high-speed interfaces and low-speed interfaces. Various components are connected to each other using different buses for communication, and can be installed on a common mainboard or installed in other ways as needed. The processor can process the instructions executed in the computer device, including instructions stored in or on the memory to display the graphical information of the GUI on an external input / output device (such as, a display device coupled to the interface). In some optional embodiments, if necessary, multiple processors and / or multiple buses can be used together with multiple memories and multiple memories. Similarly, multiple computer devices can be connected, and each device provides some necessary operations (for example, as a server array, a group of blade servers, or a multi-processor system). Figure 7 A processor 10 is taken as an example.

[0162] The processor 10 may be a central processing unit, a network processor or a combination thereof. The processor 10 may further include a hardware chip. The hardware chip may be a dedicated integrated circuit, a programmable logic device or a combination thereof. The programmable logic device may be a complex programmable logic device, a field programmable gate array, a general purpose array logic or any combination thereof.

[0163] The memory 20 stores instructions executable by at least one processor 10, so that at least one processor 10 executes the method shown in the above embodiment.

[0164] The memory 20 may include a program storage area and a data storage area, wherein the program storage area may store an operating system, an application required for at least one function; the data storage area may store data created according to the use of the computer device, etc. In addition, the memory 20 may include a high-speed random access memory, and may also include a non-transient memory, such as at least one disk storage device, a flash memory device, or other non-transient solid-state storage device. In some optional embodiments, the memory 20 may optionally include a memory remotely arranged relative to the processor 10, and these remote memories may be connected to the computer device via a network. Examples of the above-mentioned network include, but are not limited to, the Internet, an intranet, a local area network, a mobile communication network, and combinations thereof.

[0165] The memory 20 may include a volatile memory, such as a random access memory; the memory may also include a non-volatile memory, such as a flash memory, a hard disk or a solid state drive; the memory 20 may also include a combination of the above types of memory.

[0166] The computer device also includes an input device 30 and an output device 40. The processor 10, the memory 20, the input device 30 and the output device 40 may be connected via a bus or other means. Figure 7 The example of connecting through bus is taken in the following.

[0167] The input device 30 can receive input digital or character information and generate key signal input related to user settings and function control of the computer device, such as a touch screen, etc. The output device 40 can include a display device, etc.

[0168] The embodiment of the present invention also provides a computer-readable storage medium. The method according to the embodiment of the present invention can be implemented in hardware, firmware, or can be implemented as a computer code that can be recorded in a storage medium, or can be implemented as a computer code that is originally stored in a remote storage medium or a non-temporary machine-readable storage medium and will be stored in a local storage medium through a network download, so that the method described herein can be stored in such software processing on a storage medium using a general-purpose computer, a dedicated processor, or programmable or dedicated hardware. Among them, the storage medium can be a magnetic disk, an optical disk, a read-only storage memory, a random access memory, a flash memory, a hard disk or a solid-state hard disk, etc.; further, the storage medium can also include a combination of the above types of memories. It can be understood that a computer, a processor, a microprocessor controller, or programmable hardware includes a storage component that can store or receive software or computer code. When the software or computer code is accessed and executed by a computer, a processor, or hardware, the method shown in the above embodiment is implemented.

[0169] A part of the present invention may be applied as a computer program product, such as a computer program instruction, which, when executed by a computer, can call or provide the method and / or technical solution according to the present invention through the operation of the computer. Those skilled in the art should understand that the existence of the computer program instruction in a computer-readable medium includes, but is not limited to, a source file, an executable file, an installation package file, etc., and accordingly, the way in which the computer program instruction is executed by the computer includes, but is not limited to: the computer directly executes the instruction, or the computer compiles the instruction and then executes the corresponding compiled program, or the computer reads and executes the instruction, or the computer reads and installs the instruction and then executes the corresponding installed program. Here, the computer-readable medium may be any available computer-readable storage medium or communication medium accessible to the computer.

[0170] Although the embodiments of the present invention have been described in conjunction with the accompanying drawings, those skilled in the art may make various modifications and variations without departing from the spirit and scope of the present invention, and such modifications and variations are all within the scope defined by the appended claims.

Claims

1. A quality inspection method for remote banking, characterized in that: Applied to a bank quality inspection system, the bank quality inspection system includes a local bank self-service terminal device and a remote bank center, and the method includes: In response to the operation instruction of the current user on the local bank self-service terminal device, automatically configure the remote bank center with a quality inspection component according to the operation instruction, wherein the quality inspection component includes an identity quality inspection component, an audio and video quality inspection component, a protocol document quality inspection component, and a business compliance quality inspection component; Collecting a portrait picture and an ID card picture of the current user, and using the identity quality inspection component to compare the portrait picture with the ID card picture to perform an identity quality inspection on the current user; If the identity quality inspection result is passed, the video stream data of the local bank self-service terminal device is collected, and the audio and video quality inspection component is used to determine whether the complete portrait of the current user always appears in the video stream data; If the audio and video quality inspection result is passed, the protocol uploaded by the current user is collected, and the protocol document quality inspection component is used to compare the protocol uploaded by the current user with the preset protocol template to determine whether the protocol uploaded by the current user is complete; If the quality inspection result of the agreement document is passed, the personal information of the current user is obtained, and the business compliance quality inspection component is used to determine whether the personal information is compliant; The step of judging whether a complete portrait of the current user always appears in the video stream data includes: Determining whether multiple human portraits appear in the picture of the video stream data; If multiple portraits do not appear in the screen of the video stream data, determining whether the portrait that appears in the screen of the video stream data is always the current user; If the person appearing in the picture of the video stream data is always the current user, determining whether the person appearing in the picture of the video stream data is not wearing a hat; If the person in the video stream data is bareheaded, determining whether the person in the video stream data is away from the table; If there are no multiple portraits in the video stream data, and the portrait that appears is always the current user, and the portrait that appears is bareheaded, and the portrait that appears has not left the table, then the audio and video quality inspection result is determined to be passed; After using the audio and video quality inspection component to determine whether a complete portrait of the current user always appears in the video stream data, the method further includes: If multiple portraits appear in the video stream data, or the portraits appear without taking off their hats, or the portraits leave the table, locate the time axis, and mark the video stream as abnormal according to the time axis; Quality inspection of video stream data also includes: automatically translating the recordings in the video stream into text data, converting business speech rules into specific quality inspection rules, and automatically testing the service quality of agents.

2. The method according to claim 1, characterized in that The identity quality inspection component includes an optical character recognition quality inspection component, and using the identity quality inspection component to compare the portrait image with the ID card image includes: The optical character recognition quality inspection component uses optical character recognition technology to determine whether the portrait image meets the preset image requirements, and the preset image requirements include clarity requirements and completeness requirements; If the portrait image meets the preset image requirements, the ID card portrait image is extracted from the portrait area of ​​the ID card image, and the portrait image is compared with the ID card portrait image.

3. The method according to claim 1, characterized in that The comparing the protocol uploaded by the current user with the preset protocol template to determine whether the protocol uploaded by the current user is complete includes: Determine required items according to the agreement uploaded by the current user and the preset agreement template; Determine whether the required items in the agreement uploaded by the current user are completed; Determine whether the agreement uploaded by the current user contains the current user's signature; If the required items in the agreement uploaded by the current user are completed and contain the current user's signature, the quality inspection result of the agreement document is determined to be passed.

4. The method according to claim 1, characterized in that The personal information includes age, occupation and education background. The determination of whether the personal information is compliant includes: Determine whether the occupation described is consistent with the age described; Determine whether the educational background described is consistent with the age described; If the occupation is consistent with the age, and the educational background is consistent with the age, the business compliance quality inspection result is determined to be passed.

5. A quality inspection device for remote banking, characterized in that: Applied to a bank quality inspection system, the bank quality inspection system includes a local bank self-service terminal device and a remote bank center, and the device includes: A configuration module, configured to respond to an operation instruction of the current user on the local bank self-service terminal device and automatically configure a quality inspection component for the remote bank center according to the operation instruction, wherein the quality inspection component includes an identity quality inspection component, an audio and video quality inspection component, a protocol document quality inspection component, and a business compliance quality inspection component; An identity quality inspection module is used to collect a portrait picture and an ID card picture of the current user, and use the identity quality inspection component to compare the portrait picture with the ID card picture to perform an identity quality inspection on the current user; The first judgment module is used for collecting the video stream data of the local bank self-service terminal device if the identity quality inspection result is passed, and using the audio and video quality inspection component to determine whether the complete portrait of the current user always appears in the video stream data; The second judgment module is used to collect the protocol uploaded by the current user if the audio and video quality inspection result is passed, and use the protocol document quality inspection component to compare the protocol uploaded by the current user with the preset protocol template to determine whether the protocol uploaded by the current user is complete; A third judgment module is used to obtain the personal information of the current user if the quality inspection result of the agreement document is passed, and use the business compliance quality inspection component to determine whether the personal information is compliant; Among them, the first judgment module is specifically used to: judge whether multiple portraits appear in the screen of the video stream data; if multiple portraits do not appear in the screen of the video stream data, judge whether the portrait appearing in the screen of the video stream data is always the current user; if the portrait appearing in the screen of the video stream data is always the current user, judge whether the portrait appearing in the screen of the video stream data is not without a hat; if the portrait appearing in the screen of the video stream data is without a hat, judge whether the portrait appearing in the screen of the video stream data has left; if multiple portraits do not appear in the screen of the video stream data, and the portrait that appears is always the current user, and the portrait that appears is without a hat, and the portrait that appears has not left the table, determine that the audio and video quality inspection result is passed; The device also includes: An abnormal marking module is used to locate the time axis and mark the abnormality in the video stream according to the time axis if multiple portraits appear in the screen of the video stream data, or the portraits appear without taking off their hats, or the portraits leave the table; The agent service quality detection module is used to perform quality inspection on video stream data and also includes: automatically translating the recordings in the video stream into text data, converting the business speech rules into specific quality inspection rules, and automatically detecting the agent service quality.

6. A computer device, characterized in that: include: A memory and a processor, wherein the memory and the processor are communicatively connected to each other, the memory stores computer instructions, and the processor executes the quality inspection method for remote banking according to any one of claims 1 to 4 by executing the computer instructions.

7. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores computer instructions, and the computer instructions are used to enable a computer to execute the quality inspection method for remote banking according to any one of claims 1 to 4.

8. A computer program product, characterized in that The invention comprises computer instructions, wherein the computer instructions are used to make a computer execute the quality inspection method for remote banking according to any one of claims 1 to 4.

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